Home > Home Savings Bank > Performance and Condition Ratios
Home Savings Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 3,464 |
| Cost of funding earning assets | 0.5060% | 2,055 |
| Net interest margin | 3.4349% | 3,739 |
| Noninterest income to average assets | -0.7306% | 6,054 |
| Noninterest expense to average assets | 5.1393% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.9308% | 6,032 |
| Return on assets (ROA) | -2.9308% | 6,033 |
| Pretax return on assets | -2.9391% | 6,031 |
| Return on Equity (ROE) | -47.0981% | 6,045 |
| Retained earnings to average equity (ytd only) | -47.0981% | 6,034 |
| Net charge-offs to loans | -0.0220% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 233.5849% | 13 |
| Assets per employee ($millions) | 3.4054% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,617 |
| Loan loss allowance to noncurrent loans | 51.0791% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.9810% | 228 |
| Noncurrent loans to loans | 2.2592% | 822 |
| Net loans and leases to total assets | 76.5375% | 1,408 |
| Net loans and leases to deposits | 81.0925% | 2,804 |
| Net loans and leases to core deposits | 82.7213% | 3,203 |
| Total domestic deposits to total assets | 94.3829% | 15 |
| Equity capital to assets | 5.4157% | 6,023 |
| Core capital (leverage) ratio | 5.3807% | 6,019 |
| Tier 1 risk-based capital ratio | 9.3206% | 5,976 |
| Total risk-based capital ratio | 10.5696% | 5,963 |
| Memoranda: | ||
| Average total assets | $24,088,670 | 5,922 |
| Average earning assets | $20,553,670 | 5,929 |
| Average equity | $1,499,000 | 6,030 |
| Average total loans | $18,206,000 | 5,696 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,637 |
| Cost of funding earning assets | 0.5026% | 2,085 |
| Net interest margin | 3.3831% | 3,927 |
| Noninterest income to average assets | 0.1982% | 5,317 |
| Noninterest expense to average assets | 4.4272% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.3381% | 6,050 |
| Return on assets (ROA) | -1.3381% | 6,053 |
| Pretax return on assets | -1.3381% | 6,044 |
| Return on Equity (ROE) | -20.2121% | 6,070 |
| Retained earnings to average equity (ytd only) | -20.2121% | 5,969 |
| Net charge-offs to loans | -0.0221% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.3155% | 50 |
| Assets per employee ($millions) | 3.4376% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,656 |
| Loan loss allowance to noncurrent loans | 49.7653% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 7.0606% | 87 |
| Noncurrent loans to loans | 2.3527% | 838 |
| Net loans and leases to total assets | 74.3673% | 1,674 |
| Net loans and leases to deposits | 79.7318% | 2,832 |
| Net loans and leases to core deposits | 82.2683% | 3,110 |
| Total domestic deposits to total assets | 93.2718% | 37 |
| Equity capital to assets | 6.4913% | 6,045 |
| Core capital (leverage) ratio | 6.4156% | 6,038 |
| Tier 1 risk-based capital ratio | 10.8510% | 5,579 |
| Total risk-based capital ratio | 12.1014% | 5,491 |
| Memoranda: | ||
| Average total assets | $24,214,000 | 5,980 |
| Average earning assets | $20,691,000 | 5,990 |
| Average equity | $1,603,000 | 6,085 |
| Average total loans | $18,080,000 | 5,748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 3,769 |
| Cost of funding earning assets | 0.5106% | 2,066 |
| Net interest margin | 3.3716% | 4,030 |
| Noninterest income to average assets | 0.4429% | 3,726 |
| Noninterest expense to average assets | 4.2878% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.8334% | 6,090 |
| Return on assets (ROA) | -0.8334% | 6,090 |
| Pretax return on assets | -1.0267% | 6,100 |
| Return on Equity (ROE) | -10.1790% | 6,102 |
| Retained earnings to average equity (ytd only) | -10.1790% | 6,038 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4815% | 65 |
| Assets per employee ($millions) | 3.5209% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,654 |
| Loan loss allowance to noncurrent loans | 40.9709% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 7.3359% | 92 |
| Noncurrent loans to loans | 2.8527% | 588 |
| Net loans and leases to total assets | 72.3931% | 1,983 |
| Net loans and leases to deposits | 78.8074% | 2,961 |
| Net loans and leases to core deposits | 81.2847% | 3,219 |
| Total domestic deposits to total assets | 91.8607% | 122 |
| Equity capital to assets | 7.8106% | 5,916 |
| Core capital (leverage) ratio | 6.6366% | 6,082 |
| Tier 1 risk-based capital ratio | 11.0858% | 5,474 |
| Total risk-based capital ratio | 12.3505% | 5,371 |
| Memoranda: | ||
| Average total assets | $24,837,800 | 6,029 |
| Average earning assets | $20,761,600 | 6,047 |
| Average equity | $2,033,600 | 6,094 |
| Average total loans | $17,953,000 | 5,794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 3,786 |
| Cost of funding earning assets | 0.5083% | 2,137 |
| Net interest margin | 3.3778% | 4,040 |
| Noninterest income to average assets | 0.4875% | 3,465 |
| Noninterest expense to average assets | 4.2326% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.7501% | 6,170 |
| Return on assets (ROA) | -0.7501% | 6,170 |
| Pretax return on assets | -0.9322% | 6,181 |
| Return on Equity (ROE) | -9.0579% | 6,174 |
| Retained earnings to average equity (ytd only) | -9.0579% | 6,112 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.2468% | 75 |
| Assets per employee ($millions) | 3.0858% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 3,587 |
| Loan loss allowance to noncurrent loans | 41.2916% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 7.3078% | 101 |
| Noncurrent loans to loans | 2.9312% | 618 |
| Net loans and leases to total assets | 69.7642% | 2,424 |
| Net loans and leases to deposits | 76.1631% | 3,282 |
| Net loans and leases to core deposits | 78.5568% | 3,556 |
| Total domestic deposits to total assets | 91.5985% | 142 |
| Equity capital to assets | 8.0694% | 5,936 |
| Core capital (leverage) ratio | 6.9607% | 6,133 |
| Tier 1 risk-based capital ratio | 12.1444% | 4,998 |
| Total risk-based capital ratio | 13.4126% | 4,889 |
| Memoranda: | ||
| Average total assets | $24,885,750 | 6,113 |
| Average earning assets | $20,722,750 | 6,133 |
| Average equity | $2,060,750 | 6,178 |
| Average total loans | $17,928,000 | 5,865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,775 |
| Cost of funding earning assets | 0.4981% | 2,269 |
| Net interest margin | 3.3816% | 3,966 |
| Noninterest income to average assets | 0.4889% | 3,452 |
| Noninterest expense to average assets | 4.2401% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7374% | 6,231 |
| Return on assets (ROA) | -0.7374% | 6,236 |
| Pretax return on assets | -0.9218% | 6,248 |
| Return on Equity (ROE) | -8.8306% | 6,247 |
| Retained earnings to average equity (ytd only) | -8.8306% | 6,153 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7778% | 84 |
| Assets per employee ($millions) | 3.5619% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,894 |
| Loan loss allowance to noncurrent loans | 36.1921% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 7.5242% | 103 |
| Noncurrent loans to loans | 3.2672% | 568 |
| Net loans and leases to total assets | 70.7215% | 2,203 |
| Net loans and leases to deposits | 77.2429% | 3,125 |
| Net loans and leases to core deposits | 79.6396% | 3,430 |
| Total domestic deposits to total assets | 91.5574% | 175 |
| Equity capital to assets | 8.1819% | 5,889 |
| Core capital (leverage) ratio | 7.1913% | 6,154 |
| Tier 1 risk-based capital ratio | 12.4347% | 4,854 |
| Total risk-based capital ratio | 13.6986% | 4,755 |
| Memoranda: | ||
| Average total assets | $24,952,330 | 6,187 |
| Average earning assets | $20,877,670 | 6,197 |
| Average equity | $2,083,670 | 6,249 |
| Average total loans | $18,093,000 | 5,920 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,743 |
| Cost of funding earning assets | 0.4958% | 2,328 |
| Net interest margin | 3.3750% | 3,935 |
| Noninterest income to average assets | 0.6089% | 2,598 |
| Noninterest expense to average assets | 4.4227% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.8493% | 6,306 |
| Return on assets (ROA) | -0.8493% | 6,311 |
| Pretax return on assets | -0.9775% | 6,309 |
| Return on Equity (ROE) | -10.0689% | 6,319 |
| Retained earnings to average equity (ytd only) | -10.0689% | 6,137 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3721% | 90 |
| Assets per employee ($millions) | 3.5683% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,078 |
| Loan loss allowance to noncurrent loans | 36.0684% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 7.5186% | 112 |
| Noncurrent loans to loans | 3.2751% | 620 |
| Net loans and leases to total assets | 70.6662% | 2,043 |
| Net loans and leases to deposits | 77.2743% | 2,914 |
| Net loans and leases to core deposits | 78.7745% | 3,298 |
| Total domestic deposits to total assets | 91.4485% | 242 |
| Equity capital to assets | 8.3233% | 5,853 |
| Core capital (leverage) ratio | 7.4599% | 6,156 |
| Tier 1 risk-based capital ratio | 12.6669% | 4,803 |
| Total risk-based capital ratio | 13.9182% | 4,719 |
| Memoranda: | ||
| Average total assets | $24,962,000 | 6,254 |
| Average earning assets | $20,978,000 | 6,261 |
| Average equity | $2,105,500 | 6,311 |
| Average total loans | $18,217,500 | 5,967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,414 |
| Cost of funding earning assets | 0.5204% | 2,485 |
| Net interest margin | 3.3037% | 4,544 |
| Noninterest income to average assets | -0.0310% | 6,422 |
| Noninterest expense to average assets | 4.2642% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.2327% | 6,404 |
| Return on assets (ROA) | -1.2327% | 6,406 |
| Pretax return on assets | -1.5390% | 6,420 |
| Return on Equity (ROE) | -14.0621% | 6,406 |
| Retained earnings to average equity (ytd only) | -14.0621% | 6,377 |
| Net charge-offs to loans | 0.0053% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -397.0000% | 4,965 |
| Efficiency ratio | 156.4723% | 44 |
| Assets per employee ($millions) | 3.5637% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 4,359 |
| Loan loss allowance to noncurrent loans | 39.9621% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 7.2998% | 135 |
| Noncurrent loans to loans | 2.8428% | 815 |
| Net loans and leases to total assets | 73.6070% | 1,653 |
| Net loans and leases to deposits | 80.6270% | 2,653 |
| Net loans and leases to core deposits | 82.1934% | 3,084 |
| Total domestic deposits to total assets | 91.2932% | 274 |
| Equity capital to assets | 8.5465% | 5,704 |
| Core capital (leverage) ratio | 7.6543% | 6,149 |
| Tier 1 risk-based capital ratio | 13.7118% | 4,292 |
| Total risk-based capital ratio | 14.9518% | 4,231 |
| Memoranda: | ||
| Average total assets | $25,796,200 | 6,327 |
| Average earning assets | $21,521,400 | 6,342 |
| Average equity | $2,261,400 | 6,376 |
| Average total loans | $18,751,200 | 6,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,601 |
| Cost of funding earning assets | 0.5255% | 2,510 |
| Net interest margin | 3.2580% | 4,772 |
| Noninterest income to average assets | -0.1999% | 6,557 |
| Noninterest expense to average assets | 4.3369% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.5994% | 6,509 |
| Return on assets (ROA) | -1.5994% | 6,506 |
| Pretax return on assets | -1.8352% | 6,511 |
| Return on Equity (ROE) | -18.1358% | 6,499 |
| Retained earnings to average equity (ytd only) | -18.1358% | 6,475 |
| Net charge-offs to loans | 0.0213% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -119.3300% | 4,687 |
| Efficiency ratio | 173.3607% | 33 |
| Assets per employee ($millions) | 3.1848% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 4,582 |
| Loan loss allowance to noncurrent loans | 38.6322% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 7.1984% | 159 |
| Noncurrent loans to loans | 2.9378% | 914 |
| Net loans and leases to total assets | 71.4577% | 1,941 |
| Net loans and leases to deposits | 78.2717% | 2,918 |
| Net loans and leases to core deposits | 83.2731% | 2,966 |
| Total domestic deposits to total assets | 91.2945% | 283 |
| Equity capital to assets | 8.3916% | 5,881 |
| Core capital (leverage) ratio | 7.6412% | 6,233 |
| Tier 1 risk-based capital ratio | 14.1042% | 4,141 |
| Total risk-based capital ratio | 15.3458% | 4,083 |
| Memoranda: | ||
| Average total assets | $26,008,750 | 6,402 |
| Average earning assets | $21,566,750 | 6,418 |
| Average equity | $2,293,750 | 6,448 |
| Average total loans | $18,795,750 | 6,068 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,556 |
| Cost of funding earning assets | 0.5259% | 2,577 |
| Net interest margin | 3.2663% | 4,714 |
| Noninterest income to average assets | -0.0153% | 6,574 |
| Noninterest expense to average assets | 4.3917% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.5123% | 6,573 |
| Return on assets (ROA) | -1.5123% | 6,572 |
| Pretax return on assets | -1.7032% | 6,574 |
| Return on Equity (ROE) | -16.8822% | 6,565 |
| Retained earnings to average equity (ytd only) | -16.8822% | 6,516 |
| Net charge-offs to loans | 0.0423% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -55.7500% | 4,357 |
| Efficiency ratio | 163.3523% | 46 |
| Assets per employee ($millions) | 2.8710% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 4,802 |
| Loan loss allowance to noncurrent loans | 37.8871% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 7.3687% | 162 |
| Noncurrent loans to loans | 2.9631% | 992 |
| Net loans and leases to total assets | 70.9006% | 1,930 |
| Net loans and leases to deposits | 77.8746% | 2,815 |
| Net loans and leases to core deposits | 81.0871% | 3,090 |
| Total domestic deposits to total assets | 91.0445% | 404 |
| Equity capital to assets | 8.7155% | 5,603 |
| Core capital (leverage) ratio | 8.0465% | 6,061 |
| Tier 1 risk-based capital ratio | 14.9706% | 3,656 |
| Total risk-based capital ratio | 16.2109% | 3,599 |
| Memoranda: | ||
| Average total assets | $26,185,670 | 6,464 |
| Average earning assets | $21,676,000 | 6,478 |
| Average equity | $2,345,670 | 6,500 |
| Average total loans | $18,922,670 | 6,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,564 |
| Cost of funding earning assets | 0.5299% | 2,606 |
| Net interest margin | 3.2526% | 4,735 |
| Noninterest income to average assets | -0.3035% | 6,699 |
| Noninterest expense to average assets | 4.5222% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.7451% | 6,647 |
| Return on assets (ROA) | -1.7451% | 6,643 |
| Pretax return on assets | -2.1245% | 6,649 |
| Return on Equity (ROE) | -19.2268% | 6,624 |
| Retained earnings to average equity (ytd only) | -19.2268% | 6,520 |
| Net charge-offs to loans | -0.0418% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.6076% | 33 |
| Assets per employee ($millions) | 2.9176% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,020 |
| Loan loss allowance to noncurrent loans | 32.7217% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 8.4012% | 151 |
| Noncurrent loans to loans | 3.4284% | 866 |
| Net loans and leases to total assets | 71.8333% | 1,602 |
| Net loans and leases to deposits | 79.2454% | 2,399 |
| Net loans and leases to core deposits | 83.4233% | 2,581 |
| Total domestic deposits to total assets | 90.6467% | 710 |
| Equity capital to assets | 8.8925% | 5,235 |
| Core capital (leverage) ratio | 8.2390% | 5,900 |
| Tier 1 risk-based capital ratio | 14.8169% | 3,802 |
| Total risk-based capital ratio | 16.0585% | 3,766 |
| Memoranda: | ||
| Average total assets | $26,359,000 | 6,528 |
| Average earning assets | $21,890,500 | 6,545 |
| Average equity | $2,392,500 | 6,555 |
| Average total loans | $19,120,000 | 6,172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 4,722 |
| Cost of funding earning assets | 0.6573% | 2,150 |
| Net interest margin | 3.1673% | 5,101 |
| Noninterest income to average assets | 0.7785% | 2,174 |
| Noninterest expense to average assets | 4.0005% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3604% | 6,444 |
| Return on assets (ROA) | -0.3604% | 6,458 |
| Pretax return on assets | -0.6343% | 6,520 |
| Return on Equity (ROE) | -4.0077% | 6,457 |
| Retained earnings to average equity (ytd only) | -4.0077% | 6,320 |
| Net charge-offs to loans | 0.3503% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.4789% | 5,339 |
| Efficiency ratio | 118.8437% | 188 |
| Assets per employee ($millions) | 3.3075% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,117 |
| Loan loss allowance to noncurrent loans | 29.8592% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 10.0491% | 126 |
| Noncurrent loans to loans | 3.7049% | 816 |
| Net loans and leases to total assets | 71.6251% | 1,750 |
| Net loans and leases to deposits | 79.0523% | 2,580 |
| Net loans and leases to core deposits | 80.4927% | 3,065 |
| Total domestic deposits to total assets | 90.6047% | 745 |
| Equity capital to assets | 9.2593% | 4,736 |
| Core capital (leverage) ratio | 8.6968% | 5,420 |
| Tier 1 risk-based capital ratio | 15.2977% | 3,484 |
| Total risk-based capital ratio | 16.5418% | 3,440 |
| Memoranda: | ||
| Average total assets | $27,746,800 | 6,566 |
| Average earning assets | $22,669,400 | 6,605 |
| Average equity | $2,495,200 | 6,631 |
| Average total loans | $20,268,200 | 6,189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 4,823 |
| Cost of funding earning assets | 0.6825% | 2,082 |
| Net interest margin | 3.1265% | 5,246 |
| Noninterest income to average assets | 0.8265% | 2,025 |
| Noninterest expense to average assets | 3.9949% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3420% | 6,544 |
| Return on assets (ROA) | -0.3420% | 6,558 |
| Pretax return on assets | -0.6223% | 6,628 |
| Return on Equity (ROE) | -3.8300% | 6,565 |
| Retained earnings to average equity (ytd only) | -3.8300% | 6,430 |
| Net charge-offs to loans | 0.4153% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.0469% | 5,083 |
| Efficiency ratio | 118.4507% | 184 |
| Assets per employee ($millions) | 2.9750% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,100 |
| Loan loss allowance to noncurrent loans | 26.8712% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 10.3231% | 128 |
| Noncurrent loans to loans | 4.2951% | 791 |
| Net loans and leases to total assets | 70.0504% | 1,956 |
| Net loans and leases to deposits | 77.4945% | 2,741 |
| Net loans and leases to core deposits | 78.8896% | 3,242 |
| Total domestic deposits to total assets | 90.3940% | 790 |
| Equity capital to assets | 9.2549% | 4,855 |
| Core capital (leverage) ratio | 8.7539% | 5,472 |
| Tier 1 risk-based capital ratio | 15.8831% | 3,262 |
| Total risk-based capital ratio | 17.1300% | 3,209 |
| Memoranda: | ||
| Average total assets | $28,068,500 | 6,639 |
| Average earning assets | $22,858,000 | 6,677 |
| Average equity | $2,506,500 | 6,704 |
| Average total loans | $20,544,250 | 6,238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,959 |
| Cost of funding earning assets | 0.7142% | 1,966 |
| Net interest margin | 3.0463% | 5,442 |
| Noninterest income to average assets | 0.5825% | 3,305 |
| Noninterest expense to average assets | 3.7334% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4491% | 6,618 |
| Return on assets (ROA) | -0.4491% | 6,637 |
| Pretax return on assets | -0.6667% | 6,681 |
| Return on Equity (ROE) | -5.0874% | 6,644 |
| Retained earnings to average equity (ytd only) | -5.0874% | 6,465 |
| Net charge-offs to loans | 0.6171% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.4615% | 4,742 |
| Efficiency ratio | 121.7391% | 168 |
| Assets per employee ($millions) | 3.0359% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,511 |
| Loan loss allowance to noncurrent loans | 13.9923% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 10.0465% | 146 |
| Noncurrent loans to loans | 7.7382% | 274 |
| Net loans and leases to total assets | 72.8910% | 1,423 |
| Net loans and leases to deposits | 80.4199% | 2,267 |
| Net loans and leases to core deposits | 81.8309% | 2,817 |
| Total domestic deposits to total assets | 90.6379% | 687 |
| Equity capital to assets | 9.0986% | 5,102 |
| Core capital (leverage) ratio | 8.7043% | 5,414 |
| Tier 1 risk-based capital ratio | 16.0054% | 3,192 |
| Total risk-based capital ratio | 17.2558% | 3,133 |
| Memoranda: | ||
| Average total assets | $28,499,670 | 6,680 |
| Average earning assets | $23,241,330 | 6,715 |
| Average equity | $2,516,000 | 6,748 |
| Average total loans | $21,067,330 | 6,247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 5,225 |
| Cost of funding earning assets | 0.7600% | 1,778 |
| Net interest margin | 2.9216% | 5,768 |
| Noninterest income to average assets | 0.4950% | 3,802 |
| Noninterest expense to average assets | 3.6441% | 1,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5226% | 6,682 |
| Return on assets (ROA) | -0.5226% | 6,707 |
| Pretax return on assets | -0.7701% | 6,751 |
| Return on Equity (ROE) | -6.0055% | 6,720 |
| Retained earnings to average equity (ytd only) | -6.0055% | 6,420 |
| Net charge-offs to loans | 0.0372% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -28.0000% | 4,132 |
| Efficiency ratio | 126.7943% | 170 |
| Assets per employee ($millions) | 3.1090% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,561 |
| Loan loss allowance to noncurrent loans | 14.9947% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 10.0854% | 187 |
| Noncurrent loans to loans | 8.8609% | 273 |
| Net loans and leases to total assets | 74.5792% | 1,000 |
| Net loans and leases to deposits | 82.0832% | 1,817 |
| Net loans and leases to core deposits | 83.4820% | 2,392 |
| Total domestic deposits to total assets | 90.8581% | 588 |
| Equity capital to assets | 8.9775% | 5,511 |
| Core capital (leverage) ratio | 8.6347% | 5,411 |
| Tier 1 risk-based capital ratio | 15.7640% | 3,390 |
| Total risk-based capital ratio | 17.0214% | 3,346 |
| Memoranda: | ||
| Average total assets | $29,088,000 | 6,738 |
| Average earning assets | $23,685,500 | 6,772 |
| Average equity | $2,531,000 | 6,806 |
| Average total loans | $21,534,000 | 6,288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 5,358 |
| Cost of funding earning assets | 1.0240% | 1,232 |
| Net interest margin | 2.9619% | 6,118 |
| Noninterest income to average assets | 0.6279% | 3,123 |
| Noninterest expense to average assets | 3.4005% | 2,048 |
| Loan and lease loss provision to assets | 0.0515% | 5,168 |
| Net operating income to assets | -0.2930% | 6,433 |
| Return on assets (ROA) | -0.2930% | 6,490 |
| Pretax return on assets | -0.4025% | 6,527 |
| Return on Equity (ROE) | -3.4887% | 6,520 |
| Retained earnings to average equity (ytd only) | -3.4887% | 6,305 |
| Net charge-offs to loans | 0.2377% | 3,513 |
| Credit loss provision to net charge-offs | 29.0909% | 5,132 |
| Earnings coverage of net charge-offs (x) | -1.9818% | 5,832 |
| Efficiency ratio | 111.5100% | 311 |
| Assets per employee ($millions) | 3.3550% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,677 |
| Loan loss allowance to noncurrent loans | 15.0933% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 9.3492% | 251 |
| Noncurrent loans to loans | 8.5542% | 322 |
| Net loans and leases to total assets | 71.6542% | 1,542 |
| Net loans and leases to deposits | 78.3658% | 2,479 |
| Net loans and leases to core deposits | 81.8646% | 2,789 |
| Total domestic deposits to total assets | 91.4357% | 355 |
| Equity capital to assets | 8.4451% | 6,089 |
| Core capital (leverage) ratio | 8.4451% | 5,703 |
| Tier 1 risk-based capital ratio | 16.1884% | 3,052 |
| Total risk-based capital ratio | 17.4454% | 3,006 |
| Memoranda: | ||
| Average total assets | $31,054,400 | 6,734 |
| Average earning assets | $25,389,400 | 6,774 |
| Average equity | $2,608,400 | 6,862 |
| Average total loans | $23,133,600 | 6,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 5,491 |
| Cost of funding earning assets | 1.0542% | 1,263 |
| Net interest margin | 2.9550% | 6,263 |
| Noninterest income to average assets | 0.6353% | 3,073 |
| Noninterest expense to average assets | 3.2918% | 2,295 |
| Loan and lease loss provision to assets | 0.0682% | 4,828 |
| Net operating income to assets | -0.1663% | 6,473 |
| Return on assets (ROA) | -0.1663% | 6,546 |
| Pretax return on assets | -0.2985% | 6,597 |
| Return on Equity (ROE) | -1.9825% | 6,570 |
| Retained earnings to average equity (ytd only) | -1.9825% | 6,396 |
| Net charge-offs to loans | 0.1195% | 4,178 |
| Credit loss provision to net charge-offs | 76.1905% | 3,730 |
| Earnings coverage of net charge-offs (x) | -2.5714% | 5,671 |
| Efficiency ratio | 107.5209% | 350 |
| Assets per employee ($millions) | 3.1521% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,421 |
| Loan loss allowance to noncurrent loans | 15.9296% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 9.3906% | 276 |
| Noncurrent loans to loans | 8.7258% | 334 |
| Net loans and leases to total assets | 71.3461% | 1,670 |
| Net loans and leases to deposits | 77.9407% | 2,662 |
| Net loans and leases to core deposits | 81.2581% | 3,054 |
| Total domestic deposits to total assets | 91.5390% | 279 |
| Equity capital to assets | 8.2548% | 6,457 |
| Core capital (leverage) ratio | 8.2548% | 6,079 |
| Tier 1 risk-based capital ratio | 16.0103% | 3,256 |
| Total risk-based capital ratio | 17.2656% | 3,221 |
| Memoranda: | ||
| Average total assets | $31,269,250 | 6,808 |
| Average earning assets | $25,673,750 | 6,853 |
| Average equity | $2,623,000 | 6,944 |
| Average total loans | $23,437,250 | 6,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 5,959 |
| Cost of funding earning assets | 1.0818% | 1,299 |
| Net interest margin | 2.7972% | 6,581 |
| Noninterest income to average assets | 0.6093% | 3,200 |
| Noninterest expense to average assets | 3.1746% | 2,671 |
| Loan and lease loss provision to assets | 0.1026% | 4,236 |
| Net operating income to assets | -0.2437% | 6,575 |
| Return on assets (ROA) | -0.2437% | 6,637 |
| Pretax return on assets | -0.3463% | 6,667 |
| Return on Equity (ROE) | -2.8897% | 6,667 |
| Retained earnings to average equity (ytd only) | -2.8897% | 6,451 |
| Net charge-offs to loans | 0.1099% | 4,085 |
| Credit loss provision to net charge-offs | 123.0769% | 2,226 |
| Earnings coverage of net charge-offs (x) | -2.9231% | 5,411 |
| Efficiency ratio | 108.3151% | 359 |
| Assets per employee ($millions) | 3.4348% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 4,483 |
| Loan loss allowance to noncurrent loans | 15.8099% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 9.3521% | 303 |
| Noncurrent loans to loans | 8.8380% | 357 |
| Net loans and leases to total assets | 74.4185% | 1,191 |
| Net loans and leases to deposits | 81.4279% | 2,182 |
| Net loans and leases to core deposits | 84.9677% | 2,568 |
| Total domestic deposits to total assets | 91.3920% | 331 |
| Equity capital to assets | 8.4204% | 6,289 |
| Core capital (leverage) ratio | 8.4204% | 5,761 |
| Tier 1 risk-based capital ratio | 15.8574% | 3,239 |
| Total risk-based capital ratio | 17.1124% | 3,206 |
| Memoranda: | ||
| Average total assets | $31,185,330 | 6,862 |
| Average earning assets | $25,883,000 | 6,904 |
| Average equity | $2,630,000 | 6,984 |
| Average total loans | $23,647,670 | 6,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 4,790 |
| Cost of funding earning assets | 1.1142% | 1,326 |
| Net interest margin | 3.1723% | 5,840 |
| Noninterest income to average assets | 0.6513% | 2,921 |
| Noninterest expense to average assets | 3.1288% | 2,821 |
| Loan and lease loss provision to assets | 0.0766% | 4,435 |
| Net operating income to assets | 0.0639% | 6,311 |
| Return on assets (ROA) | 0.0639% | 6,427 |
| Pretax return on assets | 0.0639% | 6,434 |
| Return on Equity (ROE) | 0.7566% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.7566% | 5,756 |
| Net charge-offs to loans | 0.0504% | 3,997 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,782 |
| Efficiency ratio | 95.7031% | 737 |
| Assets per employee ($millions) | 3.5572% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 4,748 |
| Loan loss allowance to noncurrent loans | 16.4141% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 8.8583% | 402 |
| Noncurrent loans to loans | 8.3151% | 451 |
| Net loans and leases to total assets | 73.3625% | 1,162 |
| Net loans and leases to deposits | 80.4790% | 2,149 |
| Net loans and leases to core deposits | 83.8522% | 2,563 |
| Total domestic deposits to total assets | 91.1573% | 487 |
| Equity capital to assets | 8.2649% | 6,297 |
| Core capital (leverage) ratio | 8.2649% | 5,934 |
| Tier 1 risk-based capital ratio | 15.9091% | 3,217 |
| Total risk-based capital ratio | 17.2258% | 3,156 |
| Memoranda: | ||
| Average total assets | $31,321,500 | 6,915 |
| Average earning assets | $25,848,500 | 6,960 |
| Average equity | $2,643,500 | 7,032 |
| Average total loans | $23,806,000 | 6,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 5,650 |
| Cost of funding earning assets | 1.2195% | 1,900 |
| Net interest margin | 3.1149% | 6,311 |
| Noninterest income to average assets | 0.2628% | 5,654 |
| Noninterest expense to average assets | 3.2856% | 2,568 |
| Loan and lease loss provision to assets | 0.7590% | 1,320 |
| Net operating income to assets | -0.8678% | 6,682 |
| Return on assets (ROA) | -0.7853% | 6,681 |
| Pretax return on assets | -0.9693% | 6,719 |
| Return on Equity (ROE) | -8.7099% | 6,704 |
| Retained earnings to average equity (ytd only) | -8.7099% | 6,657 |
| Net charge-offs to loans | 0.2481% | 4,225 |
| Credit loss provision to net charge-offs | 391.5254% | 595 |
| Earnings coverage of net charge-offs (x) | -1.6102% | 6,259 |
| Efficiency ratio | 110.4972% | 428 |
| Assets per employee ($millions) | 3.8285% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,653 |
| Loan loss allowance to noncurrent loans | 16.0759% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 9.3346% | 374 |
| Noncurrent loans to loans | 8.4160% | 453 |
| Net loans and leases to total assets | 76.6553% | 873 |
| Net loans and leases to deposits | 83.9609% | 1,927 |
| Net loans and leases to core deposits | 86.8269% | 2,524 |
| Total domestic deposits to total assets | 91.2988% | 402 |
| Equity capital to assets | 8.6228% | 5,989 |
| Core capital (leverage) ratio | 8.6228% | 5,354 |
| Tier 1 risk-based capital ratio | 14.9989% | 3,642 |
| Total risk-based capital ratio | 16.2540% | 3,596 |
| Memoranda: | ||
| Average total assets | $30,435,800 | 6,961 |
| Average earning assets | $26,485,400 | 6,974 |
| Average equity | $2,744,000 | 7,068 |
| Average total loans | $23,781,200 | 6,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 6,037 |
| Cost of funding earning assets | 1.2407% | 2,060 |
| Net interest margin | 3.0267% | 6,527 |
| Noninterest income to average assets | 0.1887% | 6,253 |
| Noninterest expense to average assets | 3.2425% | 2,685 |
| Loan and lease loss provision to assets | 0.7722% | 1,221 |
| Net operating income to assets | -0.9337% | 6,856 |
| Return on assets (ROA) | -0.8600% | 6,861 |
| Pretax return on assets | -1.0794% | 6,901 |
| Return on Equity (ROE) | -9.4351% | 6,878 |
| Retained earnings to average equity (ytd only) | -9.4351% | 6,840 |
| Net charge-offs to loans | 0.5159% | 2,698 |
| Credit loss provision to net charge-offs | 191.3043% | 1,523 |
| Earnings coverage of net charge-offs (x) | -0.9892% | 5,928 |
| Efficiency ratio | 114.0432% | 373 |
| Assets per employee ($millions) | 3.8166% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 6,373 |
| Loan loss allowance to noncurrent loans | 13.4483% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 8.5940% | 479 |
| Noncurrent loans to loans | 7.2539% | 666 |
| Net loans and leases to total assets | 77.7945% | 728 |
| Net loans and leases to deposits | 85.5224% | 1,750 |
| Net loans and leases to core deposits | 87.0967% | 2,621 |
| Total domestic deposits to total assets | 90.9639% | 444 |
| Equity capital to assets | 8.7905% | 5,988 |
| Core capital (leverage) ratio | 8.7905% | 5,281 |
| Tier 1 risk-based capital ratio | 15.0948% | 3,612 |
| Total risk-based capital ratio | 16.3433% | 3,579 |
| Memoranda: | ||
| Average total assets | $30,387,750 | 7,030 |
| Average earning assets | $26,651,250 | 7,040 |
| Average equity | $2,769,750 | 7,130 |
| Average total loans | $23,776,500 | 6,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 5,524 |
| Cost of funding earning assets | 1.2427% | 2,303 |
| Net interest margin | 3.2072% | 6,141 |
| Noninterest income to average assets | 0.1450% | 6,601 |
| Noninterest expense to average assets | 3.3554% | 2,384 |
| Loan and lease loss provision to assets | 1.1602% | 688 |
| Net operating income to assets | -1.2019% | 7,005 |
| Return on assets (ROA) | -1.1602% | 6,999 |
| Pretax return on assets | -1.4766% | 7,056 |
| Return on Equity (ROE) | -12.5789% | 6,997 |
| Retained earnings to average equity (ytd only) | -12.5789% | 6,956 |
| Net charge-offs to loans | 0.2278% | 3,760 |
| Credit loss provision to net charge-offs | 651.8519% | 483 |
| Earnings coverage of net charge-offs (x) | -2.0741% | 5,718 |
| Efficiency ratio | 112.3620% | 436 |
| Assets per employee ($millions) | 3.8048% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,326 |
| Loan loss allowance to noncurrent loans | 17.4612% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 9.0643% | 463 |
| Noncurrent loans to loans | 7.1432% | 709 |
| Net loans and leases to total assets | 79.0755% | 642 |
| Net loans and leases to deposits | 88.5345% | 1,427 |
| Net loans and leases to core deposits | 90.2035% | 2,351 |
| Total domestic deposits to total assets | 89.3160% | 1,350 |
| Equity capital to assets | 8.8836% | 5,729 |
| Core capital (leverage) ratio | 8.8836% | 4,909 |
| Tier 1 risk-based capital ratio | 15.0281% | 3,478 |
| Total risk-based capital ratio | 16.2786% | 3,453 |
| Memoranda: | ||
| Average total assets | $30,339,330 | 7,098 |
| Average earning assets | $26,876,670 | 7,095 |
| Average equity | $2,798,330 | 7,183 |
| Average total loans | $23,706,330 | 6,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 5,553 |
| Cost of funding earning assets | 1.2814% | 2,298 |
| Net interest margin | 3.1588% | 6,192 |
| Noninterest income to average assets | 0.0264% | 7,225 |
| Noninterest expense to average assets | 3.3014% | 2,557 |
| Loan and lease loss provision to assets | 0.3433% | 2,508 |
| Net operating income to assets | -0.9244% | 7,021 |
| Return on assets (ROA) | -0.9112% | 7,014 |
| Pretax return on assets | -0.8055% | 6,924 |
| Return on Equity (ROE) | -9.6995% | 7,021 |
| Retained earnings to average equity (ytd only) | -9.6995% | 6,854 |
| Net charge-offs to loans | 0.2054% | 3,278 |
| Credit loss provision to net charge-offs | 216.6667% | 1,389 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,987 |
| Efficiency ratio | 116.8224% | 386 |
| Assets per employee ($millions) | 3.7454% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 7,164 |
| Loan loss allowance to noncurrent loans | 24.0385% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 5.6703% | 1,047 |
| Noncurrent loans to loans | 2.6385% | 2,858 |
| Net loans and leases to total assets | 78.4301% | 687 |
| Net loans and leases to deposits | 88.2961% | 1,433 |
| Net loans and leases to core deposits | 89.9900% | 2,342 |
| Total domestic deposits to total assets | 88.8262% | 1,880 |
| Equity capital to assets | 9.3816% | 4,604 |
| Core capital (leverage) ratio | 9.3816% | 3,993 |
| Tier 1 risk-based capital ratio | 16.1209% | 2,852 |
| Total risk-based capital ratio | 16.9811% | 2,997 |
| Memoranda: | ||
| Average total assets | $30,290,000 | 7,145 |
| Average earning assets | $26,845,500 | 7,141 |
| Average equity | $2,845,500 | 7,213 |
| Average total loans | $23,373,000 | 6,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 4,871 |
| Cost of funding earning assets | 1.7578% | 1,350 |
| Net interest margin | 3.1736% | 6,329 |
| Noninterest income to average assets | 0.2924% | 5,689 |
| Noninterest expense to average assets | 3.3205% | 2,667 |
| Loan and lease loss provision to assets | 0.2112% | 5,141 |
| Net operating income to assets | -0.1940% | 6,111 |
| Return on assets (ROA) | -0.0942% | 6,044 |
| Pretax return on assets | -0.2794% | 6,146 |
| Return on Equity (ROE) | -1.0093% | 6,067 |
| Retained earnings to average equity (ytd only) | -1.0093% | 5,806 |
| Net charge-offs to loans | 0.2016% | 5,082 |
| Credit loss provision to net charge-offs | 135.4167% | 2,868 |
| Earnings coverage of net charge-offs (x) | -1.4375% | 6,669 |
| Efficiency ratio | 107.2403% | 595 |
| Assets per employee ($millions) | 3.8271% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 7,265 |
| Loan loss allowance to noncurrent loans | 26.6409% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 5.5133% | 1,125 |
| Noncurrent loans to loans | 2.2428% | 3,281 |
| Net loans and leases to total assets | 74.9845% | 1,480 |
| Net loans and leases to deposits | 84.3982% | 2,386 |
| Net loans and leases to core deposits | 85.9786% | 3,319 |
| Total domestic deposits to total assets | 88.8461% | 1,748 |
| Equity capital to assets | 9.4065% | 4,538 |
| Core capital (leverage) ratio | 9.4065% | 3,839 |
| Tier 1 risk-based capital ratio | 16.7500% | 2,440 |
| Total risk-based capital ratio | 17.5526% | 2,571 |
| Memoranda: | ||
| Average total assets | $30,778,200 | 7,180 |
| Average earning assets | $27,193,200 | 7,183 |
| Average equity | $2,873,400 | 7,309 |
| Average total loans | $23,805,600 | 6,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 4,654 |
| Cost of funding earning assets | 1.8436% | 1,243 |
| Net interest margin | 3.1907% | 6,373 |
| Noninterest income to average assets | 0.3072% | 5,695 |
| Noninterest expense to average assets | 3.4481% | 2,163 |
| Loan and lease loss provision to assets | 0.1774% | 5,262 |
| Net operating income to assets | -0.2778% | 6,409 |
| Return on assets (ROA) | -0.1947% | 6,378 |
| Pretax return on assets | -0.3807% | 6,477 |
| Return on Equity (ROE) | -2.0893% | 6,415 |
| Retained earnings to average equity (ytd only) | -2.0893% | 6,219 |
| Net charge-offs to loans | 0.0889% | 5,636 |
| Credit loss provision to net charge-offs | 256.2500% | 1,296 |
| Earnings coverage of net charge-offs (x) | -4.8129% | 6,590 |
| Efficiency ratio | 110.6944% | 512 |
| Assets per employee ($millions) | 3.8178% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 7,337 |
| Loan loss allowance to noncurrent loans | 16.0754% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 6.6761% | 845 |
| Noncurrent loans to loans | 3.8072% | 2,019 |
| Net loans and leases to total assets | 77.0971% | 1,204 |
| Net loans and leases to deposits | 88.8734% | 1,878 |
| Net loans and leases to core deposits | 90.5828% | 3,011 |
| Total domestic deposits to total assets | 86.7494% | 2,667 |
| Equity capital to assets | 9.3773% | 5,015 |
| Core capital (leverage) ratio | 9.3773% | 4,091 |
| Tier 1 risk-based capital ratio | 16.1744% | 2,689 |
| Total risk-based capital ratio | 16.9933% | 2,844 |
| Memoranda: | ||
| Average total assets | $30,818,500 | 7,260 |
| Average earning assets | $27,120,000 | 7,272 |
| Average equity | $2,871,750 | 7,406 |
| Average total loans | $23,983,000 | 6,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 4,435 |
| Cost of funding earning assets | 1.9147% | 1,185 |
| Net interest margin | 3.1887% | 6,356 |
| Noninterest income to average assets | 0.2653% | 6,016 |
| Noninterest expense to average assets | 3.5198% | 1,986 |
| Loan and lease loss provision to assets | 0.2653% | 4,270 |
| Net operating income to assets | -0.4144% | 6,583 |
| Return on assets (ROA) | -0.3688% | 6,578 |
| Pretax return on assets | -0.6470% | 6,695 |
| Return on Equity (ROE) | -3.9661% | 6,615 |
| Retained earnings to average equity (ytd only) | -3.9661% | 6,433 |
| Net charge-offs to loans | 0.0997% | 5,152 |
| Credit loss provision to net charge-offs | 341.6667% | 1,067 |
| Earnings coverage of net charge-offs (x) | -5.8333% | 6,290 |
| Efficiency ratio | 114.7679% | 483 |
| Assets per employee ($millions) | 3.8699% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 7,374 |
| Loan loss allowance to noncurrent loans | 36.4303% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 4.9776% | 1,298 |
| Noncurrent loans to loans | 1.7227% | 4,106 |
| Net loans and leases to total assets | 76.2072% | 1,450 |
| Net loans and leases to deposits | 87.7161% | 2,221 |
| Net loans and leases to core deposits | 90.2391% | 3,219 |
| Total domestic deposits to total assets | 86.8794% | 2,601 |
| Equity capital to assets | 9.2122% | 5,128 |
| Core capital (leverage) ratio | 9.2122% | 4,281 |
| Tier 1 risk-based capital ratio | 16.2916% | 2,556 |
| Total risk-based capital ratio | 17.1427% | 2,685 |
| Memoranda: | ||
| Average total assets | $30,910,670 | 7,313 |
| Average earning assets | $27,158,000 | 7,329 |
| Average equity | $2,874,330 | 7,454 |
| Average total loans | $24,080,000 | 6,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 3,513 |
| Cost of funding earning assets | 2.0126% | 1,043 |
| Net interest margin | 3.2947% | 5,996 |
| Noninterest income to average assets | 0.2590% | 6,076 |
| Noninterest expense to average assets | 3.3283% | 2,439 |
| Loan and lease loss provision to assets | 0.5828% | 2,170 |
| Net operating income to assets | -0.6631% | 6,938 |
| Return on assets (ROA) | -0.6087% | 6,935 |
| Pretax return on assets | -0.7252% | 6,911 |
| Return on Equity (ROE) | -6.5153% | 6,958 |
| Retained earnings to average equity (ytd only) | -6.5153% | 6,691 |
| Net charge-offs to loans | 0.2474% | 3,460 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | -1.0667% | 5,392 |
| Efficiency ratio | 106.6390% | 663 |
| Assets per employee ($millions) | 3.8803% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6225% | 7,470 |
| Loan loss allowance to noncurrent loans | 18.1598% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 5.8018% | 1,047 |
| Noncurrent loans to loans | 3.4278% | 2,325 |
| Net loans and leases to total assets | 77.1439% | 1,303 |
| Net loans and leases to deposits | 88.8538% | 2,073 |
| Net loans and leases to core deposits | 91.4008% | 3,182 |
| Total domestic deposits to total assets | 86.8211% | 2,725 |
| Equity capital to assets | 9.2198% | 4,965 |
| Core capital (leverage) ratio | 9.2198% | 4,189 |
| Tier 1 risk-based capital ratio | 16.0759% | 2,623 |
| Total risk-based capital ratio | 16.9185% | 2,742 |
| Memoranda: | ||
| Average total assets | $30,886,500 | 7,411 |
| Average earning assets | $26,831,000 | 7,433 |
| Average equity | $2,885,500 | 7,528 |
| Average total loans | $24,249,000 | 6,928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 2,359 |
| Cost of funding earning assets | 2.7767% | 478 |
| Net interest margin | 3.0966% | 6,380 |
| Noninterest income to average assets | 0.4383% | 4,897 |
| Noninterest expense to average assets | 3.0431% | 3,973 |
| Loan and lease loss provision to assets | 1.0227% | 2,227 |
| Net operating income to assets | -0.6148% | 6,285 |
| Return on assets (ROA) | -0.4818% | 6,151 |
| Pretax return on assets | -0.6963% | 6,183 |
| Return on Equity (ROE) | -5.2090% | 6,230 |
| Retained earnings to average equity (ytd only) | -5.2090% | 6,050 |
| Net charge-offs to loans | 1.0140% | 2,384 |
| Credit loss provision to net charge-offs | 125.0951% | 4,185 |
| Earnings coverage of net charge-offs (x) | 0.1635% | 5,992 |
| Efficiency ratio | 95.7926% | 1,323 |
| Assets per employee ($millions) | 3.8414% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 7,661 |
| Loan loss allowance to noncurrent loans | 22.9907% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 4.9136% | 1,262 |
| Noncurrent loans to loans | 2.1925% | 3,395 |
| Net loans and leases to total assets | 79.0017% | 1,181 |
| Net loans and leases to deposits | 91.3016% | 2,000 |
| Net loans and leases to core deposits | 125.0219% | 1,574 |
| Total domestic deposits to total assets | 86.5283% | 2,747 |
| Equity capital to assets | 9.4660% | 4,463 |
| Core capital (leverage) ratio | 9.4660% | 3,763 |
| Tier 1 risk-based capital ratio | 16.4807% | 2,326 |
| Total risk-based capital ratio | 17.1775% | 2,482 |
| Memoranda: | ||
| Average total assets | $32,170,800 | 7,396 |
| Average earning assets | $28,450,800 | 7,415 |
| Average equity | $2,975,600 | 7,589 |
| Average total loans | $25,935,800 | 6,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9650% | 2,172 |
| Cost of funding earning assets | 2.9183% | 427 |
| Net interest margin | 3.0466% | 6,472 |
| Noninterest income to average assets | 0.4181% | 5,148 |
| Noninterest expense to average assets | 2.9551% | 4,224 |
| Loan and lease loss provision to assets | 1.3116% | 1,474 |
| Net operating income to assets | -0.7178% | 6,621 |
| Return on assets (ROA) | -0.5656% | 6,488 |
| Pretax return on assets | -0.8853% | 6,601 |
| Return on Equity (ROE) | -6.1492% | 6,572 |
| Retained earnings to average equity (ytd only) | -6.1492% | 6,404 |
| Net charge-offs to loans | 1.2968% | 1,581 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 0.1797% | 5,843 |
| Efficiency ratio | 94.0026% | 1,399 |
| Assets per employee ($millions) | 3.8793% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 7,640 |
| Loan loss allowance to noncurrent loans | 55.9671% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.6541% | 1,794 |
| Noncurrent loans to loans | 0.9897% | 5,327 |
| Net loans and leases to total assets | 78.6750% | 1,448 |
| Net loans and leases to deposits | 94.2012% | 1,854 |
| Net loans and leases to core deposits | 126.7442% | 1,684 |
| Total domestic deposits to total assets | 83.5181% | 3,951 |
| Equity capital to assets | 9.4284% | 4,843 |
| Core capital (leverage) ratio | 9.4284% | 4,006 |
| Tier 1 risk-based capital ratio | 16.5059% | 2,426 |
| Total risk-based capital ratio | 17.2731% | 2,552 |
| Memoranda: | ||
| Average total assets | $32,530,750 | 7,441 |
| Average earning assets | $29,102,500 | 7,458 |
| Average equity | $2,992,250 | 7,665 |
| Average total loans | $26,319,500 | 6,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1804% | 1,522 |
| Cost of funding earning assets | 3.0325% | 424 |
| Net interest margin | 3.1479% | 6,098 |
| Noninterest income to average assets | 0.4420% | 4,915 |
| Noninterest expense to average assets | 2.9004% | 4,498 |
| Loan and lease loss provision to assets | 1.8105% | 911 |
| Net operating income to assets | -0.8434% | 6,858 |
| Return on assets (ROA) | -0.6418% | 6,701 |
| Pretax return on assets | -1.1444% | 6,903 |
| Return on Equity (ROE) | -7.0331% | 6,806 |
| Retained earnings to average equity (ytd only) | -7.0331% | 6,565 |
| Net charge-offs to loans | 1.8507% | 1,018 |
| Credit loss provision to net charge-offs | 120.0803% | 3,869 |
| Earnings coverage of net charge-offs (x) | 0.2329% | 5,437 |
| Efficiency ratio | 89.1993% | 1,886 |
| Assets per employee ($millions) | 4.0586% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 7,679 |
| Loan loss allowance to noncurrent loans | 27.2045% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 4.3857% | 1,298 |
| Noncurrent loans to loans | 2.1143% | 3,363 |
| Net loans and leases to total assets | 77.1936% | 1,914 |
| Net loans and leases to deposits | 97.0007% | 1,654 |
| Net loans and leases to core deposits | 126.4836% | 1,823 |
| Total domestic deposits to total assets | 79.5805% | 5,604 |
| Equity capital to assets | 9.1102% | 5,153 |
| Core capital (leverage) ratio | 9.1102% | 4,444 |
| Tier 1 risk-based capital ratio | 15.8853% | 2,665 |
| Total risk-based capital ratio | 16.6640% | 2,779 |
| Memoranda: | ||
| Average total assets | $33,029,670 | 7,484 |
| Average earning assets | $29,480,330 | 7,502 |
| Average equity | $3,014,330 | 7,727 |
| Average total loans | $26,908,670 | 6,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4761% | 912 |
| Cost of funding earning assets | 3.1498% | 396 |
| Net interest margin | 3.3263% | 5,415 |
| Noninterest income to average assets | 0.4563% | 4,711 |
| Noninterest expense to average assets | 2.9901% | 3,811 |
| Loan and lease loss provision to assets | 1.2609% | 1,012 |
| Net operating income to assets | -0.8646% | 7,160 |
| Return on assets (ROA) | -0.5164% | 6,942 |
| Pretax return on assets | -0.5044% | 6,822 |
| Return on Equity (ROE) | -5.6532% | 7,035 |
| Retained earnings to average equity (ytd only) | -5.6532% | 6,642 |
| Net charge-offs to loans | 0.7637% | 1,678 |
| Credit loss provision to net charge-offs | 198.1132% | 2,243 |
| Earnings coverage of net charge-offs (x) | 0.6415% | 4,480 |
| Efficiency ratio | 87.9859% | 1,899 |
| Assets per employee ($millions) | 4.1646% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5339% | 7,775 |
| Loan loss allowance to noncurrent loans | 16.2971% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 4.6943% | 1,000 |
| Noncurrent loans to loans | 3.2763% | 1,960 |
| Net loans and leases to total assets | 82.1923% | 983 |
| Net loans and leases to deposits | 106.2219% | 848 |
| Net loans and leases to core deposits | 140.8352% | 1,067 |
| Total domestic deposits to total assets | 77.3779% | 6,188 |
| Equity capital to assets | 9.0674% | 5,272 |
| Core capital (leverage) ratio | 9.0674% | 4,598 |
| Tier 1 risk-based capital ratio | 15.5146% | 2,847 |
| Total risk-based capital ratio | 16.2695% | 2,996 |
| Memoranda: | ||
| Average total assets | $33,310,000 | 7,520 |
| Average earning assets | $29,462,000 | 7,546 |
| Average equity | $3,042,500 | 7,767 |
| Average total loans | $27,758,500 | 6,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4976% | 2,970 |
| Cost of funding earning assets | 3.8574% | 162 |
| Net interest margin | 2.6403% | 7,595 |
| Noninterest income to average assets | 0.2960% | 6,344 |
| Noninterest expense to average assets | 2.5798% | 5,718 |
| Loan and lease loss provision to assets | 0.1683% | 5,226 |
| Net operating income to assets | -0.0478% | 6,439 |
| Return on assets (ROA) | 0.0116% | 6,191 |
| Pretax return on assets | 0.0580% | 6,032 |
| Return on Equity (ROE) | 0.1303% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.1303% | 5,155 |
| Net charge-offs to loans | 0.0676% | 5,809 |
| Credit loss provision to net charge-offs | 305.2632% | 1,476 |
| Earnings coverage of net charge-offs (x) | 2.4211% | 4,867 |
| Efficiency ratio | 95.0802% | 1,215 |
| Assets per employee ($millions) | 4.1629% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 8,043 |
| Loan loss allowance to noncurrent loans | 12.0393% | 7,473 |
| Noncurrent assets plus other real estate owned to assets | 4.0987% | 988 |
| Noncurrent loans to loans | 2.9086% | 1,851 |
| Net loans and leases to total assets | 83.7402% | 929 |
| Net loans and leases to deposits | 107.1132% | 1,033 |
| Net loans and leases to core deposits | 128.6110% | 1,955 |
| Total domestic deposits to total assets | 78.1791% | 5,653 |
| Equity capital to assets | 9.2004% | 5,081 |
| Core capital (leverage) ratio | 9.2004% | 4,439 |
| Tier 1 risk-based capital ratio | 15.8346% | 2,732 |
| Total risk-based capital ratio | 16.3411% | 2,923 |
| Memoranda: | ||
| Average total assets | $34,459,400 | 7,443 |
| Average earning assets | $31,550,000 | 7,433 |
| Average equity | $3,069,600 | 7,815 |
| Average total loans | $28,102,000 | 6,837 |