Home > Kosciuszko Federal Savings Bank > Performance and Condition Ratios
Kosciuszko Federal Savings Bank, Performance and Condition Ratios
| 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 | 4.0813% | 3,017 |
| Cost of funding earning assets | 0.7033% | 826 |
| Net interest margin | 3.3780% | 4,039 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 3.9709% | 692 |
| Loan and lease loss provision to assets | 0.0558% | 3,078 |
| Net operating income to assets | -0.7585% | 6,172 |
| Return on assets (ROA) | -0.7585% | 6,172 |
| Pretax return on assets | -0.7585% | 6,164 |
| Return on Equity (ROE) | -3.6315% | 6,116 |
| Retained earnings to average equity (ytd only) | -3.6315% | 5,974 |
| Net charge-offs to loans | 0.3634% | 722 |
| Credit loss provision to net charge-offs | 22.7273% | 3,340 |
| Earnings coverage of net charge-offs (x) | -2.8640% | 4,097 |
| Efficiency ratio | 121.5017% | 92 |
| Assets per employee ($millions) | 3.9207% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 5,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 2,264 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.9124% | 3,170 |
| Net loans and leases to deposits | 82.1498% | 2,632 |
| Net loans and leases to core deposits | 82.1498% | 3,237 |
| Total domestic deposits to total assets | 79.0172% | 4,973 |
| Equity capital to assets | 20.8808% | 199 |
| Core capital (leverage) ratio | 20.6245% | 178 |
| Tier 1 risk-based capital ratio | 46.1149% | 166 |
| Total risk-based capital ratio | 47.3536% | 162 |
| Memoranda: | ||
| Average total assets | $11,953,250 | 6,248 |
| Average earning assets | $11,564,750 | 6,234 |
| Average equity | $2,496,500 | 6,134 |
| Average total loans | $8,071,250 | 6,143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,783 |
| Cost of funding earning assets | 0.7059% | 815 |
| Net interest margin | 3.4261% | 3,807 |
| Noninterest income to average assets | 0.0166% | 6,234 |
| Noninterest expense to average assets | 3.4285% | 1,421 |
| Loan and lease loss provision to assets | 0.0666% | 2,784 |
| Net operating income to assets | -0.1664% | 6,082 |
| Return on assets (ROA) | -0.1664% | 6,111 |
| Pretax return on assets | -0.1664% | 6,092 |
| Return on Equity (ROE) | -0.7968% | 6,073 |
| Retained earnings to average equity (ytd only) | -0.7968% | 5,661 |
| Net charge-offs to loans | 0.5369% | 457 |
| Credit loss provision to net charge-offs | 18.1818% | 3,032 |
| Earnings coverage of net charge-offs (x) | -0.2727% | 3,733 |
| Efficiency ratio | 103.0000% | 269 |
| Assets per employee ($millions) | 4.0023% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 5,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 1,577 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.7706% | 3,151 |
| Net loans and leases to deposits | 82.0186% | 2,551 |
| Net loans and leases to core deposits | 82.0186% | 3,170 |
| Total domestic deposits to total assets | 78.9706% | 5,100 |
| Equity capital to assets | 20.9295% | 181 |
| Core capital (leverage) ratio | 20.9434% | 170 |
| Tier 1 risk-based capital ratio | 45.9415% | 185 |
| Total risk-based capital ratio | 47.1298% | 184 |
| Memoranda: | ||
| Average total assets | $12,017,000 | 6,326 |
| Average earning assets | $11,616,670 | 6,308 |
| Average equity | $2,510,000 | 6,205 |
| Average total loans | $8,194,670 | 6,212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,270 |
| Cost of funding earning assets | 0.6877% | 910 |
| Net interest margin | 3.3008% | 4,215 |
| Noninterest income to average assets | 0.0333% | 6,267 |
| Noninterest expense to average assets | 4.1923% | 561 |
| Loan and lease loss provision to assets | 0.0665% | 2,605 |
| Net operating income to assets | -1.0314% | 6,324 |
| Return on assets (ROA) | -1.0314% | 6,327 |
| Pretax return on assets | -1.0314% | 6,315 |
| Return on Equity (ROE) | -4.9432% | 6,258 |
| Retained earnings to average equity (ytd only) | -4.9432% | 5,933 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8969% | 85 |
| Assets per employee ($millions) | 4.0000% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 4,895 |
| Loan loss allowance to noncurrent loans | 51.5152% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 2.9250% | 658 |
| Noncurrent loans to loans | 1.9911% | 1,312 |
| Net loans and leases to total assets | 68.3500% | 2,387 |
| Net loans and leases to deposits | 86.4825% | 1,774 |
| Net loans and leases to core deposits | 86.4825% | 2,501 |
| Total domestic deposits to total assets | 79.0333% | 5,255 |
| Equity capital to assets | 20.7833% | 191 |
| Core capital (leverage) ratio | 20.6203% | 181 |
| Tier 1 risk-based capital ratio | 42.8203% | 222 |
| Total risk-based capital ratio | 44.0570% | 217 |
| Memoranda: | ||
| Average total assets | $12,022,000 | 6,395 |
| Average earning assets | $11,633,500 | 6,377 |
| Average equity | $2,508,500 | 6,269 |
| Average total loans | $8,371,000 | 6,272 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,750 |
| Cost of funding earning assets | 0.7141% | 1,034 |
| Net interest margin | 3.8196% | 2,551 |
| Noninterest income to average assets | 0.0326% | 6,331 |
| Noninterest expense to average assets | 3.4809% | 1,524 |
| Loan and lease loss provision to assets | 0.0326% | 3,946 |
| Net operating income to assets | 0.1712% | 5,822 |
| Return on assets (ROA) | 0.1712% | 5,872 |
| Pretax return on assets | 0.2690% | 5,759 |
| Return on Equity (ROE) | 0.8328% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.8328% | 5,396 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0259% | 702 |
| Assets per employee ($millions) | 4.0147% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 5,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 1,751 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.5118% | 2,310 |
| Net loans and leases to deposits | 88.1170% | 1,723 |
| Net loans and leases to core deposits | 88.1170% | 2,485 |
| Total domestic deposits to total assets | 78.8858% | 5,267 |
| Equity capital to assets | 20.9482% | 192 |
| Core capital (leverage) ratio | 20.9150% | 177 |
| Tier 1 risk-based capital ratio | 42.8620% | 201 |
| Total risk-based capital ratio | 44.1212% | 198 |
| Memoranda: | ||
| Average total assets | $12,266,800 | 6,484 |
| Average earning assets | $12,043,000 | 6,463 |
| Average equity | $2,521,600 | 6,349 |
| Average total loans | $9,187,800 | 6,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,676 |
| Cost of funding earning assets | 0.7030% | 1,134 |
| Net interest margin | 3.8556% | 2,411 |
| Noninterest income to average assets | 0.0325% | 6,419 |
| Noninterest expense to average assets | 3.0188% | 2,739 |
| Loan and lease loss provision to assets | 0.0757% | 2,828 |
| Net operating income to assets | 0.5410% | 4,706 |
| Return on assets (ROA) | 0.5410% | 4,782 |
| Pretax return on assets | 0.7358% | 4,568 |
| Return on Equity (ROE) | 2.6443% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.6443% | 4,710 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8136% | 2,072 |
| Assets per employee ($millions) | 4.0487% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 5,443 |
| Loan loss allowance to noncurrent loans | 21.1302% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 3.3509% | 648 |
| Noncurrent loans to loans | 4.4784% | 443 |
| Net loans and leases to total assets | 74.1149% | 1,509 |
| Net loans and leases to deposits | 94.1829% | 1,020 |
| Net loans and leases to core deposits | 94.1829% | 1,844 |
| Total domestic deposits to total assets | 78.6926% | 5,393 |
| Equity capital to assets | 21.0110% | 187 |
| Core capital (leverage) ratio | 21.0275% | 171 |
| Tier 1 risk-based capital ratio | 43.3985% | 198 |
| Total risk-based capital ratio | 44.6219% | 192 |
| Memoranda: | ||
| Average total assets | $12,322,500 | 6,561 |
| Average earning assets | $12,138,000 | 6,540 |
| Average equity | $2,521,250 | 6,422 |
| Average total loans | $9,371,000 | 6,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,473 |
| Cost of funding earning assets | 0.7046% | 1,174 |
| Net interest margin | 3.9163% | 2,091 |
| Noninterest income to average assets | 0.0323% | 6,487 |
| Noninterest expense to average assets | 3.1661% | 2,290 |
| Loan and lease loss provision to assets | 0.0808% | 2,685 |
| Net operating income to assets | 0.5008% | 4,805 |
| Return on assets (ROA) | 0.5008% | 4,888 |
| Pretax return on assets | 0.6461% | 4,801 |
| Return on Equity (ROE) | 2.4691% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.4691% | 4,633 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3278% | 1,833 |
| Assets per employee ($millions) | 4.0900% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 5,687 |
| Loan loss allowance to noncurrent loans | 22.0472% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 3.1051% | 816 |
| Noncurrent loans to loans | 4.1395% | 567 |
| Net loans and leases to total assets | 74.3276% | 1,394 |
| Net loans and leases to deposits | 93.8658% | 968 |
| Net loans and leases to core deposits | 93.8658% | 1,790 |
| Total domestic deposits to total assets | 79.1850% | 5,418 |
| Equity capital to assets | 20.6357% | 193 |
| Core capital (leverage) ratio | 20.6601% | 180 |
| Tier 1 risk-based capital ratio | 39.3695% | 253 |
| Total risk-based capital ratio | 40.6274% | 250 |
| Memoranda: | ||
| Average total assets | $12,381,330 | 6,626 |
| Average earning assets | $12,205,330 | 6,606 |
| Average equity | $2,511,000 | 6,483 |
| Average total loans | $9,465,330 | 6,464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 1,704 |
| Cost of funding earning assets | 0.6846% | 1,336 |
| Net interest margin | 3.8469% | 2,283 |
| Noninterest income to average assets | 0.0322% | 6,531 |
| Noninterest expense to average assets | 3.6986% | 1,133 |
| Loan and lease loss provision to assets | 0.0643% | 2,834 |
| Net operating income to assets | 0.0643% | 6,100 |
| Return on assets (ROA) | 0.0643% | 6,123 |
| Pretax return on assets | 0.0643% | 6,134 |
| Return on Equity (ROE) | 0.3199% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.3199% | 5,441 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6387% | 606 |
| Assets per employee ($millions) | 4.1057% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 5,983 |
| Loan loss allowance to noncurrent loans | 23.5465% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7929% | 1,068 |
| Noncurrent loans to loans | 3.6433% | 778 |
| Net loans and leases to total assets | 76.0006% | 1,001 |
| Net loans and leases to deposits | 95.5887% | 681 |
| Net loans and leases to core deposits | 95.5887% | 1,414 |
| Total domestic deposits to total assets | 79.5080% | 5,598 |
| Equity capital to assets | 20.3053% | 201 |
| Core capital (leverage) ratio | 20.3247% | 192 |
| Tier 1 risk-based capital ratio | 40.8483% | 222 |
| Total risk-based capital ratio | 42.1044% | 219 |
| Memoranda: | ||
| Average total assets | $12,437,000 | 6,700 |
| Average earning assets | $12,269,500 | 6,678 |
| Average equity | $2,500,500 | 6,545 |
| Average total loans | $9,596,000 | 6,531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 1,204 |
| Cost of funding earning assets | 0.8120% | 1,149 |
| Net interest margin | 4.0357% | 1,851 |
| Noninterest income to average assets | 0.0401% | 6,576 |
| Noninterest expense to average assets | 3.4940% | 1,668 |
| Loan and lease loss provision to assets | 0.0721% | 3,667 |
| Net operating income to assets | 0.3766% | 5,236 |
| Return on assets (ROA) | 0.3766% | 5,351 |
| Pretax return on assets | 0.4568% | 5,337 |
| Return on Equity (ROE) | 1.8865% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.8865% | 4,894 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8526% | 1,328 |
| Assets per employee ($millions) | 4.1857% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 6,148 |
| Loan loss allowance to noncurrent loans | 47.8788% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 2,797 |
| Noncurrent loans to loans | 1.6923% | 2,372 |
| Net loans and leases to total assets | 77.0168% | 950 |
| Net loans and leases to deposits | 96.3535% | 704 |
| Net loans and leases to core deposits | 96.3535% | 1,424 |
| Total domestic deposits to total assets | 79.9315% | 5,456 |
| Equity capital to assets | 19.9092% | 213 |
| Core capital (leverage) ratio | 19.9427% | 204 |
| Tier 1 risk-based capital ratio | 40.4554% | 223 |
| Total risk-based capital ratio | 41.6990% | 220 |
| Memoranda: | ||
| Average total assets | $12,478,600 | 6,781 |
| Average earning assets | $12,315,200 | 6,760 |
| Average equity | $2,491,400 | 6,632 |
| Average total loans | $9,998,400 | 6,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,059 |
| Cost of funding earning assets | 0.8567% | 1,011 |
| Net interest margin | 4.0773% | 1,697 |
| Noninterest income to average assets | 0.0428% | 6,655 |
| Noninterest expense to average assets | 2.9108% | 3,267 |
| Loan and lease loss provision to assets | 0.0749% | 3,557 |
| Net operating income to assets | 0.7491% | 3,603 |
| Return on assets (ROA) | 0.7491% | 3,731 |
| Pretax return on assets | 1.0808% | 3,189 |
| Return on Equity (ROE) | 3.7493% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.7493% | 4,021 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5789% | 3,489 |
| Assets per employee ($millions) | 4.0277% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 6,276 |
| Loan loss allowance to noncurrent loans | 46.6667% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 2,917 |
| Noncurrent loans to loans | 1.7231% | 2,612 |
| Net loans and leases to total assets | 78.6146% | 691 |
| Net loans and leases to deposits | 99.8528% | 470 |
| Net loans and leases to core deposits | 99.8528% | 1,126 |
| Total domestic deposits to total assets | 78.7304% | 5,800 |
| Equity capital to assets | 20.8723% | 182 |
| Core capital (leverage) ratio | 20.9050% | 165 |
| Tier 1 risk-based capital ratio | 41.9349% | 217 |
| Total risk-based capital ratio | 43.2127% | 214 |
| Memoranda: | ||
| Average total assets | $12,459,000 | 6,860 |
| Average earning assets | $12,295,500 | 6,838 |
| Average equity | $2,489,250 | 6,708 |
| Average total loans | $10,060,500 | 6,657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 923 |
| Cost of funding earning assets | 0.8533% | 1,124 |
| Net interest margin | 4.1377% | 1,442 |
| Noninterest income to average assets | 0.0318% | 6,722 |
| Noninterest expense to average assets | 3.0514% | 2,834 |
| Loan and lease loss provision to assets | 0.0795% | 3,469 |
| Net operating income to assets | 0.7311% | 3,667 |
| Return on assets (ROA) | 0.7311% | 3,825 |
| Pretax return on assets | 0.9854% | 3,573 |
| Return on Equity (ROE) | 3.7122% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.7122% | 3,943 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1313% | 3,102 |
| Assets per employee ($millions) | 4.1533% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 6,429 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 3,127 |
| Noncurrent loans to loans | 1.6540% | 2,835 |
| Net loans and leases to total assets | 79.4623% | 584 |
| Net loans and leases to deposits | 99.7481% | 442 |
| Net loans and leases to core deposits | 99.7481% | 1,096 |
| Total domestic deposits to total assets | 79.6629% | 5,678 |
| Equity capital to assets | 20.0642% | 207 |
| Core capital (leverage) ratio | 20.0834% | 189 |
| Tier 1 risk-based capital ratio | 40.0480% | 232 |
| Total risk-based capital ratio | 41.2480% | 230 |
| Memoranda: | ||
| Average total assets | $12,584,330 | 6,907 |
| Average earning assets | $12,422,330 | 6,886 |
| Average equity | $2,478,330 | 6,758 |
| Average total loans | $10,222,000 | 6,692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 804 |
| Cost of funding earning assets | 0.8969% | 998 |
| Net interest margin | 4.1640% | 1,292 |
| Noninterest income to average assets | 0.0316% | 6,787 |
| Noninterest expense to average assets | 3.5109% | 1,601 |
| Loan and lease loss provision to assets | 0.0633% | 3,574 |
| Net operating income to assets | 0.4744% | 4,799 |
| Return on assets (ROA) | 0.4744% | 4,967 |
| Pretax return on assets | 0.5693% | 5,052 |
| Return on Equity (ROE) | 2.4316% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.4316% | 4,811 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7328% | 1,675 |
| Assets per employee ($millions) | 4.1387% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 6,587 |
| Loan loss allowance to noncurrent loans | 43.6364% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 3,300 |
| Noncurrent loans to loans | 1.6169% | 3,113 |
| Net loans and leases to total assets | 81.6124% | 300 |
| Net loans and leases to deposits | 102.3019% | 271 |
| Net loans and leases to core deposits | 102.3019% | 809 |
| Total domestic deposits to total assets | 79.7761% | 5,803 |
| Equity capital to assets | 19.9340% | 218 |
| Core capital (leverage) ratio | 19.8856% | 197 |
| Tier 1 risk-based capital ratio | 39.6372% | 241 |
| Total risk-based capital ratio | 39.8619% | 251 |
| Memoranda: | ||
| Average total assets | $12,646,500 | 6,981 |
| Average earning assets | $12,488,000 | 6,962 |
| Average equity | $2,467,500 | 6,820 |
| Average total loans | $10,345,000 | 6,756 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 960 |
| Cost of funding earning assets | 1.0548% | 1,099 |
| Net interest margin | 4.2272% | 1,586 |
| Noninterest income to average assets | 0.0388% | 6,728 |
| Noninterest expense to average assets | 3.4571% | 1,932 |
| Loan and lease loss provision to assets | 0.0544% | 5,124 |
| Net operating income to assets | 0.3496% | 5,294 |
| Return on assets (ROA) | 0.3496% | 5,516 |
| Pretax return on assets | 0.5749% | 5,066 |
| Return on Equity (ROE) | 1.8414% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.8414% | 4,927 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6008% | 1,557 |
| Assets per employee ($millions) | 4.2923% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 6,674 |
| Loan loss allowance to noncurrent loans | 21.4724% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 2.5316% | 1,922 |
| Noncurrent loans to loans | 3.1092% | 1,664 |
| Net loans and leases to total assets | 80.8806% | 395 |
| Net loans and leases to deposits | 100.2117% | 404 |
| Net loans and leases to core deposits | 100.2117% | 1,012 |
| Total domestic deposits to total assets | 80.7098% | 5,480 |
| Equity capital to assets | 19.1038% | 263 |
| Core capital (leverage) ratio | 19.0724% | 231 |
| Tier 1 risk-based capital ratio | 40.5249% | 232 |
| Total risk-based capital ratio | 40.7560% | 242 |
| Memoranda: | ||
| Average total assets | $12,872,200 | 7,047 |
| Average earning assets | $12,324,800 | 7,028 |
| Average equity | $2,443,800 | 6,893 |
| Average total loans | $10,420,000 | 6,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 1,257 |
| Cost of funding earning assets | 1.0798% | 1,143 |
| Net interest margin | 4.0901% | 2,123 |
| Noninterest income to average assets | 0.0414% | 6,828 |
| Noninterest expense to average assets | 2.7969% | 3,992 |
| Loan and lease loss provision to assets | 0.0518% | 5,106 |
| Net operating income to assets | 0.7355% | 3,753 |
| Return on assets (ROA) | 0.7355% | 4,005 |
| Pretax return on assets | 1.0773% | 3,431 |
| Return on Equity (ROE) | 3.8799% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.8799% | 4,158 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2401% | 3,461 |
| Assets per employee ($millions) | 4.3293% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 6,821 |
| Loan loss allowance to noncurrent loans | 10.2874% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 5.0893% | 872 |
| Noncurrent loans to loans | 6.2095% | 637 |
| Net loans and leases to total assets | 81.4367% | 390 |
| Net loans and leases to deposits | 101.1959% | 391 |
| Net loans and leases to core deposits | 101.1959% | 1,035 |
| Total domestic deposits to total assets | 80.4743% | 5,526 |
| Equity capital to assets | 19.1253% | 291 |
| Core capital (leverage) ratio | 19.1004% | 244 |
| Tier 1 risk-based capital ratio | 38.9264% | 265 |
| Total risk-based capital ratio | 39.2874% | 276 |
| Memoranda: | ||
| Average total assets | $12,871,000 | 7,143 |
| Average earning assets | $12,224,500 | 7,125 |
| Average equity | $2,439,750 | 6,982 |
| Average total loans | $10,403,750 | 6,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 1,645 |
| Cost of funding earning assets | 1.1144% | 1,151 |
| Net interest margin | 3.9419% | 2,745 |
| Noninterest income to average assets | 0.0468% | 6,864 |
| Noninterest expense to average assets | 2.9769% | 3,347 |
| Loan and lease loss provision to assets | 0.0468% | 5,091 |
| Net operating income to assets | 0.5455% | 4,600 |
| Return on assets (ROA) | 0.5455% | 4,885 |
| Pretax return on assets | 0.7170% | 4,779 |
| Return on Equity (ROE) | 2.8866% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.8866% | 4,709 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5833% | 2,254 |
| Assets per employee ($millions) | 4.3360% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 6,899 |
| Loan loss allowance to noncurrent loans | 4.1358% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 12.4539% | 161 |
| Noncurrent loans to loans | 15.3307% | 96 |
| Net loans and leases to total assets | 80.7196% | 431 |
| Net loans and leases to deposits | 99.7151% | 430 |
| Net loans and leases to core deposits | 99.7151% | 1,118 |
| Total domestic deposits to total assets | 80.9502% | 5,483 |
| Equity capital to assets | 18.8038% | 290 |
| Core capital (leverage) ratio | 18.7913% | 255 |
| Tier 1 risk-based capital ratio | 37.0528% | 305 |
| Total risk-based capital ratio | 38.0685% | 304 |
| Memoranda: | ||
| Average total assets | $12,832,000 | 7,205 |
| Average earning assets | $12,024,670 | 7,186 |
| Average equity | $2,425,000 | 7,030 |
| Average total loans | $10,323,330 | 6,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 956 |
| Cost of funding earning assets | 1.1366% | 1,229 |
| Net interest margin | 4.2364% | 1,650 |
| Noninterest income to average assets | 0.0314% | 7,004 |
| Noninterest expense to average assets | 3.4212% | 1,952 |
| Loan and lease loss provision to assets | 0.0628% | 4,634 |
| Net operating income to assets | 0.3139% | 5,612 |
| Return on assets (ROA) | 0.3139% | 5,771 |
| Pretax return on assets | 0.4080% | 5,699 |
| Return on Equity (ROE) | 1.6567% | 6,171 |
| Retained earnings to average equity (ytd only) | 1.6567% | 5,405 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9032% | 1,293 |
| Assets per employee ($millions) | 4.2803% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 6,972 |
| Loan loss allowance to noncurrent loans | 6.5327% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 7.7486% | 509 |
| Noncurrent loans to loans | 9.4161% | 339 |
| Net loans and leases to total assets | 81.7849% | 287 |
| Net loans and leases to deposits | 101.1266% | 337 |
| Net loans and leases to core deposits | 101.1266% | 917 |
| Total domestic deposits to total assets | 80.8738% | 5,642 |
| Equity capital to assets | 18.8381% | 292 |
| Core capital (leverage) ratio | 18.8381% | 249 |
| Tier 1 risk-based capital ratio | 38.2028% | 263 |
| Total risk-based capital ratio | 39.2293% | 263 |
| Memoranda: | ||
| Average total assets | $12,744,000 | 7,269 |
| Average earning assets | $11,613,500 | 7,251 |
| Average equity | $2,414,500 | 7,085 |
| Average total loans | $10,201,500 | 7,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 1,665 |
| Cost of funding earning assets | 1.2394% | 1,789 |
| Net interest margin | 4.0723% | 2,558 |
| Noninterest income to average assets | 0.0763% | 6,731 |
| Noninterest expense to average assets | 3.1734% | 2,951 |
| Loan and lease loss provision to assets | 0.1068% | 5,259 |
| Net operating income to assets | 0.5442% | 4,257 |
| Return on assets (ROA) | 0.5569% | 4,389 |
| Pretax return on assets | 0.6713% | 4,432 |
| Return on Equity (ROE) | 3.0652% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.0652% | 4,048 |
| Net charge-offs to loans | 0.0973% | 5,372 |
| Credit loss provision to net charge-offs | 140.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,898 |
| Efficiency ratio | 80.6202% | 2,215 |
| Assets per employee ($millions) | 4.2157% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,959 |
| Loan loss allowance to noncurrent loans | 38.7879% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 4,041 |
| Noncurrent loans to loans | 1.6775% | 3,646 |
| Net loans and leases to total assets | 77.2673% | 798 |
| Net loans and leases to deposits | 95.6726% | 691 |
| Net loans and leases to core deposits | 95.6726% | 1,529 |
| Total domestic deposits to total assets | 80.7622% | 5,524 |
| Equity capital to assets | 19.0559% | 277 |
| Core capital (leverage) ratio | 19.0559% | 242 |
| Tier 1 risk-based capital ratio | 38.4370% | 262 |
| Total risk-based capital ratio | 39.4577% | 261 |
| Memoranda: | ||
| Average total assets | $13,108,800 | 7,308 |
| Average earning assets | $12,425,400 | 7,290 |
| Average equity | $2,381,600 | 7,146 |
| Average total loans | $10,281,600 | 7,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,419 |
| Cost of funding earning assets | 1.2207% | 2,188 |
| Net interest margin | 3.9208% | 3,275 |
| Noninterest income to average assets | 0.0807% | 6,837 |
| Noninterest expense to average assets | 2.5105% | 5,430 |
| Loan and lease loss provision to assets | 0.1310% | 4,792 |
| Net operating income to assets | 0.8336% | 3,005 |
| Return on assets (ROA) | 0.8469% | 3,104 |
| Pretax return on assets | 1.2805% | 2,360 |
| Return on Equity (ROE) | 4.7168% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.7168% | 3,364 |
| Net charge-offs to loans | 0.1283% | 4,763 |
| Credit loss provision to net charge-offs | 130.0000% | 2,444 |
| Earnings coverage of net charge-offs (x) | 13.8035% | 1,587 |
| Efficiency ratio | 64.3411% | 5,005 |
| Assets per employee ($millions) | 4.3263% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 7,077 |
| Loan loss allowance to noncurrent loans | 38.1818% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 4,261 |
| Noncurrent loans to loans | 1.5803% | 3,926 |
| Net loans and leases to total assets | 79.9599% | 521 |
| Net loans and leases to deposits | 98.9323% | 519 |
| Net loans and leases to core deposits | 98.9323% | 1,344 |
| Total domestic deposits to total assets | 80.8229% | 5,492 |
| Equity capital to assets | 18.6532% | 337 |
| Core capital (leverage) ratio | 18.6532% | 277 |
| Tier 1 risk-based capital ratio | 35.6134% | 329 |
| Total risk-based capital ratio | 36.5402% | 335 |
| Memoranda: | ||
| Average total assets | $13,224,250 | 7,384 |
| Average earning assets | $12,888,250 | 7,361 |
| Average equity | $2,374,500 | 7,216 |
| Average total loans | $10,393,000 | 7,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 2,932 |
| Cost of funding earning assets | 1.2316% | 2,372 |
| Net interest margin | 3.8180% | 3,700 |
| Noninterest income to average assets | 0.0752% | 6,942 |
| Noninterest expense to average assets | 2.6003% | 5,178 |
| Loan and lease loss provision to assets | 0.0301% | 5,930 |
| Net operating income to assets | 0.8646% | 2,801 |
| Return on assets (ROA) | 0.8868% | 2,806 |
| Pretax return on assets | 1.2025% | 2,470 |
| Return on Equity (ROE) | 5.0021% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.0021% | 3,005 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3794% | 4,443 |
| Assets per employee ($millions) | 4.4593% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 7,162 |
| Loan loss allowance to noncurrent loans | 34.8571% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 4,284 |
| Noncurrent loans to loans | 1.6683% | 3,920 |
| Net loans and leases to total assets | 77.9563% | 783 |
| Net loans and leases to deposits | 95.3029% | 778 |
| Net loans and leases to core deposits | 95.3029% | 1,751 |
| Total domestic deposits to total assets | 81.7985% | 5,238 |
| Equity capital to assets | 17.8726% | 389 |
| Core capital (leverage) ratio | 17.9094% | 337 |
| Tier 1 risk-based capital ratio | 34.8199% | 354 |
| Total risk-based capital ratio | 35.7060% | 356 |
| Memoranda: | ||
| Average total assets | $13,306,000 | 7,457 |
| Average earning assets | $12,991,000 | 7,431 |
| Average equity | $2,359,000 | 7,277 |
| Average total loans | $10,377,000 | 7,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 2,980 |
| Cost of funding earning assets | 1.2641% | 2,396 |
| Net interest margin | 3.7614% | 3,792 |
| Noninterest income to average assets | 0.0603% | 7,094 |
| Noninterest expense to average assets | 2.9842% | 3,709 |
| Loan and lease loss provision to assets | 0.0301% | 5,590 |
| Net operating income to assets | 0.5564% | 4,256 |
| Return on assets (ROA) | 0.6029% | 4,085 |
| Pretax return on assets | 0.7837% | 3,959 |
| Return on Equity (ROE) | 3.4144% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.4144% | 4,144 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8387% | 2,567 |
| Assets per employee ($millions) | 3.3303% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 7,224 |
| Loan loss allowance to noncurrent loans | 34.2857% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 4,338 |
| Noncurrent loans to loans | 1.6984% | 3,943 |
| Net loans and leases to total assets | 76.9011% | 886 |
| Net loans and leases to deposits | 93.7237% | 857 |
| Net loans and leases to core deposits | 93.7237% | 1,926 |
| Total domestic deposits to total assets | 82.0509% | 5,291 |
| Equity capital to assets | 17.6488% | 390 |
| Core capital (leverage) ratio | 17.6859% | 348 |
| Tier 1 risk-based capital ratio | 34.5348% | 361 |
| Total risk-based capital ratio | 35.4139% | 360 |
| Memoranda: | ||
| Average total assets | $13,270,000 | 7,516 |
| Average earning assets | $12,974,000 | 7,486 |
| Average equity | $2,343,000 | 7,328 |
| Average total loans | $10,320,500 | 7,306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 2,258 |
| Cost of funding earning assets | 1.5418% | 2,397 |
| Net interest margin | 3.9636% | 3,187 |
| Noninterest income to average assets | 0.0455% | 7,128 |
| Noninterest expense to average assets | 2.9720% | 3,950 |
| Loan and lease loss provision to assets | 0.2881% | 4,496 |
| Net operating income to assets | 0.3943% | 4,567 |
| Return on assets (ROA) | 0.3943% | 4,713 |
| Pretax return on assets | 0.6444% | 4,185 |
| Return on Equity (ROE) | 2.2356% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.2356% | 4,317 |
| Net charge-offs to loans | 0.3211% | 4,413 |
| Credit loss provision to net charge-offs | 108.5714% | 4,071 |
| Earnings coverage of net charge-offs (x) | 3.5143% | 3,326 |
| Efficiency ratio | 76.1165% | 3,040 |
| Assets per employee ($millions) | 3.3048% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 7,298 |
| Loan loss allowance to noncurrent loans | 33.7143% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,380 |
| Noncurrent loans to loans | 1.6929% | 3,967 |
| Net loans and leases to total assets | 77.7517% | 980 |
| Net loans and leases to deposits | 94.9381% | 963 |
| Net loans and leases to core deposits | 94.9381% | 2,136 |
| Total domestic deposits to total assets | 81.8973% | 5,221 |
| Equity capital to assets | 17.6640% | 395 |
| Core capital (leverage) ratio | 17.6764% | 348 |
| Tier 1 risk-based capital ratio | 33.7084% | 383 |
| Total risk-based capital ratio | 34.5594% | 385 |
| Memoranda: | ||
| Average total assets | $13,189,600 | 7,596 |
| Average earning assets | $12,841,800 | 7,566 |
| Average equity | $2,326,000 | 7,448 |
| Average total loans | $10,898,800 | 7,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 2,077 |
| Cost of funding earning assets | 1.6019% | 2,379 |
| Net interest margin | 3.9942% | 3,130 |
| Noninterest income to average assets | 0.0506% | 7,264 |
| Noninterest expense to average assets | 2.3667% | 6,127 |
| Loan and lease loss provision to assets | 0.3742% | 3,646 |
| Net operating income to assets | 0.7889% | 3,049 |
| Return on assets (ROA) | 0.7889% | 3,215 |
| Pretax return on assets | 1.1935% | 2,513 |
| Return on Equity (ROE) | 4.4755% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.4755% | 3,362 |
| Net charge-offs to loans | 0.4228% | 3,599 |
| Credit loss provision to net charge-offs | 105.7143% | 4,047 |
| Earnings coverage of net charge-offs (x) | 4.4281% | 3,056 |
| Efficiency ratio | 60.1542% | 5,926 |
| Assets per employee ($millions) | 4.3730% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 7,430 |
| Loan loss allowance to noncurrent loans | 33.1429% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 4,490 |
| Noncurrent loans to loans | 1.5872% | 4,261 |
| Net loans and leases to total assets | 83.6039% | 358 |
| Net loans and leases to deposits | 102.6102% | 500 |
| Net loans and leases to core deposits | 102.6102% | 1,590 |
| Total domestic deposits to total assets | 81.4772% | 5,208 |
| Equity capital to assets | 18.0197% | 411 |
| Core capital (leverage) ratio | 18.0072% | 351 |
| Tier 1 risk-based capital ratio | 33.2723% | 401 |
| Total risk-based capital ratio | 34.0893% | 401 |
| Memoranda: | ||
| Average total assets | $13,182,250 | 7,698 |
| Average earning assets | $12,818,250 | 7,666 |
| Average equity | $2,323,750 | 7,544 |
| Average total loans | $11,039,250 | 7,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 2,166 |
| Cost of funding earning assets | 1.6668% | 2,306 |
| Net interest margin | 3.9254% | 3,336 |
| Noninterest income to average assets | 0.0606% | 7,284 |
| Noninterest expense to average assets | 2.4691% | 5,840 |
| Loan and lease loss provision to assets | 0.3938% | 3,350 |
| Net operating income to assets | 0.7574% | 3,160 |
| Return on assets (ROA) | 0.7574% | 3,319 |
| Pretax return on assets | 1.0149% | 3,061 |
| Return on Equity (ROE) | 4.3284% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.3284% | 3,320 |
| Net charge-offs to loans | 0.4527% | 3,176 |
| Credit loss provision to net charge-offs | 104.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 3,203 |
| Efficiency ratio | 63.6719% | 5,397 |
| Assets per employee ($millions) | 4.5353% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 7,496 |
| Loan loss allowance to noncurrent loans | 30.8108% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 4,448 |
| Noncurrent loans to loans | 1.6503% | 4,230 |
| Net loans and leases to total assets | 81.9712% | 535 |
| Net loans and leases to deposits | 99.3586% | 777 |
| Net loans and leases to core deposits | 99.3586% | 2,084 |
| Total domestic deposits to total assets | 82.5004% | 4,783 |
| Equity capital to assets | 17.1615% | 506 |
| Core capital (leverage) ratio | 17.1494% | 423 |
| Tier 1 risk-based capital ratio | 32.2060% | 419 |
| Total risk-based capital ratio | 32.9928% | 424 |
| Memoranda: | ||
| Average total assets | $13,203,330 | 7,765 |
| Average earning assets | $12,839,330 | 7,732 |
| Average equity | $2,310,330 | 7,600 |
| Average total loans | $11,043,670 | 7,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 1,939 |
| Cost of funding earning assets | 1.7060% | 2,360 |
| Net interest margin | 3.9490% | 3,107 |
| Noninterest income to average assets | 0.0615% | 7,410 |
| Noninterest expense to average assets | 2.8919% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7999% | 2,961 |
| Return on assets (ROA) | 0.7999% | 3,067 |
| Pretax return on assets | 1.0152% | 3,032 |
| Return on Equity (ROE) | 4.5257% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.5257% | 3,437 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0157% | 3,574 |
| Assets per employee ($millions) | 4.4120% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 7,586 |
| Loan loss allowance to noncurrent loans | 26.6667% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 4,123 |
| Noncurrent loans to loans | 1.8787% | 3,955 |
| Net loans and leases to total assets | 84.0284% | 370 |
| Net loans and leases to deposits | 102.2337% | 634 |
| Net loans and leases to core deposits | 102.2337% | 1,879 |
| Total domestic deposits to total assets | 82.1925% | 4,986 |
| Equity capital to assets | 17.4600% | 477 |
| Core capital (leverage) ratio | 17.4475% | 410 |
| Tier 1 risk-based capital ratio | 32.1902% | 430 |
| Total risk-based capital ratio | 32.9709% | 440 |
| Memoranda: | ||
| Average total assets | $13,002,000 | 7,867 |
| Average earning assets | $12,661,500 | 7,837 |
| Average equity | $2,298,000 | 7,690 |
| Average total loans | $10,960,500 | 7,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 3,855 |
| Cost of funding earning assets | 2.0515% | 2,715 |
| Net interest margin | 3.5010% | 4,952 |
| Noninterest income to average assets | 0.0850% | 7,332 |
| Noninterest expense to average assets | 2.9824% | 4,224 |
| Loan and lease loss provision to assets | 0.0232% | 7,275 |
| Net operating income to assets | 0.3786% | 4,212 |
| Return on assets (ROA) | 0.3786% | 4,315 |
| Pretax return on assets | 0.4945% | 4,200 |
| Return on Equity (ROE) | 2.1576% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.1576% | 3,593 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2097% | 2,198 |
| Assets per employee ($millions) | 4.2560% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5213% | 7,653 |
| Loan loss allowance to noncurrent loans | 26.5403% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 3,897 |
| Noncurrent loans to loans | 1.9641% | 3,706 |
| Net loans and leases to total assets | 83.7014% | 466 |
| Net loans and leases to deposits | 102.3071% | 736 |
| Net loans and leases to core deposits | 124.6297% | 1,599 |
| Total domestic deposits to total assets | 81.8139% | 5,027 |
| Equity capital to assets | 17.8963% | 454 |
| Core capital (leverage) ratio | 17.8834% | 415 |
| Tier 1 risk-based capital ratio | 32.0917% | 441 |
| Total risk-based capital ratio | 32.8788% | 445 |
| Memoranda: | ||
| Average total assets | $12,942,400 | 7,936 |
| Average earning assets | $12,624,800 | 7,903 |
| Average equity | $2,271,000 | 7,783 |
| Average total loans | $10,643,000 | 7,673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 3,895 |
| Cost of funding earning assets | 2.1243% | 2,777 |
| Net interest margin | 3.4703% | 4,990 |
| Noninterest income to average assets | 0.0822% | 7,492 |
| Noninterest expense to average assets | 2.3307% | 6,623 |
| Loan and lease loss provision to assets | 0.0206% | 7,149 |
| Net operating income to assets | 0.7597% | 2,987 |
| Return on assets (ROA) | 0.7597% | 3,049 |
| Pretax return on assets | 1.1191% | 2,504 |
| Return on Equity (ROE) | 4.3510% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.3510% | 2,841 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1598% | 5,151 |
| Assets per employee ($millions) | 4.2823% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 7,690 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,552 |
| Noncurrent loans to loans | 0.0188% | 7,480 |
| Net loans and leases to total assets | 82.4006% | 754 |
| Net loans and leases to deposits | 101.0790% | 1,005 |
| Net loans and leases to core deposits | 121.4409% | 2,122 |
| Total domestic deposits to total assets | 81.5210% | 4,868 |
| Equity capital to assets | 17.9731% | 516 |
| Core capital (leverage) ratio | 17.9667% | 455 |
| Tier 1 risk-based capital ratio | 33.0849% | 441 |
| Total risk-based capital ratio | 33.8733% | 442 |
| Memoranda: | ||
| Average total assets | $12,986,000 | 8,014 |
| Average earning assets | $12,678,750 | 7,982 |
| Average equity | $2,267,500 | 7,859 |
| Average total loans | $10,618,000 | 7,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 4,245 |
| Cost of funding earning assets | 2.2011% | 2,788 |
| Net interest margin | 3.3646% | 5,297 |
| Noninterest income to average assets | 0.0767% | 7,601 |
| Noninterest expense to average assets | 2.4401% | 6,333 |
| Loan and lease loss provision to assets | 0.0153% | 7,069 |
| Net operating income to assets | 0.6752% | 3,366 |
| Return on assets (ROA) | 0.6752% | 3,478 |
| Pretax return on assets | 0.9054% | 3,315 |
| Return on Equity (ROE) | 3.9047% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.9047% | 3,112 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6027% | 4,277 |
| Assets per employee ($millions) | 4.4077% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 7,789 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,594 |
| Noncurrent loans to loans | 0.0185% | 7,503 |
| Net loans and leases to total assets | 81.5397% | 1,044 |
| Net loans and leases to deposits | 99.0083% | 1,389 |
| Net loans and leases to core deposits | 114.7632% | 2,832 |
| Total domestic deposits to total assets | 82.3565% | 4,540 |
| Equity capital to assets | 17.2351% | 631 |
| Core capital (leverage) ratio | 17.2289% | 588 |
| Tier 1 risk-based capital ratio | 31.6609% | 510 |
| Total risk-based capital ratio | 32.4114% | 521 |
| Memoranda: | ||
| Average total assets | $13,032,330 | 8,105 |
| Average earning assets | $12,720,670 | 8,072 |
| Average equity | $2,253,670 | 7,942 |
| Average total loans | $10,610,330 | 7,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 4,559 |
| Cost of funding earning assets | 2.3391% | 2,545 |
| Net interest margin | 3.2241% | 5,780 |
| Noninterest income to average assets | 0.0618% | 7,756 |
| Noninterest expense to average assets | 2.6590% | 5,188 |
| Loan and lease loss provision to assets | 0.0309% | 6,544 |
| Net operating income to assets | 0.4019% | 4,850 |
| Return on assets (ROA) | 0.4019% | 5,034 |
| Pretax return on assets | 0.5256% | 4,999 |
| Return on Equity (ROE) | 2.3204% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.3204% | 4,586 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 2,452 |
| Assets per employee ($millions) | 4.2910% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 7,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.1000% | 1,182 |
| Net loans and leases to deposits | 98.6488% | 1,579 |
| Net loans and leases to core deposits | 114.3859% | 2,973 |
| Total domestic deposits to total assets | 82.2108% | 4,467 |
| Equity capital to assets | 17.4551% | 676 |
| Core capital (leverage) ratio | 17.4487% | 605 |
| Tier 1 risk-based capital ratio | 32.5554% | 507 |
| Total risk-based capital ratio | 33.3382% | 513 |
| Memoranda: | ||
| Average total assets | $12,937,000 | 8,156 |
| Average earning assets | $12,654,500 | 8,124 |
| Average equity | $2,241,000 | 7,995 |
| Average total loans | $10,497,500 | 7,881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 6,840 |
| Cost of funding earning assets | 2.7180% | 3,074 |
| Net interest margin | 2.9606% | 7,006 |
| Noninterest income to average assets | 0.0784% | 7,749 |
| Noninterest expense to average assets | 2.6341% | 5,513 |
| Loan and lease loss provision to assets | 0.0157% | 7,184 |
| Net operating income to assets | 0.2509% | 5,707 |
| Return on assets (ROA) | 0.2509% | 5,517 |
| Pretax return on assets | 0.2979% | 5,518 |
| Return on Equity (ROE) | 1.4399% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.4399% | 4,358 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3617% | 1,569 |
| Assets per employee ($millions) | 4.3337% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 7,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.3630% | 1,577 |
| Net loans and leases to deposits | 97.4627% | 2,206 |
| Net loans and leases to core deposits | 109.0605% | 3,860 |
| Total domestic deposits to total assets | 82.4552% | 4,020 |
| Equity capital to assets | 17.1910% | 760 |
| Core capital (leverage) ratio | 17.1846% | 677 |
| Tier 1 risk-based capital ratio | 31.8324% | 558 |
| Total risk-based capital ratio | 32.5876% | 569 |
| Memoranda: | ||
| Average total assets | $12,755,800 | 8,210 |
| Average earning assets | $12,362,200 | 8,179 |
| Average equity | $2,222,400 | 8,068 |
| Average total loans | $10,109,400 | 7,932 |