Home > Franklin Bank > Performance and Condition Ratios
Franklin 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 | 4.1121% | 2,852 |
| Cost of funding earning assets | 0.2190% | 5,263 |
| Net interest margin | 3.8932% | 2,002 |
| Noninterest income to average assets | 0.1789% | 5,626 |
| Noninterest expense to average assets | 2.8719% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9291% | 2,734 |
| Return on assets (ROA) | 0.4074% | 5,223 |
| Pretax return on assets | 0.4074% | 5,448 |
| Return on Equity (ROE) | 3.6174% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.6174% | 3,724 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 2,444 |
| Assets per employee ($millions) | 6.2322% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 4,664 |
| Loan loss allowance to noncurrent loans | 217.3469% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 4,817 |
| Noncurrent loans to loans | 0.4781% | 4,038 |
| Net loans and leases to total assets | 54.2454% | 4,529 |
| Net loans and leases to deposits | 62.2801% | 4,683 |
| Net loans and leases to core deposits | 70.7524% | 4,256 |
| Total domestic deposits to total assets | 87.0992% | 2,111 |
| Equity capital to assets | 11.8150% | 2,155 |
| Core capital (leverage) ratio | 12.6444% | 1,319 |
| Tier 1 risk-based capital ratio | 22.1609% | 1,181 |
| Total risk-based capital ratio | 23.1324% | 1,206 |
| Memoranda: | ||
| Average total assets | $40,252,330 | 5,898 |
| Average earning assets | $37,450,000 | 5,876 |
| Average equity | $4,533,670 | 5,890 |
| Average total loans | $20,210,670 | 5,842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,235 |
| Cost of funding earning assets | 0.2181% | 5,335 |
| Net interest margin | 3.7802% | 2,300 |
| Noninterest income to average assets | 0.1727% | 5,679 |
| Noninterest expense to average assets | 2.2456% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4203% | 992 |
| Return on assets (ROA) | 0.4126% | 5,138 |
| Pretax return on assets | 0.4126% | 5,400 |
| Return on Equity (ROE) | 3.7461% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.7461% | 3,760 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2565% | 4,924 |
| Assets per employee ($millions) | 6.6948% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,932 |
| Loan loss allowance to noncurrent loans | 373.6842% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,388 |
| Noncurrent loans to loans | 0.2721% | 4,806 |
| Net loans and leases to total assets | 51.6119% | 4,697 |
| Net loans and leases to deposits | 59.2732% | 4,803 |
| Net loans and leases to core deposits | 67.0353% | 4,424 |
| Total domestic deposits to total assets | 87.0746% | 2,330 |
| Equity capital to assets | 12.1138% | 1,951 |
| Core capital (leverage) ratio | 11.6610% | 1,882 |
| Tier 1 risk-based capital ratio | 21.4486% | 1,337 |
| Total risk-based capital ratio | 22.3962% | 1,366 |
| Memoranda: | ||
| Average total assets | $41,682,000 | 5,924 |
| Average earning assets | $38,516,500 | 5,904 |
| Average equity | $4,591,500 | 5,932 |
| Average total loans | $20,067,500 | 5,895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,466 |
| Cost of funding earning assets | 0.2853% | 4,947 |
| Net interest margin | 3.7785% | 2,696 |
| Noninterest income to average assets | 0.2027% | 5,647 |
| Noninterest expense to average assets | 1.9604% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5066% | 866 |
| Return on assets (ROA) | 1.5066% | 903 |
| Pretax return on assets | 1.5066% | 1,516 |
| Return on Equity (ROE) | 19.7583% | 267 |
| Retained earnings to average equity (ytd only) | 12.5076% | 261 |
| Net charge-offs to loans | -0.0055% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5449% | 5,614 |
| Assets per employee ($millions) | 6.1707% | 1,262 |
| Cash dividends to net income (ytd only)* | 36.6972% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 4,493 |
| Loan loss allowance to noncurrent loans | 332.8125% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,437 |
| Noncurrent loans to loans | 0.3335% | 4,650 |
| Net loans and leases to total assets | 43.9333% | 5,470 |
| Net loans and leases to deposits | 49.1912% | 5,621 |
| Net loans and leases to core deposits | 55.7950% | 5,399 |
| Total domestic deposits to total assets | 89.3113% | 1,064 |
| Equity capital to assets | 9.9942% | 4,119 |
| Core capital (leverage) ratio | 11.7249% | 1,811 |
| Tier 1 risk-based capital ratio | 21.2829% | 1,344 |
| Total risk-based capital ratio | 22.2272% | 1,377 |
| Memoranda: | ||
| Average total assets | $43,409,400 | 5,945 |
| Average earning assets | $37,501,200 | 6,000 |
| Average equity | $3,310,000 | 6,214 |
| Average total loans | $18,112,200 | 6,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,542 |
| Cost of funding earning assets | 0.3011% | 4,878 |
| Net interest margin | 3.7523% | 2,802 |
| Noninterest income to average assets | 0.1841% | 5,818 |
| Noninterest expense to average assets | 1.7823% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6136% | 729 |
| Return on assets (ROA) | 1.6136% | 758 |
| Pretax return on assets | 1.6136% | 1,287 |
| Return on Equity (ROE) | 22.9321% | 158 |
| Retained earnings to average equity (ytd only) | 22.9321% | 44 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4842% | 5,958 |
| Assets per employee ($millions) | 5.8259% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 4,521 |
| Loan loss allowance to noncurrent loans | 290.4110% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 5,491 |
| Noncurrent loans to loans | 0.3947% | 4,725 |
| Net loans and leases to total assets | 44.8297% | 5,468 |
| Net loans and leases to deposits | 50.1591% | 5,641 |
| Net loans and leases to core deposits | 58.3251% | 5,313 |
| Total domestic deposits to total assets | 89.3750% | 1,040 |
| Equity capital to assets | 9.4725% | 4,826 |
| Core capital (leverage) ratio | 12.1566% | 1,600 |
| Tier 1 risk-based capital ratio | 22.3211% | 1,216 |
| Total risk-based capital ratio | 23.2890% | 1,238 |
| Memoranda: | ||
| Average total assets | $43,463,000 | 6,012 |
| Average earning assets | $37,202,750 | 6,083 |
| Average equity | $3,058,250 | 6,327 |
| Average total loans | $17,842,750 | 6,111 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,949 |
| Cost of funding earning assets | 0.3171% | 4,795 |
| Net interest margin | 3.6281% | 3,242 |
| Noninterest income to average assets | 0.2119% | 5,684 |
| Noninterest expense to average assets | 1.6818% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5736% | 749 |
| Return on assets (ROA) | 1.5736% | 781 |
| Pretax return on assets | 1.5736% | 1,323 |
| Return on Equity (ROE) | 25.0179% | 109 |
| Retained earnings to average equity (ytd only) | 25.0179% | 42 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6620% | 6,085 |
| Assets per employee ($millions) | 5.6197% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,277 |
| Loan loss allowance to noncurrent loans | 407.6923% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,496 |
| Noncurrent loans to loans | 0.3016% | 5,111 |
| Net loans and leases to total assets | 43.2838% | 5,580 |
| Net loans and leases to deposits | 47.8865% | 5,776 |
| Net loans and leases to core deposits | 55.0145% | 5,482 |
| Total domestic deposits to total assets | 90.3884% | 623 |
| Equity capital to assets | 9.0015% | 5,297 |
| Core capital (leverage) ratio | 11.6989% | 1,854 |
| Tier 1 risk-based capital ratio | 23.2959% | 1,071 |
| Total risk-based capital ratio | 24.3438% | 1,084 |
| Memoranda: | ||
| Average total assets | $44,357,000 | 6,050 |
| Average earning assets | $37,209,670 | 6,138 |
| Average equity | $2,790,000 | 6,431 |
| Average total loans | $17,625,670 | 6,171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,953 |
| Cost of funding earning assets | 0.3313% | 4,728 |
| Net interest margin | 3.6019% | 3,238 |
| Noninterest income to average assets | 0.1963% | 5,790 |
| Noninterest expense to average assets | 1.6216% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4509% | 897 |
| Return on assets (ROA) | 1.4509% | 929 |
| Pretax return on assets | 1.4509% | 1,585 |
| Return on Equity (ROE) | 28.1632% | 82 |
| Retained earnings to average equity (ytd only) | 28.1632% | 45 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7778% | 6,094 |
| Assets per employee ($millions) | 5.8660% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 4,572 |
| Loan loss allowance to noncurrent loans | 683.8710% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 5,798 |
| Noncurrent loans to loans | 0.1776% | 5,561 |
| Net loans and leases to total assets | 41.9877% | 5,672 |
| Net loans and leases to deposits | 45.3520% | 5,895 |
| Net loans and leases to core deposits | 51.9120% | 5,622 |
| Total domestic deposits to total assets | 92.5819% | 159 |
| Equity capital to assets | 6.8238% | 6,482 |
| Core capital (leverage) ratio | 10.0942% | 3,436 |
| Tier 1 risk-based capital ratio | 21.6053% | 1,356 |
| Total risk-based capital ratio | 22.6157% | 1,380 |
| Memoranda: | ||
| Average total assets | $46,866,500 | 6,044 |
| Average earning assets | $37,424,500 | 6,187 |
| Average equity | $2,414,500 | 6,552 |
| Average total loans | $17,819,000 | 6,224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 3,386 |
| Cost of funding earning assets | 0.3995% | 4,659 |
| Net interest margin | 3.7887% | 2,689 |
| Noninterest income to average assets | 0.2749% | 5,388 |
| Noninterest expense to average assets | 1.8684% | 6,227 |
| Loan and lease loss provision to assets | 0.0070% | 4,985 |
| Net operating income to assets | 1.6913% | 588 |
| Return on assets (ROA) | 1.5516% | 779 |
| Pretax return on assets | 1.5516% | 1,296 |
| Return on Equity (ROE) | 19.7943% | 292 |
| Retained earnings to average equity (ytd only) | 14.4445% | 187 |
| Net charge-offs to loans | 0.0410% | 4,654 |
| Credit loss provision to net charge-offs | 42.8571% | 3,978 |
| Earnings coverage of net charge-offs (x) | 104.1429% | 450 |
| Efficiency ratio | 52.3841% | 6,267 |
| Assets per employee ($millions) | 7.5244% | 594 |
| Cash dividends to net income (ytd only)* | 27.0270% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 4,829 |
| Loan loss allowance to noncurrent loans | 238.2022% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 5,602 |
| Noncurrent loans to loans | 0.4894% | 4,772 |
| Net loans and leases to total assets | 34.1231% | 6,293 |
| Net loans and leases to deposits | 35.7793% | 6,431 |
| Net loans and leases to core deposits | 40.1649% | 6,356 |
| Total domestic deposits to total assets | 95.3713% | 42 |
| Equity capital to assets | 3.8484% | 6,747 |
| Core capital (leverage) ratio | 10.9308% | 2,450 |
| Tier 1 risk-based capital ratio | 18.1387% | 2,205 |
| Total risk-based capital ratio | 19.0199% | 2,288 |
| Memoranda: | ||
| Average total assets | $42,924,600 | 6,199 |
| Average earning assets | $37,295,200 | 6,241 |
| Average equity | $3,364,600 | 6,462 |
| Average total loans | $17,091,200 | 6,318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 3,315 |
| Cost of funding earning assets | 0.4133% | 4,690 |
| Net interest margin | 3.8057% | 2,619 |
| Noninterest income to average assets | 0.2733% | 5,487 |
| Noninterest expense to average assets | 1.8375% | 6,287 |
| Loan and lease loss provision to assets | 0.0099% | 4,792 |
| Net operating income to assets | 1.9429% | 405 |
| Return on assets (ROA) | 2.1932% | 276 |
| Pretax return on assets | 2.1932% | 395 |
| Return on Equity (ROE) | 24.0059% | 141 |
| Retained earnings to average equity (ytd only) | 24.0059% | 55 |
| Net charge-offs to loans | 0.0555% | 4,116 |
| Credit loss provision to net charge-offs | 42.8571% | 3,655 |
| Earnings coverage of net charge-offs (x) | 84.7428% | 563 |
| Efficiency ratio | 48.4796% | 6,478 |
| Assets per employee ($millions) | 5.5517% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,777 |
| Loan loss allowance to noncurrent loans | 56.9892% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 3,754 |
| Noncurrent loans to loans | 2.1429% | 2,082 |
| Net loans and leases to total assets | 44.1254% | 5,717 |
| Net loans and leases to deposits | 48.1023% | 5,959 |
| Net loans and leases to core deposits | 56.6202% | 5,568 |
| Total domestic deposits to total assets | 91.7323% | 306 |
| Equity capital to assets | 7.6476% | 6,330 |
| Core capital (leverage) ratio | 11.7307% | 1,867 |
| Tier 1 risk-based capital ratio | 21.9602% | 1,326 |
| Total risk-based capital ratio | 22.9847% | 1,337 |
| Memoranda: | ||
| Average total assets | $40,488,000 | 6,346 |
| Average earning assets | $37,416,500 | 6,314 |
| Average equity | $3,699,000 | 6,468 |
| Average total loans | $16,817,750 | 6,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 3,408 |
| Cost of funding earning assets | 0.4228% | 4,732 |
| Net interest margin | 3.7683% | 2,680 |
| Noninterest income to average assets | 0.2486% | 5,673 |
| Noninterest expense to average assets | 1.7987% | 6,383 |
| Loan and lease loss provision to assets | 0.0146% | 4,594 |
| Net operating income to assets | 1.9108% | 419 |
| Return on assets (ROA) | 1.9108% | 453 |
| Pretax return on assets | 1.9108% | 736 |
| Return on Equity (ROE) | 19.8918% | 308 |
| Retained earnings to average equity (ytd only) | 19.8918% | 91 |
| Net charge-offs to loans | 0.0841% | 3,525 |
| Credit loss provision to net charge-offs | 42.8571% | 3,363 |
| Earnings coverage of net charge-offs (x) | 56.4286% | 737 |
| Efficiency ratio | 48.2984% | 6,518 |
| Assets per employee ($millions) | 5.6013% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,590 |
| Loan loss allowance to noncurrent loans | 84.4622% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 4,633 |
| Noncurrent loans to loans | 1.5190% | 3,023 |
| Net loans and leases to total assets | 41.6027% | 5,928 |
| Net loans and leases to deposits | 47.1350% | 6,038 |
| Net loans and leases to core deposits | 54.9263% | 5,679 |
| Total domestic deposits to total assets | 88.2629% | 2,066 |
| Equity capital to assets | 8.1971% | 6,059 |
| Core capital (leverage) ratio | 10.4137% | 2,972 |
| Tier 1 risk-based capital ratio | 20.9582% | 1,502 |
| Total risk-based capital ratio | 21.9977% | 1,526 |
| Memoranda: | ||
| Average total assets | $41,030,000 | 6,377 |
| Average earning assets | $37,842,000 | 6,349 |
| Average equity | $3,941,330 | 6,463 |
| Average total loans | $16,637,000 | 6,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,332 |
| Cost of funding earning assets | 0.4287% | 4,822 |
| Net interest margin | 3.7643% | 2,594 |
| Noninterest income to average assets | 0.2289% | 5,827 |
| Noninterest expense to average assets | 1.8789% | 6,309 |
| Loan and lease loss provision to assets | 0.0286% | 4,097 |
| Net operating income to assets | 1.7549% | 516 |
| Return on assets (ROA) | 1.7549% | 573 |
| Pretax return on assets | 1.7549% | 963 |
| Return on Equity (ROE) | 17.0964% | 502 |
| Retained earnings to average equity (ytd only) | 17.0964% | 224 |
| Net charge-offs to loans | -0.0240% | 5,803 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3021% | 6,421 |
| Assets per employee ($millions) | 5.9979% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,700 |
| Loan loss allowance to noncurrent loans | 116.4021% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 5,255 |
| Noncurrent loans to loans | 1.1162% | 3,915 |
| Net loans and leases to total assets | 39.8071% | 6,016 |
| Net loans and leases to deposits | 44.6812% | 6,147 |
| Net loans and leases to core deposits | 51.4753% | 5,862 |
| Total domestic deposits to total assets | 89.0913% | 1,630 |
| Equity capital to assets | 10.3751% | 3,703 |
| Core capital (leverage) ratio | 9.7207% | 3,766 |
| Tier 1 risk-based capital ratio | 19.6783% | 1,855 |
| Total risk-based capital ratio | 20.7441% | 1,880 |
| Memoranda: | ||
| Average total assets | $41,940,500 | 6,404 |
| Average earning assets | $38,254,500 | 6,397 |
| Average equity | $4,305,000 | 6,446 |
| Average total loans | $16,693,500 | 6,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 4,320 |
| Cost of funding earning assets | 0.5315% | 4,986 |
| Net interest margin | 3.7377% | 3,485 |
| Noninterest income to average assets | 0.2715% | 5,518 |
| Noninterest expense to average assets | 1.9326% | 6,452 |
| Loan and lease loss provision to assets | 0.0946% | 4,485 |
| Net operating income to assets | 1.5366% | 851 |
| Return on assets (ROA) | 1.5366% | 936 |
| Pretax return on assets | 1.5366% | 1,570 |
| Return on Equity (ROE) | 14.8218% | 842 |
| Retained earnings to average equity (ytd only) | 7.6151% | 1,273 |
| Net charge-offs to loans | 0.0958% | 4,710 |
| Credit loss provision to net charge-offs | 253.3333% | 955 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 744 |
| Efficiency ratio | 54.2278% | 6,244 |
| Assets per employee ($millions) | 5.9851% | 1,288 |
| Cash dividends to net income (ytd only)* | 48.6224% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,565 |
| Loan loss allowance to noncurrent loans | 134.1615% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,530 |
| Noncurrent loans to loans | 0.9785% | 4,234 |
| Net loans and leases to total assets | 38.7579% | 6,250 |
| Net loans and leases to deposits | 43.7364% | 6,383 |
| Net loans and leases to core deposits | 51.1917% | 6,077 |
| Total domestic deposits to total assets | 88.6171% | 1,828 |
| Equity capital to assets | 10.1537% | 3,958 |
| Core capital (leverage) ratio | 9.4898% | 4,119 |
| Tier 1 risk-based capital ratio | 18.8088% | 2,010 |
| Total risk-based capital ratio | 19.8564% | 2,033 |
| Memoranda: | ||
| Average total assets | $40,153,000 | 6,497 |
| Average earning assets | $35,369,600 | 6,519 |
| Average equity | $4,162,800 | 6,531 |
| Average total loans | $15,660,400 | 6,621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 4,433 |
| Cost of funding earning assets | 0.5559% | 5,037 |
| Net interest margin | 3.7495% | 3,558 |
| Noninterest income to average assets | 0.2417% | 5,820 |
| Noninterest expense to average assets | 1.8329% | 6,641 |
| Loan and lease loss provision to assets | 0.0302% | 5,404 |
| Net operating income to assets | 1.6617% | 747 |
| Return on assets (ROA) | 1.6617% | 827 |
| Pretax return on assets | 1.6617% | 1,386 |
| Return on Equity (ROE) | 15.9415% | 749 |
| Retained earnings to average equity (ytd only) | 15.9415% | 195 |
| Net charge-offs to loans | 0.1293% | 4,085 |
| Credit loss provision to net charge-offs | 60.0000% | 4,145 |
| Earnings coverage of net charge-offs (x) | 33.5990% | 1,001 |
| Efficiency ratio | 52.0000% | 6,448 |
| Assets per employee ($millions) | 5.6684% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,308 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 6,277 |
| Noncurrent loans to loans | 0.4345% | 5,576 |
| Net loans and leases to total assets | 38.9728% | 6,350 |
| Net loans and leases to deposits | 44.2410% | 6,490 |
| Net loans and leases to core deposits | 51.5089% | 6,213 |
| Total domestic deposits to total assets | 88.0919% | 1,995 |
| Equity capital to assets | 11.3864% | 2,863 |
| Core capital (leverage) ratio | 10.1684% | 3,323 |
| Tier 1 risk-based capital ratio | 20.7955% | 1,574 |
| Total risk-based capital ratio | 21.7541% | 1,600 |
| Memoranda: | ||
| Average total assets | $39,717,250 | 6,593 |
| Average earning assets | $34,777,000 | 6,620 |
| Average equity | $4,140,000 | 6,614 |
| Average total loans | $15,462,000 | 6,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 4,373 |
| Cost of funding earning assets | 0.5899% | 4,986 |
| Net interest margin | 3.7615% | 3,530 |
| Noninterest income to average assets | 0.2517% | 5,779 |
| Noninterest expense to average assets | 1.8877% | 6,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6058% | 828 |
| Return on assets (ROA) | 1.6058% | 924 |
| Pretax return on assets | 1.6058% | 1,535 |
| Return on Equity (ROE) | 15.8944% | 781 |
| Retained earnings to average equity (ytd only) | 15.8944% | 229 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0346% | 6,312 |
| Assets per employee ($millions) | 5.5934% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,268 |
| Loan loss allowance to noncurrent loans | 536.1111% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 6,573 |
| Noncurrent loans to loans | 0.2276% | 6,124 |
| Net loans and leases to total assets | 39.9040% | 6,348 |
| Net loans and leases to deposits | 45.1156% | 6,498 |
| Net loans and leases to core deposits | 52.5318% | 6,196 |
| Total domestic deposits to total assets | 88.4482% | 1,855 |
| Equity capital to assets | 11.0538% | 3,058 |
| Core capital (leverage) ratio | 9.9192% | 3,530 |
| Tier 1 risk-based capital ratio | 20.1412% | 1,679 |
| Total risk-based capital ratio | 21.1431% | 1,696 |
| Memoranda: | ||
| Average total assets | $39,730,000 | 6,641 |
| Average earning assets | $34,241,670 | 6,679 |
| Average equity | $4,014,000 | 6,676 |
| Average total loans | $15,399,000 | 6,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 4,592 |
| Cost of funding earning assets | 0.6360% | 4,847 |
| Net interest margin | 3.6984% | 3,838 |
| Noninterest income to average assets | 0.2899% | 5,551 |
| Noninterest expense to average assets | 1.8792% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5493% | 942 |
| Return on assets (ROA) | 1.5493% | 1,055 |
| Pretax return on assets | 1.5493% | 1,741 |
| Return on Equity (ROE) | 16.0747% | 796 |
| Retained earnings to average equity (ytd only) | 16.0747% | 360 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8105% | 6,253 |
| Assets per employee ($millions) | 5.6660% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,136 |
| 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 | 37.7112% | 6,509 |
| Net loans and leases to deposits | 42.0637% | 6,655 |
| Net loans and leases to core deposits | 48.3983% | 6,432 |
| Total domestic deposits to total assets | 89.6526% | 1,268 |
| Equity capital to assets | 9.8533% | 4,307 |
| Core capital (leverage) ratio | 9.3651% | 4,253 |
| Tier 1 risk-based capital ratio | 19.4954% | 1,844 |
| Total risk-based capital ratio | 20.5077% | 1,885 |
| Memoranda: | ||
| Average total assets | $40,018,000 | 6,687 |
| Average earning assets | $33,960,500 | 6,741 |
| Average equity | $3,857,000 | 6,763 |
| Average total loans | $15,190,000 | 6,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 4,178 |
| Cost of funding earning assets | 0.7730% | 5,046 |
| Net interest margin | 3.9440% | 3,138 |
| Noninterest income to average assets | 0.3409% | 5,093 |
| Noninterest expense to average assets | 2.1647% | 6,344 |
| Loan and lease loss provision to assets | 0.1080% | 5,247 |
| Net operating income to assets | 1.4744% | 876 |
| Return on assets (ROA) | 1.4744% | 953 |
| Pretax return on assets | 1.4744% | 1,550 |
| Return on Equity (ROE) | 14.7393% | 791 |
| Retained earnings to average equity (ytd only) | 7.9234% | 1,106 |
| Net charge-offs to loans | 0.1718% | 4,779 |
| Credit loss provision to net charge-offs | 140.7407% | 2,092 |
| Earnings coverage of net charge-offs (x) | 20.6296% | 1,124 |
| Efficiency ratio | 57.7710% | 6,081 |
| Assets per employee ($millions) | 5.7677% | 1,396 |
| Cash dividends to net income (ytd only)* | 46.2428% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,080 |
| Loan loss allowance to noncurrent loans | 1,072.2222% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,852 |
| Noncurrent loans to loans | 0.1182% | 6,519 |
| Net loans and leases to total assets | 37.2443% | 6,681 |
| Net loans and leases to deposits | 41.5881% | 6,811 |
| Net loans and leases to core deposits | 49.1116% | 6,580 |
| Total domestic deposits to total assets | 89.5552% | 1,232 |
| Equity capital to assets | 9.4269% | 4,990 |
| Core capital (leverage) ratio | 9.7800% | 3,637 |
| Tier 1 risk-based capital ratio | 18.4336% | 2,067 |
| Total risk-based capital ratio | 19.4327% | 2,110 |
| Memoranda: | ||
| Average total assets | $35,201,000 | 6,821 |
| Average earning assets | $30,400,800 | 6,857 |
| Average equity | $3,521,200 | 6,874 |
| Average total loans | $15,712,000 | 6,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 3,882 |
| Cost of funding earning assets | 0.7856% | 5,246 |
| Net interest margin | 4.0448% | 2,715 |
| Noninterest income to average assets | 0.2988% | 5,474 |
| Noninterest expense to average assets | 2.0172% | 6,660 |
| Loan and lease loss provision to assets | 0.0551% | 5,758 |
| Net operating income to assets | 1.7695% | 546 |
| Return on assets (ROA) | 1.7695% | 601 |
| Pretax return on assets | 1.7695% | 1,010 |
| Return on Equity (ROE) | 17.3910% | 524 |
| Retained earnings to average equity (ytd only) | 17.3910% | 133 |
| Net charge-offs to loans | 0.0674% | 5,289 |
| Credit loss provision to net charge-offs | 175.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 57.9803% | 571 |
| Efficiency ratio | 52.5077% | 6,634 |
| Assets per employee ($millions) | 5.2047% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,393 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,940 |
| Noncurrent loans to loans | 0.1038% | 6,669 |
| Net loans and leases to total assets | 41.7835% | 6,516 |
| Net loans and leases to deposits | 47.1534% | 6,678 |
| Net loans and leases to core deposits | 56.5322% | 6,272 |
| Total domestic deposits to total assets | 88.6120% | 1,686 |
| Equity capital to assets | 10.9022% | 3,238 |
| Core capital (leverage) ratio | 10.5235% | 2,846 |
| Tier 1 risk-based capital ratio | 21.3022% | 1,406 |
| Total risk-based capital ratio | 22.3750% | 1,410 |
| Memoranda: | ||
| Average total assets | $33,907,750 | 6,925 |
| Average earning assets | $29,699,500 | 6,939 |
| Average equity | $3,450,000 | 6,949 |
| Average total loans | $15,832,500 | 6,927 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 3,785 |
| Cost of funding earning assets | 0.7924% | 5,430 |
| Net interest margin | 4.0722% | 2,521 |
| Noninterest income to average assets | 0.2903% | 5,553 |
| Noninterest expense to average assets | 2.1351% | 6,530 |
| Loan and lease loss provision to assets | 0.0605% | 5,550 |
| Net operating income to assets | 1.6694% | 638 |
| Return on assets (ROA) | 1.6694% | 683 |
| Pretax return on assets | 1.6694% | 1,115 |
| Return on Equity (ROE) | 16.8498% | 568 |
| Retained earnings to average equity (ytd only) | 16.8498% | 169 |
| Net charge-offs to loans | 0.1002% | 4,678 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 810 |
| Efficiency ratio | 55.2426% | 6,485 |
| Assets per employee ($millions) | 5.0531% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,592 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,094 |
| Noncurrent loans to loans | 0.0258% | 6,925 |
| Net loans and leases to total assets | 43.2291% | 6,501 |
| Net loans and leases to deposits | 48.4337% | 6,702 |
| Net loans and leases to core deposits | 56.6061% | 6,372 |
| Total domestic deposits to total assets | 89.2542% | 1,380 |
| Equity capital to assets | 10.2652% | 3,799 |
| Core capital (leverage) ratio | 11.0418% | 2,212 |
| Tier 1 risk-based capital ratio | 20.7210% | 1,474 |
| Total risk-based capital ratio | 21.7926% | 1,480 |
| Memoranda: | ||
| Average total assets | $33,066,000 | 7,015 |
| Average earning assets | $29,026,330 | 7,029 |
| Average equity | $3,276,000 | 7,048 |
| Average total loans | $15,973,000 | 6,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 2,976 |
| Cost of funding earning assets | 0.8353% | 5,363 |
| Net interest margin | 4.1911% | 1,916 |
| Noninterest income to average assets | 0.2883% | 5,611 |
| Noninterest expense to average assets | 2.1809% | 6,464 |
| Loan and lease loss provision to assets | 0.0627% | 5,206 |
| Net operating income to assets | 1.6921% | 580 |
| Return on assets (ROA) | 1.6921% | 616 |
| Pretax return on assets | 1.6921% | 996 |
| Return on Equity (ROE) | 17.4278% | 529 |
| Retained earnings to average equity (ytd only) | 17.4278% | 258 |
| Net charge-offs to loans | 0.0493% | 4,443 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 437 |
| Efficiency ratio | 55.4140% | 6,574 |
| Assets per employee ($millions) | 4.4754% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,897 |
| Loan loss allowance to noncurrent loans | 3,083.3333% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 7,139 |
| Noncurrent loans to loans | 0.0369% | 6,958 |
| Net loans and leases to total assets | 51.3311% | 5,672 |
| Net loans and leases to deposits | 57.6421% | 5,961 |
| Net loans and leases to core deposits | 60.4185% | 6,064 |
| Total domestic deposits to total assets | 89.0513% | 1,741 |
| Equity capital to assets | 10.1124% | 3,637 |
| Core capital (leverage) ratio | 10.7160% | 2,425 |
| Tier 1 risk-based capital ratio | 19.6075% | 1,673 |
| Total risk-based capital ratio | 20.6691% | 1,681 |
| Memoranda: | ||
| Average total assets | $31,913,000 | 7,098 |
| Average earning assets | $27,773,000 | 7,109 |
| Average equity | $3,098,500 | 7,140 |
| Average total loans | $16,222,000 | 7,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 3,898 |
| Cost of funding earning assets | 1.0013% | 5,680 |
| Net interest margin | 4.1406% | 2,409 |
| Noninterest income to average assets | 0.4465% | 4,548 |
| Noninterest expense to average assets | 2.4119% | 6,067 |
| Loan and lease loss provision to assets | 0.1173% | 5,985 |
| Net operating income to assets | 1.6101% | 610 |
| Return on assets (ROA) | 1.6101% | 657 |
| Pretax return on assets | 1.6101% | 1,103 |
| Return on Equity (ROE) | 15.4878% | 647 |
| Retained earnings to average equity (ytd only) | 7.9634% | 986 |
| Net charge-offs to loans | -0.0123% | 7,326 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2677% | 6,312 |
| Assets per employee ($millions) | 4.6426% | 2,636 |
| Cash dividends to net income (ytd only)* | 48.5830% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,849 |
| Loan loss allowance to noncurrent loans | 4,550.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,220 |
| Noncurrent loans to loans | 0.0247% | 7,074 |
| Net loans and leases to total assets | 49.2215% | 6,253 |
| Net loans and leases to deposits | 55.2176% | 6,502 |
| Net loans and leases to core deposits | 58.8045% | 6,492 |
| Total domestic deposits to total assets | 89.1409% | 1,578 |
| Equity capital to assets | 9.3206% | 4,660 |
| Core capital (leverage) ratio | 9.9172% | 3,187 |
| Tier 1 risk-based capital ratio | 18.0132% | 1,993 |
| Total risk-based capital ratio | 19.0121% | 2,039 |
| Memoranda: | ||
| Average total assets | $30,680,800 | 7,184 |
| Average earning assets | $27,363,400 | 7,179 |
| Average equity | $3,189,600 | 7,223 |
| Average total loans | $16,294,600 | 7,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 4,185 |
| Cost of funding earning assets | 1.0205% | 5,843 |
| Net interest margin | 4.1062% | 2,598 |
| Noninterest income to average assets | 0.4190% | 4,806 |
| Noninterest expense to average assets | 2.3070% | 6,305 |
| Loan and lease loss provision to assets | 0.1323% | 5,704 |
| Net operating income to assets | 1.7071% | 613 |
| Return on assets (ROA) | 1.7071% | 666 |
| Pretax return on assets | 1.7071% | 1,102 |
| Return on Equity (ROE) | 15.9762% | 706 |
| Retained earnings to average equity (ytd only) | 15.9762% | 167 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6383% | 6,607 |
| Assets per employee ($millions) | 4.7750% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 6,097 |
| Loan loss allowance to noncurrent loans | 94.5652% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 5,836 |
| Noncurrent loans to loans | 1.1257% | 4,984 |
| Net loans and leases to total assets | 48.3800% | 6,486 |
| Net loans and leases to deposits | 54.3746% | 6,737 |
| Net loans and leases to core deposits | 56.6827% | 6,820 |
| Total domestic deposits to total assets | 88.9753% | 1,398 |
| Equity capital to assets | 10.5610% | 3,457 |
| Core capital (leverage) ratio | 11.6683% | 1,836 |
| Tier 1 risk-based capital ratio | 18.4529% | 1,880 |
| Total risk-based capital ratio | 19.3928% | 1,945 |
| Memoranda: | ||
| Average total assets | $30,226,500 | 7,285 |
| Average earning assets | $27,437,250 | 7,266 |
| Average equity | $3,229,750 | 7,304 |
| Average total loans | $16,323,750 | 7,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 3,060 |
| Cost of funding earning assets | 1.0989% | 5,676 |
| Net interest margin | 4.2818% | 1,846 |
| Noninterest income to average assets | 0.4252% | 4,712 |
| Noninterest expense to average assets | 2.4760% | 5,812 |
| Loan and lease loss provision to assets | 0.1577% | 5,316 |
| Net operating income to assets | 1.6666% | 624 |
| Return on assets (ROA) | 1.6666% | 673 |
| Pretax return on assets | 1.6666% | 1,124 |
| Return on Equity (ROE) | 15.5288% | 759 |
| Retained earnings to average equity (ytd only) | 15.5288% | 213 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5758% | 6,440 |
| Assets per employee ($millions) | 3.9839% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,179 |
| Loan loss allowance to noncurrent loans | 129.4574% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 6,038 |
| Noncurrent loans to loans | 0.8108% | 5,655 |
| Net loans and leases to total assets | 56.4564% | 5,634 |
| Net loans and leases to deposits | 64.5458% | 5,972 |
| Net loans and leases to core deposits | 66.2849% | 6,220 |
| Total domestic deposits to total assets | 87.4673% | 2,276 |
| Equity capital to assets | 11.9984% | 2,096 |
| Core capital (leverage) ratio | 11.4310% | 1,951 |
| Tier 1 risk-based capital ratio | 19.2041% | 1,672 |
| Total risk-based capital ratio | 20.1843% | 1,707 |
| Memoranda: | ||
| Average total assets | $29,160,330 | 7,379 |
| Average earning assets | $26,390,670 | 7,358 |
| Average equity | $3,129,670 | 7,376 |
| Average total loans | $16,316,670 | 7,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 3,211 |
| Cost of funding earning assets | 1.1605% | 5,603 |
| Net interest margin | 4.2049% | 2,018 |
| Noninterest income to average assets | 0.4296% | 4,667 |
| Noninterest expense to average assets | 2.6043% | 5,342 |
| Loan and lease loss provision to assets | 0.0940% | 5,686 |
| Net operating income to assets | 1.4767% | 933 |
| Return on assets (ROA) | 1.4767% | 1,004 |
| Pretax return on assets | 1.4767% | 1,581 |
| Return on Equity (ROE) | 14.5623% | 948 |
| Retained earnings to average equity (ytd only) | 14.5623% | 449 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3794% | 5,756 |
| Assets per employee ($millions) | 4.2091% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 6,750 |
| Loan loss allowance to noncurrent loans | 89.3491% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 5,804 |
| Noncurrent loans to loans | 1.0368% | 5,263 |
| Net loans and leases to total assets | 54.8093% | 5,916 |
| Net loans and leases to deposits | 61.6139% | 6,314 |
| Net loans and leases to core deposits | 65.1905% | 6,351 |
| Total domestic deposits to total assets | 88.9560% | 1,539 |
| Equity capital to assets | 10.5451% | 3,202 |
| Core capital (leverage) ratio | 10.7798% | 2,382 |
| Tier 1 risk-based capital ratio | 17.6978% | 2,022 |
| Total risk-based capital ratio | 18.5494% | 2,111 |
| Memoranda: | ||
| Average total assets | $29,797,000 | 7,450 |
| Average earning assets | $26,540,500 | 7,447 |
| Average equity | $3,021,500 | 7,487 |
| Average total loans | $16,519,500 | 7,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8815% | 2,317 |
| Cost of funding earning assets | 1.5260% | 5,397 |
| Net interest margin | 4.3555% | 1,552 |
| Noninterest income to average assets | 0.5335% | 4,150 |
| Noninterest expense to average assets | 2.7175% | 5,309 |
| Loan and lease loss provision to assets | 0.4304% | 4,247 |
| Net operating income to assets | 1.3552% | 931 |
| Return on assets (ROA) | 1.3552% | 981 |
| Pretax return on assets | 1.3552% | 1,544 |
| Return on Equity (ROE) | 12.4681% | 1,058 |
| Retained earnings to average equity (ytd only) | 4.6142% | 2,030 |
| Net charge-offs to loans | 0.5599% | 3,541 |
| Credit loss provision to net charge-offs | 130.1075% | 3,926 |
| Earnings coverage of net charge-offs (x) | 5.3978% | 2,614 |
| Efficiency ratio | 60.3476% | 6,428 |
| Assets per employee ($millions) | 4.3043% | 3,261 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,954 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 7,131 |
| Noncurrent loans to loans | 0.0597% | 7,274 |
| Net loans and leases to total assets | 55.0780% | 6,073 |
| Net loans and leases to deposits | 61.9101% | 6,477 |
| Net loans and leases to core deposits | 71.4071% | 6,690 |
| Total domestic deposits to total assets | 88.9645% | 1,496 |
| Equity capital to assets | 9.7444% | 4,081 |
| Core capital (leverage) ratio | 10.6417% | 2,480 |
| Tier 1 risk-based capital ratio | 16.5655% | 2,287 |
| Total risk-based capital ratio | 17.3532% | 2,406 |
| Memoranda: | ||
| Average total assets | $28,114,400 | 7,541 |
| Average earning assets | $25,622,600 | 7,519 |
| Average equity | $3,055,800 | 7,572 |
| Average total loans | $16,609,400 | 7,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0418% | 1,878 |
| Cost of funding earning assets | 1.6094% | 5,357 |
| Net interest margin | 4.4324% | 1,362 |
| Noninterest income to average assets | 0.4008% | 5,278 |
| Noninterest expense to average assets | 2.4966% | 6,078 |
| Loan and lease loss provision to assets | 0.1352% | 6,006 |
| Net operating income to assets | 1.8254% | 417 |
| Return on assets (ROA) | 1.8254% | 446 |
| Pretax return on assets | 1.8254% | 763 |
| Return on Equity (ROE) | 16.3328% | 616 |
| Retained earnings to average equity (ytd only) | 16.3328% | 118 |
| Net charge-offs to loans | 0.2574% | 4,444 |
| Credit loss provision to net charge-offs | 87.5000% | 5,551 |
| Earnings coverage of net charge-offs (x) | 12.6862% | 1,733 |
| Efficiency ratio | 56.0130% | 7,000 |
| Assets per employee ($millions) | 3.9441% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 7,429 |
| Loan loss allowance to noncurrent loans | 196.4912% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 7,005 |
| Noncurrent loans to loans | 0.3435% | 6,668 |
| Net loans and leases to total assets | 59.6907% | 5,627 |
| Net loans and leases to deposits | 69.3078% | 6,000 |
| Net loans and leases to core deposits | 77.9786% | 6,491 |
| Total domestic deposits to total assets | 86.1241% | 2,633 |
| Equity capital to assets | 11.8367% | 2,333 |
| Core capital (leverage) ratio | 12.0255% | 1,791 |
| Tier 1 risk-based capital ratio | 18.2621% | 1,920 |
| Total risk-based capital ratio | 18.8884% | 2,041 |
| Memoranda: | ||
| Average total assets | $27,610,500 | 7,630 |
| Average earning assets | $25,268,000 | 7,599 |
| Average equity | $3,085,750 | 7,637 |
| Average total loans | $16,577,000 | 7,444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0781% | 1,859 |
| Cost of funding earning assets | 1.7038% | 5,256 |
| Net interest margin | 4.3744% | 1,463 |
| Noninterest income to average assets | 0.3549% | 5,664 |
| Noninterest expense to average assets | 2.3831% | 6,514 |
| Loan and lease loss provision to assets | 0.1159% | 5,983 |
| Net operating income to assets | 1.8543% | 407 |
| Return on assets (ROA) | 1.8543% | 442 |
| Pretax return on assets | 1.8543% | 765 |
| Return on Equity (ROE) | 16.9256% | 587 |
| Retained earnings to average equity (ytd only) | 16.9256% | 135 |
| Net charge-offs to loans | 0.4103% | 3,150 |
| Credit loss provision to net charge-offs | 47.0588% | 5,802 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 54.7421% | 7,253 |
| Assets per employee ($millions) | 3.8111% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 7,634 |
| Loan loss allowance to noncurrent loans | 56.3218% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,782 |
| Noncurrent loans to loans | 1.0612% | 5,089 |
| Net loans and leases to total assets | 61.0915% | 5,503 |
| Net loans and leases to deposits | 71.6742% | 5,782 |
| Net loans and leases to core deposits | 76.7615% | 6,624 |
| Total domestic deposits to total assets | 85.2350% | 3,143 |
| Equity capital to assets | 11.3352% | 2,645 |
| Core capital (leverage) ratio | 11.3225% | 2,182 |
| Tier 1 risk-based capital ratio | 18.0187% | 2,015 |
| Total risk-based capital ratio | 18.5805% | 2,143 |
| Memoranda: | ||
| Average total assets | $27,611,000 | 7,698 |
| Average earning assets | $25,238,000 | 7,668 |
| Average equity | $3,025,000 | 7,720 |
| Average total loans | $16,572,000 | 7,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2062% | 1,582 |
| Cost of funding earning assets | 1.8161% | 5,037 |
| Net interest margin | 4.3901% | 1,370 |
| Noninterest income to average assets | 0.2707% | 6,272 |
| Noninterest expense to average assets | 2.3649% | 6,321 |
| Loan and lease loss provision to assets | 0.0570% | 6,250 |
| Net operating income to assets | 1.8093% | 522 |
| Return on assets (ROA) | 1.8093% | 578 |
| Pretax return on assets | 1.8093% | 962 |
| Return on Equity (ROE) | 16.7906% | 709 |
| Retained earnings to average equity (ytd only) | 16.7906% | 287 |
| Net charge-offs to loans | 0.8163% | 1,589 |
| Credit loss provision to net charge-offs | 11.7647% | 5,175 |
| Earnings coverage of net charge-offs (x) | 3.8529% | 3,042 |
| Efficiency ratio | 55.8923% | 6,983 |
| Assets per employee ($millions) | 3.9801% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5148% | 7,804 |
| Loan loss allowance to noncurrent loans | 661.5385% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 7,466 |
| Noncurrent loans to loans | 0.0778% | 7,301 |
| Net loans and leases to total assets | 59.6569% | 5,714 |
| Net loans and leases to deposits | 67.4061% | 6,231 |
| Net loans and leases to core deposits | 78.5714% | 6,495 |
| Total domestic deposits to total assets | 88.5036% | 1,486 |
| Equity capital to assets | 10.9544% | 3,005 |
| Core capital (leverage) ratio | 10.8049% | 2,649 |
| Tier 1 risk-based capital ratio | 16.9315% | 2,362 |
| Total risk-based capital ratio | 17.4145% | 2,570 |
| Memoranda: | ||
| Average total assets | $28,077,500 | 7,729 |
| Average earning assets | $25,329,500 | 7,713 |
| Average equity | $3,025,500 | 7,774 |
| Average total loans | $16,660,000 | 7,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3635% | 3,617 |
| Cost of funding earning assets | 2.2627% | 5,326 |
| Net interest margin | 4.1009% | 2,708 |
| Noninterest income to average assets | 0.6294% | 3,640 |
| Noninterest expense to average assets | 2.5402% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8616% | 475 |
| Return on assets (ROA) | 1.8729% | 446 |
| Pretax return on assets | 1.8729% | 810 |
| Return on Equity (ROE) | 16.9958% | 637 |
| Retained earnings to average equity (ytd only) | 6.6745% | 1,268 |
| Net charge-offs to loans | 0.1715% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.5357% | 1,761 |
| Efficiency ratio | 57.7089% | 6,747 |
| Assets per employee ($millions) | 4.7157% | 2,301 |
| Cash dividends to net income (ytd only)* | 60.7287% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 7,427 |
| Loan loss allowance to noncurrent loans | 154.6667% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 6,519 |
| Noncurrent loans to loans | 0.4515% | 5,991 |
| Net loans and leases to total assets | 58.3056% | 6,160 |
| Net loans and leases to deposits | 66.4639% | 6,607 |
| Net loans and leases to core deposits | 78.6958% | 6,710 |
| Total domestic deposits to total assets | 87.7253% | 1,597 |
| Equity capital to assets | 10.5994% | 3,391 |
| Core capital (leverage) ratio | 10.5096% | 2,971 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,614 |
| Total risk-based capital ratio | 16.7737% | 2,772 |
| Memoranda: | ||
| Average total assets | $26,375,600 | 7,792 |
| Average earning assets | $24,263,200 | 7,773 |
| Average equity | $2,906,600 | 7,864 |
| Average total loans | $16,328,800 | 7,562 |