Home > First National Bank of Colorado City > Performance and Condition Ratios
First National Bank of Colorado City, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1743% | 6,314 |
| Cost of funding earning assets | 0.1063% | 6,182 |
| Net interest margin | 2.0680% | 6,253 |
| Noninterest income to average assets | 0.5435% | 3,002 |
| Noninterest expense to average assets | 2.5864% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0281% | 6,042 |
| Return on assets (ROA) | -0.0281% | 6,076 |
| Pretax return on assets | -0.0375% | 6,079 |
| Return on Equity (ROE) | -0.3190% | 6,085 |
| Retained earnings to average equity (ytd only) | -0.3190% | 5,440 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4706% | 334 |
| Assets per employee ($millions) | 4.3667% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 5,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 22.6876% | 6,237 |
| Net loans and leases to deposits | 24.9132% | 6,265 |
| Net loans and leases to core deposits | 27.8984% | 6,235 |
| Total domestic deposits to total assets | 91.0665% | 344 |
| Equity capital to assets | 8.6129% | 5,651 |
| Core capital (leverage) ratio | 8.6555% | 5,371 |
| Tier 1 risk-based capital ratio | 32.4455% | 446 |
| Total risk-based capital ratio | 33.0144% | 465 |
| Memoranda: | ||
| Average total assets | $42,684,000 | 5,899 |
| Average earning assets | $41,392,000 | 5,832 |
| Average equity | $3,761,500 | 6,095 |
| Average total loans | $10,692,000 | 6,213 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6710% | 6,274 |
| Cost of funding earning assets | 0.1102% | 6,299 |
| Net interest margin | 2.5608% | 6,104 |
| Noninterest income to average assets | 0.6379% | 2,630 |
| Noninterest expense to average assets | 2.7175% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2811% | 5,565 |
| Return on assets (ROA) | 0.2904% | 5,610 |
| Pretax return on assets | 0.4045% | 5,475 |
| Return on Equity (ROE) | 3.0734% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.0734% | 4,053 |
| Net charge-offs to loans | 0.0170% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 668 |
| Efficiency ratio | 87.4062% | 1,045 |
| Assets per employee ($millions) | 4.1701% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 6,170 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,713 |
| Noncurrent loans to loans | 0.2892% | 4,813 |
| Net loans and leases to total assets | 27.2056% | 6,252 |
| Net loans and leases to deposits | 29.9886% | 6,298 |
| Net loans and leases to core deposits | 33.7890% | 6,243 |
| Total domestic deposits to total assets | 90.7196% | 457 |
| Equity capital to assets | 9.0214% | 5,262 |
| Core capital (leverage) ratio | 10.1848% | 3,329 |
| Tier 1 risk-based capital ratio | 33.0609% | 397 |
| Total risk-based capital ratio | 33.6348% | 413 |
| Memoranda: | ||
| Average total assets | $38,564,200 | 6,067 |
| Average earning assets | $37,214,400 | 6,011 |
| Average equity | $3,644,200 | 6,157 |
| Average total loans | $11,774,200 | 6,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7904% | 6,286 |
| Cost of funding earning assets | 0.1172% | 6,352 |
| Net interest margin | 2.6732% | 6,037 |
| Noninterest income to average assets | 0.6564% | 2,545 |
| Noninterest expense to average assets | 2.6469% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4009% | 5,246 |
| Return on assets (ROA) | 0.4129% | 5,276 |
| Pretax return on assets | 0.6035% | 5,015 |
| Return on Equity (ROE) | 4.3157% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.3157% | 3,582 |
| Net charge-offs to loans | 0.0112% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 166.4135% | 376 |
| Efficiency ratio | 81.8777% | 1,637 |
| Assets per employee ($millions) | 3.6379% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 6,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 32.0295% | 6,181 |
| Net loans and leases to deposits | 35.7939% | 6,250 |
| Net loans and leases to core deposits | 42.6844% | 6,098 |
| Total domestic deposits to total assets | 89.4829% | 987 |
| Equity capital to assets | 10.1899% | 3,943 |
| Core capital (leverage) ratio | 10.6894% | 2,830 |
| Tier 1 risk-based capital ratio | 36.4437% | 312 |
| Total risk-based capital ratio | 37.0849% | 327 |
| Memoranda: | ||
| Average total assets | $37,780,000 | 6,163 |
| Average earning assets | $36,409,750 | 6,100 |
| Average equity | $3,614,750 | 6,232 |
| Average total loans | $11,865,000 | 6,325 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7445% | 6,371 |
| Cost of funding earning assets | 0.1193% | 6,414 |
| Net interest margin | 2.6252% | 6,142 |
| Noninterest income to average assets | 0.6432% | 2,585 |
| Noninterest expense to average assets | 2.5832% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4043% | 5,207 |
| Return on assets (ROA) | 0.4079% | 5,272 |
| Pretax return on assets | 0.5961% | 4,969 |
| Return on Equity (ROE) | 4.3527% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.3527% | 3,405 |
| Net charge-offs to loans | 0.0336% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 840 |
| Efficiency ratio | 81.3839% | 1,825 |
| Assets per employee ($millions) | 3.6176% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 6,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 31.9881% | 6,242 |
| Net loans and leases to deposits | 35.7558% | 6,297 |
| Net loans and leases to core deposits | 41.1683% | 6,184 |
| Total domestic deposits to total assets | 89.4626% | 1,110 |
| Equity capital to assets | 10.1697% | 3,874 |
| Core capital (leverage) ratio | 9.8312% | 3,844 |
| Tier 1 risk-based capital ratio | 36.6385% | 309 |
| Total risk-based capital ratio | 37.2801% | 315 |
| Memoranda: | ||
| Average total assets | $38,247,000 | 6,212 |
| Average earning assets | $36,874,000 | 6,151 |
| Average equity | $3,584,000 | 6,288 |
| Average total loans | $11,913,670 | 6,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5647% | 6,531 |
| Cost of funding earning assets | 0.1372% | 6,415 |
| Net interest margin | 2.4275% | 6,398 |
| Noninterest income to average assets | 0.6415% | 2,508 |
| Noninterest expense to average assets | 2.4846% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3462% | 5,327 |
| Return on assets (ROA) | 0.3462% | 5,388 |
| Pretax return on assets | 0.4989% | 5,173 |
| Return on Equity (ROE) | 3.8456% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.8456% | 3,818 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2765% | 1,757 |
| Assets per employee ($millions) | 4.0015% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 6,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.1791% | 6,386 |
| Net loans and leases to deposits | 32.0849% | 6,436 |
| Net loans and leases to core deposits | 36.3331% | 6,356 |
| Total domestic deposits to total assets | 90.9434% | 594 |
| Equity capital to assets | 8.8242% | 5,303 |
| Core capital (leverage) ratio | 9.2712% | 4,617 |
| Tier 1 risk-based capital ratio | 34.3065% | 370 |
| Total risk-based capital ratio | 34.9328% | 388 |
| Memoranda: | ||
| Average total assets | $39,282,500 | 6,252 |
| Average earning assets | $37,899,500 | 6,175 |
| Average equity | $3,536,500 | 6,341 |
| Average total loans | $12,051,500 | 6,441 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5151% | 6,611 |
| Cost of funding earning assets | 0.1336% | 6,596 |
| Net interest margin | 2.3815% | 6,466 |
| Noninterest income to average assets | 0.5628% | 3,312 |
| Noninterest expense to average assets | 2.7451% | 3,927 |
| Loan and lease loss provision to assets | 0.0296% | 4,517 |
| Net operating income to assets | -0.1074% | 6,305 |
| Return on assets (ROA) | 0.0444% | 6,186 |
| Pretax return on assets | 0.0592% | 6,145 |
| Return on Equity (ROE) | 0.4878% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.4878% | 5,622 |
| Net charge-offs to loans | 0.1154% | 3,654 |
| Credit loss provision to net charge-offs | 85.7143% | 2,880 |
| Earnings coverage of net charge-offs (x) | -3.2857% | 5,360 |
| Efficiency ratio | 104.3152% | 365 |
| Assets per employee ($millions) | 3.8550% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5502% | 6,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.8833% | 6,390 |
| Net loans and leases to deposits | 35.2117% | 6,456 |
| Net loans and leases to core deposits | 40.0998% | 6,362 |
| Total domestic deposits to total assets | 90.5473% | 783 |
| Equity capital to assets | 9.1881% | 4,817 |
| Core capital (leverage) ratio | 10.1630% | 3,344 |
| Tier 1 risk-based capital ratio | 30.9732% | 465 |
| Total risk-based capital ratio | 31.5436% | 485 |
| Memoranda: | ||
| Average total assets | $40,508,200 | 6,274 |
| Average earning assets | $35,188,000 | 6,312 |
| Average equity | $3,690,000 | 6,395 |
| Average total loans | $12,128,200 | 6,514 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5045% | 6,693 |
| Cost of funding earning assets | 0.1347% | 6,687 |
| Net interest margin | 2.3698% | 6,540 |
| Noninterest income to average assets | 0.5333% | 3,569 |
| Noninterest expense to average assets | 2.6505% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0574% | 6,344 |
| Return on assets (ROA) | -0.0553% | 6,380 |
| Pretax return on assets | -0.1106% | 6,408 |
| Return on Equity (ROE) | -0.6083% | 6,393 |
| Retained earnings to average equity (ytd only) | -0.6083% | 6,062 |
| Net charge-offs to loans | 0.0110% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -35.0902% | 5,194 |
| Efficiency ratio | 104.4872% | 357 |
| Assets per employee ($millions) | 3.4973% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 6,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 34.7668% | 6,330 |
| Net loans and leases to deposits | 38.7451% | 6,420 |
| Net loans and leases to core deposits | 44.8225% | 6,258 |
| Total domestic deposits to total assets | 89.7321% | 1,150 |
| Equity capital to assets | 9.9877% | 3,919 |
| Core capital (leverage) ratio | 10.7132% | 2,773 |
| Tier 1 risk-based capital ratio | 27.5189% | 664 |
| Total risk-based capital ratio | 28.0366% | 709 |
| Memoranda: | ||
| Average total assets | $40,997,750 | 6,333 |
| Average earning assets | $34,657,500 | 6,397 |
| Average equity | $3,727,000 | 6,461 |
| Average total loans | $12,070,500 | 6,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3150% | 6,794 |
| Cost of funding earning assets | 0.1396% | 6,737 |
| Net interest margin | 2.1753% | 6,695 |
| Noninterest income to average assets | 0.4883% | 3,907 |
| Noninterest expense to average assets | 2.5159% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0837% | 6,394 |
| Return on assets (ROA) | -0.0837% | 6,441 |
| Pretax return on assets | -0.1442% | 6,461 |
| Return on Equity (ROE) | -0.9461% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.9461% | 6,039 |
| Net charge-offs to loans | 0.0166% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -31.0000% | 4,892 |
| Efficiency ratio | 106.0784% | 350 |
| Assets per employee ($millions) | 3.5742% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 6,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 34.0132% | 6,412 |
| Net loans and leases to deposits | 38.1695% | 6,479 |
| Net loans and leases to core deposits | 38.4776% | 6,524 |
| Total domestic deposits to total assets | 89.1108% | 1,562 |
| Equity capital to assets | 10.3632% | 3,477 |
| Core capital (leverage) ratio | 8.7188% | 5,392 |
| Tier 1 risk-based capital ratio | 29.2975% | 557 |
| Total risk-based capital ratio | 29.8490% | 584 |
| Memoranda: | ||
| Average total assets | $43,006,000 | 6,314 |
| Average earning assets | $37,236,000 | 6,366 |
| Average equity | $3,805,000 | 6,496 |
| Average total loans | $12,018,000 | 6,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2839% | 6,872 |
| Cost of funding earning assets | 0.1453% | 6,811 |
| Net interest margin | 2.1386% | 6,795 |
| Noninterest income to average assets | 0.4288% | 4,258 |
| Noninterest expense to average assets | 2.1442% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0515% | 6,245 |
| Return on assets (ROA) | 0.0515% | 6,332 |
| Pretax return on assets | 0.0515% | 6,336 |
| Return on Equity (ROE) | 0.6225% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.6225% | 5,582 |
| Net charge-offs to loans | 0.0336% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,287 |
| Efficiency ratio | 97.6563% | 650 |
| Assets per employee ($millions) | 4.7229% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 6,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 24.2415% | 6,767 |
| Net loans and leases to deposits | 26.5343% | 6,811 |
| Net loans and leases to core deposits | 26.6920% | 6,831 |
| Total domestic deposits to total assets | 91.3591% | 393 |
| Equity capital to assets | 8.0925% | 6,333 |
| Core capital (leverage) ratio | 7.6223% | 6,406 |
| Tier 1 risk-based capital ratio | 33.0618% | 412 |
| Total risk-based capital ratio | 33.6795% | 426 |
| Memoranda: | ||
| Average total assets | $46,638,000 | 6,278 |
| Average earning assets | $38,530,500 | 6,382 |
| Average equity | $3,855,500 | 6,547 |
| Average total loans | $11,914,000 | 6,699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5401% | 6,924 |
| Cost of funding earning assets | 0.2053% | 6,824 |
| Net interest margin | 2.3348% | 6,820 |
| Noninterest income to average assets | 0.4642% | 4,145 |
| Noninterest expense to average assets | 2.2199% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1366% | 5,919 |
| Return on assets (ROA) | 0.2342% | 5,884 |
| Pretax return on assets | 0.3761% | 5,637 |
| Return on Equity (ROE) | 2.8304% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.8304% | 4,245 |
| Net charge-offs to loans | 0.0074% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 372 |
| Efficiency ratio | 90.8531% | 999 |
| Assets per employee ($millions) | 4.6047% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 6,793 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,315 |
| Noncurrent loans to loans | 0.4062% | 5,470 |
| Net loans and leases to total assets | 26.5815% | 6,795 |
| Net loans and leases to deposits | 29.2312% | 6,847 |
| Net loans and leases to core deposits | 29.4104% | 6,860 |
| Total domestic deposits to total assets | 90.9353% | 523 |
| Equity capital to assets | 8.4457% | 6,087 |
| Core capital (leverage) ratio | 9.0074% | 4,887 |
| Tier 1 risk-based capital ratio | 32.0379% | 429 |
| Total risk-based capital ratio | 32.6465% | 446 |
| Memoranda: | ||
| Average total assets | $46,533,200 | 6,310 |
| Average earning assets | $39,446,800 | 6,379 |
| Average equity | $3,851,000 | 6,602 |
| Average total loans | $13,441,800 | 6,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7876% | 6,973 |
| Cost of funding earning assets | 0.2375% | 6,856 |
| Net interest margin | 2.5500% | 6,791 |
| Noninterest income to average assets | 0.4773% | 4,082 |
| Noninterest expense to average assets | 2.0976% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4113% | 5,199 |
| Return on assets (ROA) | 0.3887% | 5,510 |
| Pretax return on assets | 0.4401% | 5,622 |
| Return on Equity (ROE) | 4.7203% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.7203% | 3,582 |
| Net charge-offs to loans | 0.0097% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 163.4060% | 271 |
| Efficiency ratio | 81.8283% | 1,829 |
| Assets per employee ($millions) | 4.1536% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 6,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.7291% | 6,759 |
| Net loans and leases to deposits | 35.3913% | 6,829 |
| Net loans and leases to core deposits | 35.6353% | 6,864 |
| Total domestic deposits to total assets | 89.6523% | 1,045 |
| Equity capital to assets | 9.5074% | 5,199 |
| Core capital (leverage) ratio | 7.7236% | 6,514 |
| Tier 1 risk-based capital ratio | 32.8751% | 412 |
| Total risk-based capital ratio | 33.5000% | 425 |
| Memoranda: | ||
| Average total assets | $46,654,750 | 6,377 |
| Average earning assets | $38,168,500 | 6,502 |
| Average equity | $3,841,500 | 6,683 |
| Average total loans | $13,724,750 | 6,797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7249% | 7,069 |
| Cost of funding earning assets | 0.2515% | 6,908 |
| Net interest margin | 2.4735% | 6,913 |
| Noninterest income to average assets | 0.4715% | 4,121 |
| Noninterest expense to average assets | 2.0016% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3184% | 5,554 |
| Return on assets (ROA) | 0.3184% | 5,758 |
| Pretax return on assets | 0.4632% | 5,538 |
| Return on Equity (ROE) | 4.0466% | 5,243 |
| Retained earnings to average equity (ytd only) | 4.0466% | 3,915 |
| Net charge-offs to loans | 0.0144% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 387 |
| Efficiency ratio | 81.2081% | 2,002 |
| Assets per employee ($millions) | 6.0359% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 7,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.1974% | 7,001 |
| Net loans and leases to deposits | 27.2653% | 7,052 |
| Net loans and leases to core deposits | 27.4040% | 7,066 |
| Total domestic deposits to total assets | 92.4157% | 168 |
| Equity capital to assets | 7.0118% | 6,909 |
| Core capital (leverage) ratio | 7.0452% | 6,808 |
| Tier 1 risk-based capital ratio | 27.7637% | 662 |
| Total risk-based capital ratio | 28.3000% | 711 |
| Memoranda: | ||
| Average total assets | $48,361,000 | 6,371 |
| Average earning assets | $38,973,670 | 6,512 |
| Average equity | $3,805,670 | 6,728 |
| Average total loans | $13,883,330 | 6,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8227% | 7,101 |
| Cost of funding earning assets | 0.2683% | 6,955 |
| Net interest margin | 2.5544% | 6,915 |
| Noninterest income to average assets | 0.5024% | 3,894 |
| Noninterest expense to average assets | 2.0802% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3526% | 5,464 |
| Return on assets (ROA) | 0.3526% | 5,640 |
| Pretax return on assets | 0.5201% | 5,365 |
| Return on Equity (ROE) | 4.2061% | 5,197 |
| Retained earnings to average equity (ytd only) | 4.2061% | 4,067 |
| Net charge-offs to loans | 0.0287% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 560 |
| Efficiency ratio | 80.0000% | 2,204 |
| Assets per employee ($millions) | 5.3348% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 7,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.3358% | 6,934 |
| Net loans and leases to deposits | 32.1157% | 7,008 |
| Net loans and leases to core deposits | 32.3028% | 7,034 |
| Total domestic deposits to total assets | 91.3440% | 425 |
| Equity capital to assets | 7.9354% | 6,564 |
| Core capital (leverage) ratio | 7.6093% | 6,563 |
| Tier 1 risk-based capital ratio | 31.7129% | 446 |
| Total risk-based capital ratio | 32.3316% | 479 |
| Memoranda: | ||
| Average total assets | $45,380,000 | 6,498 |
| Average earning assets | $37,269,500 | 6,630 |
| Average equity | $3,804,000 | 6,775 |
| Average total loans | $13,946,000 | 6,905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0802% | 7,157 |
| Cost of funding earning assets | 0.2912% | 7,120 |
| Net interest margin | 2.7890% | 6,833 |
| Noninterest income to average assets | 0.5524% | 3,488 |
| Noninterest expense to average assets | 2.3915% | 5,796 |
| Loan and lease loss provision to assets | 0.0283% | 6,217 |
| Net operating income to assets | 0.4084% | 4,823 |
| Return on assets (ROA) | 0.4084% | 5,009 |
| Pretax return on assets | 0.4840% | 5,038 |
| Return on Equity (ROE) | 4.7234% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.7234% | 2,838 |
| Net charge-offs to loans | 0.1170% | 5,211 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 14.4667% | 1,456 |
| Efficiency ratio | 82.3577% | 1,971 |
| Assets per employee ($millions) | 4.7497% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 7,092 |
| Loan loss allowance to noncurrent loans | 284.0000% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,806 |
| Noncurrent loans to loans | 0.1820% | 6,382 |
| Net loans and leases to total assets | 31.9695% | 6,944 |
| Net loans and leases to deposits | 35.3840% | 7,016 |
| Net loans and leases to core deposits | 35.6173% | 7,044 |
| Total domestic deposits to total assets | 90.3502% | 790 |
| Equity capital to assets | 8.8848% | 5,692 |
| Core capital (leverage) ratio | 8.2412% | 5,937 |
| Tier 1 risk-based capital ratio | 31.2627% | 461 |
| Total risk-based capital ratio | 31.8883% | 475 |
| Memoranda: | ||
| Average total assets | $42,359,000 | 6,590 |
| Average earning assets | $35,712,200 | 6,688 |
| Average equity | $3,662,600 | 6,837 |
| Average total loans | $12,822,000 | 6,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 7,242 |
| Cost of funding earning assets | 0.3004% | 7,210 |
| Net interest margin | 2.7700% | 6,921 |
| Noninterest income to average assets | 0.5616% | 3,436 |
| Noninterest expense to average assets | 2.3220% | 5,974 |
| Loan and lease loss provision to assets | 0.0158% | 6,234 |
| Net operating income to assets | 0.3943% | 5,027 |
| Return on assets (ROA) | 0.3943% | 5,207 |
| Pretax return on assets | 0.5805% | 4,880 |
| Return on Equity (ROE) | 4.5928% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.5928% | 3,453 |
| Net charge-offs to loans | 0.1694% | 4,438 |
| Credit loss provision to net charge-offs | 31.2500% | 5,396 |
| Earnings coverage of net charge-offs (x) | 11.8139% | 1,780 |
| Efficiency ratio | 79.5676% | 2,326 |
| Assets per employee ($millions) | 4.1481% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4724% | 7,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 32.0002% | 7,029 |
| Net loans and leases to deposits | 35.6158% | 7,084 |
| Net loans and leases to core deposits | 35.8592% | 7,122 |
| Total domestic deposits to total assets | 89.8484% | 950 |
| Equity capital to assets | 9.1343% | 5,604 |
| Core capital (leverage) ratio | 8.2254% | 6,100 |
| Tier 1 risk-based capital ratio | 29.3083% | 583 |
| Total risk-based capital ratio | 29.8359% | 608 |
| Memoranda: | ||
| Average total assets | $42,262,000 | 6,651 |
| Average earning assets | $35,955,500 | 6,738 |
| Average equity | $3,628,750 | 6,901 |
| Average total loans | $12,593,250 | 7,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9003% | 7,363 |
| Cost of funding earning assets | 0.3004% | 7,307 |
| Net interest margin | 2.5999% | 7,120 |
| Noninterest income to average assets | 0.5550% | 3,435 |
| Noninterest expense to average assets | 2.2953% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3433% | 5,200 |
| Return on assets (ROA) | 0.3433% | 5,335 |
| Pretax return on assets | 0.4986% | 5,078 |
| Return on Equity (ROE) | 4.0835% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.0835% | 3,599 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1549% | 2,078 |
| Assets per employee ($millions) | 4.3143% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 7,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 30.3131% | 7,170 |
| Net loans and leases to deposits | 33.4536% | 7,236 |
| Net loans and leases to core deposits | 33.6706% | 7,262 |
| Total domestic deposits to total assets | 90.6126% | 672 |
| Equity capital to assets | 8.5275% | 6,151 |
| Core capital (leverage) ratio | 7.7429% | 6,552 |
| Tier 1 risk-based capital ratio | 28.7262% | 613 |
| Total risk-based capital ratio | 29.3427% | 642 |
| Memoranda: | ||
| Average total assets | $42,522,330 | 6,699 |
| Average earning assets | $36,616,330 | 6,776 |
| Average equity | $3,575,330 | 6,962 |
| Average total loans | $12,345,330 | 7,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7519% | 7,450 |
| Cost of funding earning assets | 0.3271% | 7,356 |
| Net interest margin | 2.4248% | 7,244 |
| Noninterest income to average assets | 0.5686% | 3,379 |
| Noninterest expense to average assets | 2.3027% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2274% | 5,692 |
| Return on assets (ROA) | 0.2274% | 5,759 |
| Pretax return on assets | 0.3032% | 5,640 |
| Return on Equity (ROE) | 2.7246% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.7246% | 4,538 |
| Net charge-offs to loans | -0.0335% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3636% | 1,469 |
| Assets per employee ($millions) | 5.6853% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 7,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 25.3991% | 7,353 |
| Net loans and leases to deposits | 27.7539% | 7,393 |
| Net loans and leases to core deposits | 27.9229% | 7,404 |
| Total domestic deposits to total assets | 91.5153% | 413 |
| Equity capital to assets | 7.7745% | 6,696 |
| Core capital (leverage) ratio | 7.3735% | 6,813 |
| Tier 1 risk-based capital ratio | 28.1222% | 625 |
| Total risk-based capital ratio | 28.7429% | 649 |
| Memoranda: | ||
| Average total assets | $42,212,000 | 6,752 |
| Average earning assets | $35,466,500 | 6,862 |
| Average equity | $3,523,500 | 7,007 |
| Average total loans | $11,942,000 | 7,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 7,375 |
| Cost of funding earning assets | 0.3555% | 7,466 |
| Net interest margin | 3.1804% | 6,314 |
| Noninterest income to average assets | 0.6484% | 3,161 |
| Noninterest expense to average assets | 2.6790% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4573% | 4,279 |
| Return on assets (ROA) | 0.4573% | 4,449 |
| Pretax return on assets | 0.6045% | 4,309 |
| Return on Equity (ROE) | 5.1041% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.1041% | 2,355 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5893% | 2,215 |
| Assets per employee ($millions) | 4.8678% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 7,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 31.2850% | 7,310 |
| Net loans and leases to deposits | 34.6817% | 7,378 |
| Net loans and leases to core deposits | 34.6817% | 7,410 |
| Total domestic deposits to total assets | 90.2059% | 986 |
| Equity capital to assets | 9.0160% | 5,118 |
| Core capital (leverage) ratio | 8.8919% | 4,710 |
| Tier 1 risk-based capital ratio | 28.7405% | 555 |
| Total risk-based capital ratio | 29.3707% | 582 |
| Memoranda: | ||
| Average total assets | $38,707,800 | 6,911 |
| Average earning assets | $32,071,400 | 7,017 |
| Average equity | $3,467,800 | 7,141 |
| Average total loans | $9,626,600 | 7,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 7,494 |
| Cost of funding earning assets | 0.3525% | 7,605 |
| Net interest margin | 3.2474% | 6,181 |
| Noninterest income to average assets | 0.6451% | 3,150 |
| Noninterest expense to average assets | 2.5976% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5588% | 4,057 |
| Return on assets (ROA) | 0.5588% | 4,224 |
| Pretax return on assets | 0.7486% | 4,086 |
| Return on Equity (ROE) | 6.2479% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.2479% | 2,234 |
| Net charge-offs to loans | -0.0148% | 7,316 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6289% | 2,673 |
| Assets per employee ($millions) | 4.2291% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6246% | 7,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 31.3515% | 7,430 |
| Net loans and leases to deposits | 34.9613% | 7,493 |
| Net loans and leases to core deposits | 34.9613% | 7,518 |
| Total domestic deposits to total assets | 89.6747% | 1,031 |
| Equity capital to assets | 9.3059% | 5,130 |
| Core capital (leverage) ratio | 8.7298% | 5,136 |
| Tier 1 risk-based capital ratio | 29.7214% | 528 |
| Total risk-based capital ratio | 30.3848% | 546 |
| Memoranda: | ||
| Average total assets | $38,649,250 | 6,994 |
| Average earning assets | $32,148,000 | 7,093 |
| Average equity | $3,457,000 | 7,237 |
| Average total loans | $8,969,000 | 7,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 7,523 |
| Cost of funding earning assets | 0.3500% | 7,688 |
| Net interest margin | 3.3688% | 5,761 |
| Noninterest income to average assets | 0.5972% | 3,353 |
| Noninterest expense to average assets | 2.5640% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5355% | 4,172 |
| Return on assets (ROA) | 0.5355% | 4,318 |
| Pretax return on assets | 0.8083% | 3,852 |
| Return on Equity (ROE) | 6.0665% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.0665% | 2,298 |
| Net charge-offs to loans | -0.0251% | 7,322 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0305% | 3,072 |
| Assets per employee ($millions) | 4.3219% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,628 |
| Loan loss allowance to noncurrent loans | 241.9355% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,198 |
| Noncurrent loans to loans | 0.3887% | 6,459 |
| Net loans and leases to total assets | 20.3100% | 7,684 |
| Net loans and leases to deposits | 22.5515% | 7,713 |
| Net loans and leases to core deposits | 22.5515% | 7,711 |
| Total domestic deposits to total assets | 90.0609% | 898 |
| Equity capital to assets | 8.9518% | 5,520 |
| Core capital (leverage) ratio | 8.3464% | 5,676 |
| Tier 1 risk-based capital ratio | 31.6587% | 433 |
| Total risk-based capital ratio | 32.3778% | 445 |
| Memoranda: | ||
| Average total assets | $38,845,000 | 7,034 |
| Average earning assets | $31,999,670 | 7,159 |
| Average equity | $3,428,670 | 7,288 |
| Average total loans | $7,956,000 | 7,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 7,651 |
| Cost of funding earning assets | 0.3599% | 7,789 |
| Net interest margin | 3.3009% | 5,968 |
| Noninterest income to average assets | 0.5770% | 3,439 |
| Noninterest expense to average assets | 2.4833% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5461% | 4,153 |
| Return on assets (ROA) | 0.5461% | 4,287 |
| Pretax return on assets | 0.8346% | 3,728 |
| Return on Equity (ROE) | 6.2316% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.2316% | 2,506 |
| Net charge-offs to loans | -0.0503% | 7,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8447% | 3,433 |
| Assets per employee ($millions) | 4.0579% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 6,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 18.5958% | 7,804 |
| Net loans and leases to deposits | 20.5289% | 7,830 |
| Net loans and leases to core deposits | 20.5289% | 7,822 |
| Total domestic deposits to total assets | 90.5838% | 701 |
| Equity capital to assets | 8.4379% | 6,090 |
| Core capital (leverage) ratio | 7.9562% | 6,302 |
| Tier 1 risk-based capital ratio | 30.6741% | 494 |
| Total risk-based capital ratio | 31.3822% | 507 |
| Memoranda: | ||
| Average total assets | $38,819,000 | 7,127 |
| Average earning assets | $32,233,500 | 7,240 |
| Average equity | $3,402,000 | 7,371 |
| Average total loans | $7,946,500 | 7,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 7,771 |
| Cost of funding earning assets | 0.4532% | 7,858 |
| Net interest margin | 3.3080% | 5,708 |
| Noninterest income to average assets | 0.6270% | 3,448 |
| Noninterest expense to average assets | 2.7624% | 5,116 |
| Loan and lease loss provision to assets | 0.0077% | 7,392 |
| Net operating income to assets | 0.4831% | 3,800 |
| Return on assets (ROA) | 0.4831% | 3,896 |
| Pretax return on assets | 0.6707% | 3,682 |
| Return on Equity (ROE) | 5.8783% | 3,263 |
| Retained earnings to average equity (ytd only) | 5.8783% | 1,398 |
| Net charge-offs to loans | 0.0475% | 6,628 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 409 |
| Efficiency ratio | 80.2838% | 2,845 |
| Assets per employee ($millions) | 3.7059% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 22.1215% | 7,838 |
| Net loans and leases to deposits | 24.6053% | 7,874 |
| Net loans and leases to core deposits | 25.6220% | 7,893 |
| Total domestic deposits to total assets | 89.9053% | 1,011 |
| Equity capital to assets | 9.1206% | 4,954 |
| Core capital (leverage) ratio | 8.5701% | 5,154 |
| Tier 1 risk-based capital ratio | 30.4679% | 497 |
| Total risk-based capital ratio | 31.1732% | 511 |
| Memoranda: | ||
| Average total assets | $38,915,800 | 7,138 |
| Average earning assets | $33,101,600 | 7,225 |
| Average equity | $3,198,200 | 7,533 |
| Average total loans | $8,424,600 | 7,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 7,895 |
| Cost of funding earning assets | 0.4879% | 7,948 |
| Net interest margin | 3.2112% | 5,971 |
| Noninterest income to average assets | 0.6331% | 3,474 |
| Noninterest expense to average assets | 2.5630% | 5,844 |
| Loan and lease loss provision to assets | 0.0102% | 7,227 |
| Net operating income to assets | 0.5180% | 3,910 |
| Return on assets (ROA) | 0.5180% | 4,001 |
| Pretax return on assets | 0.7787% | 3,600 |
| Return on Equity (ROE) | 6.4702% | 3,312 |
| Retained earnings to average equity (ytd only) | 6.4702% | 1,724 |
| Net charge-offs to loans | 0.0473% | 6,252 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 77.6650% | 435 |
| Efficiency ratio | 76.4646% | 3,424 |
| Assets per employee ($millions) | 3.8295% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 6,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 21.9976% | 7,935 |
| Net loans and leases to deposits | 24.3461% | 7,967 |
| Net loans and leases to core deposits | 25.2374% | 7,970 |
| Total domestic deposits to total assets | 90.3538% | 641 |
| Equity capital to assets | 8.6251% | 6,078 |
| Core capital (leverage) ratio | 8.1237% | 6,146 |
| Tier 1 risk-based capital ratio | 26.6162% | 782 |
| Total risk-based capital ratio | 27.2475% | 803 |
| Memoranda: | ||
| Average total assets | $39,380,000 | 7,182 |
| Average earning assets | $33,340,500 | 7,276 |
| Average equity | $3,152,750 | 7,616 |
| Average total loans | $8,462,750 | 7,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 8,018 |
| Cost of funding earning assets | 0.5400% | 8,024 |
| Net interest margin | 3.0118% | 6,518 |
| Noninterest income to average assets | 0.5938% | 3,746 |
| Noninterest expense to average assets | 2.5163% | 6,066 |
| Loan and lease loss provision to assets | 0.0151% | 7,072 |
| Net operating income to assets | 0.4026% | 4,504 |
| Return on assets (ROA) | 0.4026% | 4,618 |
| Pretax return on assets | 0.5888% | 4,352 |
| Return on Equity (ROE) | 5.1568% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.1568% | 2,423 |
| Net charge-offs to loans | 0.0947% | 5,230 |
| Credit loss provision to net charge-offs | 75.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 998 |
| Efficiency ratio | 80.6452% | 2,944 |
| Assets per employee ($millions) | 3.6379% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 7,615 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 20.5738% | 8,031 |
| Net loans and leases to deposits | 22.4761% | 8,063 |
| Net loans and leases to core deposits | 23.2512% | 8,069 |
| Total domestic deposits to total assets | 91.5361% | 314 |
| Equity capital to assets | 7.7167% | 7,054 |
| Core capital (leverage) ratio | 7.4793% | 7,048 |
| Tier 1 risk-based capital ratio | 26.4819% | 818 |
| Total risk-based capital ratio | 27.1168% | 849 |
| Memoranda: | ||
| Average total assets | $39,741,670 | 7,219 |
| Average earning assets | $33,336,000 | 7,346 |
| Average equity | $3,102,670 | 7,697 |
| Average total loans | $8,450,670 | 7,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 8,060 |
| Cost of funding earning assets | 0.6006% | 8,053 |
| Net interest margin | 3.0991% | 6,203 |
| Noninterest income to average assets | 0.6767% | 3,023 |
| Noninterest expense to average assets | 2.4442% | 6,044 |
| Loan and lease loss provision to assets | 0.0404% | 6,460 |
| Net operating income to assets | 0.5252% | 4,317 |
| Return on assets (ROA) | 0.5252% | 4,502 |
| Pretax return on assets | 0.7979% | 4,084 |
| Return on Equity (ROE) | 6.6881% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.6881% | 2,334 |
| Net charge-offs to loans | 0.1408% | 3,832 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,124 |
| Efficiency ratio | 74.4615% | 3,740 |
| Assets per employee ($millions) | 4.7420% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,683 |
| Loan loss allowance to noncurrent loans | 475.0000% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,465 |
| Noncurrent loans to loans | 0.1923% | 6,981 |
| Net loans and leases to total assets | 19.3167% | 8,092 |
| Net loans and leases to deposits | 21.0618% | 8,128 |
| Net loans and leases to core deposits | 21.7974% | 8,133 |
| Total domestic deposits to total assets | 91.7147% | 223 |
| Equity capital to assets | 7.3996% | 7,422 |
| Core capital (leverage) ratio | 7.3576% | 7,315 |
| Tier 1 risk-based capital ratio | 23.9890% | 1,084 |
| Total risk-based capital ratio | 24.5846% | 1,128 |
| Memoranda: | ||
| Average total assets | $39,604,000 | 7,269 |
| Average earning assets | $33,300,000 | 7,394 |
| Average equity | $3,110,000 | 7,750 |
| Average total loans | $8,522,500 | 7,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 7,982 |
| Cost of funding earning assets | 1.5019% | 7,608 |
| Net interest margin | 3.1811% | 6,424 |
| Noninterest income to average assets | 0.7805% | 2,618 |
| Noninterest expense to average assets | 2.6805% | 5,336 |
| Loan and lease loss provision to assets | 0.0807% | 6,382 |
| Net operating income to assets | 0.6028% | 4,287 |
| Return on assets (ROA) | 0.6028% | 4,154 |
| Pretax return on assets | 0.9150% | 3,675 |
| Return on Equity (ROE) | 7.6185% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.6185% | 958 |
| Net charge-offs to loans | 0.2465% | 3,805 |
| Credit loss provision to net charge-offs | 136.3636% | 3,907 |
| Earnings coverage of net charge-offs (x) | 16.8182% | 1,814 |
| Efficiency ratio | 72.9136% | 3,767 |
| Assets per employee ($millions) | 3.6530% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,856 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,500 |
| Noncurrent loans to loans | 0.0573% | 7,281 |
| Net loans and leases to total assets | 23.6792% | 8,111 |
| Net loans and leases to deposits | 26.1140% | 8,157 |
| Net loans and leases to core deposits | 27.2664% | 8,169 |
| Total domestic deposits to total assets | 90.6762% | 435 |
| Equity capital to assets | 8.3822% | 6,292 |
| Core capital (leverage) ratio | 8.2213% | 6,122 |
| Tier 1 risk-based capital ratio | 25.4140% | 955 |
| Total risk-based capital ratio | 26.0477% | 982 |
| Memoranda: | ||
| Average total assets | $37,157,000 | 7,341 |
| Average earning assets | $33,824,800 | 7,330 |
| Average equity | $2,940,200 | 7,855 |
| Average total loans | $8,924,800 | 7,991 |