Home > Fairmount Bank > Performance and Condition Ratios
Fairmount Bank, Performance and Condition Ratios
| 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 | 4.7185% | 1,033 |
| Cost of funding earning assets | 0.9536% | 215 |
| Net interest margin | 3.7649% | 2,459 |
| Noninterest income to average assets | 0.0360% | 6,207 |
| Noninterest expense to average assets | 2.3740% | 4,643 |
| Loan and lease loss provision to assets | 0.3854% | 322 |
| Net operating income to assets | 0.4953% | 4,788 |
| Return on assets (ROA) | 0.5858% | 4,506 |
| Pretax return on assets | 0.9480% | 3,777 |
| Return on Equity (ROE) | 3.7925% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.7925% | 3,593 |
| Net charge-offs to loans | 0.3295% | 800 |
| Credit loss provision to net charge-offs | 164.8352% | 1,439 |
| Earnings coverage of net charge-offs (x) | 5.0989% | 2,958 |
| Efficiency ratio | 66.5706% | 3,907 |
| Assets per employee ($millions) | 6.4346% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,649 |
| Loan loss allowance to noncurrent loans | 67.8034% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 1,950 |
| Noncurrent loans to loans | 1.8050% | 1,417 |
| Net loans and leases to total assets | 70.6598% | 2,218 |
| Net loans and leases to deposits | 99.5076% | 696 |
| Net loans and leases to core deposits | 102.8231% | 1,275 |
| Total domestic deposits to total assets | 71.0095% | 5,986 |
| Equity capital to assets | 15.6887% | 570 |
| Core capital (leverage) ratio | 15.4759% | 547 |
| Tier 1 risk-based capital ratio | 28.1631% | 629 |
| Total risk-based capital ratio | 29.4173% | 623 |
| Memoranda: | ||
| Average total assets | $77,844,670 | 5,022 |
| Average earning assets | $72,989,670 | 4,984 |
| Average equity | $12,023,670 | 4,380 |
| Average total loans | $55,228,670 | 4,608 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,051 |
| Cost of funding earning assets | 0.9225% | 255 |
| Net interest margin | 3.7663% | 2,368 |
| Noninterest income to average assets | 0.0307% | 6,272 |
| Noninterest expense to average assets | 2.3951% | 4,610 |
| Loan and lease loss provision to assets | 0.3838% | 315 |
| Net operating income to assets | 0.4938% | 4,712 |
| Return on assets (ROA) | 0.5527% | 4,577 |
| Pretax return on assets | 0.8751% | 3,983 |
| Return on Equity (ROE) | 3.6065% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,838 |
| Net charge-offs to loans | -0.0072% | 4,609 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2414% | 3,947 |
| Assets per employee ($millions) | 6.5787% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,608 |
| Loan loss allowance to noncurrent loans | 72.7177% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 2,220 |
| Noncurrent loans to loans | 1.7395% | 1,568 |
| Net loans and leases to total assets | 68.5207% | 2,365 |
| Net loans and leases to deposits | 98.0870% | 673 |
| Net loans and leases to core deposits | 101.3319% | 1,233 |
| Total domestic deposits to total assets | 69.8571% | 6,135 |
| Equity capital to assets | 15.2881% | 659 |
| Core capital (leverage) ratio | 15.7015% | 506 |
| Tier 1 risk-based capital ratio | 29.7144% | 552 |
| Total risk-based capital ratio | 30.9680% | 545 |
| Memoranda: | ||
| Average total assets | $78,159,500 | 5,066 |
| Average earning assets | $73,280,500 | 5,018 |
| Average equity | $11,978,500 | 4,418 |
| Average total loans | $55,225,000 | 4,635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 1,094 |
| Cost of funding earning assets | 0.9458% | 297 |
| Net interest margin | 3.8650% | 2,380 |
| Noninterest income to average assets | 0.1535% | 5,927 |
| Noninterest expense to average assets | 2.4294% | 4,762 |
| Loan and lease loss provision to assets | 1.1906% | 81 |
| Net operating income to assets | 0.1783% | 5,807 |
| Return on assets (ROA) | 0.2303% | 5,767 |
| Pretax return on assets | 0.2121% | 5,854 |
| Return on Equity (ROE) | 1.5189% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.5189% | 5,072 |
| Net charge-offs to loans | 2.0373% | 93 |
| Credit loss provision to net charge-offs | 81.3333% | 2,838 |
| Earnings coverage of net charge-offs (x) | 0.9227% | 4,536 |
| Efficiency ratio | 64.2685% | 4,553 |
| Assets per employee ($millions) | 6.4479% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 4,499 |
| Loan loss allowance to noncurrent loans | 64.6073% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 2,296 |
| Noncurrent loans to loans | 1.7157% | 1,699 |
| Net loans and leases to total assets | 71.1431% | 2,053 |
| Net loans and leases to deposits | 103.4446% | 454 |
| Net loans and leases to core deposits | 106.9621% | 957 |
| Total domestic deposits to total assets | 68.7742% | 6,242 |
| Equity capital to assets | 15.3641% | 641 |
| Core capital (leverage) ratio | 15.5039% | 529 |
| Tier 1 risk-based capital ratio | 28.3148% | 602 |
| Total risk-based capital ratio | 29.5548% | 586 |
| Memoranda: | ||
| Average total assets | $76,851,600 | 5,132 |
| Average earning assets | $72,108,600 | 5,086 |
| Average equity | $11,653,400 | 4,426 |
| Average total loans | $55,218,800 | 4,641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 1,146 |
| Cost of funding earning assets | 0.9497% | 308 |
| Net interest margin | 3.8286% | 2,513 |
| Noninterest income to average assets | 0.1894% | 5,783 |
| Noninterest expense to average assets | 2.4556% | 4,656 |
| Loan and lease loss provision to assets | 1.4685% | 59 |
| Net operating income to assets | 0.0539% | 6,081 |
| Return on assets (ROA) | 0.0539% | 6,109 |
| Pretax return on assets | -0.1408% | 6,227 |
| Return on Equity (ROE) | 0.3565% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.3565% | 5,704 |
| Net charge-offs to loans | 2.2017% | 86 |
| Credit loss provision to net charge-offs | 92.8571% | 2,381 |
| Earnings coverage of net charge-offs (x) | 0.8396% | 4,304 |
| Efficiency ratio | 64.9058% | 4,392 |
| Assets per employee ($millions) | 6.4763% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,304 |
| Loan loss allowance to noncurrent loans | 68.8347% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 2,165 |
| Noncurrent loans to loans | 1.9894% | 1,595 |
| Net loans and leases to total assets | 70.6187% | 2,091 |
| Net loans and leases to deposits | 99.4347% | 644 |
| Net loans and leases to core deposits | 103.6918% | 1,117 |
| Total domestic deposits to total assets | 71.0201% | 6,229 |
| Equity capital to assets | 15.1050% | 716 |
| Core capital (leverage) ratio | 15.4530% | 548 |
| Tier 1 risk-based capital ratio | 27.9590% | 644 |
| Total risk-based capital ratio | 29.2162% | 629 |
| Memoranda: | ||
| Average total assets | $76,720,750 | 5,192 |
| Average earning assets | $72,018,000 | 5,141 |
| Average equity | $11,594,750 | 4,463 |
| Average total loans | $55,107,500 | 4,687 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,250 |
| Cost of funding earning assets | 0.9480% | 321 |
| Net interest margin | 3.7697% | 2,667 |
| Noninterest income to average assets | 0.2592% | 5,341 |
| Noninterest expense to average assets | 2.4925% | 4,598 |
| Loan and lease loss provision to assets | 1.6102% | 56 |
| Net operating income to assets | -0.1780% | 6,305 |
| Return on assets (ROA) | -0.1780% | 6,317 |
| Pretax return on assets | -0.3037% | 6,366 |
| Return on Equity (ROE) | -1.1778% | 6,284 |
| Retained earnings to average equity (ytd only) | -1.1778% | 5,881 |
| Net charge-offs to loans | 3.1423% | 48 |
| Credit loss provision to net charge-offs | 71.2630% | 2,456 |
| Earnings coverage of net charge-offs (x) | 0.5782% | 4,016 |
| Efficiency ratio | 65.6099% | 4,418 |
| Assets per employee ($millions) | 6.3673% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,107 |
| Loan loss allowance to noncurrent loans | 40.0415% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 1,711 |
| Noncurrent loans to loans | 2.6274% | 1,157 |
| Net loans and leases to total assets | 71.2710% | 1,871 |
| Net loans and leases to deposits | 96.3226% | 779 |
| Net loans and leases to core deposits | 100.8090% | 1,218 |
| Total domestic deposits to total assets | 73.9919% | 6,116 |
| Equity capital to assets | 15.1112% | 677 |
| Core capital (leverage) ratio | 15.1129% | 589 |
| Tier 1 risk-based capital ratio | 27.2732% | 687 |
| Total risk-based capital ratio | 28.5270% | 671 |
| Memoranda: | ||
| Average total assets | $76,389,000 | 5,241 |
| Average earning assets | $71,730,330 | 5,188 |
| Average equity | $11,546,670 | 4,486 |
| Average total loans | $54,928,670 | 4,721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 1,286 |
| Cost of funding earning assets | 0.9587% | 322 |
| Net interest margin | 3.7289% | 2,751 |
| Noninterest income to average assets | 0.2985% | 4,970 |
| Noninterest expense to average assets | 2.4719% | 4,707 |
| Loan and lease loss provision to assets | 0.8379% | 140 |
| Net operating income to assets | 0.3090% | 5,458 |
| Return on assets (ROA) | 0.3090% | 5,506 |
| Pretax return on assets | 0.4923% | 5,195 |
| Return on Equity (ROE) | 2.0438% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.0438% | 4,792 |
| Net charge-offs to loans | 2.0410% | 128 |
| Credit loss provision to net charge-offs | 57.1429% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.9071% | 3,235 |
| Efficiency ratio | 65.0138% | 4,688 |
| Assets per employee ($millions) | 6.3982% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,111 |
| Loan loss allowance to noncurrent loans | 36.4245% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 1,253 |
| Noncurrent loans to loans | 3.5754% | 805 |
| Net loans and leases to total assets | 69.7869% | 1,935 |
| Net loans and leases to deposits | 94.2299% | 767 |
| Net loans and leases to core deposits | 99.0498% | 1,171 |
| Total domestic deposits to total assets | 74.0603% | 6,238 |
| Equity capital to assets | 15.1254% | 648 |
| Core capital (leverage) ratio | 15.2047% | 576 |
| Tier 1 risk-based capital ratio | 27.8392% | 654 |
| Total risk-based capital ratio | 29.0933% | 641 |
| Memoranda: | ||
| Average total assets | $76,380,000 | 5,293 |
| Average earning assets | $71,764,500 | 5,233 |
| Average equity | $11,547,000 | 4,499 |
| Average total loans | $54,875,500 | 4,761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,421 |
| Cost of funding earning assets | 0.9889% | 472 |
| Net interest margin | 3.7684% | 2,768 |
| Noninterest income to average assets | 0.0296% | 6,595 |
| Noninterest expense to average assets | 2.4072% | 5,051 |
| Loan and lease loss provision to assets | 0.6176% | 397 |
| Net operating income to assets | 0.3011% | 5,522 |
| Return on assets (ROA) | 0.3011% | 5,618 |
| Pretax return on assets | 0.5249% | 5,123 |
| Return on Equity (ROE) | 2.0682% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.0682% | 4,768 |
| Net charge-offs to loans | 0.7129% | 905 |
| Credit loss provision to net charge-offs | 121.5190% | 1,958 |
| Earnings coverage of net charge-offs (x) | 2.2481% | 4,266 |
| Efficiency ratio | 67.8144% | 4,231 |
| Assets per employee ($millions) | 6.3318% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 3,244 |
| Loan loss allowance to noncurrent loans | 34.7918% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 3.1284% | 995 |
| Noncurrent loans to loans | 4.2857% | 644 |
| Net loans and leases to total assets | 71.9065% | 1,697 |
| Net loans and leases to deposits | 97.2586% | 645 |
| Net loans and leases to core deposits | 101.5048% | 1,061 |
| Total domestic deposits to total assets | 73.9333% | 6,289 |
| Equity capital to assets | 15.1102% | 654 |
| Core capital (leverage) ratio | 15.1095% | 591 |
| Tier 1 risk-based capital ratio | 27.2490% | 658 |
| Total risk-based capital ratio | 28.5088% | 644 |
| Memoranda: | ||
| Average total assets | $77,725,000 | 5,289 |
| Average earning assets | $72,603,200 | 5,235 |
| Average equity | $11,314,400 | 4,576 |
| Average total loans | $55,407,400 | 4,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,551 |
| Cost of funding earning assets | 0.9949% | 506 |
| Net interest margin | 3.7217% | 2,949 |
| Noninterest income to average assets | 0.0341% | 6,669 |
| Noninterest expense to average assets | 2.3831% | 5,071 |
| Loan and lease loss provision to assets | 0.6397% | 360 |
| Net operating income to assets | 0.2678% | 5,726 |
| Return on assets (ROA) | 0.2678% | 5,831 |
| Pretax return on assets | 0.4828% | 5,407 |
| Return on Equity (ROE) | 1.8570% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.8570% | 5,202 |
| Net charge-offs to loans | 0.9243% | 628 |
| Credit loss provision to net charge-offs | 97.6563% | 2,449 |
| Earnings coverage of net charge-offs (x) | 1.7135% | 4,269 |
| Efficiency ratio | 67.9805% | 4,107 |
| Assets per employee ($millions) | 6.4073% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,335 |
| Loan loss allowance to noncurrent loans | 30.7209% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 3.1033% | 1,180 |
| Noncurrent loans to loans | 4.2612% | 802 |
| Net loans and leases to total assets | 71.8730% | 1,618 |
| Net loans and leases to deposits | 96.6406% | 649 |
| Net loans and leases to core deposits | 101.5435% | 1,022 |
| Total domestic deposits to total assets | 74.3715% | 6,346 |
| Equity capital to assets | 14.8387% | 742 |
| Core capital (leverage) ratio | 14.7006% | 692 |
| Tier 1 risk-based capital ratio | 26.9822% | 706 |
| Total risk-based capital ratio | 28.2384% | 690 |
| Memoranda: | ||
| Average total assets | $78,160,750 | 5,335 |
| Average earning assets | $72,904,000 | 5,279 |
| Average equity | $11,272,750 | 4,631 |
| Average total loans | $55,393,500 | 4,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,656 |
| Cost of funding earning assets | 1.0035% | 537 |
| Net interest margin | 3.6651% | 3,100 |
| Noninterest income to average assets | 0.0331% | 6,716 |
| Noninterest expense to average assets | 2.5068% | 4,697 |
| Loan and lease loss provision to assets | 0.6999% | 335 |
| Net operating income to assets | 0.1756% | 5,964 |
| Return on assets (ROA) | 0.1756% | 6,075 |
| Pretax return on assets | 0.2469% | 6,008 |
| Return on Equity (ROE) | 1.2291% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.2291% | 5,406 |
| Net charge-offs to loans | 1.1451% | 517 |
| Credit loss provision to net charge-offs | 87.0253% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.1772% | 4,145 |
| Efficiency ratio | 72.5866% | 3,375 |
| Assets per employee ($millions) | 6.5594% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,688 |
| Loan loss allowance to noncurrent loans | 20.9943% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 4.2420% | 796 |
| Noncurrent loans to loans | 6.0096% | 470 |
| Net loans and leases to total assets | 69.6962% | 1,939 |
| Net loans and leases to deposits | 92.8367% | 896 |
| Net loans and leases to core deposits | 97.3800% | 1,257 |
| Total domestic deposits to total assets | 75.0740% | 6,350 |
| Equity capital to assets | 14.2810% | 885 |
| Core capital (leverage) ratio | 14.1361% | 788 |
| Tier 1 risk-based capital ratio | 25.9248% | 782 |
| Total risk-based capital ratio | 27.1789% | 765 |
| Memoranda: | ||
| Average total assets | $78,585,330 | 5,352 |
| Average earning assets | $73,341,000 | 5,293 |
| Average equity | $11,227,330 | 4,676 |
| Average total loans | $55,193,330 | 4,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 1,896 |
| Cost of funding earning assets | 1.0245% | 537 |
| Net interest margin | 3.5555% | 3,455 |
| Noninterest income to average assets | -0.1019% | 6,919 |
| Noninterest expense to average assets | 2.3637% | 5,220 |
| Loan and lease loss provision to assets | 0.6368% | 389 |
| Net operating income to assets | 0.1223% | 6,106 |
| Return on assets (ROA) | 0.1223% | 6,198 |
| Pretax return on assets | 0.2038% | 6,071 |
| Return on Equity (ROE) | 0.8556% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.8556% | 5,502 |
| Net charge-offs to loans | 0.2181% | 2,118 |
| Credit loss provision to net charge-offs | 416.6667% | 617 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,360 |
| Efficiency ratio | 73.7679% | 3,305 |
| Assets per employee ($millions) | 6.5887% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,706 |
| Loan loss allowance to noncurrent loans | 25.4176% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 4.1650% | 932 |
| Noncurrent loans to loans | 6.0129% | 553 |
| Net loans and leases to total assets | 68.2093% | 1,969 |
| Net loans and leases to deposits | 90.6507% | 908 |
| Net loans and leases to core deposits | 95.0492% | 1,263 |
| Total domestic deposits to total assets | 75.2441% | 6,434 |
| Equity capital to assets | 14.2315% | 956 |
| Core capital (leverage) ratio | 13.9963% | 801 |
| Tier 1 risk-based capital ratio | 25.9094% | 792 |
| Total risk-based capital ratio | 27.1673% | 782 |
| Memoranda: | ||
| Average total assets | $78,521,500 | 5,401 |
| Average earning assets | $73,013,500 | 5,353 |
| Average equity | $11,220,500 | 4,732 |
| Average total loans | $55,009,500 | 4,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 1,326 |
| Cost of funding earning assets | 1.2099% | 549 |
| Net interest margin | 3.8869% | 2,885 |
| Noninterest income to average assets | 0.0076% | 6,801 |
| Noninterest expense to average assets | 2.6918% | 4,424 |
| Loan and lease loss provision to assets | 0.2842% | 2,383 |
| Net operating income to assets | 0.4440% | 4,905 |
| Return on assets (ROA) | 0.5495% | 4,736 |
| Pretax return on assets | 0.7655% | 4,432 |
| Return on Equity (ROE) | 3.9712% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.9712% | 3,408 |
| Net charge-offs to loans | 0.4185% | 2,565 |
| Credit loss provision to net charge-offs | 97.8261% | 3,171 |
| Earnings coverage of net charge-offs (x) | 3.1087% | 3,880 |
| Efficiency ratio | 74.8770% | 2,921 |
| Assets per employee ($millions) | 5.9984% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,443 |
| Loan loss allowance to noncurrent loans | 33.9899% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 3.0778% | 1,530 |
| Noncurrent loans to loans | 3.9509% | 1,200 |
| Net loans and leases to total assets | 69.9047% | 1,860 |
| Net loans and leases to deposits | 93.3487% | 797 |
| Net loans and leases to core deposits | 98.4024% | 1,119 |
| Total domestic deposits to total assets | 74.8855% | 6,456 |
| Equity capital to assets | 14.3487% | 923 |
| Core capital (leverage) ratio | 14.0914% | 776 |
| Tier 1 risk-based capital ratio | 26.2018% | 753 |
| Total risk-based capital ratio | 27.4590% | 744 |
| Memoranda: | ||
| Average total assets | $79,166,600 | 5,377 |
| Average earning assets | $73,066,800 | 5,339 |
| Average equity | $10,953,800 | 4,770 |
| Average total loans | $54,953,000 | 4,903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 1,418 |
| Cost of funding earning assets | 1.2363% | 586 |
| Net interest margin | 3.8672% | 3,043 |
| Noninterest income to average assets | 0.0050% | 6,919 |
| Noninterest expense to average assets | 2.7735% | 4,079 |
| Loan and lease loss provision to assets | 0.1678% | 3,439 |
| Net operating income to assets | 0.4799% | 4,917 |
| Return on assets (ROA) | 0.4799% | 5,181 |
| Pretax return on assets | 0.6326% | 5,073 |
| Return on Equity (ROE) | 3.5000% | 5,492 |
| Retained earnings to average equity (ytd only) | 3.5000% | 4,407 |
| Net charge-offs to loans | 0.5588% | 1,936 |
| Credit loss provision to net charge-offs | 43.4783% | 4,541 |
| Earnings coverage of net charge-offs (x) | 2.0739% | 4,232 |
| Efficiency ratio | 77.6056% | 2,442 |
| Assets per employee ($millions) | 6.0691% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,643 |
| Loan loss allowance to noncurrent loans | 32.8716% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 2.7542% | 1,908 |
| Noncurrent loans to loans | 3.4035% | 1,608 |
| Net loans and leases to total assets | 69.1171% | 2,086 |
| Net loans and leases to deposits | 91.7599% | 993 |
| Net loans and leases to core deposits | 97.0648% | 1,332 |
| Total domestic deposits to total assets | 75.3238% | 6,475 |
| Equity capital to assets | 14.0422% | 1,139 |
| Core capital (leverage) ratio | 13.7350% | 932 |
| Tier 1 risk-based capital ratio | 25.9805% | 829 |
| Total risk-based capital ratio | 27.2326% | 815 |
| Memoranda: | ||
| Average total assets | $79,463,500 | 5,419 |
| Average earning assets | $73,333,750 | 5,392 |
| Average equity | $10,895,000 | 4,828 |
| Average total loans | $54,878,000 | 4,959 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 1,336 |
| Cost of funding earning assets | 1.2547% | 632 |
| Net interest margin | 3.9140% | 2,848 |
| Noninterest income to average assets | 0.0427% | 6,885 |
| Noninterest expense to average assets | 2.3829% | 5,515 |
| Loan and lease loss provision to assets | 0.3139% | 2,099 |
| Net operating income to assets | 0.6503% | 4,110 |
| Return on assets (ROA) | 0.6503% | 4,364 |
| Pretax return on assets | 0.9491% | 3,888 |
| Return on Equity (ROE) | 4.7814% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.7814% | 3,427 |
| Net charge-offs to loans | 0.6206% | 1,772 |
| Credit loss provision to net charge-offs | 73.5294% | 3,488 |
| Earnings coverage of net charge-offs (x) | 2.9588% | 3,564 |
| Efficiency ratio | 65.3581% | 4,656 |
| Assets per employee ($millions) | 6.1022% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,920 |
| Loan loss allowance to noncurrent loans | 37.1625% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 3.3619% | 1,599 |
| Noncurrent loans to loans | 3.4781% | 1,650 |
| Net loans and leases to total assets | 67.5793% | 2,350 |
| Net loans and leases to deposits | 89.4588% | 1,199 |
| Net loans and leases to core deposits | 95.0819% | 1,502 |
| Total domestic deposits to total assets | 75.5424% | 6,526 |
| Equity capital to assets | 13.8386% | 1,169 |
| Core capital (leverage) ratio | 13.5486% | 964 |
| Tier 1 risk-based capital ratio | 26.0242% | 802 |
| Total risk-based capital ratio | 27.2791% | 789 |
| Memoranda: | ||
| Average total assets | $79,652,000 | 5,445 |
| Average earning assets | $73,327,000 | 5,423 |
| Average equity | $10,833,670 | 4,851 |
| Average total loans | $54,787,670 | 4,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 1,059 |
| Cost of funding earning assets | 1.2876% | 663 |
| Net interest margin | 4.0318% | 2,365 |
| Noninterest income to average assets | 0.0351% | 6,988 |
| Noninterest expense to average assets | 2.2553% | 5,887 |
| Loan and lease loss provision to assets | 0.4009% | 1,574 |
| Net operating income to assets | 0.7467% | 3,641 |
| Return on assets (ROA) | 0.7467% | 3,876 |
| Pretax return on assets | 1.0825% | 3,394 |
| Return on Equity (ROE) | 5.5383% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.5383% | 3,236 |
| Net charge-offs to loans | 1.2358% | 822 |
| Credit loss provision to net charge-offs | 47.0588% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.7412% | 3,466 |
| Efficiency ratio | 60.3217% | 5,573 |
| Assets per employee ($millions) | 6.1450% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,503 |
| Loan loss allowance to noncurrent loans | 34.3081% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 3.5038% | 1,641 |
| Noncurrent loans to loans | 3.4843% | 1,794 |
| Net loans and leases to total assets | 67.9777% | 2,126 |
| Net loans and leases to deposits | 92.5836% | 756 |
| Net loans and leases to core deposits | 98.5232% | 1,090 |
| Total domestic deposits to total assets | 73.4230% | 6,790 |
| Equity capital to assets | 13.5607% | 1,215 |
| Core capital (leverage) ratio | 13.3120% | 1,019 |
| Tier 1 risk-based capital ratio | 25.1801% | 887 |
| Total risk-based capital ratio | 26.4334% | 870 |
| Memoranda: | ||
| Average total assets | $79,813,500 | 5,481 |
| Average earning assets | $73,316,500 | 5,460 |
| Average equity | $10,761,500 | 4,866 |
| Average total loans | $55,025,500 | 5,023 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 1,190 |
| Cost of funding earning assets | 1.5710% | 535 |
| Net interest margin | 3.9180% | 3,265 |
| Noninterest income to average assets | 0.2941% | 5,427 |
| Noninterest expense to average assets | 2.2313% | 6,206 |
| Loan and lease loss provision to assets | 0.6745% | 1,518 |
| Net operating income to assets | 0.6588% | 3,699 |
| Return on assets (ROA) | 2.0384% | 304 |
| Pretax return on assets | 2.4053% | 251 |
| Return on Equity (ROE) | 15.7072% | 649 |
| Retained earnings to average equity (ytd only) | 15.7072% | 107 |
| Net charge-offs to loans | 0.5142% | 2,934 |
| Credit loss provision to net charge-offs | 176.6784% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.4523% | 3,108 |
| Efficiency ratio | 56.7605% | 6,219 |
| Assets per employee ($millions) | 6.1340% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,347 |
| Loan loss allowance to noncurrent loans | 37.3596% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 2,086 |
| Noncurrent loans to loans | 2.5849% | 2,532 |
| Net loans and leases to total assets | 68.4181% | 2,319 |
| Net loans and leases to deposits | 93.2584% | 864 |
| Net loans and leases to core deposits | 100.2094% | 1,159 |
| Total domestic deposits to total assets | 73.3641% | 6,777 |
| Equity capital to assets | 13.4057% | 1,315 |
| Core capital (leverage) ratio | 12.8128% | 1,213 |
| Tier 1 risk-based capital ratio | 24.0437% | 966 |
| Total risk-based capital ratio | 25.2943% | 951 |
| Memoranda: | ||
| Average total assets | $74,127,800 | 5,641 |
| Average earning assets | $68,811,200 | 5,579 |
| Average equity | $9,619,800 | 5,113 |
| Average total loans | $55,031,600 | 5,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 1,094 |
| Cost of funding earning assets | 1.6169% | 541 |
| Net interest margin | 3.9546% | 3,134 |
| Noninterest income to average assets | 0.3667% | 4,936 |
| Noninterest expense to average assets | 2.1854% | 6,310 |
| Loan and lease loss provision to assets | 0.7333% | 1,307 |
| Net operating income to assets | 0.7242% | 3,486 |
| Return on assets (ROA) | 0.7242% | 3,669 |
| Pretax return on assets | 1.1293% | 2,898 |
| Return on Equity (ROE) | 5.6313% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.6313% | 2,780 |
| Net charge-offs to loans | 0.5162% | 2,696 |
| Credit loss provision to net charge-offs | 187.7934% | 1,557 |
| Earnings coverage of net charge-offs (x) | 4.7700% | 2,970 |
| Efficiency ratio | 53.9855% | 6,492 |
| Assets per employee ($millions) | 6.5964% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,515 |
| Loan loss allowance to noncurrent loans | 38.4674% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 2,128 |
| Noncurrent loans to loans | 2.4134% | 2,869 |
| Net loans and leases to total assets | 73.8299% | 1,351 |
| Net loans and leases to deposits | 102.4576% | 372 |
| Net loans and leases to core deposits | 110.0586% | 672 |
| Total domestic deposits to total assets | 72.0590% | 6,931 |
| Equity capital to assets | 13.3310% | 1,450 |
| Core capital (leverage) ratio | 13.1150% | 1,184 |
| Tier 1 risk-based capital ratio | 23.5015% | 1,072 |
| Total risk-based capital ratio | 24.7469% | 1,057 |
| Memoranda: | ||
| Average total assets | $72,724,250 | 5,720 |
| Average earning assets | $67,700,000 | 5,659 |
| Average equity | $9,352,250 | 5,220 |
| Average total loans | $55,017,000 | 5,117 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 1,029 |
| Cost of funding earning assets | 1.6424% | 581 |
| Net interest margin | 3.9823% | 2,928 |
| Noninterest income to average assets | 0.4809% | 4,018 |
| Noninterest expense to average assets | 2.1215% | 6,549 |
| Loan and lease loss provision to assets | 0.8244% | 1,109 |
| Net operating income to assets | 0.8436% | 2,888 |
| Return on assets (ROA) | 0.8436% | 2,985 |
| Pretax return on assets | 1.2531% | 2,293 |
| Return on Equity (ROE) | 6.6412% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.6412% | 2,056 |
| Net charge-offs to loans | 0.5711% | 2,397 |
| Credit loss provision to net charge-offs | 189.8734% | 1,593 |
| Earnings coverage of net charge-offs (x) | 4.7848% | 2,779 |
| Efficiency ratio | 50.5236% | 6,902 |
| Assets per employee ($millions) | 6.6008% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,815 |
| Loan loss allowance to noncurrent loans | 28.2273% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 3.4472% | 1,911 |
| Noncurrent loans to loans | 2.9430% | 2,471 |
| Net loans and leases to total assets | 75.1339% | 1,218 |
| Net loans and leases to deposits | 104.6138% | 299 |
| Net loans and leases to core deposits | 113.0442% | 617 |
| Total domestic deposits to total assets | 71.8203% | 7,019 |
| Equity capital to assets | 12.9819% | 1,524 |
| Core capital (leverage) ratio | 12.8408% | 1,224 |
| Tier 1 risk-based capital ratio | 22.8201% | 1,147 |
| Total risk-based capital ratio | 23.9420% | 1,148 |
| Memoranda: | ||
| Average total assets | $72,779,000 | 5,759 |
| Average earning assets | $67,951,330 | 5,697 |
| Average equity | $9,245,330 | 5,254 |
| Average total loans | $55,331,670 | 5,158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 990 |
| Cost of funding earning assets | 1.6634% | 646 |
| Net interest margin | 3.9770% | 2,787 |
| Noninterest income to average assets | 0.1427% | 6,701 |
| Noninterest expense to average assets | 2.0696% | 6,694 |
| Loan and lease loss provision to assets | 0.5490% | 1,576 |
| Net operating income to assets | 0.8344% | 2,861 |
| Return on assets (ROA) | 0.8344% | 2,920 |
| Pretax return on assets | 1.2516% | 2,192 |
| Return on Equity (ROE) | 6.6412% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.6412% | 2,310 |
| Net charge-offs to loans | 0.2883% | 2,906 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,848 |
| Efficiency ratio | 53.4752% | 6,745 |
| Assets per employee ($millions) | 6.6100% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 7,121 |
| Loan loss allowance to noncurrent loans | 21.6783% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 2.4082% | 2,828 |
| Noncurrent loans to loans | 3.0666% | 2,447 |
| Net loans and leases to total assets | 76.4475% | 973 |
| Net loans and leases to deposits | 105.7252% | 257 |
| Net loans and leases to core deposits | 114.8522% | 569 |
| Total domestic deposits to total assets | 72.3078% | 7,056 |
| Equity capital to assets | 12.6984% | 1,521 |
| Core capital (leverage) ratio | 12.5973% | 1,285 |
| Tier 1 risk-based capital ratio | 22.4962% | 1,146 |
| Total risk-based capital ratio | 23.4118% | 1,177 |
| Memoranda: | ||
| Average total assets | $72,864,000 | 5,791 |
| Average earning assets | $68,293,500 | 5,727 |
| Average equity | $9,155,000 | 5,271 |
| Average total loans | $55,492,000 | 5,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 1,557 |
| Cost of funding earning assets | 1.9826% | 645 |
| Net interest margin | 3.7216% | 4,263 |
| Noninterest income to average assets | 0.1551% | 6,614 |
| Noninterest expense to average assets | 2.2600% | 6,457 |
| Loan and lease loss provision to assets | 0.3231% | 4,229 |
| Net operating income to assets | 0.7610% | 2,956 |
| Return on assets (ROA) | 0.7610% | 3,077 |
| Pretax return on assets | 1.0381% | 2,819 |
| Return on Equity (ROE) | 6.4892% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,557 |
| Net charge-offs to loans | 0.2187% | 4,983 |
| Credit loss provision to net charge-offs | 195.6522% | 1,620 |
| Earnings coverage of net charge-offs (x) | 8.2435% | 1,997 |
| Efficiency ratio | 62.4108% | 5,656 |
| Assets per employee ($millions) | 6.6380% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 7,302 |
| Loan loss allowance to noncurrent loans | 17.5775% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4788% | 2,789 |
| Noncurrent loans to loans | 3.2257% | 2,351 |
| Net loans and leases to total assets | 74.9336% | 1,486 |
| Net loans and leases to deposits | 105.1181% | 354 |
| Net loans and leases to core deposits | 114.2681% | 717 |
| Total domestic deposits to total assets | 71.2852% | 7,148 |
| Equity capital to assets | 12.4312% | 1,681 |
| Core capital (leverage) ratio | 12.3341% | 1,380 |
| Tier 1 risk-based capital ratio | 22.5648% | 1,099 |
| Total risk-based capital ratio | 23.3481% | 1,131 |
| Memoranda: | ||
| Average total assets | $69,646,000 | 5,903 |
| Average earning assets | $64,864,000 | 5,833 |
| Average equity | $8,167,400 | 5,662 |
| Average total loans | $52,584,200 | 5,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7888% | 1,429 |
| Cost of funding earning assets | 2.0442% | 653 |
| Net interest margin | 3.7446% | 4,208 |
| Noninterest income to average assets | 0.1589% | 6,727 |
| Noninterest expense to average assets | 2.2925% | 6,351 |
| Loan and lease loss provision to assets | 0.3294% | 3,959 |
| Net operating income to assets | 0.7810% | 3,083 |
| Return on assets (ROA) | 0.7810% | 3,243 |
| Pretax return on assets | 1.0193% | 3,114 |
| Return on Equity (ROE) | 6.7673% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.7673% | 1,958 |
| Net charge-offs to loans | 0.1898% | 4,814 |
| Credit loss provision to net charge-offs | 229.7297% | 1,497 |
| Earnings coverage of net charge-offs (x) | 9.4058% | 2,027 |
| Efficiency ratio | 62.9590% | 5,438 |
| Assets per employee ($millions) | 6.4325% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 7,391 |
| Loan loss allowance to noncurrent loans | 59.3625% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 5,587 |
| Noncurrent loans to loans | 0.9534% | 5,328 |
| Net loans and leases to total assets | 73.9902% | 1,806 |
| Net loans and leases to deposits | 102.0506% | 533 |
| Net loans and leases to core deposits | 110.1054% | 1,029 |
| Total domestic deposits to total assets | 72.5035% | 7,082 |
| Equity capital to assets | 12.7123% | 1,744 |
| Core capital (leverage) ratio | 12.5633% | 1,378 |
| Tier 1 risk-based capital ratio | 23.3505% | 1,020 |
| Total risk-based capital ratio | 24.1358% | 1,060 |
| Memoranda: | ||
| Average total assets | $68,803,000 | 5,978 |
| Average earning assets | $63,983,750 | 5,920 |
| Average equity | $7,940,000 | 5,808 |
| Average total loans | $51,973,500 | 5,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8695% | 1,253 |
| Cost of funding earning assets | 2.0904% | 681 |
| Net interest margin | 3.7792% | 3,995 |
| Noninterest income to average assets | 0.1643% | 6,726 |
| Noninterest expense to average assets | 2.1188% | 6,840 |
| Loan and lease loss provision to assets | 0.2201% | 4,692 |
| Net operating income to assets | 0.8510% | 2,726 |
| Return on assets (ROA) | 0.8510% | 2,878 |
| Pretax return on assets | 1.3323% | 2,001 |
| Return on Equity (ROE) | 7.6433% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.6433% | 1,579 |
| Net charge-offs to loans | 0.0966% | 5,180 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 21.1600% | 1,179 |
| Efficiency ratio | 57.7138% | 6,415 |
| Assets per employee ($millions) | 6.5397% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 7,529 |
| Loan loss allowance to noncurrent loans | 108.6207% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 6,607 |
| Noncurrent loans to loans | 0.4413% | 6,360 |
| Net loans and leases to total assets | 72.7359% | 2,222 |
| Net loans and leases to deposits | 101.4523% | 626 |
| Net loans and leases to core deposits | 109.4164% | 1,206 |
| Total domestic deposits to total assets | 71.6947% | 7,205 |
| Equity capital to assets | 12.2510% | 1,950 |
| Core capital (leverage) ratio | 12.0996% | 1,590 |
| Tier 1 risk-based capital ratio | 22.2836% | 1,162 |
| Total risk-based capital ratio | 22.9307% | 1,222 |
| Memoranda: | ||
| Average total assets | $68,151,330 | 6,033 |
| Average earning assets | $63,241,670 | 5,978 |
| Average equity | $7,588,330 | 5,930 |
| Average total loans | $51,747,330 | 5,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 992 |
| Cost of funding earning assets | 2.1738% | 642 |
| Net interest margin | 3.8204% | 3,702 |
| Noninterest income to average assets | 0.1449% | 6,937 |
| Noninterest expense to average assets | 2.1612% | 6,779 |
| Loan and lease loss provision to assets | 0.1811% | 4,712 |
| Net operating income to assets | 0.8150% | 2,898 |
| Return on assets (ROA) | 0.8150% | 2,997 |
| Pretax return on assets | 1.3462% | 1,918 |
| Return on Equity (ROE) | 7.7408% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.7408% | 1,819 |
| Net charge-offs to loans | 0.0545% | 4,859 |
| Credit loss provision to net charge-offs | 428.5714% | 966 |
| Earnings coverage of net charge-offs (x) | 36.1429% | 758 |
| Efficiency ratio | 58.5925% | 6,396 |
| Assets per employee ($millions) | 6.1150% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 7,660 |
| Loan loss allowance to noncurrent loans | 79.7153% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 6,422 |
| Noncurrent loans to loans | 0.5506% | 6,192 |
| Net loans and leases to total assets | 75.5371% | 1,636 |
| Net loans and leases to deposits | 103.5692% | 553 |
| Net loans and leases to core deposits | 108.9946% | 1,353 |
| Total domestic deposits to total assets | 72.9339% | 7,170 |
| Equity capital to assets | 10.4884% | 3,254 |
| Core capital (leverage) ratio | 10.3923% | 2,725 |
| Tier 1 risk-based capital ratio | 18.8339% | 1,758 |
| Total risk-based capital ratio | 19.4385% | 1,874 |
| Memoranda: | ||
| Average total assets | $66,258,500 | 6,161 |
| Average earning assets | $61,459,000 | 6,111 |
| Average equity | $6,976,000 | 6,198 |
| Average total loans | $51,333,000 | 5,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 1,939 |
| Cost of funding earning assets | 2.5210% | 980 |
| Net interest margin | 3.4606% | 5,126 |
| Noninterest income to average assets | 0.3082% | 5,880 |
| Noninterest expense to average assets | 2.1110% | 7,162 |
| Loan and lease loss provision to assets | 0.3307% | 4,833 |
| Net operating income to assets | 0.6957% | 2,948 |
| Return on assets (ROA) | 0.6967% | 3,018 |
| Pretax return on assets | 1.1317% | 2,155 |
| Return on Equity (ROE) | 6.4795% | 3,003 |
| Retained earnings to average equity (ytd only) | 6.4795% | 1,159 |
| Net charge-offs to loans | 0.2313% | 5,166 |
| Credit loss provision to net charge-offs | 180.7018% | 2,298 |
| Earnings coverage of net charge-offs (x) | 7.9825% | 2,025 |
| Efficiency ratio | 59.1011% | 6,609 |
| Assets per employee ($millions) | 5.9320% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3893% | 7,766 |
| Loan loss allowance to noncurrent loans | 120.3593% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,452 |
| Noncurrent loans to loans | 0.3234% | 6,634 |
| Net loans and leases to total assets | 78.8190% | 1,221 |
| Net loans and leases to deposits | 109.0818% | 414 |
| Net loans and leases to core deposits | 145.2566% | 635 |
| Total domestic deposits to total assets | 72.2568% | 7,221 |
| Equity capital to assets | 10.5698% | 3,107 |
| Core capital (leverage) ratio | 10.5001% | 2,607 |
| Tier 1 risk-based capital ratio | 18.4406% | 1,767 |
| Total risk-based capital ratio | 18.9823% | 1,919 |
| Memoranda: | ||
| Average total assets | $62,294,000 | 6,261 |
| Average earning assets | $58,747,000 | 6,185 |
| Average equity | $6,698,000 | 6,368 |
| Average total loans | $49,285,200 | 5,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 2,232 |
| Cost of funding earning assets | 2.5618% | 1,131 |
| Net interest margin | 3.3875% | 5,323 |
| Noninterest income to average assets | 0.3097% | 6,006 |
| Noninterest expense to average assets | 2.0166% | 7,352 |
| Loan and lease loss provision to assets | 0.3812% | 4,041 |
| Net operating income to assets | 0.6910% | 3,245 |
| Return on assets (ROA) | 0.6910% | 3,298 |
| Pretax return on assets | 1.1198% | 2,503 |
| Return on Equity (ROE) | 6.3975% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.3975% | 1,769 |
| Net charge-offs to loans | 0.3176% | 4,053 |
| Credit loss provision to net charge-offs | 151.7241% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.9743% | 2,694 |
| Efficiency ratio | 57.3276% | 6,822 |
| Assets per employee ($millions) | 5.8219% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3346% | 7,881 |
| Loan loss allowance to noncurrent loans | 40.8213% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,527 |
| Noncurrent loans to loans | 0.8198% | 5,659 |
| Net loans and leases to total assets | 78.5950% | 1,465 |
| Net loans and leases to deposits | 109.8039% | 470 |
| Net loans and leases to core deposits | 146.0833% | 684 |
| Total domestic deposits to total assets | 71.5776% | 7,265 |
| Equity capital to assets | 10.6026% | 3,397 |
| Core capital (leverage) ratio | 10.5210% | 2,776 |
| Tier 1 risk-based capital ratio | 18.8010% | 1,797 |
| Total risk-based capital ratio | 19.2733% | 1,929 |
| Memoranda: | ||
| Average total assets | $61,554,500 | 6,331 |
| Average earning assets | $58,291,500 | 6,243 |
| Average equity | $6,648,250 | 6,433 |
| Average total loans | $48,698,500 | 5,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 2,430 |
| Cost of funding earning assets | 2.5981% | 1,287 |
| Net interest margin | 3.3385% | 5,408 |
| Noninterest income to average assets | 0.3129% | 6,006 |
| Noninterest expense to average assets | 1.9563% | 7,542 |
| Loan and lease loss provision to assets | 0.0856% | 6,320 |
| Net operating income to assets | 0.9288% | 2,348 |
| Return on assets (ROA) | 0.9288% | 2,439 |
| Pretax return on assets | 1.4491% | 1,592 |
| Return on Equity (ROE) | 8.5442% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.5442% | 1,056 |
| Net charge-offs to loans | 0.0624% | 5,623 |
| Credit loss provision to net charge-offs | 173.3333% | 2,652 |
| Earnings coverage of net charge-offs (x) | 31.0667% | 976 |
| Efficiency ratio | 56.0377% | 7,118 |
| Assets per employee ($millions) | 6.9526% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2370% | 8,043 |
| Loan loss allowance to noncurrent loans | 34.8837% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 6,046 |
| Noncurrent loans to loans | 0.6794% | 5,890 |
| Net loans and leases to total assets | 80.7217% | 1,184 |
| Net loans and leases to deposits | 113.3299% | 430 |
| Net loans and leases to core deposits | 146.4567% | 738 |
| Total domestic deposits to total assets | 71.2272% | 7,337 |
| Equity capital to assets | 10.7682% | 3,147 |
| Core capital (leverage) ratio | 10.7054% | 2,661 |
| Tier 1 risk-based capital ratio | 19.5284% | 1,672 |
| Total risk-based capital ratio | 20.0887% | 1,765 |
| Memoranda: | ||
| Average total assets | $60,725,670 | 6,424 |
| Average earning assets | $57,811,000 | 6,323 |
| Average equity | $6,601,000 | 6,499 |
| Average total loans | $48,097,330 | 5,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 2,595 |
| Cost of funding earning assets | 2.6600% | 1,375 |
| Net interest margin | 3.2830% | 5,557 |
| Noninterest income to average assets | 0.2341% | 6,589 |
| Noninterest expense to average assets | 1.8662% | 7,616 |
| Loan and lease loss provision to assets | 0.0401% | 6,464 |
| Net operating income to assets | 0.9431% | 2,535 |
| Return on assets (ROA) | 0.9431% | 2,666 |
| Pretax return on assets | 1.4648% | 1,767 |
| Return on Equity (ROE) | 8.6338% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.6338% | 1,589 |
| Net charge-offs to loans | 0.1281% | 3,937 |
| Credit loss provision to net charge-offs | 40.0000% | 4,820 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,631 |
| Efficiency ratio | 55.3571% | 7,061 |
| Assets per employee ($millions) | 6.7583% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2125% | 8,100 |
| Loan loss allowance to noncurrent loans | 39.8406% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 6,261 |
| Noncurrent loans to loans | 0.5334% | 6,083 |
| Net loans and leases to total assets | 77.1952% | 1,992 |
| Net loans and leases to deposits | 109.2614% | 653 |
| Net loans and leases to core deposits | 141.2533% | 1,052 |
| Total domestic deposits to total assets | 70.6519% | 7,371 |
| Equity capital to assets | 10.8755% | 3,099 |
| Core capital (leverage) ratio | 10.7863% | 2,665 |
| Tier 1 risk-based capital ratio | 20.3733% | 1,552 |
| Total risk-based capital ratio | 20.9953% | 1,622 |
| Memoranda: | ||
| Average total assets | $59,802,000 | 6,483 |
| Average earning assets | $57,143,500 | 6,370 |
| Average equity | $6,532,500 | 6,574 |
| Average total loans | $46,831,000 | 5,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 5,299 |
| Cost of funding earning assets | 3.1289% | 1,421 |
| Net interest margin | 2.9210% | 7,106 |
| Noninterest income to average assets | 0.2451% | 6,688 |
| Noninterest expense to average assets | 1.9743% | 7,490 |
| Loan and lease loss provision to assets | 0.1048% | 6,036 |
| Net operating income to assets | 0.5919% | 4,338 |
| Return on assets (ROA) | 0.6194% | 4,082 |
| Pretax return on assets | 0.9956% | 3,396 |
| Return on Equity (ROE) | 5.3385% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.3385% | 1,840 |
| Net charge-offs to loans | 0.0639% | 5,862 |
| Credit loss provision to net charge-offs | 215.3846% | 2,240 |
| Earnings coverage of net charge-offs (x) | 21.7308% | 1,513 |
| Efficiency ratio | 65.1235% | 5,296 |
| Assets per employee ($millions) | 6.5310% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2339% | 8,136 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 7,121 |
| Noncurrent loans to loans | 0.1438% | 6,981 |
| Net loans and leases to total assets | 79.1082% | 1,861 |
| Net loans and leases to deposits | 113.2713% | 654 |
| Net loans and leases to core deposits | 145.3094% | 1,036 |
| Total domestic deposits to total assets | 69.8396% | 7,294 |
| Equity capital to assets | 10.9733% | 3,065 |
| Core capital (leverage) ratio | 10.9164% | 2,656 |
| Tier 1 risk-based capital ratio | 21.0530% | 1,453 |
| Total risk-based capital ratio | 21.5424% | 1,537 |
| Memoranda: | ||
| Average total assets | $53,437,600 | 6,641 |
| Average earning assets | $50,976,200 | 6,556 |
| Average equity | $6,200,200 | 6,737 |
| Average total loans | $40,699,000 | 6,138 |