Home > Holbrook Co-operative Bank > Performance and Condition Ratios
Holbrook Co-operative Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 4,449 |
| Cost of funding earning assets | 0.2214% | 4,791 |
| Net interest margin | 3.3669% | 3,779 |
| Noninterest income to average assets | 0.2260% | 4,919 |
| Noninterest expense to average assets | 3.5492% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0317% | 5,622 |
| Return on assets (ROA) | -0.0317% | 5,628 |
| Pretax return on assets | -0.1269% | 5,653 |
| Return on Equity (ROE) | -0.3481% | 5,631 |
| Retained earnings to average equity (ytd only) | -0.3481% | 4,972 |
| Net charge-offs to loans | 0.7421% | 232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.2388% | 2,862 |
| Efficiency ratio | 103.7080% | 180 |
| Assets per employee ($millions) | 5.0646% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,972 |
| Loan loss allowance to noncurrent loans | 38.4067% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 1,039 |
| Noncurrent loans to loans | 2.1700% | 785 |
| Net loans and leases to total assets | 69.6600% | 2,444 |
| Net loans and leases to deposits | 79.4505% | 2,820 |
| Net loans and leases to core deposits | 81.7859% | 3,110 |
| Total domestic deposits to total assets | 87.6772% | 1,903 |
| Equity capital to assets | 9.0738% | 4,737 |
| Core capital (leverage) ratio | 8.9438% | 4,803 |
| Tier 1 risk-based capital ratio | 13.9295% | 3,522 |
| Total risk-based capital ratio | 14.8531% | 3,632 |
| Memoranda: | ||
| Average total assets | $100,868,000 | 4,333 |
| Average earning assets | $95,756,500 | 4,280 |
| Average equity | $9,191,500 | 4,681 |
| Average total loans | $72,229,000 | 3,998 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 3,941 |
| Cost of funding earning assets | 0.2243% | 4,789 |
| Net interest margin | 3.5658% | 3,203 |
| Noninterest income to average assets | 0.2715% | 4,791 |
| Noninterest expense to average assets | 3.4327% | 1,289 |
| Loan and lease loss provision to assets | 0.0810% | 2,740 |
| Net operating income to assets | 0.0938% | 5,568 |
| Return on assets (ROA) | 0.0938% | 5,600 |
| Pretax return on assets | 0.1165% | 5,580 |
| Return on Equity (ROE) | 1.0268% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.0268% | 4,914 |
| Net charge-offs to loans | 0.0619% | 2,828 |
| Credit loss provision to net charge-offs | 170.8333% | 1,625 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 3,543 |
| Efficiency ratio | 94.5608% | 361 |
| Assets per employee ($millions) | 5.0222% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,374 |
| Loan loss allowance to noncurrent loans | 68.8091% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 1,791 |
| Noncurrent loans to loans | 1.4433% | 1,409 |
| Net loans and leases to total assets | 72.2562% | 2,130 |
| Net loans and leases to deposits | 82.5592% | 2,602 |
| Net loans and leases to core deposits | 85.0067% | 2,929 |
| Total domestic deposits to total assets | 87.5204% | 1,863 |
| Equity capital to assets | 9.1514% | 4,647 |
| Core capital (leverage) ratio | 8.9976% | 4,749 |
| Tier 1 risk-based capital ratio | 13.4459% | 3,806 |
| Total risk-based capital ratio | 14.5385% | 3,816 |
| Memoranda: | ||
| Average total assets | $101,290,200 | 4,329 |
| Average earning assets | $95,406,000 | 4,286 |
| Average equity | $9,252,000 | 4,702 |
| Average total loans | $77,599,600 | 3,856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 3,817 |
| Cost of funding earning assets | 0.2263% | 4,821 |
| Net interest margin | 3.6097% | 3,034 |
| Noninterest income to average assets | 0.3061% | 4,580 |
| Noninterest expense to average assets | 3.3706% | 1,412 |
| Loan and lease loss provision to assets | 0.0801% | 2,605 |
| Net operating income to assets | 0.1734% | 5,512 |
| Return on assets (ROA) | 0.1734% | 5,572 |
| Pretax return on assets | 0.2496% | 5,520 |
| Return on Equity (ROE) | 1.8992% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.8992% | 4,732 |
| Net charge-offs to loans | 0.0813% | 2,158 |
| Credit loss provision to net charge-offs | 127.0833% | 2,002 |
| Earnings coverage of net charge-offs (x) | 5.2291% | 3,159 |
| Efficiency ratio | 91.0898% | 508 |
| Assets per employee ($millions) | 5.2367% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,850 |
| Loan loss allowance to noncurrent loans | 127.8481% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,168 |
| Noncurrent loans to loans | 0.7081% | 2,912 |
| Net loans and leases to total assets | 77.7792% | 1,236 |
| Net loans and leases to deposits | 89.1249% | 1,869 |
| Net loans and leases to core deposits | 92.1780% | 2,358 |
| Total domestic deposits to total assets | 87.2700% | 1,770 |
| Equity capital to assets | 9.3822% | 4,777 |
| Core capital (leverage) ratio | 8.8799% | 4,967 |
| Tier 1 risk-based capital ratio | 12.5374% | 4,449 |
| Total risk-based capital ratio | 13.5293% | 4,523 |
| Memoranda: | ||
| Average total assets | $101,501,750 | 4,363 |
| Average earning assets | $95,444,500 | 4,315 |
| Average equity | $9,267,000 | 4,751 |
| Average total loans | $78,673,250 | 3,861 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,039 |
| Cost of funding earning assets | 0.2223% | 4,917 |
| Net interest margin | 3.5527% | 3,286 |
| Noninterest income to average assets | 0.3034% | 4,621 |
| Noninterest expense to average assets | 3.3023% | 1,589 |
| Loan and lease loss provision to assets | 0.0822% | 2,493 |
| Net operating income to assets | 0.1820% | 5,555 |
| Return on assets (ROA) | 0.1820% | 5,608 |
| Pretax return on assets | 0.2662% | 5,540 |
| Return on Equity (ROE) | 2.0120% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.0120% | 4,555 |
| Net charge-offs to loans | 0.1141% | 1,684 |
| Credit loss provision to net charge-offs | 93.3333% | 2,202 |
| Earnings coverage of net charge-offs (x) | 3.9556% | 3,041 |
| Efficiency ratio | 90.4558% | 582 |
| Assets per employee ($millions) | 5.0092% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,090 |
| Loan loss allowance to noncurrent loans | 68.4158% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 1,399 |
| Noncurrent loans to loans | 1.2609% | 1,817 |
| Net loans and leases to total assets | 79.2649% | 1,024 |
| Net loans and leases to deposits | 91.6107% | 1,567 |
| Net loans and leases to core deposits | 94.4300% | 2,118 |
| Total domestic deposits to total assets | 86.5237% | 2,158 |
| Equity capital to assets | 9.3010% | 4,974 |
| Core capital (leverage) ratio | 8.8970% | 4,942 |
| Tier 1 risk-based capital ratio | 12.4172% | 4,582 |
| Total risk-based capital ratio | 13.3828% | 4,664 |
| Memoranda: | ||
| Average total assets | $102,170,000 | 4,385 |
| Average earning assets | $96,264,670 | 4,341 |
| Average equity | $9,244,330 | 4,790 |
| Average total loans | $78,866,000 | 3,872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,016 |
| Cost of funding earning assets | 0.2216% | 4,980 |
| Net interest margin | 3.5586% | 3,244 |
| Noninterest income to average assets | 0.2869% | 4,672 |
| Noninterest expense to average assets | 3.2453% | 1,728 |
| Loan and lease loss provision to assets | 0.0775% | 2,411 |
| Net operating income to assets | 0.2210% | 5,488 |
| Return on assets (ROA) | 0.2210% | 5,551 |
| Pretax return on assets | 0.3257% | 5,457 |
| Return on Equity (ROE) | 2.4762% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.4762% | 4,267 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9479% | 752 |
| Assets per employee ($millions) | 5.1094% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 5,059 |
| Loan loss allowance to noncurrent loans | 79.5328% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 1,706 |
| Noncurrent loans to loans | 1.1293% | 2,137 |
| Net loans and leases to total assets | 77.1999% | 1,219 |
| Net loans and leases to deposits | 85.0876% | 2,183 |
| Net loans and leases to core deposits | 87.1962% | 2,641 |
| Total domestic deposits to total assets | 90.7298% | 353 |
| Equity capital to assets | 9.0559% | 5,117 |
| Core capital (leverage) ratio | 8.6331% | 5,259 |
| Tier 1 risk-based capital ratio | 12.4057% | 4,650 |
| Total risk-based capital ratio | 13.4048% | 4,710 |
| Memoranda: | ||
| Average total assets | $103,163,500 | 4,406 |
| Average earning assets | $97,455,000 | 4,350 |
| Average equity | $9,207,500 | 4,811 |
| Average total loans | $78,248,500 | 3,906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 4,250 |
| Cost of funding earning assets | 0.2463% | 4,817 |
| Net interest margin | 3.4895% | 3,561 |
| Noninterest income to average assets | 0.4572% | 3,609 |
| Noninterest expense to average assets | 3.3436% | 1,623 |
| Loan and lease loss provision to assets | 0.0653% | 2,979 |
| Net operating income to assets | 0.2313% | 5,513 |
| Return on assets (ROA) | 0.2893% | 5,472 |
| Pretax return on assets | 0.4220% | 5,280 |
| Return on Equity (ROE) | 3.0916% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.0916% | 3,855 |
| Net charge-offs to loans | 0.0380% | 3,464 |
| Credit loss provision to net charge-offs | 225.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 13.8929% | 2,338 |
| Efficiency ratio | 89.2363% | 743 |
| Assets per employee ($millions) | 5.2070% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,075 |
| Loan loss allowance to noncurrent loans | 77.1111% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 1,722 |
| Noncurrent loans to loans | 1.1705% | 2,021 |
| Net loans and leases to total assets | 73.1705% | 1,857 |
| Net loans and leases to deposits | 83.2685% | 2,449 |
| Net loans and leases to core deposits | 85.3550% | 2,843 |
| Total domestic deposits to total assets | 87.8729% | 1,701 |
| Equity capital to assets | 8.7969% | 5,311 |
| Core capital (leverage) ratio | 8.7069% | 5,206 |
| Tier 1 risk-based capital ratio | 12.8378% | 4,427 |
| Total risk-based capital ratio | 13.8589% | 4,462 |
| Memoranda: | ||
| Average total assets | $96,452,600 | 4,530 |
| Average earning assets | $90,929,200 | 4,486 |
| Average equity | $9,024,400 | 4,844 |
| Average total loans | $73,604,600 | 4,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,294 |
| Cost of funding earning assets | 0.2516% | 4,869 |
| Net interest margin | 3.4881% | 3,586 |
| Noninterest income to average assets | 0.4302% | 3,863 |
| Noninterest expense to average assets | 3.4880% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1653% | 5,743 |
| Return on assets (ROA) | 0.2003% | 5,737 |
| Pretax return on assets | 0.2750% | 5,680 |
| Return on Equity (ROE) | 2.1059% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.1059% | 4,830 |
| Net charge-offs to loans | 0.0458% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.4404% | 3,048 |
| Efficiency ratio | 93.8876% | 493 |
| Assets per employee ($millions) | 4.7504% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 5,420 |
| Loan loss allowance to noncurrent loans | 68.5405% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.3915% | 1,654 |
| Noncurrent loans to loans | 1.2221% | 2,088 |
| Net loans and leases to total assets | 79.0026% | 955 |
| Net loans and leases to deposits | 91.0776% | 1,517 |
| Net loans and leases to core deposits | 93.6142% | 2,111 |
| Total domestic deposits to total assets | 86.7420% | 2,164 |
| Equity capital to assets | 9.5435% | 4,704 |
| Core capital (leverage) ratio | 9.0104% | 4,988 |
| Tier 1 risk-based capital ratio | 13.3134% | 4,241 |
| Total risk-based capital ratio | 14.2959% | 4,321 |
| Memoranda: | ||
| Average total assets | $94,531,000 | 4,624 |
| Average earning assets | $89,025,500 | 4,576 |
| Average equity | $8,990,250 | 4,912 |
| Average total loans | $72,782,500 | 4,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,457 |
| Cost of funding earning assets | 0.2523% | 4,913 |
| Net interest margin | 3.4306% | 3,786 |
| Noninterest income to average assets | 0.4662% | 3,588 |
| Noninterest expense to average assets | 3.4374% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1855% | 5,730 |
| Return on assets (ROA) | 0.2374% | 5,683 |
| Pretax return on assets | 0.3285% | 5,605 |
| Return on Equity (ROE) | 2.4987% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.4987% | 4,465 |
| Net charge-offs to loans | 0.0808% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.1724% | 3,081 |
| Efficiency ratio | 93.0579% | 575 |
| Assets per employee ($millions) | 4.7194% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 5,296 |
| Loan loss allowance to noncurrent loans | 62.1302% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 1,653 |
| Noncurrent loans to loans | 1.4529% | 1,828 |
| Net loans and leases to total assets | 73.2760% | 1,774 |
| Net loans and leases to deposits | 84.4399% | 2,259 |
| Net loans and leases to core deposits | 86.8293% | 2,673 |
| Total domestic deposits to total assets | 86.7789% | 2,277 |
| Equity capital to assets | 9.5034% | 4,646 |
| Core capital (leverage) ratio | 9.4952% | 4,292 |
| Tier 1 risk-based capital ratio | 15.1584% | 3,272 |
| Total risk-based capital ratio | 16.2231% | 3,309 |
| Memoranda: | ||
| Average total assets | $94,372,330 | 4,673 |
| Average earning assets | $88,789,670 | 4,624 |
| Average equity | $8,964,670 | 4,950 |
| Average total loans | $71,812,670 | 4,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,197 |
| Cost of funding earning assets | 0.2524% | 4,996 |
| Net interest margin | 3.4976% | 3,449 |
| Noninterest income to average assets | 0.2925% | 4,831 |
| Noninterest expense to average assets | 3.5564% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0230% | 5,985 |
| Return on assets (ROA) | 0.1484% | 5,866 |
| Pretax return on assets | 0.1696% | 5,867 |
| Return on Equity (ROE) | 1.5622% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.5622% | 4,849 |
| Net charge-offs to loans | -0.0220% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2899% | 385 |
| Assets per employee ($millions) | 4.9237% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,394 |
| Loan loss allowance to noncurrent loans | 63.9961% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5318% | 1,695 |
| Noncurrent loans to loans | 1.4298% | 2,001 |
| Net loans and leases to total assets | 76.7472% | 1,091 |
| Net loans and leases to deposits | 88.6974% | 1,540 |
| Net loans and leases to core deposits | 91.6175% | 1,977 |
| Total domestic deposits to total assets | 86.5270% | 2,655 |
| Equity capital to assets | 9.5906% | 4,644 |
| Core capital (leverage) ratio | 9.3180% | 4,541 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,947 |
| Total risk-based capital ratio | 15.1705% | 3,998 |
| Memoranda: | ||
| Average total assets | $94,365,000 | 4,710 |
| Average earning assets | $88,747,500 | 4,663 |
| Average equity | $8,962,000 | 5,000 |
| Average total loans | $72,822,500 | 4,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,546 |
| Cost of funding earning assets | 0.2759% | 5,042 |
| Net interest margin | 3.7674% | 2,746 |
| Noninterest income to average assets | 0.1767% | 5,799 |
| Noninterest expense to average assets | 3.7358% | 1,087 |
| Loan and lease loss provision to assets | -0.4391% | 6,433 |
| Net operating income to assets | 0.2718% | 5,594 |
| Return on assets (ROA) | 0.3352% | 5,494 |
| Pretax return on assets | 0.4456% | 5,396 |
| Return on Equity (ROE) | 3.5671% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.5671% | 3,687 |
| Net charge-offs to loans | -0.1905% | 6,254 |
| Credit loss provision to net charge-offs | 303.7037% | 857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1376% | 327 |
| Assets per employee ($millions) | 4.7608% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 5,473 |
| Loan loss allowance to noncurrent loans | 63.4875% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 1,809 |
| Noncurrent loans to loans | 1.4183% | 2,072 |
| Net loans and leases to total assets | 76.1708% | 1,238 |
| Net loans and leases to deposits | 87.7391% | 1,765 |
| Net loans and leases to core deposits | 90.1504% | 2,262 |
| Total domestic deposits to total assets | 86.8151% | 2,380 |
| Equity capital to assets | 9.4638% | 4,761 |
| Core capital (leverage) ratio | 9.0320% | 4,946 |
| Tier 1 risk-based capital ratio | 12.7703% | 4,874 |
| Total risk-based capital ratio | 13.7436% | 4,960 |
| Memoranda: | ||
| Average total assets | $93,366,200 | 4,768 |
| Average earning assets | $86,267,000 | 4,732 |
| Average equity | $8,774,600 | 5,028 |
| Average total loans | $70,856,800 | 4,154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 3,325 |
| Cost of funding earning assets | 0.2822% | 5,073 |
| Net interest margin | 3.8316% | 2,506 |
| Noninterest income to average assets | 0.1062% | 6,223 |
| Noninterest expense to average assets | 3.4745% | 1,514 |
| Loan and lease loss provision to assets | -0.3588% | 6,495 |
| Net operating income to assets | 0.3817% | 5,314 |
| Return on assets (ROA) | 0.3817% | 5,393 |
| Pretax return on assets | 0.5181% | 5,269 |
| Return on Equity (ROE) | 4.0693% | 5,144 |
| Retained earnings to average equity (ytd only) | 4.0693% | 3,750 |
| Net charge-offs to loans | -0.2656% | 6,363 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6161% | 519 |
| Assets per employee ($millions) | 4.7535% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 4,517 |
| Loan loss allowance to noncurrent loans | 79.1547% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 1,737 |
| Noncurrent loans to loans | 1.4488% | 2,245 |
| Net loans and leases to total assets | 74.7131% | 1,408 |
| Net loans and leases to deposits | 85.9905% | 1,904 |
| Net loans and leases to core deposits | 88.3632% | 2,384 |
| Total domestic deposits to total assets | 86.8853% | 2,380 |
| Equity capital to assets | 9.4163% | 4,898 |
| Core capital (leverage) ratio | 9.0662% | 4,971 |
| Tier 1 risk-based capital ratio | 13.7104% | 4,410 |
| Total risk-based capital ratio | 14.9604% | 4,346 |
| Memoranda: | ||
| Average total assets | $92,904,000 | 4,820 |
| Average earning assets | $85,531,750 | 4,801 |
| Average equity | $8,715,500 | 5,085 |
| Average total loans | $70,274,750 | 4,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,854 |
| Cost of funding earning assets | 0.2842% | 5,140 |
| Net interest margin | 3.9432% | 2,002 |
| Noninterest income to average assets | -0.0694% | 6,592 |
| Noninterest expense to average assets | 3.5300% | 1,423 |
| Loan and lease loss provision to assets | -0.5424% | 6,599 |
| Net operating income to assets | 0.4166% | 5,151 |
| Return on assets (ROA) | 0.4166% | 5,232 |
| Pretax return on assets | 0.5554% | 5,115 |
| Return on Equity (ROE) | 4.4462% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,341 |
| Net charge-offs to loans | -0.4330% | 6,493 |
| Credit loss provision to net charge-offs | 165.5629% | 1,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6326% | 417 |
| Assets per employee ($millions) | 4.7361% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,525 |
| Loan loss allowance to noncurrent loans | 84.7716% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.1674% | 1,419 |
| Noncurrent loans to loans | 1.3896% | 2,479 |
| Net loans and leases to total assets | 73.9530% | 1,451 |
| Net loans and leases to deposits | 85.1132% | 1,915 |
| Net loans and leases to core deposits | 88.7978% | 2,231 |
| Total domestic deposits to total assets | 86.8878% | 2,521 |
| Equity capital to assets | 9.3548% | 4,914 |
| Core capital (leverage) ratio | 9.2263% | 4,700 |
| Tier 1 risk-based capital ratio | 13.8514% | 4,350 |
| Total risk-based capital ratio | 15.1024% | 4,303 |
| Memoranda: | ||
| Average total assets | $92,182,330 | 4,870 |
| Average earning assets | $84,449,330 | 4,859 |
| Average equity | $8,636,670 | 5,125 |
| Average total loans | $69,748,670 | 4,247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,714 |
| Cost of funding earning assets | 0.2700% | 5,384 |
| Net interest margin | 3.9725% | 1,848 |
| Noninterest income to average assets | 0.3388% | 4,666 |
| Noninterest expense to average assets | 3.5022% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3168% | 5,436 |
| Return on assets (ROA) | 0.3168% | 5,485 |
| Pretax return on assets | 0.4620% | 5,281 |
| Return on Equity (ROE) | 3.3785% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.3785% | 4,101 |
| Net charge-offs to loans | -0.8499% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3463% | 1,191 |
| Assets per employee ($millions) | 5.3855% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,080 |
| Loan loss allowance to noncurrent loans | 116.7387% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.7864% | 1,072 |
| Noncurrent loans to loans | 1.2981% | 2,855 |
| Net loans and leases to total assets | 76.7381% | 914 |
| Net loans and leases to deposits | 88.6388% | 1,294 |
| Net loans and leases to core deposits | 91.8319% | 1,747 |
| Total domestic deposits to total assets | 86.5739% | 3,063 |
| Equity capital to assets | 9.4273% | 4,591 |
| Core capital (leverage) ratio | 9.2908% | 4,589 |
| Tier 1 risk-based capital ratio | 11.2357% | 6,047 |
| Total risk-based capital ratio | 12.4882% | 5,999 |
| Memoranda: | ||
| Average total assets | $90,913,000 | 4,944 |
| Average earning assets | $82,970,000 | 4,941 |
| Average equity | $8,524,500 | 5,175 |
| Average total loans | $69,181,000 | 4,294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 3,375 |
| Cost of funding earning assets | 0.3740% | 4,903 |
| Net interest margin | 3.8174% | 2,584 |
| Noninterest income to average assets | 0.3479% | 4,830 |
| Noninterest expense to average assets | 3.7936% | 1,147 |
| Loan and lease loss provision to assets | -0.3381% | 6,697 |
| Net operating income to assets | 0.2618% | 5,650 |
| Return on assets (ROA) | 0.2618% | 5,730 |
| Pretax return on assets | 0.3774% | 5,546 |
| Return on Equity (ROE) | 2.8398% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.8398% | 4,224 |
| Net charge-offs to loans | -0.0465% | 6,317 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9755% | 512 |
| Assets per employee ($millions) | 5.3102% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 3,685 |
| Loan loss allowance to noncurrent loans | 100.7551% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 1,144 |
| Noncurrent loans to loans | 1.3831% | 2,823 |
| Net loans and leases to total assets | 73.2124% | 1,488 |
| Net loans and leases to deposits | 81.0545% | 2,316 |
| Net loans and leases to core deposits | 84.8604% | 2,576 |
| Total domestic deposits to total assets | 90.3249% | 908 |
| Equity capital to assets | 9.3250% | 4,660 |
| Core capital (leverage) ratio | 8.9838% | 5,030 |
| Tier 1 risk-based capital ratio | 12.5502% | 5,258 |
| Total risk-based capital ratio | 13.8020% | 5,211 |
| Memoranda: | ||
| Average total assets | $91,681,800 | 4,937 |
| Average earning assets | $83,694,800 | 4,942 |
| Average equity | $8,451,200 | 5,226 |
| Average total loans | $66,734,600 | 4,389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,462 |
| Cost of funding earning assets | 0.3935% | 4,874 |
| Net interest margin | 3.7856% | 2,698 |
| Noninterest income to average assets | 0.3535% | 4,869 |
| Noninterest expense to average assets | 3.8376% | 1,039 |
| Loan and lease loss provision to assets | -0.4491% | 6,820 |
| Net operating income to assets | 0.2897% | 5,651 |
| Return on assets (ROA) | 0.2897% | 5,757 |
| Pretax return on assets | 0.4216% | 5,571 |
| Return on Equity (ROE) | 3.1522% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.1522% | 4,425 |
| Net charge-offs to loans | -0.0540% | 6,340 |
| Credit loss provision to net charge-offs | 1,148.1481% | 270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7224% | 442 |
| Assets per employee ($millions) | 5.6169% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,007 |
| Loan loss allowance to noncurrent loans | 79.0816% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.1167% | 1,170 |
| Noncurrent loans to loans | 1.7380% | 2,584 |
| Net loans and leases to total assets | 74.2550% | 1,254 |
| Net loans and leases to deposits | 82.2716% | 2,107 |
| Net loans and leases to core deposits | 86.9417% | 2,291 |
| Total domestic deposits to total assets | 90.2559% | 861 |
| Equity capital to assets | 9.4103% | 4,661 |
| Core capital (leverage) ratio | 8.9676% | 5,172 |
| Tier 1 risk-based capital ratio | 13.7268% | 4,614 |
| Total risk-based capital ratio | 14.9799% | 4,569 |
| Memoranda: | ||
| Average total assets | $92,034,000 | 4,973 |
| Average earning assets | $84,034,500 | 4,974 |
| Average equity | $8,459,500 | 5,281 |
| Average total loans | $66,662,000 | 4,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,291 |
| Cost of funding earning assets | 0.4126% | 4,833 |
| Net interest margin | 3.8054% | 2,537 |
| Noninterest income to average assets | 0.2954% | 5,339 |
| Noninterest expense to average assets | 3.9588% | 908 |
| Loan and lease loss provision to assets | -0.6684% | 6,896 |
| Net operating income to assets | 0.3277% | 5,496 |
| Return on assets (ROA) | 0.3277% | 5,655 |
| Pretax return on assets | 0.4657% | 5,478 |
| Return on Equity (ROE) | 3.5932% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.5932% | 4,031 |
| Net charge-offs to loans | -0.0543% | 6,296 |
| Credit loss provision to net charge-offs | 1,722.2222% | 183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3961% | 358 |
| Assets per employee ($millions) | 5.1660% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,462 |
| Loan loss allowance to noncurrent loans | 74.0354% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 3.0853% | 1,302 |
| Noncurrent loans to loans | 1.7682% | 2,676 |
| Net loans and leases to total assets | 74.6677% | 1,149 |
| Net loans and leases to deposits | 82.7813% | 1,954 |
| Net loans and leases to core deposits | 88.0491% | 2,102 |
| Total domestic deposits to total assets | 90.1987% | 910 |
| Equity capital to assets | 9.0345% | 5,185 |
| Core capital (leverage) ratio | 8.9911% | 5,002 |
| Tier 1 risk-based capital ratio | 12.8523% | 5,256 |
| Total risk-based capital ratio | 14.1052% | 5,183 |
| Memoranda: | ||
| Average total assets | $92,755,330 | 4,992 |
| Average earning assets | $84,353,330 | 5,002 |
| Average equity | $8,460,330 | 5,323 |
| Average total loans | $66,328,330 | 4,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,313 |
| Cost of funding earning assets | 0.4364% | 4,738 |
| Net interest margin | 3.7615% | 2,608 |
| Noninterest income to average assets | 0.2418% | 5,726 |
| Noninterest expense to average assets | 3.8861% | 1,011 |
| Loan and lease loss provision to assets | -0.5397% | 6,961 |
| Net operating income to assets | 0.1943% | 5,914 |
| Return on assets (ROA) | 0.1943% | 6,023 |
| Pretax return on assets | 0.3195% | 5,814 |
| Return on Equity (ROE) | 2.1201% | 5,898 |
| Retained earnings to average equity (ytd only) | 2.1201% | 4,943 |
| Net charge-offs to loans | -0.0809% | 6,358 |
| Credit loss provision to net charge-offs | 961.5385% | 328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0071% | 396 |
| Assets per employee ($millions) | 4.7834% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 3,079 |
| Loan loss allowance to noncurrent loans | 86.2853% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 3.4395% | 1,244 |
| Noncurrent loans to loans | 1.9507% | 2,673 |
| Net loans and leases to total assets | 70.7598% | 1,548 |
| Net loans and leases to deposits | 78.2922% | 2,300 |
| Net loans and leases to core deposits | 83.3722% | 2,412 |
| Total domestic deposits to total assets | 90.3791% | 831 |
| Equity capital to assets | 9.3382% | 5,082 |
| Core capital (leverage) ratio | 8.7230% | 5,295 |
| Tier 1 risk-based capital ratio | 13.0328% | 5,193 |
| Total risk-based capital ratio | 14.2887% | 5,143 |
| Memoranda: | ||
| Average total assets | $92,639,000 | 5,035 |
| Average earning assets | $84,329,000 | 5,033 |
| Average equity | $8,490,000 | 5,362 |
| Average total loans | $64,316,000 | 4,552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 3,224 |
| Cost of funding earning assets | 0.5572% | 4,748 |
| Net interest margin | 3.9880% | 2,442 |
| Noninterest income to average assets | 0.6971% | 2,744 |
| Noninterest expense to average assets | 3.9876% | 991 |
| Loan and lease loss provision to assets | -0.1606% | 6,958 |
| Net operating income to assets | 0.2379% | 5,673 |
| Return on assets (ROA) | 0.2591% | 5,811 |
| Pretax return on assets | 0.4979% | 5,287 |
| Return on Equity (ROE) | 2.9149% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.9149% | 4,177 |
| Net charge-offs to loans | 0.4278% | 2,523 |
| Credit loss provision to net charge-offs | -55.7621% | 6,281 |
| Earnings coverage of net charge-offs (x) | 1.0558% | 4,935 |
| Efficiency ratio | 92.9142% | 868 |
| Assets per employee ($millions) | 4.9681% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,238 |
| Loan loss allowance to noncurrent loans | 69.5927% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.8869% | 1,121 |
| Noncurrent loans to loans | 2.7570% | 1,918 |
| Net loans and leases to total assets | 65.6913% | 2,578 |
| Net loans and leases to deposits | 72.4790% | 3,328 |
| Net loans and leases to core deposits | 77.0018% | 3,408 |
| Total domestic deposits to total assets | 90.6349% | 645 |
| Equity capital to assets | 8.9975% | 5,526 |
| Core capital (leverage) ratio | 8.5586% | 5,524 |
| Tier 1 risk-based capital ratio | 13.0588% | 5,068 |
| Total risk-based capital ratio | 14.3181% | 5,006 |
| Memoranda: | ||
| Average total assets | $93,389,200 | 4,996 |
| Average earning assets | $84,178,200 | 5,012 |
| Average equity | $8,302,200 | 5,418 |
| Average total loans | $62,874,400 | 4,601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 3,249 |
| Cost of funding earning assets | 0.5815% | 4,832 |
| Net interest margin | 4.0086% | 2,469 |
| Noninterest income to average assets | 0.7029% | 2,703 |
| Noninterest expense to average assets | 3.8751% | 1,099 |
| Loan and lease loss provision to assets | -0.2147% | 7,095 |
| Net operating income to assets | 0.3366% | 5,489 |
| Return on assets (ROA) | 0.3650% | 5,590 |
| Pretax return on assets | 0.6986% | 4,865 |
| Return on Equity (ROE) | 4.1188% | 5,247 |
| Retained earnings to average equity (ytd only) | 4.1188% | 4,005 |
| Net charge-offs to loans | 0.5818% | 1,882 |
| Credit loss provision to net charge-offs | -54.7445% | 6,190 |
| Earnings coverage of net charge-offs (x) | 1.1204% | 4,737 |
| Efficiency ratio | 89.8142% | 1,053 |
| Assets per employee ($millions) | 5.1975% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 2,487 |
| Loan loss allowance to noncurrent loans | 90.8271% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 3.4803% | 1,442 |
| Noncurrent loans to loans | 2.0888% | 2,755 |
| Net loans and leases to total assets | 66.7682% | 2,509 |
| Net loans and leases to deposits | 73.6563% | 3,348 |
| Net loans and leases to core deposits | 78.5496% | 3,382 |
| Total domestic deposits to total assets | 90.6483% | 541 |
| Equity capital to assets | 9.1283% | 5,675 |
| Core capital (leverage) ratio | 8.6509% | 5,552 |
| Tier 1 risk-based capital ratio | 12.8078% | 5,402 |
| Total risk-based capital ratio | 14.0671% | 5,357 |
| Memoranda: | ||
| Average total assets | $93,138,250 | 5,054 |
| Average earning assets | $83,916,750 | 5,076 |
| Average equity | $8,254,500 | 5,487 |
| Average total loans | $62,787,750 | 4,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 3,431 |
| Cost of funding earning assets | 0.6008% | 4,896 |
| Net interest margin | 3.9838% | 2,574 |
| Noninterest income to average assets | 0.2731% | 5,620 |
| Noninterest expense to average assets | 3.8559% | 1,135 |
| Loan and lease loss provision to assets | -0.3226% | 7,185 |
| Net operating income to assets | 0.0950% | 6,176 |
| Return on assets (ROA) | 0.1376% | 6,236 |
| Pretax return on assets | 0.4000% | 5,712 |
| Return on Equity (ROE) | 1.5688% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.5688% | 5,419 |
| Net charge-offs to loans | 0.8961% | 1,225 |
| Credit loss provision to net charge-offs | -53.5714% | 6,008 |
| Earnings coverage of net charge-offs (x) | 0.0179% | 5,073 |
| Efficiency ratio | 99.7219% | 572 |
| Assets per employee ($millions) | 4.8725% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 2,647 |
| Loan loss allowance to noncurrent loans | 183.7920% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 2.7868% | 1,976 |
| Noncurrent loans to loans | 1.0168% | 4,477 |
| Net loans and leases to total assets | 68.1760% | 2,263 |
| Net loans and leases to deposits | 74.9908% | 3,127 |
| Net loans and leases to core deposits | 78.8556% | 3,385 |
| Total domestic deposits to total assets | 90.9125% | 481 |
| Equity capital to assets | 8.8466% | 5,858 |
| Core capital (leverage) ratio | 8.3281% | 5,872 |
| Tier 1 risk-based capital ratio | 11.8817% | 6,006 |
| Total risk-based capital ratio | 13.1394% | 5,971 |
| Memoranda: | ||
| Average total assets | $92,999,330 | 5,092 |
| Average earning assets | $83,890,000 | 5,105 |
| Average equity | $8,159,330 | 5,523 |
| Average total loans | $62,492,670 | 4,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 3,514 |
| Cost of funding earning assets | 0.6384% | 4,830 |
| Net interest margin | 3.9589% | 2,672 |
| Noninterest income to average assets | 0.3304% | 5,219 |
| Noninterest expense to average assets | 3.9052% | 1,057 |
| Loan and lease loss provision to assets | -0.6437% | 7,270 |
| Net operating income to assets | 0.3783% | 5,355 |
| Return on assets (ROA) | 0.3948% | 5,467 |
| Pretax return on assets | 0.6609% | 4,908 |
| Return on Equity (ROE) | 4.5187% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.5187% | 3,870 |
| Net charge-offs to loans | 0.7275% | 1,391 |
| Credit loss provision to net charge-offs | -133.9286% | 5,534 |
| Earnings coverage of net charge-offs (x) | -0.0179% | 4,376 |
| Efficiency ratio | 100.2203% | 547 |
| Assets per employee ($millions) | 4.9209% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1738% | 1,939 |
| Loan loss allowance to noncurrent loans | 209.4801% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 2.7744% | 2,111 |
| Noncurrent loans to loans | 1.0377% | 4,614 |
| Net loans and leases to total assets | 65.9401% | 2,473 |
| Net loans and leases to deposits | 72.4678% | 3,358 |
| Net loans and leases to core deposits | 75.9392% | 3,626 |
| Total domestic deposits to total assets | 90.9922% | 562 |
| Equity capital to assets | 8.7350% | 5,830 |
| Core capital (leverage) ratio | 8.1769% | 6,059 |
| Tier 1 risk-based capital ratio | 12.1667% | 5,853 |
| Total risk-based capital ratio | 13.4410% | 5,806 |
| Memoranda: | ||
| Average total assets | $93,210,000 | 5,121 |
| Average earning assets | $83,962,500 | 5,139 |
| Average equity | $8,144,000 | 5,549 |
| Average total loans | $61,580,000 | 4,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 3,430 |
| Cost of funding earning assets | 0.7961% | 4,898 |
| Net interest margin | 4.0885% | 2,477 |
| Noninterest income to average assets | 0.4379% | 4,314 |
| Noninterest expense to average assets | 4.4264% | 630 |
| Loan and lease loss provision to assets | 0.0500% | 5,962 |
| Net operating income to assets | -0.1814% | 6,237 |
| Return on assets (ROA) | -0.1270% | 6,257 |
| Pretax return on assets | -0.2410% | 6,314 |
| Return on Equity (ROE) | -1.5522% | 6,301 |
| Retained earnings to average equity (ytd only) | -1.5522% | 6,098 |
| Net charge-offs to loans | 1.1901% | 1,415 |
| Credit loss provision to net charge-offs | 6.1805% | 6,034 |
| Earnings coverage of net charge-offs (x) | -0.3412% | 6,022 |
| Efficiency ratio | 106.6490% | 506 |
| Assets per employee ($millions) | 4.4249% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 1,068 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 3.1704% | 1,884 |
| Noncurrent loans to loans | 1.9156% | 3,323 |
| Net loans and leases to total assets | 62.9618% | 3,414 |
| Net loans and leases to deposits | 69.4153% | 4,214 |
| Net loans and leases to core deposits | 72.1477% | 4,503 |
| Total domestic deposits to total assets | 90.7031% | 628 |
| Equity capital to assets | 8.7395% | 5,859 |
| Core capital (leverage) ratio | 7.9296% | 6,323 |
| Tier 1 risk-based capital ratio | 12.9155% | 5,142 |
| Total risk-based capital ratio | 14.1851% | 5,105 |
| Memoranda: | ||
| Average total assets | $100,013,600 | 4,892 |
| Average earning assets | $90,815,200 | 4,901 |
| Average equity | $8,181,800 | 5,517 |
| Average total loans | $67,975,600 | 4,561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 3,311 |
| Cost of funding earning assets | 0.8179% | 5,026 |
| Net interest margin | 4.1357% | 2,326 |
| Noninterest income to average assets | 0.4768% | 4,067 |
| Noninterest expense to average assets | 4.5938% | 527 |
| Loan and lease loss provision to assets | 0.0589% | 5,705 |
| Net operating income to assets | -0.2292% | 6,416 |
| Return on assets (ROA) | -0.2292% | 6,493 |
| Pretax return on assets | -0.4139% | 6,577 |
| Return on Equity (ROE) | -2.8465% | 6,548 |
| Retained earnings to average equity (ytd only) | -2.8465% | 6,401 |
| Net charge-offs to loans | 1.2773% | 1,214 |
| Credit loss provision to net charge-offs | 6.7164% | 5,689 |
| Earnings coverage of net charge-offs (x) | -0.4045% | 5,802 |
| Efficiency ratio | 108.3745% | 459 |
| Assets per employee ($millions) | 4.8179% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7932% | 1,040 |
| Loan loss allowance to noncurrent loans | 151.1986% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0372% | 3,097 |
| Noncurrent loans to loans | 1.8474% | 3,570 |
| Net loans and leases to total assets | 63.7826% | 3,353 |
| Net loans and leases to deposits | 70.5963% | 4,202 |
| Net loans and leases to core deposits | 73.7971% | 4,477 |
| Total domestic deposits to total assets | 90.3484% | 697 |
| Equity capital to assets | 8.4405% | 6,357 |
| Core capital (leverage) ratio | 7.5908% | 6,704 |
| Tier 1 risk-based capital ratio | 12.5752% | 5,427 |
| Total risk-based capital ratio | 13.8462% | 5,389 |
| Memoranda: | ||
| Average total assets | $101,786,250 | 4,876 |
| Average earning assets | $92,589,250 | 4,879 |
| Average equity | $8,197,000 | 5,540 |
| Average total loans | $69,935,000 | 4,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 3,141 |
| Cost of funding earning assets | 0.8458% | 5,095 |
| Net interest margin | 4.1569% | 2,201 |
| Noninterest income to average assets | 0.4305% | 4,421 |
| Noninterest expense to average assets | 4.8033% | 436 |
| Loan and lease loss provision to assets | 0.0579% | 5,592 |
| Net operating income to assets | -0.3687% | 6,590 |
| Return on assets (ROA) | -0.3687% | 6,622 |
| Pretax return on assets | -0.6545% | 6,741 |
| Return on Equity (ROE) | -4.6481% | 6,690 |
| Retained earnings to average equity (ytd only) | -4.6481% | 6,536 |
| Net charge-offs to loans | 1.7708% | 801 |
| Credit loss provision to net charge-offs | 4.6948% | 5,293 |
| Earnings coverage of net charge-offs (x) | -0.4836% | 5,518 |
| Efficiency ratio | 114.1808% | 412 |
| Assets per employee ($millions) | 4.6877% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 1,256 |
| Loan loss allowance to noncurrent loans | 272.8943% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 4,007 |
| Noncurrent loans to loans | 0.9672% | 5,049 |
| Net loans and leases to total assets | 66.7723% | 2,867 |
| Net loans and leases to deposits | 73.6939% | 3,849 |
| Net loans and leases to core deposits | 77.2255% | 4,160 |
| Total domestic deposits to total assets | 90.6077% | 674 |
| Equity capital to assets | 8.2048% | 6,508 |
| Core capital (leverage) ratio | 7.4238% | 6,794 |
| Tier 1 risk-based capital ratio | 11.7074% | 6,002 |
| Total risk-based capital ratio | 12.9759% | 5,994 |
| Memoranda: | ||
| Average total assets | $103,596,000 | 4,868 |
| Average earning assets | $94,108,330 | 4,880 |
| Average equity | $8,218,330 | 5,543 |
| Average total loans | $72,171,670 | 4,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 3,556 |
| Cost of funding earning assets | 0.8709% | 5,126 |
| Net interest margin | 4.0354% | 2,541 |
| Noninterest income to average assets | 0.7573% | 2,230 |
| Noninterest expense to average assets | 3.7185% | 1,506 |
| Loan and lease loss provision to assets | 0.0565% | 5,294 |
| Net operating income to assets | 0.4257% | 4,821 |
| Return on assets (ROA) | 0.4257% | 4,914 |
| Pretax return on assets | 0.6480% | 4,496 |
| Return on Equity (ROE) | 5.4530% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.4530% | 2,933 |
| Net charge-offs to loans | 2.2658% | 532 |
| Credit loss provision to net charge-offs | 3.5545% | 4,447 |
| Earnings coverage of net charge-offs (x) | 0.4431% | 4,290 |
| Efficiency ratio | 84.0716% | 1,949 |
| Assets per employee ($millions) | 4.9707% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7462% | 1,159 |
| Loan loss allowance to noncurrent loans | 139.4238% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.9332% | 3,392 |
| Noncurrent loans to loans | 1.9697% | 3,613 |
| Net loans and leases to total assets | 67.3085% | 2,696 |
| Net loans and leases to deposits | 77.4258% | 3,167 |
| Net loans and leases to core deposits | 81.8509% | 3,475 |
| Total domestic deposits to total assets | 86.9330% | 2,981 |
| Equity capital to assets | 7.9916% | 6,503 |
| Core capital (leverage) ratio | 7.5339% | 6,707 |
| Tier 1 risk-based capital ratio | 11.4557% | 6,137 |
| Total risk-based capital ratio | 12.7252% | 6,104 |
| Memoranda: | ||
| Average total assets | $106,173,000 | 4,832 |
| Average earning assets | $96,446,500 | 4,840 |
| Average equity | $8,289,000 | 5,527 |
| Average total loans | $74,500,500 | 4,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 2,119 |
| Cost of funding earning assets | 1.1380% | 4,919 |
| Net interest margin | 4.4039% | 1,454 |
| Noninterest income to average assets | 0.4399% | 4,594 |
| Noninterest expense to average assets | 3.8539% | 1,383 |
| Loan and lease loss provision to assets | 1.0450% | 1,544 |
| Net operating income to assets | -0.2968% | 6,209 |
| Return on assets (ROA) | -0.2968% | 6,254 |
| Pretax return on assets | -0.4390% | 6,279 |
| Return on Equity (ROE) | -4.0072% | 6,356 |
| Retained earnings to average equity (ytd only) | -4.0072% | 6,202 |
| Net charge-offs to loans | 1.0405% | 2,123 |
| Credit loss provision to net charge-offs | 129.8013% | 3,073 |
| Earnings coverage of net charge-offs (x) | 0.7528% | 5,368 |
| Efficiency ratio | 86.4116% | 1,648 |
| Assets per employee ($millions) | 4.9073% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1150% | 790 |
| Loan loss allowance to noncurrent loans | 146.2385% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 2.7297% | 2,557 |
| Noncurrent loans to loans | 2.1301% | 3,395 |
| Net loans and leases to total assets | 68.8823% | 2,774 |
| Net loans and leases to deposits | 77.0441% | 3,675 |
| Net loans and leases to core deposits | 82.6950% | 3,791 |
| Total domestic deposits to total assets | 89.4064% | 1,437 |
| Equity capital to assets | 7.6287% | 6,796 |
| Core capital (leverage) ratio | 7.0143% | 7,021 |
| Tier 1 risk-based capital ratio | 10.6088% | 6,631 |
| Total risk-based capital ratio | 11.8842% | 6,580 |
| Memoranda: | ||
| Average total assets | $112,536,000 | 4,646 |
| Average earning assets | $102,728,000 | 4,651 |
| Average equity | $8,335,000 | 5,605 |
| Average total loans | $87,075,400 | 4,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 1,985 |
| Cost of funding earning assets | 1.1845% | 4,950 |
| Net interest margin | 4.4377% | 1,404 |
| Noninterest income to average assets | 0.5254% | 3,981 |
| Noninterest expense to average assets | 3.9643% | 1,094 |
| Loan and lease loss provision to assets | 1.2338% | 1,147 |
| Net operating income to assets | -0.4140% | 6,529 |
| Return on assets (ROA) | -0.4140% | 6,574 |
| Pretax return on assets | -0.6169% | 6,625 |
| Return on Equity (ROE) | -5.6300% | 6,693 |
| Retained earnings to average equity (ytd only) | -5.6300% | 6,602 |
| Net charge-offs to loans | 0.6573% | 2,790 |
| Credit loss provision to net charge-offs | 238.0090% | 1,417 |
| Earnings coverage of net charge-offs (x) | 1.1900% | 4,877 |
| Efficiency ratio | 86.5335% | 1,578 |
| Assets per employee ($millions) | 5.6703% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3359% | 613 |
| Loan loss allowance to noncurrent loans | 89.2484% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 3.3799% | 2,107 |
| Noncurrent loans to loans | 3.7378% | 2,073 |
| Net loans and leases to total assets | 69.7803% | 2,784 |
| Net loans and leases to deposits | 77.7564% | 3,872 |
| Net loans and leases to core deposits | 83.5075% | 4,021 |
| Total domestic deposits to total assets | 89.7422% | 1,002 |
| Equity capital to assets | 7.2580% | 7,244 |
| Core capital (leverage) ratio | 6.7417% | 7,274 |
| Tier 1 risk-based capital ratio | 9.9250% | 7,101 |
| Total risk-based capital ratio | 11.2030% | 7,078 |
| Memoranda: | ||
| Average total assets | $113,679,750 | 4,684 |
| Average earning assets | $103,895,500 | 4,675 |
| Average equity | $8,359,750 | 5,671 |
| Average total loans | $89,655,000 | 4,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 1,505 |
| Cost of funding earning assets | 1.2359% | 4,926 |
| Net interest margin | 4.5361% | 1,133 |
| Noninterest income to average assets | 0.8209% | 2,014 |
| Noninterest expense to average assets | 3.9377% | 1,126 |
| Loan and lease loss provision to assets | 1.7474% | 716 |
| Net operating income to assets | -0.4799% | 6,631 |
| Return on assets (ROA) | -0.4799% | 6,670 |
| Pretax return on assets | -0.7155% | 6,733 |
| Return on Equity (ROE) | -6.4979% | 6,802 |
| Retained earnings to average equity (ytd only) | -6.4979% | 6,696 |
| Net charge-offs to loans | 0.6612% | 2,559 |
| Credit loss provision to net charge-offs | 325.9016% | 1,126 |
| Earnings coverage of net charge-offs (x) | 1.9246% | 4,076 |
| Efficiency ratio | 79.2359% | 2,538 |
| Assets per employee ($millions) | 4.3695% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1550% | 730 |
| Loan loss allowance to noncurrent loans | 133.8733% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 2.1170% | 3,355 |
| Noncurrent loans to loans | 2.3567% | 3,308 |
| Net loans and leases to total assets | 75.9256% | 1,502 |
| Net loans and leases to deposits | 85.2239% | 2,654 |
| Net loans and leases to core deposits | 92.5643% | 2,909 |
| Total domestic deposits to total assets | 89.0895% | 1,386 |
| Equity capital to assets | 7.3077% | 7,221 |
| Core capital (leverage) ratio | 6.8866% | 7,246 |
| Tier 1 risk-based capital ratio | 9.2131% | 7,370 |
| Total risk-based capital ratio | 10.4887% | 7,358 |
| Memoranda: | ||
| Average total assets | $113,771,000 | 4,711 |
| Average earning assets | $104,053,670 | 4,692 |
| Average equity | $8,402,670 | 5,659 |
| Average total loans | $92,251,330 | 4,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 1,528 |
| Cost of funding earning assets | 1.3201% | 4,691 |
| Net interest margin | 4.4592% | 1,236 |
| Noninterest income to average assets | 1.4826% | 542 |
| Noninterest expense to average assets | 3.8822% | 1,204 |
| Loan and lease loss provision to assets | 2.9476% | 339 |
| Net operating income to assets | -0.8397% | 7,024 |
| Return on assets (ROA) | -0.8397% | 7,057 |
| Pretax return on assets | -1.2648% | 7,172 |
| Return on Equity (ROE) | -11.3096% | 7,181 |
| Retained earnings to average equity (ytd only) | -11.3096% | 7,030 |
| Net charge-offs to loans | 1.4109% | 1,222 |
| Credit loss provision to net charge-offs | 253.4743% | 1,527 |
| Earnings coverage of net charge-offs (x) | 1.4471% | 3,872 |
| Efficiency ratio | 69.7601% | 4,359 |
| Assets per employee ($millions) | 4.3313% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9154% | 884 |
| Loan loss allowance to noncurrent loans | 115.4083% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 2.3487% | 3,095 |
| Noncurrent loans to loans | 2.5262% | 3,150 |
| Net loans and leases to total assets | 77.7399% | 1,201 |
| Net loans and leases to deposits | 86.8822% | 2,430 |
| Net loans and leases to core deposits | 94.9255% | 2,713 |
| Total domestic deposits to total assets | 89.4773% | 1,255 |
| Equity capital to assets | 7.3943% | 7,144 |
| Core capital (leverage) ratio | 7.1874% | 7,111 |
| Tier 1 risk-based capital ratio | 9.6151% | 7,240 |
| Total risk-based capital ratio | 10.8873% | 7,228 |
| Memoranda: | ||
| Average total assets | $113,853,500 | 4,772 |
| Average earning assets | $104,233,500 | 4,753 |
| Average equity | $8,453,000 | 5,699 |
| Average total loans | $93,844,000 | 4,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0164% | 1,803 |
| Cost of funding earning assets | 1.8877% | 3,529 |
| Net interest margin | 4.1287% | 2,320 |
| Noninterest income to average assets | 0.2620% | 6,241 |
| Noninterest expense to average assets | 3.5090% | 2,352 |
| Loan and lease loss provision to assets | 1.2019% | 1,916 |
| Net operating income to assets | -0.3868% | 6,061 |
| Return on assets (ROA) | -0.3459% | 6,012 |
| Pretax return on assets | -0.5551% | 6,060 |
| Return on Equity (ROE) | -4.5606% | 6,175 |
| Retained earnings to average equity (ytd only) | -4.5606% | 5,966 |
| Net charge-offs to loans | 0.7717% | 2,895 |
| Credit loss provision to net charge-offs | 187.0794% | 2,163 |
| Earnings coverage of net charge-offs (x) | 0.9071% | 5,204 |
| Efficiency ratio | 85.7566% | 2,143 |
| Assets per employee ($millions) | 4.2627% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 1,694 |
| Loan loss allowance to noncurrent loans | 152.4802% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.5275% | 4,088 |
| Noncurrent loans to loans | 1.4265% | 4,538 |
| Net loans and leases to total assets | 82.8825% | 559 |
| Net loans and leases to deposits | 93.3632% | 1,682 |
| Net loans and leases to core deposits | 120.4460% | 1,918 |
| Total domestic deposits to total assets | 88.7743% | 1,584 |
| Equity capital to assets | 7.4540% | 7,068 |
| Core capital (leverage) ratio | 7.2406% | 7,038 |
| Tier 1 risk-based capital ratio | 9.5215% | 7,211 |
| Total risk-based capital ratio | 10.7846% | 7,180 |
| Memoranda: | ||
| Average total assets | $115,645,800 | 4,685 |
| Average earning assets | $107,272,800 | 4,648 |
| Average equity | $8,770,800 | 5,672 |
| Average total loans | $96,278,200 | 4,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0063% | 2,010 |
| Cost of funding earning assets | 1.9715% | 3,508 |
| Net interest margin | 4.0348% | 2,658 |
| Noninterest income to average assets | 0.2741% | 6,271 |
| Noninterest expense to average assets | 3.4040% | 2,565 |
| Loan and lease loss provision to assets | 1.4970% | 1,281 |
| Net operating income to assets | -0.5496% | 6,478 |
| Return on assets (ROA) | -0.5297% | 6,458 |
| Pretax return on assets | -0.8464% | 6,568 |
| Return on Equity (ROE) | -6.9547% | 6,653 |
| Retained earnings to average equity (ytd only) | -6.9547% | 6,501 |
| Net charge-offs to loans | 1.0322% | 1,910 |
| Credit loss provision to net charge-offs | 174.9664% | 2,646 |
| Earnings coverage of net charge-offs (x) | 0.7241% | 5,311 |
| Efficiency ratio | 84.6022% | 2,233 |
| Assets per employee ($millions) | 4.7870% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0590% | 1,673 |
| Loan loss allowance to noncurrent loans | 80.5633% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1065% | 3,206 |
| Noncurrent loans to loans | 2.5557% | 2,957 |
| Net loans and leases to total assets | 80.7271% | 1,036 |
| Net loans and leases to deposits | 92.6466% | 2,125 |
| Net loans and leases to core deposits | 123.4661% | 1,952 |
| Total domestic deposits to total assets | 87.1344% | 2,111 |
| Equity capital to assets | 7.1769% | 7,504 |
| Core capital (leverage) ratio | 7.0414% | 7,407 |
| Tier 1 risk-based capital ratio | 9.0691% | 7,593 |
| Total risk-based capital ratio | 10.3301% | 7,598 |
| Memoranda: | ||
| Average total assets | $115,784,000 | 4,703 |
| Average earning assets | $107,595,500 | 4,661 |
| Average equity | $8,818,750 | 5,711 |
| Average total loans | $95,969,500 | 4,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9981% | 2,187 |
| Cost of funding earning assets | 2.0044% | 3,754 |
| Net interest margin | 3.9937% | 2,720 |
| Noninterest income to average assets | 0.2708% | 6,331 |
| Noninterest expense to average assets | 3.3174% | 2,887 |
| Loan and lease loss provision to assets | 2.1138% | 753 |
| Net operating income to assets | -0.9114% | 6,907 |
| Return on assets (ROA) | -0.8857% | 6,902 |
| Pretax return on assets | -1.4133% | 7,043 |
| Return on Equity (ROE) | -11.3992% | 7,134 |
| Retained earnings to average equity (ytd only) | -11.3992% | 6,999 |
| Net charge-offs to loans | 1.3715% | 1,366 |
| Credit loss provision to net charge-offs | 185.5828% | 2,467 |
| Earnings coverage of net charge-offs (x) | 0.5798% | 5,132 |
| Efficiency ratio | 83.3992% | 2,554 |
| Assets per employee ($millions) | 4.6531% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 1,472 |
| Loan loss allowance to noncurrent loans | 116.6475% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 4,088 |
| Noncurrent loans to loans | 1.7622% | 3,863 |
| Net loans and leases to total assets | 80.0314% | 1,308 |
| Net loans and leases to deposits | 91.2735% | 2,607 |
| Net loans and leases to core deposits | 121.0805% | 2,269 |
| Total domestic deposits to total assets | 87.6831% | 1,936 |
| Equity capital to assets | 7.0474% | 7,585 |
| Core capital (leverage) ratio | 7.3140% | 7,224 |
| Tier 1 risk-based capital ratio | 9.0384% | 7,681 |
| Total risk-based capital ratio | 10.2968% | 7,686 |
| Memoranda: | ||
| Average total assets | $114,486,670 | 4,761 |
| Average earning assets | $106,266,330 | 4,715 |
| Average equity | $8,895,330 | 5,720 |
| Average total loans | $95,078,670 | 4,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0289% | 2,242 |
| Cost of funding earning assets | 2.0534% | 3,853 |
| Net interest margin | 3.9755% | 2,754 |
| Noninterest income to average assets | 0.2697% | 6,281 |
| Noninterest expense to average assets | 3.1320% | 3,261 |
| Loan and lease loss provision to assets | 0.2697% | 3,804 |
| Net operating income to assets | 0.3606% | 5,017 |
| Return on assets (ROA) | 0.4135% | 4,983 |
| Pretax return on assets | 0.6544% | 4,577 |
| Return on Equity (ROE) | 5.0661% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.0661% | 3,083 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8235% | 3,028 |
| Assets per employee ($millions) | 4.8753% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 2,354 |
| Loan loss allowance to noncurrent loans | 63.8237% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7583% | 2,056 |
| Noncurrent loans to loans | 2.5694% | 2,567 |
| Net loans and leases to total assets | 82.8561% | 877 |
| Net loans and leases to deposits | 96.1502% | 1,919 |
| Net loans and leases to core deposits | 124.2232% | 2,065 |
| Total domestic deposits to total assets | 86.1736% | 2,624 |
| Equity capital to assets | 8.1671% | 6,571 |
| Core capital (leverage) ratio | 8.2481% | 6,004 |
| Tier 1 risk-based capital ratio | 10.2074% | 6,710 |
| Total risk-based capital ratio | 11.4638% | 6,613 |
| Memoranda: | ||
| Average total assets | $111,240,000 | 4,871 |
| Average earning assets | $103,635,000 | 4,817 |
| Average equity | $9,080,000 | 5,678 |
| Average total loans | $93,191,000 | 4,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3991% | 3,423 |
| Cost of funding earning assets | 2.6011% | 3,679 |
| Net interest margin | 3.7980% | 4,028 |
| Noninterest income to average assets | 0.3158% | 6,192 |
| Noninterest expense to average assets | 2.9774% | 4,164 |
| Loan and lease loss provision to assets | 0.1734% | 5,168 |
| Net operating income to assets | 0.4491% | 4,956 |
| Return on assets (ROA) | 0.4491% | 4,779 |
| Pretax return on assets | 0.7129% | 4,358 |
| Return on Equity (ROE) | 5.6232% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.6232% | 1,700 |
| Net charge-offs to loans | 0.1781% | 4,414 |
| Credit loss provision to net charge-offs | 118.0124% | 4,561 |
| Earnings coverage of net charge-offs (x) | 6.0311% | 3,460 |
| Efficiency ratio | 77.0612% | 3,067 |
| Assets per employee ($millions) | 5.0158% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 2,228 |
| Loan loss allowance to noncurrent loans | 60.5836% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2049% | 2,214 |
| Noncurrent loans to loans | 2.6468% | 2,049 |
| Net loans and leases to total assets | 81.9687% | 1,237 |
| Net loans and leases to deposits | 93.7257% | 2,817 |
| Net loans and leases to core deposits | 121.5775% | 2,548 |
| Total domestic deposits to total assets | 87.4559% | 1,725 |
| Equity capital to assets | 8.1579% | 6,621 |
| Core capital (leverage) ratio | 8.0702% | 6,374 |
| Tier 1 risk-based capital ratio | 10.3814% | 6,334 |
| Total risk-based capital ratio | 11.6362% | 6,205 |
| Memoranda: | ||
| Average total assets | $109,558,800 | 4,800 |
| Average earning assets | $102,342,000 | 4,732 |
| Average equity | $8,749,400 | 5,831 |
| Average total loans | $90,411,000 | 4,214 |