Home > Equitable Co-operative Bank > Performance and Condition Ratios
Equitable Co-operative Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 5,121 |
| Cost of funding earning assets | 0.2451% | 4,707 |
| Net interest margin | 3.1369% | 4,734 |
| Noninterest income to average assets | 0.7062% | 2,120 |
| Noninterest expense to average assets | 2.9599% | 2,486 |
| Loan and lease loss provision to assets | 0.3024% | 590 |
| Net operating income to assets | 0.1869% | 5,549 |
| Return on assets (ROA) | 0.1751% | 5,625 |
| Pretax return on assets | 0.2049% | 5,613 |
| Return on Equity (ROE) | 1.4005% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.4005% | 4,818 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2286% | 1,752 |
| Assets per employee ($millions) | 6.6604% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3208% | 5,930 |
| Loan loss allowance to noncurrent loans | 83.7398% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,507 |
| Noncurrent loans to loans | 0.3831% | 3,989 |
| Net loans and leases to total assets | 64.0672% | 3,350 |
| Net loans and leases to deposits | 74.6376% | 3,514 |
| Net loans and leases to core deposits | 83.8952% | 3,094 |
| Total domestic deposits to total assets | 85.8377% | 2,496 |
| Equity capital to assets | 12.7770% | 1,620 |
| Core capital (leverage) ratio | 11.7795% | 1,793 |
| Tier 1 risk-based capital ratio | 18.8838% | 1,715 |
| Total risk-based capital ratio | 19.2416% | 1,898 |
| Memoranda: | ||
| Average total assets | $100,542,670 | 4,416 |
| Average earning assets | $88,941,670 | 4,487 |
| Average equity | $12,567,330 | 4,219 |
| Average total loans | $66,166,330 | 4,190 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 5,208 |
| Cost of funding earning assets | 0.2488% | 4,719 |
| Net interest margin | 3.1100% | 4,834 |
| Noninterest income to average assets | 0.7773% | 1,704 |
| Noninterest expense to average assets | 3.1806% | 1,883 |
| Loan and lease loss provision to assets | 0.3807% | 376 |
| Net operating income to assets | 0.0436% | 5,752 |
| Return on assets (ROA) | 0.0436% | 5,785 |
| Pretax return on assets | -0.0079% | 5,818 |
| Return on Equity (ROE) | 0.3529% | 5,788 |
| Retained earnings to average equity (ytd only) | 0.3529% | 5,035 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1473% | 1,244 |
| Assets per employee ($millions) | 7.1596% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2267% | 6,031 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,574 |
| Noncurrent loans to loans | 0.3718% | 4,104 |
| Net loans and leases to total assets | 65.8622% | 2,973 |
| Net loans and leases to deposits | 76.6392% | 3,148 |
| Net loans and leases to core deposits | 86.0683% | 2,742 |
| Total domestic deposits to total assets | 85.9380% | 2,693 |
| Equity capital to assets | 12.5266% | 1,668 |
| Core capital (leverage) ratio | 11.5305% | 1,952 |
| Tier 1 risk-based capital ratio | 17.8153% | 2,034 |
| Total risk-based capital ratio | 18.0698% | 2,302 |
| Memoranda: | ||
| Average total assets | $100,861,000 | 4,452 |
| Average earning assets | $90,033,500 | 4,499 |
| Average equity | $12,468,500 | 4,248 |
| Average total loans | $67,143,000 | 4,186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 4,914 |
| Cost of funding earning assets | 0.4081% | 3,069 |
| Net interest margin | 3.0938% | 4,916 |
| Noninterest income to average assets | 0.3757% | 4,222 |
| Noninterest expense to average assets | 2.8566% | 3,004 |
| Loan and lease loss provision to assets | 0.0520% | 3,276 |
| Net operating income to assets | 0.7650% | 3,494 |
| Return on assets (ROA) | 0.6850% | 3,986 |
| Pretax return on assets | 0.1773% | 5,713 |
| Return on Equity (ROE) | 6.1599% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.1599% | 1,720 |
| Net charge-offs to loans | 0.0604% | 3,015 |
| Credit loss provision to net charge-offs | 128.5714% | 2,033 |
| Earnings coverage of net charge-offs (x) | 7.6429% | 3,055 |
| Efficiency ratio | 87.3707% | 881 |
| Assets per employee ($millions) | 5.9698% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0793% | 6,114 |
| Loan loss allowance to noncurrent loans | 21.7742% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 4,622 |
| Noncurrent loans to loans | 0.3641% | 4,144 |
| Net loans and leases to total assets | 67.0677% | 2,847 |
| Net loans and leases to deposits | 77.1642% | 3,144 |
| Net loans and leases to core deposits | 86.4230% | 2,764 |
| Total domestic deposits to total assets | 86.9156% | 2,183 |
| Equity capital to assets | 12.1996% | 1,814 |
| Core capital (leverage) ratio | 11.3053% | 2,117 |
| Tier 1 risk-based capital ratio | 17.4346% | 2,144 |
| Total risk-based capital ratio | 17.5363% | 2,527 |
| Memoranda: | ||
| Average total assets | $103,795,400 | 4,386 |
| Average earning assets | $93,606,400 | 4,439 |
| Average equity | $11,542,400 | 4,384 |
| Average total loans | $69,484,200 | 4,105 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5201% | 4,936 |
| Cost of funding earning assets | 0.4487% | 2,703 |
| Net interest margin | 3.0714% | 5,032 |
| Noninterest income to average assets | 0.4918% | 3,424 |
| Noninterest expense to average assets | 2.8142% | 3,129 |
| Loan and lease loss provision to assets | 0.0115% | 4,046 |
| Net operating income to assets | 1.1293% | 1,898 |
| Return on assets (ROA) | 1.0232% | 2,449 |
| Pretax return on assets | 0.3411% | 5,571 |
| Return on Equity (ROE) | 9.4237% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.4237% | 757 |
| Net charge-offs to loans | 0.0802% | 2,412 |
| Credit loss provision to net charge-offs | 21.4286% | 3,354 |
| Earnings coverage of net charge-offs (x) | 8.5473% | 2,803 |
| Efficiency ratio | 84.0749% | 1,162 |
| Assets per employee ($millions) | 5.8259% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0131% | 6,208 |
| Loan loss allowance to noncurrent loans | 3.6000% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 3,929 |
| Noncurrent loans to loans | 0.3639% | 4,308 |
| Net loans and leases to total assets | 65.5017% | 3,087 |
| Net loans and leases to deposits | 81.2042% | 2,742 |
| Net loans and leases to core deposits | 91.4463% | 2,322 |
| Total domestic deposits to total assets | 80.6629% | 4,562 |
| Equity capital to assets | 12.2966% | 1,874 |
| Core capital (leverage) ratio | 11.2379% | 2,258 |
| Tier 1 risk-based capital ratio | 16.5357% | 2,554 |
| Total risk-based capital ratio | 16.5628% | 3,062 |
| Memoranda: | ||
| Average total assets | $104,372,500 | 4,418 |
| Average earning assets | $94,503,500 | 4,473 |
| Average equity | $11,332,750 | 4,473 |
| Average total loans | $69,825,500 | 4,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 5,231 |
| Cost of funding earning assets | 0.4942% | 2,305 |
| Net interest margin | 2.9059% | 5,431 |
| Noninterest income to average assets | 0.4337% | 3,827 |
| Noninterest expense to average assets | 2.7579% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3109% | 5,411 |
| Return on assets (ROA) | 0.3109% | 5,505 |
| Pretax return on assets | 0.3167% | 5,635 |
| Return on Equity (ROE) | 2.9967% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,133 |
| Net charge-offs to loans | 0.0399% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.7857% | 2,257 |
| Efficiency ratio | 89.7004% | 775 |
| Assets per employee ($millions) | 5.7262% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 5,327 |
| Loan loss allowance to noncurrent loans | 153.3170% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 3,538 |
| Noncurrent loans to loans | 0.5811% | 3,713 |
| Net loans and leases to total assets | 67.3468% | 2,742 |
| Net loans and leases to deposits | 81.8438% | 2,579 |
| Net loans and leases to core deposits | 92.1454% | 2,143 |
| Total domestic deposits to total assets | 82.2870% | 4,194 |
| Equity capital to assets | 10.4695% | 3,476 |
| Core capital (leverage) ratio | 10.3414% | 3,160 |
| Tier 1 risk-based capital ratio | 15.2920% | 3,205 |
| Total risk-based capital ratio | 16.2005% | 3,319 |
| Memoranda: | ||
| Average total assets | $104,208,000 | 4,462 |
| Average earning assets | $94,705,330 | 4,503 |
| Average equity | $10,812,000 | 4,602 |
| Average total loans | $70,201,330 | 4,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 5,279 |
| Cost of funding earning assets | 0.4917% | 2,360 |
| Net interest margin | 2.8790% | 5,492 |
| Noninterest income to average assets | 0.4390% | 3,698 |
| Noninterest expense to average assets | 2.7831% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2634% | 5,522 |
| Return on assets (ROA) | 0.2634% | 5,615 |
| Pretax return on assets | 0.2711% | 5,710 |
| Return on Equity (ROE) | 2.5502% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.5502% | 4,411 |
| Net charge-offs to loans | 0.0797% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.0714% | 2,420 |
| Efficiency ratio | 91.1250% | 771 |
| Assets per employee ($millions) | 5.8003% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 5,449 |
| Loan loss allowance to noncurrent loans | 83.6461% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 2,735 |
| Noncurrent loans to loans | 1.0708% | 2,622 |
| Net loans and leases to total assets | 66.1319% | 2,744 |
| Net loans and leases to deposits | 82.3612% | 2,292 |
| Net loans and leases to core deposits | 92.5511% | 1,902 |
| Total domestic deposits to total assets | 80.2950% | 4,994 |
| Equity capital to assets | 10.4870% | 3,549 |
| Core capital (leverage) ratio | 10.2913% | 3,223 |
| Tier 1 risk-based capital ratio | 15.2804% | 3,278 |
| Total risk-based capital ratio | 16.1895% | 3,397 |
| Memoranda: | ||
| Average total assets | $104,776,500 | 4,482 |
| Average earning assets | $95,171,000 | 4,529 |
| Average equity | $10,822,500 | 4,633 |
| Average total loans | $70,282,500 | 4,174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 5,205 |
| Cost of funding earning assets | 0.5047% | 2,621 |
| Net interest margin | 3.0476% | 5,323 |
| Noninterest income to average assets | 0.4709% | 3,704 |
| Noninterest expense to average assets | 3.3746% | 1,753 |
| Loan and lease loss provision to assets | -0.0608% | 6,068 |
| Net operating income to assets | -0.0479% | 6,121 |
| Return on assets (ROA) | -0.0066% | 6,113 |
| Pretax return on assets | 0.0028% | 6,093 |
| Return on Equity (ROE) | -0.0660% | 6,115 |
| Retained earnings to average equity (ytd only) | -1.9523% | 6,007 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7709% | 294 |
| Assets per employee ($millions) | 5.8416% | 1,496 |
| Cash dividends to net income (ytd only)* | -2,857.1429% | 6,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 5,476 |
| Loan loss allowance to noncurrent loans | 64.5749% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 2,429 |
| Noncurrent loans to loans | 1.3936% | 2,105 |
| Net loans and leases to total assets | 66.8182% | 2,757 |
| Net loans and leases to deposits | 82.9825% | 2,341 |
| Net loans and leases to core deposits | 93.4617% | 1,954 |
| Total domestic deposits to total assets | 80.5208% | 4,876 |
| Equity capital to assets | 10.1723% | 3,891 |
| Core capital (leverage) ratio | 10.1354% | 3,384 |
| Tier 1 risk-based capital ratio | 16.4620% | 2,729 |
| Total risk-based capital ratio | 17.4714% | 2,792 |
| Memoranda: | ||
| Average total assets | $106,826,000 | 4,440 |
| Average earning assets | $97,486,800 | 4,464 |
| Average equity | $10,603,000 | 4,636 |
| Average total loans | $71,594,400 | 4,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 5,186 |
| Cost of funding earning assets | 0.5042% | 2,713 |
| Net interest margin | 3.0798% | 5,312 |
| Noninterest income to average assets | 0.5358% | 3,286 |
| Noninterest expense to average assets | 3.1553% | 2,308 |
| Loan and lease loss provision to assets | -0.0808% | 6,243 |
| Net operating income to assets | 0.2699% | 5,680 |
| Return on assets (ROA) | 0.3133% | 5,620 |
| Pretax return on assets | 0.3232% | 5,733 |
| Return on Equity (ROE) | 3.1758% | 5,483 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,608 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1046% | 590 |
| Assets per employee ($millions) | 5.9084% | 1,400 |
| Cash dividends to net income (ytd only)* | 79.3655% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,577 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 3,284 |
| Noncurrent loans to loans | 0.9501% | 3,184 |
| Net loans and leases to total assets | 65.4083% | 2,967 |
| Net loans and leases to deposits | 81.2946% | 2,516 |
| Net loans and leases to core deposits | 91.4292% | 2,077 |
| Total domestic deposits to total assets | 80.4583% | 4,976 |
| Equity capital to assets | 10.1850% | 3,947 |
| Core capital (leverage) ratio | 10.1930% | 3,422 |
| Tier 1 risk-based capital ratio | 16.1298% | 2,995 |
| Total risk-based capital ratio | 17.0921% | 3,075 |
| Memoranda: | ||
| Average total assets | $107,245,500 | 4,473 |
| Average earning assets | $98,100,750 | 4,494 |
| Average equity | $10,579,750 | 4,674 |
| Average total loans | $71,769,000 | 4,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 5,203 |
| Cost of funding earning assets | 0.5046% | 2,789 |
| Net interest margin | 3.0765% | 5,329 |
| Noninterest income to average assets | 0.6397% | 2,604 |
| Noninterest expense to average assets | 3.2303% | 2,104 |
| Loan and lease loss provision to assets | -0.1209% | 6,399 |
| Net operating income to assets | 0.3329% | 5,456 |
| Return on assets (ROA) | 0.3329% | 5,529 |
| Pretax return on assets | 0.3422% | 5,694 |
| Return on Equity (ROE) | 3.4109% | 5,380 |
| Retained earnings to average equity (ytd only) | -0.4002% | 5,752 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5884% | 663 |
| Assets per employee ($millions) | 5.4596% | 1,731 |
| Cash dividends to net income (ytd only)* | 111.7318% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 5,744 |
| Loan loss allowance to noncurrent loans | 88.3657% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 3,343 |
| Noncurrent loans to loans | 1.0083% | 3,222 |
| Net loans and leases to total assets | 64.9953% | 2,907 |
| Net loans and leases to deposits | 80.3289% | 2,472 |
| Net loans and leases to core deposits | 89.9925% | 2,126 |
| Total domestic deposits to total assets | 80.9114% | 5,009 |
| Equity capital to assets | 9.8186% | 4,325 |
| Core capital (leverage) ratio | 9.9028% | 3,737 |
| Tier 1 risk-based capital ratio | 15.8195% | 3,186 |
| Total risk-based capital ratio | 16.7704% | 3,294 |
| Memoranda: | ||
| Average total assets | $107,543,330 | 4,499 |
| Average earning assets | $98,293,330 | 4,519 |
| Average equity | $10,495,670 | 4,703 |
| Average total loans | $72,291,670 | 4,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 5,201 |
| Cost of funding earning assets | 0.4775% | 3,143 |
| Net interest margin | 3.1119% | 5,210 |
| Noninterest income to average assets | 0.8396% | 1,604 |
| Noninterest expense to average assets | 3.3134% | 1,916 |
| Loan and lease loss provision to assets | -0.2436% | 6,595 |
| Net operating income to assets | 0.5960% | 4,217 |
| Return on assets (ROA) | 0.5960% | 4,294 |
| Pretax return on assets | 0.6035% | 4,817 |
| Return on Equity (ROE) | 6.1254% | 3,949 |
| Retained earnings to average equity (ytd only) | -1.5795% | 5,811 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2041% | 1,016 |
| Assets per employee ($millions) | 5.5117% | 1,701 |
| Cash dividends to net income (ytd only)* | 125.7862% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 5,898 |
| Loan loss allowance to noncurrent loans | 145.9954% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 4,293 |
| Noncurrent loans to loans | 0.6084% | 4,336 |
| Net loans and leases to total assets | 64.5763% | 2,797 |
| Net loans and leases to deposits | 80.0416% | 2,287 |
| Net loans and leases to core deposits | 89.9960% | 1,904 |
| Total domestic deposits to total assets | 80.6784% | 5,323 |
| Equity capital to assets | 9.4980% | 4,504 |
| Core capital (leverage) ratio | 10.3442% | 3,125 |
| Tier 1 risk-based capital ratio | 15.6756% | 3,347 |
| Total risk-based capital ratio | 16.6212% | 3,463 |
| Memoranda: | ||
| Average total assets | $106,719,500 | 4,565 |
| Average earning assets | $97,176,500 | 4,592 |
| Average equity | $10,383,000 | 4,753 |
| Average total loans | $72,634,000 | 4,180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,899 |
| Cost of funding earning assets | 0.5289% | 3,296 |
| Net interest margin | 3.2443% | 4,854 |
| Noninterest income to average assets | 1.1273% | 1,107 |
| Noninterest expense to average assets | 3.5498% | 1,548 |
| Loan and lease loss provision to assets | 0.1110% | 2,954 |
| Net operating income to assets | 0.3737% | 5,246 |
| Return on assets (ROA) | 0.4988% | 4,876 |
| Pretax return on assets | 0.5096% | 5,179 |
| Return on Equity (ROE) | 4.7691% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.7691% | 2,754 |
| Net charge-offs to loans | 0.0730% | 4,189 |
| Credit loss provision to net charge-offs | 226.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 10.0400% | 2,430 |
| Efficiency ratio | 87.8067% | 1,239 |
| Assets per employee ($millions) | 4.4872% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,734 |
| Loan loss allowance to noncurrent loans | 159.4104% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 4,267 |
| Noncurrent loans to loans | 0.6004% | 4,484 |
| Net loans and leases to total assets | 70.4830% | 1,937 |
| Net loans and leases to deposits | 86.6141% | 1,618 |
| Net loans and leases to core deposits | 94.3305% | 1,577 |
| Total domestic deposits to total assets | 81.3759% | 5,076 |
| Equity capital to assets | 9.9763% | 3,804 |
| Core capital (leverage) ratio | 10.5620% | 2,833 |
| Tier 1 risk-based capital ratio | 16.1620% | 3,022 |
| Total risk-based capital ratio | 17.2331% | 3,059 |
| Memoranda: | ||
| Average total assets | $101,837,200 | 4,698 |
| Average earning assets | $91,514,800 | 4,730 |
| Average equity | $10,652,000 | 4,712 |
| Average total loans | $68,496,600 | 4,323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,977 |
| Cost of funding earning assets | 0.5340% | 3,429 |
| Net interest margin | 3.2320% | 4,891 |
| Noninterest income to average assets | 1.3583% | 788 |
| Noninterest expense to average assets | 3.5718% | 1,454 |
| Loan and lease loss provision to assets | 0.1484% | 2,418 |
| Net operating income to assets | 0.5308% | 4,663 |
| Return on assets (ROA) | 0.6647% | 4,181 |
| Pretax return on assets | 0.6765% | 4,760 |
| Return on Equity (ROE) | 6.2811% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.2811% | 2,245 |
| Net charge-offs to loans | 0.0991% | 3,563 |
| Credit loss provision to net charge-offs | 226.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 10.4792% | 2,353 |
| Efficiency ratio | 83.8421% | 1,622 |
| Assets per employee ($millions) | 4.3535% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 5,868 |
| Loan loss allowance to noncurrent loans | 240.7534% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 5,602 |
| Noncurrent loans to loans | 0.4004% | 5,193 |
| Net loans and leases to total assets | 69.1309% | 2,114 |
| Net loans and leases to deposits | 84.8507% | 1,761 |
| Net loans and leases to core deposits | 92.3055% | 1,748 |
| Total domestic deposits to total assets | 81.4735% | 5,093 |
| Equity capital to assets | 9.9222% | 4,021 |
| Core capital (leverage) ratio | 10.2573% | 3,308 |
| Tier 1 risk-based capital ratio | 15.4611% | 3,490 |
| Total risk-based capital ratio | 16.5172% | 3,537 |
| Memoranda: | ||
| Average total assets | $101,495,250 | 4,750 |
| Average earning assets | $91,126,750 | 4,783 |
| Average equity | $10,741,000 | 4,748 |
| Average total loans | $67,259,500 | 4,401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 5,059 |
| Cost of funding earning assets | 0.5409% | 3,493 |
| Net interest margin | 3.1877% | 4,986 |
| Noninterest income to average assets | 1.8508% | 499 |
| Noninterest expense to average assets | 3.6856% | 1,272 |
| Loan and lease loss provision to assets | 0.2249% | 1,682 |
| Net operating income to assets | 0.7921% | 3,337 |
| Return on assets (ROA) | 0.9930% | 2,497 |
| Pretax return on assets | 1.0050% | 3,491 |
| Return on Equity (ROE) | 9.1849% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.1849% | 1,063 |
| Net charge-offs to loans | 0.1530% | 2,876 |
| Credit loss provision to net charge-offs | 226.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 10.3200% | 2,164 |
| Efficiency ratio | 78.2095% | 2,427 |
| Assets per employee ($millions) | 4.1557% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,616 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 5,577 |
| Noncurrent loans to loans | 0.4431% | 5,155 |
| Net loans and leases to total assets | 66.2679% | 2,546 |
| Net loans and leases to deposits | 80.5266% | 2,248 |
| Net loans and leases to core deposits | 84.5255% | 2,488 |
| Total domestic deposits to total assets | 82.2933% | 4,947 |
| Equity capital to assets | 10.6230% | 3,145 |
| Core capital (leverage) ratio | 10.6180% | 2,746 |
| Tier 1 risk-based capital ratio | 16.2982% | 3,039 |
| Total risk-based capital ratio | 17.4068% | 3,060 |
| Memoranda: | ||
| Average total assets | $100,499,330 | 4,803 |
| Average earning assets | $90,220,670 | 4,841 |
| Average equity | $10,865,670 | 4,755 |
| Average total loans | $65,368,330 | 4,485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,943 |
| Cost of funding earning assets | 0.5586% | 3,491 |
| Net interest margin | 3.2053% | 4,917 |
| Noninterest income to average assets | 2.9897% | 251 |
| Noninterest expense to average assets | 3.6598% | 1,317 |
| Loan and lease loss provision to assets | 0.4282% | 700 |
| Net operating income to assets | 1.7605% | 505 |
| Return on assets (ROA) | 1.7605% | 559 |
| Pretax return on assets | 1.7684% | 941 |
| Return on Equity (ROE) | 16.1440% | 593 |
| Retained earnings to average equity (ytd only) | 16.1440% | 268 |
| Net charge-offs to loans | 0.2908% | 1,802 |
| Credit loss provision to net charge-offs | 229.7872% | 990 |
| Earnings coverage of net charge-offs (x) | 11.7872% | 1,648 |
| Efficiency ratio | 62.4915% | 5,241 |
| Assets per employee ($millions) | 4.3552% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,562 |
| Loan loss allowance to noncurrent loans | 233.6667% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 5,083 |
| Noncurrent loans to loans | 0.4752% | 5,233 |
| Net loans and leases to total assets | 62.3181% | 2,999 |
| Net loans and leases to deposits | 75.9471% | 2,643 |
| Net loans and leases to core deposits | 80.0780% | 2,798 |
| Total domestic deposits to total assets | 82.0545% | 5,174 |
| Equity capital to assets | 11.1740% | 2,772 |
| Core capital (leverage) ratio | 10.2107% | 3,132 |
| Tier 1 risk-based capital ratio | 16.6609% | 2,920 |
| Total risk-based capital ratio | 17.8289% | 2,924 |
| Memoranda: | ||
| Average total assets | $100,881,000 | 4,846 |
| Average earning assets | $90,225,500 | 4,883 |
| Average equity | $11,001,000 | 4,767 |
| Average total loans | $64,654,500 | 4,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 4,819 |
| Cost of funding earning assets | 0.8152% | 2,542 |
| Net interest margin | 3.3206% | 5,178 |
| Noninterest income to average assets | 1.3638% | 837 |
| Noninterest expense to average assets | 3.3977% | 2,053 |
| Loan and lease loss provision to assets | 0.1174% | 4,155 |
| Net operating income to assets | 0.7617% | 3,458 |
| Return on assets (ROA) | 0.9167% | 2,974 |
| Pretax return on assets | 0.9509% | 3,741 |
| Return on Equity (ROE) | 9.2631% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.2631% | 751 |
| Net charge-offs to loans | 0.0074% | 5,848 |
| Credit loss provision to net charge-offs | 2,400.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 185.4000% | 223 |
| Efficiency ratio | 78.9318% | 2,287 |
| Assets per employee ($millions) | 4.4170% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,071 |
| Loan loss allowance to noncurrent loans | 111.4983% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,071 |
| Noncurrent loans to loans | 0.8673% | 4,449 |
| Net loans and leases to total assets | 64.5169% | 2,808 |
| Net loans and leases to deposits | 78.1225% | 2,511 |
| Net loans and leases to core deposits | 82.2983% | 2,741 |
| Total domestic deposits to total assets | 82.5843% | 4,896 |
| Equity capital to assets | 10.6396% | 3,352 |
| Core capital (leverage) ratio | 9.6455% | 3,899 |
| Tier 1 risk-based capital ratio | 15.4392% | 3,465 |
| Total risk-based capital ratio | 16.4826% | 3,539 |
| Memoranda: | ||
| Average total assets | $102,217,000 | 4,773 |
| Average earning assets | $90,525,400 | 4,857 |
| Average equity | $10,115,400 | 4,960 |
| Average total loans | $67,552,600 | 4,438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 4,873 |
| Cost of funding earning assets | 0.8680% | 2,403 |
| Net interest margin | 3.3162% | 5,326 |
| Noninterest income to average assets | 1.2112% | 1,023 |
| Noninterest expense to average assets | 3.2586% | 2,398 |
| Loan and lease loss provision to assets | 0.1042% | 4,269 |
| Net operating income to assets | 0.7618% | 3,644 |
| Return on assets (ROA) | 0.9703% | 2,876 |
| Pretax return on assets | 0.9989% | 3,716 |
| Return on Equity (ROE) | 9.9910% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.9910% | 917 |
| Net charge-offs to loans | -0.0039% | 6,254 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5804% | 2,301 |
| Assets per employee ($millions) | 4.5923% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,361 |
| Loan loss allowance to noncurrent loans | 104.1166% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,224 |
| Noncurrent loans to loans | 0.8713% | 4,676 |
| Net loans and leases to total assets | 65.6244% | 2,724 |
| Net loans and leases to deposits | 79.3891% | 2,484 |
| Net loans and leases to core deposits | 82.8555% | 2,851 |
| Total domestic deposits to total assets | 82.6618% | 4,771 |
| Equity capital to assets | 10.5403% | 3,794 |
| Core capital (leverage) ratio | 9.2335% | 4,695 |
| Tier 1 risk-based capital ratio | 15.3080% | 3,642 |
| Total risk-based capital ratio | 16.2906% | 3,771 |
| Memoranda: | ||
| Average total assets | $102,373,250 | 4,817 |
| Average earning assets | $90,623,500 | 4,893 |
| Average equity | $9,942,000 | 5,036 |
| Average total loans | $67,894,750 | 4,470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 4,922 |
| Cost of funding earning assets | 0.9013% | 2,386 |
| Net interest margin | 3.3070% | 5,418 |
| Noninterest income to average assets | 1.0445% | 1,330 |
| Noninterest expense to average assets | 3.1550% | 2,733 |
| Loan and lease loss provision to assets | 0.0584% | 4,925 |
| Net operating income to assets | 0.7247% | 3,728 |
| Return on assets (ROA) | 0.7819% | 3,728 |
| Pretax return on assets | 0.8247% | 4,384 |
| Return on Equity (ROE) | 8.2833% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.2833% | 1,532 |
| Net charge-offs to loans | -0.0059% | 6,193 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3154% | 2,285 |
| Assets per employee ($millions) | 4.7380% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 6,655 |
| Loan loss allowance to noncurrent loans | 75.6793% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,026 |
| Noncurrent loans to loans | 1.0654% | 4,388 |
| Net loans and leases to total assets | 65.7402% | 2,723 |
| Net loans and leases to deposits | 81.5502% | 2,169 |
| Net loans and leases to core deposits | 85.0946% | 2,548 |
| Total domestic deposits to total assets | 80.6132% | 5,587 |
| Equity capital to assets | 9.7049% | 4,755 |
| Core capital (leverage) ratio | 8.5472% | 5,584 |
| Tier 1 risk-based capital ratio | 14.3424% | 4,215 |
| Total risk-based capital ratio | 15.2451% | 4,414 |
| Memoranda: | ||
| Average total assets | $102,820,670 | 4,834 |
| Average earning assets | $91,201,330 | 4,891 |
| Average equity | $9,706,330 | 5,106 |
| Average total loans | $68,223,670 | 4,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 4,824 |
| Cost of funding earning assets | 0.9158% | 2,563 |
| Net interest margin | 3.3623% | 5,256 |
| Noninterest income to average assets | 0.8735% | 1,856 |
| Noninterest expense to average assets | 3.0711% | 3,014 |
| Loan and lease loss provision to assets | 0.0588% | 4,676 |
| Net operating income to assets | 0.7099% | 3,837 |
| Return on assets (ROA) | 0.7952% | 3,640 |
| Pretax return on assets | 0.8069% | 4,389 |
| Return on Equity (ROE) | 8.5460% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.5460% | 1,763 |
| Net charge-offs to loans | -0.0118% | 5,998 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7558% | 2,229 |
| Assets per employee ($millions) | 5.1397% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,761 |
| Loan loss allowance to noncurrent loans | 294.5652% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 6,434 |
| Noncurrent loans to loans | 0.2677% | 6,150 |
| Net loans and leases to total assets | 66.3434% | 2,402 |
| Net loans and leases to deposits | 84.4984% | 1,596 |
| Net loans and leases to core deposits | 87.7493% | 2,078 |
| Total domestic deposits to total assets | 78.5143% | 6,182 |
| Equity capital to assets | 9.3576% | 5,018 |
| Core capital (leverage) ratio | 8.5897% | 5,454 |
| Tier 1 risk-based capital ratio | 14.3610% | 4,201 |
| Total risk-based capital ratio | 15.2566% | 4,430 |
| Memoranda: | ||
| Average total assets | $102,113,000 | 4,888 |
| Average earning assets | $90,415,500 | 4,951 |
| Average equity | $9,501,500 | 5,170 |
| Average total loans | $67,794,500 | 4,524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 4,914 |
| Cost of funding earning assets | 1.0510% | 3,006 |
| Net interest margin | 3.4897% | 5,187 |
| Noninterest income to average assets | 0.5527% | 3,487 |
| Noninterest expense to average assets | 3.2875% | 2,558 |
| Loan and lease loss provision to assets | 0.1068% | 5,258 |
| Net operating income to assets | 0.1911% | 5,616 |
| Return on assets (ROA) | 0.0688% | 6,041 |
| Pretax return on assets | 0.0812% | 5,998 |
| Return on Equity (ROE) | 0.7370% | 6,016 |
| Retained earnings to average equity (ytd only) | 0.7370% | 5,507 |
| Net charge-offs to loans | -0.0187% | 6,946 |
| Credit loss provision to net charge-offs | -866.6667% | 6,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8317% | 1,131 |
| Assets per employee ($millions) | 5.0716% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 6,773 |
| Loan loss allowance to noncurrent loans | 285.3261% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 6,497 |
| Noncurrent loans to loans | 0.2752% | 6,174 |
| Net loans and leases to total assets | 65.3886% | 2,903 |
| Net loans and leases to deposits | 83.7849% | 1,953 |
| Net loans and leases to core deposits | 87.0864% | 2,494 |
| Total domestic deposits to total assets | 78.0434% | 6,181 |
| Equity capital to assets | 9.2515% | 5,207 |
| Core capital (leverage) ratio | 8.4775% | 5,604 |
| Tier 1 risk-based capital ratio | 14.2585% | 4,142 |
| Total risk-based capital ratio | 15.1593% | 4,349 |
| Memoranda: | ||
| Average total assets | $97,339,400 | 4,970 |
| Average earning assets | $85,537,000 | 5,068 |
| Average equity | $9,090,600 | 5,257 |
| Average total loans | $64,227,800 | 4,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 4,970 |
| Cost of funding earning assets | 1.0726% | 3,161 |
| Net interest margin | 3.5037% | 5,172 |
| Noninterest income to average assets | 0.4305% | 4,431 |
| Noninterest expense to average assets | 3.3597% | 2,314 |
| Loan and lease loss provision to assets | 0.0388% | 5,957 |
| Net operating income to assets | 0.0941% | 5,973 |
| Return on assets (ROA) | -0.0983% | 6,368 |
| Pretax return on assets | -0.0900% | 6,329 |
| Return on Equity (ROE) | -1.0498% | 6,386 |
| Retained earnings to average equity (ytd only) | -1.0498% | 6,163 |
| Net charge-offs to loans | -0.0797% | 7,129 |
| Credit loss provision to net charge-offs | -73.6842% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9668% | 821 |
| Assets per employee ($millions) | 5.2283% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 6,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,094 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 64.8862% | 3,134 |
| Net loans and leases to deposits | 83.6461% | 2,053 |
| Net loans and leases to core deposits | 87.0216% | 2,630 |
| Total domestic deposits to total assets | 77.5723% | 6,279 |
| Equity capital to assets | 9.3882% | 5,253 |
| Core capital (leverage) ratio | 8.3821% | 5,879 |
| Tier 1 risk-based capital ratio | 13.9675% | 4,377 |
| Total risk-based capital ratio | 14.7827% | 4,679 |
| Memoranda: | ||
| Average total assets | $96,316,250 | 5,026 |
| Average earning assets | $84,405,000 | 5,144 |
| Average equity | $9,017,250 | 5,302 |
| Average total loans | $63,572,250 | 4,774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 4,626 |
| Cost of funding earning assets | 1.1078% | 3,178 |
| Net interest margin | 3.5716% | 4,832 |
| Noninterest income to average assets | 0.2308% | 6,002 |
| Noninterest expense to average assets | 3.4897% | 2,007 |
| Loan and lease loss provision to assets | 0.0315% | 5,920 |
| Net operating income to assets | -0.1973% | 6,469 |
| Return on assets (ROA) | -0.5078% | 6,722 |
| Pretax return on assets | -0.4889% | 6,650 |
| Return on Equity (ROE) | -5.4295% | 6,741 |
| Retained earnings to average equity (ytd only) | -5.4295% | 6,599 |
| Net charge-offs to loans | -0.1204% | 7,204 |
| Credit loss provision to net charge-offs | -39.4737% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3942% | 605 |
| Assets per employee ($millions) | 4.8740% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 6,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,145 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.0564% | 3,247 |
| Net loans and leases to deposits | 83.7597% | 2,145 |
| Net loans and leases to core deposits | 86.8905% | 2,776 |
| Total domestic deposits to total assets | 77.6703% | 6,345 |
| Equity capital to assets | 9.1239% | 5,390 |
| Core capital (leverage) ratio | 8.5398% | 5,492 |
| Tier 1 risk-based capital ratio | 13.7050% | 4,384 |
| Total risk-based capital ratio | 14.4898% | 4,715 |
| Memoranda: | ||
| Average total assets | $95,309,330 | 5,094 |
| Average earning assets | $83,044,670 | 5,228 |
| Average equity | $8,914,330 | 5,348 |
| Average total loans | $63,119,330 | 4,827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 3,995 |
| Cost of funding earning assets | 1.1524% | 3,145 |
| Net interest margin | 3.6624% | 4,271 |
| Noninterest income to average assets | 0.2292% | 6,084 |
| Noninterest expense to average assets | 3.8122% | 1,316 |
| Loan and lease loss provision to assets | 0.0637% | 5,195 |
| Net operating income to assets | -0.4755% | 6,793 |
| Return on assets (ROA) | -0.2717% | 6,646 |
| Pretax return on assets | -0.2590% | 6,586 |
| Return on Equity (ROE) | -2.8685% | 6,653 |
| Retained earnings to average equity (ytd only) | -2.8685% | 6,273 |
| Net charge-offs to loans | 0.0191% | 4,814 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | -31.3333% | 5,085 |
| Efficiency ratio | 111.6915% | 465 |
| Assets per employee ($millions) | 4.7086% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 7,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 6,251 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.3955% | 2,903 |
| Net loans and leases to deposits | 81.9766% | 2,369 |
| Net loans and leases to core deposits | 84.6593% | 3,075 |
| Total domestic deposits to total assets | 80.9933% | 5,655 |
| Equity capital to assets | 9.5782% | 4,336 |
| Core capital (leverage) ratio | 8.8153% | 4,903 |
| Tier 1 risk-based capital ratio | 13.9860% | 4,080 |
| Total risk-based capital ratio | 14.7006% | 4,440 |
| Memoranda: | ||
| Average total assets | $94,224,000 | 5,162 |
| Average earning assets | $81,913,000 | 5,302 |
| Average equity | $8,924,500 | 5,354 |
| Average total loans | $62,739,500 | 4,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 4,441 |
| Cost of funding earning assets | 1.3434% | 3,626 |
| Net interest margin | 3.6784% | 4,450 |
| Noninterest income to average assets | 0.5773% | 3,601 |
| Noninterest expense to average assets | 3.3123% | 2,700 |
| Loan and lease loss provision to assets | 0.9258% | 1,761 |
| Net operating income to assets | -0.4650% | 6,362 |
| Return on assets (ROA) | -0.4883% | 6,409 |
| Pretax return on assets | -0.4735% | 6,301 |
| Return on Equity (ROE) | -5.0781% | 6,439 |
| Retained earnings to average equity (ytd only) | -5.0781% | 6,307 |
| Net charge-offs to loans | 1.3654% | 1,637 |
| Credit loss provision to net charge-offs | 106.0680% | 4,219 |
| Earnings coverage of net charge-offs (x) | 0.5449% | 5,564 |
| Efficiency ratio | 87.4441% | 1,525 |
| Assets per employee ($millions) | 4.9619% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 7,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,852 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 65.8948% | 3,488 |
| Net loans and leases to deposits | 81.1705% | 2,956 |
| Net loans and leases to core deposits | 83.5436% | 3,658 |
| Total domestic deposits to total assets | 81.1808% | 5,462 |
| Equity capital to assets | 9.3651% | 4,592 |
| Core capital (leverage) ratio | 8.8399% | 4,791 |
| Tier 1 risk-based capital ratio | 13.5115% | 4,188 |
| Total risk-based capital ratio | 14.1793% | 4,630 |
| Memoranda: | ||
| Average total assets | $94,407,000 | 5,146 |
| Average earning assets | $82,400,600 | 5,260 |
| Average equity | $9,078,200 | 5,399 |
| Average total loans | $60,347,600 | 5,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 4,959 |
| Cost of funding earning assets | 1.3858% | 3,662 |
| Net interest margin | 3.5824% | 4,957 |
| Noninterest income to average assets | 0.3501% | 5,368 |
| Noninterest expense to average assets | 3.1158% | 3,259 |
| Loan and lease loss provision to assets | 1.2339% | 1,146 |
| Net operating income to assets | -0.8824% | 6,832 |
| Return on assets (ROA) | -0.9148% | 6,890 |
| Pretax return on assets | -0.9007% | 6,806 |
| Return on Equity (ROE) | -9.4522% | 6,900 |
| Retained earnings to average equity (ytd only) | -9.4522% | 6,846 |
| Net charge-offs to loans | 0.2921% | 4,200 |
| Credit loss provision to net charge-offs | 667.1756% | 440 |
| Earnings coverage of net charge-offs (x) | 1.9771% | 4,234 |
| Efficiency ratio | 89.4972% | 1,327 |
| Assets per employee ($millions) | 4.6394% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,729 |
| Loan loss allowance to noncurrent loans | 48.6117% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.1535% | 2,283 |
| Noncurrent loans to loans | 3.7387% | 2,071 |
| Net loans and leases to total assets | 64.2191% | 4,081 |
| Net loans and leases to deposits | 79.3932% | 3,561 |
| Net loans and leases to core deposits | 81.7515% | 4,277 |
| Total domestic deposits to total assets | 80.8874% | 5,418 |
| Equity capital to assets | 9.4809% | 4,876 |
| Core capital (leverage) ratio | 8.5850% | 5,370 |
| Tier 1 risk-based capital ratio | 13.1104% | 4,494 |
| Total risk-based capital ratio | 14.3674% | 4,461 |
| Memoranda: | ||
| Average total assets | $94,439,750 | 5,211 |
| Average earning assets | $82,549,250 | 5,324 |
| Average equity | $9,140,500 | 5,456 |
| Average total loans | $59,801,500 | 5,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 5,178 |
| Cost of funding earning assets | 1.4327% | 3,656 |
| Net interest margin | 3.5169% | 5,180 |
| Noninterest income to average assets | 0.3221% | 5,583 |
| Noninterest expense to average assets | 2.8634% | 4,212 |
| Loan and lease loss provision to assets | 0.6885% | 2,104 |
| Net operating income to assets | -0.1621% | 6,307 |
| Return on assets (ROA) | -0.1579% | 6,362 |
| Pretax return on assets | -0.1453% | 6,287 |
| Return on Equity (ROE) | -1.6207% | 6,388 |
| Retained earnings to average equity (ytd only) | -1.6207% | 6,090 |
| Net charge-offs to loans | 0.4336% | 3,259 |
| Credit loss provision to net charge-offs | 253.4884% | 1,507 |
| Earnings coverage of net charge-offs (x) | 1.9845% | 4,039 |
| Efficiency ratio | 84.1584% | 1,905 |
| Assets per employee ($millions) | 4.9445% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,613 |
| Loan loss allowance to noncurrent loans | 72.5260% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 4,189 |
| Noncurrent loans to loans | 1.3021% | 4,774 |
| Net loans and leases to total assets | 62.1896% | 4,647 |
| Net loans and leases to deposits | 77.0531% | 4,152 |
| Net loans and leases to core deposits | 79.2082% | 4,781 |
| Total domestic deposits to total assets | 80.7100% | 5,507 |
| Equity capital to assets | 9.7823% | 4,293 |
| Core capital (leverage) ratio | 9.0976% | 4,463 |
| Tier 1 risk-based capital ratio | 13.2636% | 4,236 |
| Total risk-based capital ratio | 14.1296% | 4,498 |
| Memoranda: | ||
| Average total assets | $94,990,670 | 5,218 |
| Average earning assets | $83,198,330 | 5,327 |
| Average equity | $9,255,000 | 5,432 |
| Average total loans | $59,505,330 | 5,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 5,816 |
| Cost of funding earning assets | 1.4826% | 3,678 |
| Net interest margin | 3.3371% | 5,830 |
| Noninterest income to average assets | 0.2973% | 5,769 |
| Noninterest expense to average assets | 2.8478% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3527% | 5,067 |
| Return on assets (ROA) | 0.3643% | 5,125 |
| Pretax return on assets | 0.3937% | 5,315 |
| Return on Equity (ROE) | 3.7470% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.7470% | 3,904 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1971% | 1,569 |
| Assets per employee ($millions) | 4.9386% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 7,496 |
| Loan loss allowance to noncurrent loans | 14.5344% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 2.8646% | 2,517 |
| Noncurrent loans to loans | 4.1428% | 1,861 |
| Net loans and leases to total assets | 63.1573% | 4,500 |
| Net loans and leases to deposits | 79.5092% | 3,744 |
| Net loans and leases to core deposits | 81.5733% | 4,548 |
| Total domestic deposits to total assets | 79.4339% | 5,982 |
| Equity capital to assets | 9.9303% | 3,946 |
| Core capital (leverage) ratio | 9.3026% | 4,052 |
| Tier 1 risk-based capital ratio | 13.5858% | 3,937 |
| Total risk-based capital ratio | 14.1445% | 4,386 |
| Memoranda: | ||
| Average total assets | $95,513,500 | 5,275 |
| Average earning assets | $83,906,000 | 5,363 |
| Average equity | $9,287,500 | 5,457 |
| Average total loans | $59,767,500 | 5,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 3,107 |
| Cost of funding earning assets | 1.8993% | 3,465 |
| Net interest margin | 3.7997% | 3,708 |
| Noninterest income to average assets | 0.1414% | 7,034 |
| Noninterest expense to average assets | 3.0974% | 3,757 |
| Loan and lease loss provision to assets | 0.3140% | 4,934 |
| Net operating income to assets | 0.0096% | 5,458 |
| Return on assets (ROA) | -1.4639% | 6,844 |
| Pretax return on assets | -1.8466% | 6,879 |
| Return on Equity (ROE) | -14.8439% | 6,927 |
| Retained earnings to average equity (ytd only) | -14.8439% | 6,878 |
| Net charge-offs to loans | 0.9345% | 2,526 |
| Credit loss provision to net charge-offs | 55.1095% | 6,693 |
| Earnings coverage of net charge-offs (x) | 0.5839% | 5,518 |
| Efficiency ratio | 90.3001% | 1,686 |
| Assets per employee ($millions) | 5.7172% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 7,553 |
| Loan loss allowance to noncurrent loans | 117.3203% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,117 |
| Noncurrent loans to loans | 0.5107% | 6,229 |
| Net loans and leases to total assets | 61.2740% | 5,145 |
| Net loans and leases to deposits | 79.4859% | 4,090 |
| Net loans and leases to core deposits | 90.9096% | 5,030 |
| Total domestic deposits to total assets | 77.0879% | 6,456 |
| Equity capital to assets | 9.5243% | 4,386 |
| Core capital (leverage) ratio | 8.9165% | 4,569 |
| Tier 1 risk-based capital ratio | 13.0651% | 4,099 |
| Total risk-based capital ratio | 13.6139% | 4,591 |
| Memoranda: | ||
| Average total assets | $96,178,200 | 5,197 |
| Average earning assets | $83,242,800 | 5,354 |
| Average equity | $9,485,400 | 5,448 |
| Average total loans | $58,642,600 | 5,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8431% | 2,693 |
| Cost of funding earning assets | 1.9929% | 3,391 |
| Net interest margin | 3.8502% | 3,432 |
| Noninterest income to average assets | 0.0723% | 7,554 |
| Noninterest expense to average assets | 3.0245% | 3,954 |
| Loan and lease loss provision to assets | 0.1070% | 6,306 |
| Net operating income to assets | 0.7339% | 3,077 |
| Return on assets (ROA) | 0.6199% | 3,584 |
| Pretax return on assets | 0.1432% | 5,433 |
| Return on Equity (ROE) | 6.2316% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.2316% | 1,838 |
| Net charge-offs to loans | 0.8412% | 2,278 |
| Credit loss provision to net charge-offs | 20.9239% | 6,565 |
| Earnings coverage of net charge-offs (x) | 0.7120% | 5,326 |
| Efficiency ratio | 89.2535% | 1,758 |
| Assets per employee ($millions) | 5.3399% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 7,674 |
| Loan loss allowance to noncurrent loans | 30.3675% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 3,713 |
| Noncurrent loans to loans | 1.7485% | 3,997 |
| Net loans and leases to total assets | 61.1971% | 5,385 |
| Net loans and leases to deposits | 82.2214% | 3,979 |
| Net loans and leases to core deposits | 93.1347% | 5,117 |
| Total domestic deposits to total assets | 74.4296% | 6,873 |
| Equity capital to assets | 10.6316% | 3,369 |
| Core capital (leverage) ratio | 10.9748% | 2,419 |
| Tier 1 risk-based capital ratio | 15.1223% | 2,990 |
| Total risk-based capital ratio | 15.5824% | 3,311 |
| Memoranda: | ||
| Average total assets | $95,924,500 | 5,246 |
| Average earning assets | $82,626,000 | 5,406 |
| Average equity | $9,542,500 | 5,478 |
| Average total loans | $58,325,000 | 5,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9442% | 2,405 |
| Cost of funding earning assets | 2.0909% | 3,315 |
| Net interest margin | 3.8533% | 3,328 |
| Noninterest income to average assets | 0.1648% | 7,102 |
| Noninterest expense to average assets | 3.0127% | 4,034 |
| Loan and lease loss provision to assets | 0.0250% | 6,985 |
| Net operating income to assets | 1.1559% | 1,592 |
| Return on assets (ROA) | 0.9848% | 2,262 |
| Pretax return on assets | 0.2587% | 5,305 |
| Return on Equity (ROE) | 10.1320% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.1320% | 711 |
| Net charge-offs to loans | 1.2540% | 1,471 |
| Credit loss provision to net charge-offs | 3.2967% | 6,227 |
| Earnings coverage of net charge-offs (x) | 0.5989% | 5,113 |
| Efficiency ratio | 86.8833% | 2,132 |
| Assets per employee ($millions) | 5.1096% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4300% | 7,872 |
| Loan loss allowance to noncurrent loans | 50.2982% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 4,547 |
| Noncurrent loans to loans | 0.8549% | 5,513 |
| Net loans and leases to total assets | 60.3449% | 5,622 |
| Net loans and leases to deposits | 81.2414% | 4,352 |
| Net loans and leases to core deposits | 92.0568% | 5,344 |
| Total domestic deposits to total assets | 74.2784% | 6,913 |
| Equity capital to assets | 9.9689% | 3,986 |
| Core capital (leverage) ratio | 10.2474% | 3,045 |
| Tier 1 risk-based capital ratio | 14.0267% | 3,509 |
| Total risk-based capital ratio | 14.3996% | 3,959 |
| Memoranda: | ||
| Average total assets | $95,859,670 | 5,288 |
| Average earning assets | $82,164,330 | 5,460 |
| Average equity | $9,317,000 | 5,572 |
| Average total loans | $58,054,670 | 5,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0894% | 1,980 |
| Cost of funding earning assets | 2.2429% | 2,946 |
| Net interest margin | 3.8465% | 3,260 |
| Noninterest income to average assets | 0.1050% | 7,514 |
| Noninterest expense to average assets | 2.9019% | 4,151 |
| Loan and lease loss provision to assets | 0.0504% | 6,341 |
| Net operating income to assets | 0.3192% | 5,222 |
| Return on assets (ROA) | 0.3192% | 5,390 |
| Pretax return on assets | 0.4368% | 5,285 |
| Return on Equity (ROE) | 3.3273% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.3273% | 4,026 |
| Net charge-offs to loans | 0.0971% | 4,208 |
| Credit loss provision to net charge-offs | 85.7143% | 4,091 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 2,216 |
| Efficiency ratio | 85.6258% | 2,122 |
| Assets per employee ($millions) | 5.2975% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 5,946 |
| Loan loss allowance to noncurrent loans | 73.8066% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.5469% | 3,614 |
| Noncurrent loans to loans | 1.3946% | 4,221 |
| Net loans and leases to total assets | 60.8054% | 5,535 |
| Net loans and leases to deposits | 82.4847% | 4,208 |
| Net loans and leases to core deposits | 93.0599% | 5,251 |
| Total domestic deposits to total assets | 73.7172% | 6,931 |
| Equity capital to assets | 9.2717% | 4,978 |
| Core capital (leverage) ratio | 8.8349% | 4,929 |
| Tier 1 risk-based capital ratio | 12.1764% | 4,807 |
| Total risk-based capital ratio | 13.0721% | 5,014 |
| Memoranda: | ||
| Average total assets | $95,248,500 | 5,324 |
| Average earning assets | $81,321,500 | 5,510 |
| Average equity | $9,136,500 | 5,643 |
| Average total loans | $57,663,500 | 5,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8532% | 6,259 |
| Cost of funding earning assets | 2.6221% | 3,570 |
| Net interest margin | 3.2310% | 6,270 |
| Noninterest income to average assets | 0.4151% | 5,345 |
| Noninterest expense to average assets | 2.8996% | 4,451 |
| Loan and lease loss provision to assets | 0.6762% | 2,149 |
| Net operating income to assets | -0.3130% | 6,745 |
| Return on assets (ROA) | -1.9501% | 7,554 |
| Pretax return on assets | -2.2122% | 7,508 |
| Return on Equity (ROE) | -16.3920% | 7,640 |
| Retained earnings to average equity (ytd only) | -16.3920% | 7,535 |
| Net charge-offs to loans | 0.6579% | 1,886 |
| Credit loss provision to net charge-offs | 181.6438% | 2,760 |
| Earnings coverage of net charge-offs (x) | 0.8712% | 5,706 |
| Efficiency ratio | 89.9399% | 1,519 |
| Assets per employee ($millions) | 5.2857% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 5,508 |
| Loan loss allowance to noncurrent loans | 4,033.3333% | 156 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 3,473 |
| Noncurrent loans to loans | 0.0264% | 7,407 |
| Net loans and leases to total assets | 59.0044% | 6,052 |
| Net loans and leases to deposits | 81.9880% | 4,733 |
| Net loans and leases to core deposits | 92.1095% | 5,627 |
| Total domestic deposits to total assets | 71.9672% | 7,004 |
| Equity capital to assets | 9.9136% | 4,143 |
| Core capital (leverage) ratio | 8.5434% | 5,491 |
| Tier 1 risk-based capital ratio | 12.9937% | 4,116 |
| Total risk-based capital ratio | 13.9433% | 4,214 |
| Memoranda: | ||
| Average total assets | $98,048,200 | 5,113 |
| Average earning assets | $85,236,000 | 5,261 |
| Average equity | $11,664,200 | 4,925 |
| Average total loans | $55,482,000 | 5,473 |