Home > Lotus Bank > Performance and Condition Ratios
Lotus Bank, Performance and Condition Ratios
| 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 | 4.4837% | 1,937 |
| Cost of funding earning assets | 0.6719% | 1,260 |
| Net interest margin | 3.8118% | 2,584 |
| Noninterest income to average assets | 0.1451% | 5,968 |
| Noninterest expense to average assets | 3.0902% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4322% | 5,099 |
| Return on assets (ROA) | 0.4322% | 5,189 |
| Pretax return on assets | 0.6796% | 4,695 |
| Return on Equity (ROE) | 3.7630% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.7630% | 3,541 |
| Net charge-offs to loans | 0.1100% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 2,879 |
| Efficiency ratio | 81.9715% | 1,665 |
| Assets per employee ($millions) | 5.3758% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 2,278 |
| Loan loss allowance to noncurrent loans | 81.8058% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 2,038 |
| Noncurrent loans to loans | 1.8887% | 1,494 |
| Net loans and leases to total assets | 71.4179% | 2,014 |
| Net loans and leases to deposits | 82.2646% | 2,443 |
| Net loans and leases to core deposits | 105.2946% | 1,057 |
| Total domestic deposits to total assets | 86.8149% | 2,381 |
| Equity capital to assets | 11.0199% | 2,875 |
| Core capital (leverage) ratio | 10.9667% | 2,437 |
| Tier 1 risk-based capital ratio | 13.4228% | 4,456 |
| Total risk-based capital ratio | 14.6744% | 4,394 |
| Memoranda: | ||
| Average total assets | $100,641,200 | 4,585 |
| Average earning assets | $95,701,600 | 4,514 |
| Average equity | $11,560,000 | 4,444 |
| Average total loans | $73,611,400 | 4,072 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,067 |
| Cost of funding earning assets | 0.6740% | 1,296 |
| Net interest margin | 3.7704% | 2,735 |
| Noninterest income to average assets | 0.1563% | 5,972 |
| Noninterest expense to average assets | 2.9652% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4771% | 4,959 |
| Return on assets (ROA) | 0.4771% | 5,038 |
| Pretax return on assets | 0.7723% | 4,464 |
| Return on Equity (ROE) | 4.1085% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.1085% | 3,729 |
| Net charge-offs to loans | 0.1489% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.0739% | 2,979 |
| Efficiency ratio | 79.3365% | 2,005 |
| Assets per employee ($millions) | 5.0890% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,129 |
| Loan loss allowance to noncurrent loans | 113.7866% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 2,884 |
| Noncurrent loans to loans | 1.4530% | 2,239 |
| Net loans and leases to total assets | 70.4242% | 2,129 |
| Net loans and leases to deposits | 81.6692% | 2,466 |
| Net loans and leases to core deposits | 102.7333% | 1,173 |
| Total domestic deposits to total assets | 86.2310% | 2,738 |
| Equity capital to assets | 11.5201% | 2,461 |
| Core capital (leverage) ratio | 11.2784% | 2,236 |
| Tier 1 risk-based capital ratio | 14.3666% | 3,970 |
| Total risk-based capital ratio | 15.5848% | 3,925 |
| Memoranda: | ||
| Average total assets | $98,922,750 | 4,668 |
| Average earning assets | $93,958,750 | 4,600 |
| Average equity | $11,488,000 | 4,489 |
| Average total loans | $72,516,750 | 4,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,100 |
| Cost of funding earning assets | 0.6645% | 1,410 |
| Net interest margin | 3.7571% | 2,727 |
| Noninterest income to average assets | 0.1796% | 5,872 |
| Noninterest expense to average assets | 2.8049% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5675% | 4,510 |
| Return on assets (ROA) | 0.5675% | 4,615 |
| Pretax return on assets | 0.9411% | 3,719 |
| Return on Equity (ROE) | 4.8733% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.8733% | 3,033 |
| Net charge-offs to loans | -0.1050% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8774% | 2,826 |
| Assets per employee ($millions) | 5.3853% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 1,720 |
| Loan loss allowance to noncurrent loans | 112.3939% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 2,771 |
| Noncurrent loans to loans | 1.6403% | 2,122 |
| Net loans and leases to total assets | 68.8920% | 2,260 |
| Net loans and leases to deposits | 79.7437% | 2,548 |
| Net loans and leases to core deposits | 97.4332% | 1,478 |
| Total domestic deposits to total assets | 86.3918% | 2,825 |
| Equity capital to assets | 11.3496% | 2,552 |
| Core capital (leverage) ratio | 11.0883% | 2,343 |
| Tier 1 risk-based capital ratio | 14.3667% | 4,017 |
| Total risk-based capital ratio | 15.6212% | 3,948 |
| Memoranda: | ||
| Average total assets | $97,970,670 | 4,729 |
| Average earning assets | $92,996,330 | 4,661 |
| Average equity | $11,409,000 | 4,515 |
| Average total loans | $72,395,000 | 4,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 1,160 |
| Cost of funding earning assets | 0.6480% | 1,595 |
| Net interest margin | 4.0950% | 1,466 |
| Noninterest income to average assets | 0.2046% | 5,718 |
| Noninterest expense to average assets | 2.9730% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6681% | 3,852 |
| Return on assets (ROA) | 0.6681% | 3,940 |
| Pretax return on assets | 1.1107% | 2,854 |
| Return on Equity (ROE) | 5.6602% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.6602% | 2,712 |
| Net charge-offs to loans | -0.2091% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8016% | 3,340 |
| Assets per employee ($millions) | 5.4424% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.4974% | 1,350 |
| Net loans and leases to deposits | 85.4256% | 1,672 |
| Net loans and leases to core deposits | 104.3130% | 841 |
| Total domestic deposits to total assets | 86.0367% | 3,349 |
| Equity capital to assets | 11.6696% | 2,123 |
| Core capital (leverage) ratio | 11.7792% | 1,778 |
| Tier 1 risk-based capital ratio | 13.9821% | 4,347 |
| Total risk-based capital ratio | 15.2370% | 4,285 |
| Memoranda: | ||
| Average total assets | $95,795,500 | 4,823 |
| Average earning assets | $90,744,500 | 4,756 |
| Average equity | $11,307,000 | 4,542 |
| Average total loans | $72,685,000 | 4,176 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 755 |
| Cost of funding earning assets | 0.6478% | 2,217 |
| Net interest margin | 4.4586% | 806 |
| Noninterest income to average assets | 0.4174% | 4,317 |
| Noninterest expense to average assets | 3.4276% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7772% | 3,406 |
| Return on assets (ROA) | 0.7772% | 3,510 |
| Pretax return on assets | 1.1817% | 2,648 |
| Return on Equity (ROE) | 6.0125% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.0125% | 1,960 |
| Net charge-offs to loans | 0.1001% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.4615% | 1,864 |
| Efficiency ratio | 74.3622% | 3,068 |
| Assets per employee ($millions) | 4.9277% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,111 |
| Loan loss allowance to noncurrent loans | 2,381.4815% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 6,186 |
| Noncurrent loans to loans | 0.0750% | 5,991 |
| Net loans and leases to total assets | 75.5754% | 1,133 |
| Net loans and leases to deposits | 88.4123% | 1,419 |
| Net loans and leases to core deposits | 102.9012% | 979 |
| Total domestic deposits to total assets | 85.4807% | 3,517 |
| Equity capital to assets | 11.9431% | 1,841 |
| Core capital (leverage) ratio | 12.2003% | 1,496 |
| Tier 1 risk-based capital ratio | 14.1202% | 4,212 |
| Total risk-based capital ratio | 15.3709% | 4,163 |
| Memoranda: | ||
| Average total assets | $85,044,600 | 5,113 |
| Average earning assets | $79,958,600 | 5,035 |
| Average equity | $10,993,800 | 4,637 |
| Average total loans | $64,905,200 | 4,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 854 |
| Cost of funding earning assets | 0.6463% | 2,393 |
| Net interest margin | 4.4006% | 893 |
| Noninterest income to average assets | 0.5308% | 3,583 |
| Noninterest expense to average assets | 3.4917% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8798% | 2,939 |
| Return on assets (ROA) | 0.8798% | 3,054 |
| Pretax return on assets | 1.1677% | 2,818 |
| Return on Equity (ROE) | 6.6624% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.6624% | 2,055 |
| Net charge-offs to loans | 0.1373% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.1699% | 2,268 |
| Efficiency ratio | 74.9396% | 2,917 |
| Assets per employee ($millions) | 4.7006% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,168 |
| Loan loss allowance to noncurrent loans | 2,381.4815% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 6,257 |
| Noncurrent loans to loans | 0.0774% | 6,104 |
| Net loans and leases to total assets | 80.9729% | 453 |
| Net loans and leases to deposits | 95.5830% | 722 |
| Net loans and leases to core deposits | 119.9965% | 323 |
| Total domestic deposits to total assets | 84.7148% | 3,874 |
| Equity capital to assets | 13.0598% | 1,311 |
| Core capital (leverage) ratio | 13.3015% | 1,100 |
| Tier 1 risk-based capital ratio | 14.4083% | 4,140 |
| Total risk-based capital ratio | 15.6629% | 4,096 |
| Memoranda: | ||
| Average total assets | $82,899,000 | 5,220 |
| Average earning assets | $77,775,000 | 5,142 |
| Average equity | $10,946,750 | 4,696 |
| Average total loans | $63,120,250 | 4,552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 940 |
| Cost of funding earning assets | 0.6470% | 2,521 |
| Net interest margin | 4.3312% | 976 |
| Noninterest income to average assets | 0.7604% | 2,363 |
| Noninterest expense to average assets | 3.5638% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8745% | 2,935 |
| Return on assets (ROA) | 0.8745% | 3,080 |
| Pretax return on assets | 1.2462% | 2,495 |
| Return on Equity (ROE) | 6.5980% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.5980% | 2,092 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0909% | 3,112 |
| Assets per employee ($millions) | 4.6132% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,125.8333% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 6,064 |
| Noncurrent loans to loans | 0.1932% | 5,828 |
| Net loans and leases to total assets | 73.1565% | 1,380 |
| Net loans and leases to deposits | 84.6165% | 1,722 |
| Net loans and leases to core deposits | 106.0009% | 738 |
| Total domestic deposits to total assets | 86.4566% | 3,137 |
| Equity capital to assets | 13.1652% | 1,276 |
| Core capital (leverage) ratio | 13.1794% | 1,105 |
| Tier 1 risk-based capital ratio | 15.2884% | 3,606 |
| Total risk-based capital ratio | 16.5465% | 3,558 |
| Memoranda: | ||
| Average total assets | $82,328,330 | 5,268 |
| Average earning assets | $76,976,330 | 5,196 |
| Average equity | $10,912,330 | 4,744 |
| Average total loans | $60,894,330 | 4,649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 893 |
| Cost of funding earning assets | 0.6473% | 2,687 |
| Net interest margin | 4.3487% | 883 |
| Noninterest income to average assets | 0.3465% | 4,914 |
| Noninterest expense to average assets | 3.6792% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5465% | 4,466 |
| Return on assets (ROA) | 0.5465% | 4,620 |
| Pretax return on assets | 0.7319% | 4,438 |
| Return on Equity (ROE) | 4.1091% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.1091% | 3,752 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4071% | 1,843 |
| Assets per employee ($millions) | 4.3159% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1819% | 1,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 5,509 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.8616% | 1,098 |
| Net loans and leases to deposits | 85.5420% | 1,414 |
| Net loans and leases to core deposits | 108.8452% | 534 |
| Total domestic deposits to total assets | 86.3455% | 3,335 |
| Equity capital to assets | 13.3485% | 1,272 |
| Core capital (leverage) ratio | 12.9154% | 1,147 |
| Tier 1 risk-based capital ratio | 14.9721% | 3,855 |
| Total risk-based capital ratio | 16.2305% | 3,807 |
| Memoranda: | ||
| Average total assets | $81,974,000 | 5,320 |
| Average earning assets | $76,621,000 | 5,248 |
| Average equity | $10,902,500 | 4,787 |
| Average total loans | $60,292,500 | 4,696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5081% | 609 |
| Cost of funding earning assets | 0.7647% | 2,968 |
| Net interest margin | 4.7434% | 604 |
| Noninterest income to average assets | 0.2370% | 5,749 |
| Noninterest expense to average assets | 3.1522% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0882% | 305 |
| Return on assets (ROA) | 2.0962% | 335 |
| Pretax return on assets | 1.5621% | 1,484 |
| Return on Equity (ROE) | 16.9095% | 546 |
| Retained earnings to average equity (ytd only) | 16.9095% | 94 |
| Net charge-offs to loans | 0.0646% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 31.5405% | 970 |
| Efficiency ratio | 66.9779% | 4,336 |
| Assets per employee ($millions) | 5.8533% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3029% | 1,364 |
| Loan loss allowance to noncurrent loans | 457.9661% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 5,608 |
| Noncurrent loans to loans | 0.5028% | 5,279 |
| Net loans and leases to total assets | 69.9424% | 1,850 |
| Net loans and leases to deposits | 80.9854% | 2,148 |
| Net loans and leases to core deposits | 101.6782% | 907 |
| Total domestic deposits to total assets | 86.3642% | 3,167 |
| Equity capital to assets | 13.2514% | 1,327 |
| Core capital (leverage) ratio | 13.4546% | 961 |
| Tier 1 risk-based capital ratio | 16.0780% | 3,119 |
| Total risk-based capital ratio | 17.2062% | 3,148 |
| Memoranda: | ||
| Average total assets | $75,089,800 | 5,481 |
| Average earning assets | $70,750,200 | 5,398 |
| Average equity | $9,308,400 | 5,146 |
| Average total loans | $57,276,000 | 4,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 851 |
| Cost of funding earning assets | 0.7859% | 3,065 |
| Net interest margin | 4.6058% | 809 |
| Noninterest income to average assets | 0.2417% | 5,821 |
| Noninterest expense to average assets | 3.1908% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3955% | 1,235 |
| Return on assets (ROA) | 1.4064% | 1,329 |
| Pretax return on assets | 1.4064% | 2,213 |
| Return on Equity (ROE) | 11.5682% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.5682% | 596 |
| Net charge-offs to loans | 0.0867% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.7576% | 1,435 |
| Efficiency ratio | 69.5721% | 3,773 |
| Assets per employee ($millions) | 5.2207% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2466% | 1,615 |
| Loan loss allowance to noncurrent loans | 457.9661% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 5,761 |
| Noncurrent loans to loans | 0.4906% | 5,467 |
| Net loans and leases to total assets | 75.0658% | 1,108 |
| Net loans and leases to deposits | 86.5336% | 1,542 |
| Net loans and leases to core deposits | 108.6440% | 622 |
| Total domestic deposits to total assets | 86.7475% | 2,827 |
| Equity capital to assets | 12.8949% | 1,645 |
| Core capital (leverage) ratio | 12.7064% | 1,314 |
| Tier 1 risk-based capital ratio | 14.9817% | 3,862 |
| Total risk-based capital ratio | 16.2415% | 3,805 |
| Memoranda: | ||
| Average total assets | $73,375,750 | 5,592 |
| Average earning assets | $69,215,750 | 5,520 |
| Average equity | $8,920,750 | 5,291 |
| Average total loans | $56,928,500 | 4,892 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 881 |
| Cost of funding earning assets | 0.7989% | 3,197 |
| Net interest margin | 4.5920% | 841 |
| Noninterest income to average assets | 0.2203% | 5,994 |
| Noninterest expense to average assets | 3.1172% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4303% | 1,128 |
| Return on assets (ROA) | 1.4471% | 1,225 |
| Pretax return on assets | 1.4471% | 2,023 |
| Return on Equity (ROE) | 12.1712% | 1,616 |
| Retained earnings to average equity (ytd only) | 12.1712% | 556 |
| Net charge-offs to loans | 0.1504% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.2143% | 1,896 |
| Efficiency ratio | 68.5469% | 4,032 |
| Assets per employee ($millions) | 4.9463% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,743 |
| Loan loss allowance to noncurrent loans | 456.2712% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 5,789 |
| Noncurrent loans to loans | 0.4842% | 5,558 |
| Net loans and leases to total assets | 80.3073% | 475 |
| Net loans and leases to deposits | 91.4384% | 1,011 |
| Net loans and leases to core deposits | 116.1867% | 389 |
| Total domestic deposits to total assets | 87.8267% | 2,267 |
| Equity capital to assets | 11.8957% | 2,225 |
| Core capital (leverage) ratio | 11.6984% | 1,785 |
| Tier 1 risk-based capital ratio | 13.0780% | 5,130 |
| Total risk-based capital ratio | 14.3249% | 5,112 |
| Memoranda: | ||
| Average total assets | $71,731,000 | 5,674 |
| Average earning assets | $67,595,330 | 5,603 |
| Average equity | $8,528,330 | 5,408 |
| Average total loans | $55,859,670 | 4,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 1,084 |
| Cost of funding earning assets | 0.8329% | 3,201 |
| Net interest margin | 4.4724% | 1,065 |
| Noninterest income to average assets | 0.1986% | 6,198 |
| Noninterest expense to average assets | 3.1490% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2539% | 1,593 |
| Return on assets (ROA) | 1.2880% | 1,657 |
| Pretax return on assets | 1.2880% | 2,582 |
| Return on Equity (ROE) | 10.8360% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.8360% | 1,080 |
| Net charge-offs to loans | 0.3151% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.2619% | 2,411 |
| Efficiency ratio | 71.5206% | 3,529 |
| Assets per employee ($millions) | 5.0885% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4914% | 1,371 |
| Loan loss allowance to noncurrent loans | 456.2712% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 5,826 |
| Noncurrent loans to loans | 0.5460% | 5,566 |
| Net loans and leases to total assets | 73.9469% | 1,076 |
| Net loans and leases to deposits | 85.3005% | 1,500 |
| Net loans and leases to core deposits | 112.6534% | 453 |
| Total domestic deposits to total assets | 86.6899% | 3,122 |
| Equity capital to assets | 11.9218% | 2,095 |
| Core capital (leverage) ratio | 11.5976% | 1,838 |
| Tier 1 risk-based capital ratio | 13.8090% | 4,602 |
| Total risk-based capital ratio | 15.0718% | 4,569 |
| Memoranda: | ||
| Average total assets | $70,499,000 | 5,753 |
| Average earning assets | $66,272,500 | 5,677 |
| Average equity | $8,379,500 | 5,476 |
| Average total loans | $53,324,500 | 5,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3888% | 1,444 |
| Cost of funding earning assets | 0.9254% | 3,916 |
| Net interest margin | 4.4634% | 1,222 |
| Noninterest income to average assets | 0.2659% | 5,620 |
| Noninterest expense to average assets | 3.4127% | 2,210 |
| Loan and lease loss provision to assets | 0.6043% | 1,712 |
| Net operating income to assets | 0.4323% | 4,721 |
| Return on assets (ROA) | 0.4323% | 4,923 |
| Pretax return on assets | 0.4323% | 5,194 |
| Return on Equity (ROE) | 3.7770% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.7770% | 3,527 |
| Net charge-offs to loans | -0.0077% | 6,865 |
| Credit loss provision to net charge-offs | -10,625.0000% | 6,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7018% | 2,791 |
| Assets per employee ($millions) | 4.9828% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 1,146 |
| Loan loss allowance to noncurrent loans | 413.0952% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 5,768 |
| Noncurrent loans to loans | 0.6385% | 5,436 |
| Net loans and leases to total assets | 73.4472% | 1,366 |
| Net loans and leases to deposits | 83.5238% | 1,980 |
| Net loans and leases to core deposits | 105.5651% | 812 |
| Total domestic deposits to total assets | 87.9356% | 2,203 |
| Equity capital to assets | 11.8494% | 2,238 |
| Core capital (leverage) ratio | 11.4263% | 1,946 |
| Tier 1 risk-based capital ratio | 13.9984% | 4,327 |
| Total risk-based capital ratio | 15.2635% | 4,272 |
| Memoranda: | ||
| Average total assets | $70,325,000 | 5,733 |
| Average earning assets | $65,914,400 | 5,667 |
| Average equity | $8,048,800 | 5,558 |
| Average total loans | $51,975,400 | 5,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 1,960 |
| Cost of funding earning assets | 0.9650% | 3,930 |
| Net interest margin | 4.3081% | 1,687 |
| Noninterest income to average assets | 0.2592% | 5,768 |
| Noninterest expense to average assets | 3.3585% | 2,318 |
| Loan and lease loss provision to assets | 0.2119% | 3,904 |
| Net operating income to assets | 0.7266% | 3,477 |
| Return on assets (ROA) | 0.7266% | 3,659 |
| Pretax return on assets | 0.7266% | 4,389 |
| Return on Equity (ROE) | 6.4043% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4043% | 2,293 |
| Net charge-offs to loans | -0.0103% | 6,786 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1594% | 2,525 |
| Assets per employee ($millions) | 4.9721% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 2,081 |
| Loan loss allowance to noncurrent loans | 61.2536% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.5212% | 2,564 |
| Noncurrent loans to loans | 3.4149% | 2,017 |
| Net loans and leases to total assets | 72.2852% | 1,651 |
| Net loans and leases to deposits | 82.4099% | 2,282 |
| Net loans and leases to core deposits | 103.1868% | 1,027 |
| Total domestic deposits to total assets | 87.7142% | 2,223 |
| Equity capital to assets | 11.9999% | 2,249 |
| Core capital (leverage) ratio | 11.1322% | 2,293 |
| Tier 1 risk-based capital ratio | 14.3424% | 4,097 |
| Total risk-based capital ratio | 15.6001% | 4,054 |
| Memoranda: | ||
| Average total assets | $70,466,500 | 5,770 |
| Average earning assets | $66,043,750 | 5,712 |
| Average equity | $7,994,500 | 5,605 |
| Average total loans | $51,813,250 | 5,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 2,009 |
| Cost of funding earning assets | 1.0052% | 3,917 |
| Net interest margin | 4.2593% | 1,802 |
| Noninterest income to average assets | 0.2177% | 6,110 |
| Noninterest expense to average assets | 3.3893% | 2,290 |
| Loan and lease loss provision to assets | 0.2403% | 3,508 |
| Net operating income to assets | 0.5767% | 4,172 |
| Return on assets (ROA) | 0.5767% | 4,298 |
| Pretax return on assets | 0.5767% | 4,823 |
| Return on Equity (ROE) | 5.1810% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.1810% | 2,891 |
| Net charge-offs to loans | -0.0115% | 6,714 |
| Credit loss provision to net charge-offs | -2,833.3333% | 6,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5780% | 2,304 |
| Assets per employee ($millions) | 5.3094% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.7927% | 2,457 |
| Net loans and leases to deposits | 77.3343% | 3,248 |
| Net loans and leases to core deposits | 92.7973% | 2,041 |
| Total domestic deposits to total assets | 88.9550% | 1,561 |
| Equity capital to assets | 10.8594% | 3,118 |
| Core capital (leverage) ratio | 10.9623% | 2,284 |
| Tier 1 risk-based capital ratio | 13.4958% | 4,527 |
| Total risk-based capital ratio | 14.7514% | 4,506 |
| Memoranda: | ||
| Average total assets | $70,752,330 | 5,805 |
| Average earning assets | $66,255,670 | 5,748 |
| Average equity | $7,875,000 | 5,658 |
| Average total loans | $51,953,670 | 5,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 1,939 |
| Cost of funding earning assets | 1.0631% | 3,767 |
| Net interest margin | 4.2153% | 1,855 |
| Noninterest income to average assets | 0.1798% | 6,435 |
| Noninterest expense to average assets | 3.5034% | 1,994 |
| Loan and lease loss provision to assets | 0.1740% | 3,886 |
| Net operating income to assets | 0.4350% | 4,783 |
| Return on assets (ROA) | 0.4350% | 4,864 |
| Pretax return on assets | 0.4350% | 5,232 |
| Return on Equity (ROE) | 3.8578% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.8578% | 3,859 |
| Net charge-offs to loans | -0.0154% | 6,492 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1904% | 1,811 |
| Assets per employee ($millions) | 4.9721% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.5352% | 1,605 |
| Net loans and leases to deposits | 81.9393% | 2,376 |
| Net loans and leases to core deposits | 94.0575% | 1,874 |
| Total domestic deposits to total assets | 88.5230% | 2,059 |
| Equity capital to assets | 11.2313% | 2,477 |
| Core capital (leverage) ratio | 11.2669% | 1,990 |
| Tier 1 risk-based capital ratio | 13.1672% | 4,693 |
| Total risk-based capital ratio | 14.4218% | 4,663 |
| Memoranda: | ||
| Average total assets | $68,962,500 | 5,898 |
| Average earning assets | $64,337,500 | 5,847 |
| Average equity | $7,776,500 | 5,684 |
| Average total loans | $51,839,500 | 5,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 2,326 |
| Cost of funding earning assets | 1.4301% | 3,072 |
| Net interest margin | 4.0601% | 2,751 |
| Noninterest income to average assets | 0.1070% | 6,859 |
| Noninterest expense to average assets | 3.2333% | 2,967 |
| Loan and lease loss provision to assets | 0.3964% | 3,740 |
| Net operating income to assets | 0.2517% | 5,105 |
| Return on assets (ROA) | 0.4070% | 4,645 |
| Pretax return on assets | 0.4070% | 4,923 |
| Return on Equity (ROE) | 3.5381% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.5381% | 3,380 |
| Net charge-offs to loans | 0.1687% | 5,318 |
| Credit loss provision to net charge-offs | 313.0952% | 845 |
| Earnings coverage of net charge-offs (x) | 5.1190% | 2,708 |
| Efficiency ratio | 83.3010% | 2,016 |
| Assets per employee ($millions) | 4.8797% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 2,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.0015% | 1,477 |
| Net loans and leases to deposits | 84.7848% | 2,329 |
| Net loans and leases to core deposits | 97.5869% | 1,834 |
| Total domestic deposits to total assets | 88.4610% | 1,971 |
| Equity capital to assets | 11.3224% | 2,394 |
| Core capital (leverage) ratio | 11.1910% | 2,022 |
| Tier 1 risk-based capital ratio | 13.0422% | 4,571 |
| Total risk-based capital ratio | 14.2960% | 4,526 |
| Memoranda: | ||
| Average total assets | $66,341,000 | 5,986 |
| Average earning assets | $61,673,000 | 5,936 |
| Average equity | $7,631,200 | 5,831 |
| Average total loans | $49,800,800 | 5,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 2,579 |
| Cost of funding earning assets | 1.5190% | 2,850 |
| Net interest margin | 3.9468% | 3,333 |
| Noninterest income to average assets | 0.1053% | 7,023 |
| Noninterest expense to average assets | 3.1871% | 2,970 |
| Loan and lease loss provision to assets | 0.2592% | 4,513 |
| Net operating income to assets | 0.3260% | 5,061 |
| Return on assets (ROA) | 0.5346% | 4,337 |
| Pretax return on assets | 0.5346% | 4,813 |
| Return on Equity (ROE) | 4.6283% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.6283% | 3,244 |
| Net charge-offs to loans | 0.0108% | 6,515 |
| Credit loss provision to net charge-offs | 3,200.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 72.2927% | 415 |
| Efficiency ratio | 84.4874% | 1,786 |
| Assets per employee ($millions) | 5.3931% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.1083% | 2,462 |
| Net loans and leases to deposits | 80.1937% | 3,415 |
| Net loans and leases to core deposits | 91.4736% | 2,880 |
| Total domestic deposits to total assets | 88.6707% | 1,580 |
| Equity capital to assets | 11.1097% | 2,844 |
| Core capital (leverage) ratio | 10.9920% | 2,269 |
| Tier 1 risk-based capital ratio | 13.2952% | 4,357 |
| Total risk-based capital ratio | 14.5476% | 4,323 |
| Memoranda: | ||
| Average total assets | $65,847,250 | 6,073 |
| Average earning assets | $61,179,250 | 6,020 |
| Average equity | $7,605,250 | 5,910 |
| Average total loans | $49,201,750 | 5,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 2,288 |
| Cost of funding earning assets | 1.5737% | 2,808 |
| Net interest margin | 3.9879% | 3,075 |
| Noninterest income to average assets | 0.0993% | 7,100 |
| Noninterest expense to average assets | 3.3465% | 2,414 |
| Loan and lease loss provision to assets | 0.2018% | 4,855 |
| Net operating income to assets | 0.2483% | 5,382 |
| Return on assets (ROA) | 0.5681% | 4,154 |
| Pretax return on assets | 0.5681% | 4,677 |
| Return on Equity (ROE) | 4.8515% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.8515% | 2,982 |
| Net charge-offs to loans | 0.0164% | 6,110 |
| Credit loss provision to net charge-offs | 1,625.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 796 |
| Efficiency ratio | 88.1439% | 1,494 |
| Assets per employee ($millions) | 5.3395% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.0149% | 3,128 |
| Net loans and leases to deposits | 77.8048% | 4,015 |
| Net loans and leases to core deposits | 88.8596% | 3,434 |
| Total domestic deposits to total assets | 88.7026% | 1,599 |
| Equity capital to assets | 11.0525% | 2,805 |
| Core capital (leverage) ratio | 11.2267% | 2,083 |
| Tier 1 risk-based capital ratio | 13.5714% | 4,023 |
| Total risk-based capital ratio | 14.8241% | 3,991 |
| Memoranda: | ||
| Average total assets | $64,426,330 | 6,161 |
| Average earning assets | $59,731,000 | 6,109 |
| Average equity | $7,544,000 | 5,950 |
| Average total loans | $48,683,000 | 5,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 2,193 |
| Cost of funding earning assets | 1.6161% | 2,861 |
| Net interest margin | 3.9738% | 2,980 |
| Noninterest income to average assets | 0.2390% | 6,242 |
| Noninterest expense to average assets | 3.5975% | 1,740 |
| Loan and lease loss provision to assets | 0.2971% | 3,662 |
| Net operating income to assets | 0.0129% | 6,254 |
| Return on assets (ROA) | 0.6782% | 3,652 |
| Pretax return on assets | 0.6782% | 4,311 |
| Return on Equity (ROE) | 5.6150% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.6150% | 2,808 |
| Net charge-offs to loans | 0.0329% | 5,117 |
| Credit loss provision to net charge-offs | 1,150.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,600 |
| Efficiency ratio | 92.0661% | 1,274 |
| Assets per employee ($millions) | 4.7652% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.8524% | 2,242 |
| Net loans and leases to deposits | 82.7959% | 3,141 |
| Net loans and leases to core deposits | 96.1331% | 2,571 |
| Total domestic deposits to total assets | 87.9903% | 2,063 |
| Equity capital to assets | 11.3711% | 2,449 |
| Core capital (leverage) ratio | 12.3305% | 1,480 |
| Tier 1 risk-based capital ratio | 13.6882% | 3,875 |
| Total risk-based capital ratio | 14.9405% | 3,823 |
| Memoranda: | ||
| Average total assets | $61,932,500 | 6,314 |
| Average earning assets | $57,174,500 | 6,271 |
| Average equity | $7,480,000 | 6,021 |
| Average total loans | $48,651,000 | 5,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4630% | 4,367 |
| Cost of funding earning assets | 1.7995% | 3,997 |
| Net interest margin | 3.6635% | 4,293 |
| Noninterest income to average assets | 0.1102% | 7,211 |
| Noninterest expense to average assets | 4.4074% | 867 |
| Loan and lease loss provision to assets | 1.0116% | 2,257 |
| Net operating income to assets | -1.9951% | 7,091 |
| Return on assets (ROA) | -1.9951% | 7,091 |
| Pretax return on assets | -1.9951% | 6,940 |
| Return on Equity (ROE) | -11.8070% | 6,754 |
| Retained earnings to average equity (ytd only) | -11.8070% | 6,662 |
| Net charge-offs to loans | 0.0056% | 7,169 |
| Credit loss provision to net charge-offs | 23,400.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -227.5000% | 7,234 |
| Efficiency ratio | 128.7247% | 490 |
| Assets per employee ($millions) | 4.3963% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.4083% | 630 |
| Net loans and leases to deposits | 94.9365% | 1,471 |
| Net loans and leases to core deposits | 147.3055% | 576 |
| Total domestic deposits to total assets | 86.8036% | 2,605 |
| Equity capital to assets | 12.9024% | 1,545 |
| Core capital (leverage) ratio | 13.4922% | 1,094 |
| Tier 1 risk-based capital ratio | 14.0911% | 3,447 |
| Total risk-based capital ratio | 15.3446% | 3,397 |
| Memoranda: | ||
| Average total assets | $46,263,200 | 6,859 |
| Average earning assets | $41,845,000 | 6,868 |
| Average equity | $7,817,400 | 5,992 |
| Average total loans | $35,860,600 | 6,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 6,142 |
| Cost of funding earning assets | 1.8570% | 4,114 |
| Net interest margin | 3.2828% | 5,706 |
| Noninterest income to average assets | 0.1072% | 7,369 |
| Noninterest expense to average assets | 4.5443% | 705 |
| Loan and lease loss provision to assets | 0.6921% | 2,661 |
| Net operating income to assets | -2.1680% | 7,373 |
| Return on assets (ROA) | -2.1680% | 7,366 |
| Pretax return on assets | -2.1680% | 7,239 |
| Return on Equity (ROE) | -11.9065% | 7,014 |
| Retained earnings to average equity (ytd only) | -11.9065% | 6,938 |
| Net charge-offs to loans | 0.0081% | 6,848 |
| Credit loss provision to net charge-offs | 11,300.0000% | 28 |
| Earnings coverage of net charge-offs (x) | -240.6929% | 6,983 |
| Efficiency ratio | 148.1038% | 332 |
| Assets per employee ($millions) | 3.7346% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.6878% | 466 |
| Net loans and leases to deposits | 99.4341% | 1,164 |
| Net loans and leases to core deposits | 152.1929% | 536 |
| Total domestic deposits to total assets | 85.1697% | 3,139 |
| Equity capital to assets | 14.5147% | 1,140 |
| Core capital (leverage) ratio | 15.8839% | 694 |
| Tier 1 risk-based capital ratio | 15.4944% | 2,830 |
| Total risk-based capital ratio | 16.5928% | 2,835 |
| Memoranda: | ||
| Average total assets | $43,541,000 | 7,013 |
| Average earning assets | $39,274,500 | 7,024 |
| Average equity | $7,928,250 | 6,008 |
| Average total loans | $32,856,250 | 6,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 7,223 |
| Cost of funding earning assets | 1.9865% | 3,840 |
| Net interest margin | 2.8151% | 6,985 |
| Noninterest income to average assets | 0.1378% | 7,269 |
| Noninterest expense to average assets | 4.6915% | 651 |
| Loan and lease loss provision to assets | 0.4431% | 3,328 |
| Net operating income to assets | -2.4713% | 7,550 |
| Return on assets (ROA) | -2.4713% | 7,542 |
| Pretax return on assets | -2.4713% | 7,411 |
| Return on Equity (ROE) | -12.4855% | 7,200 |
| Retained earnings to average equity (ytd only) | -12.4855% | 7,085 |
| Net charge-offs to loans | 0.0139% | 6,354 |
| Credit loss provision to net charge-offs | 4,500.0000% | 109 |
| Earnings coverage of net charge-offs (x) | -206.0000% | 6,619 |
| Efficiency ratio | 176.1553% | 262 |
| Assets per employee ($millions) | 3.3825% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.7223% | 3,769 |
| Net loans and leases to deposits | 83.7464% | 3,931 |
| Net loans and leases to core deposits | 130.4762% | 1,525 |
| Total domestic deposits to total assets | 83.2541% | 4,124 |
| Equity capital to assets | 16.4629% | 759 |
| Core capital (leverage) ratio | 17.6229% | 548 |
| Tier 1 risk-based capital ratio | 19.6913% | 1,635 |
| Total risk-based capital ratio | 20.7067% | 1,643 |
| Memoranda: | ||
| Average total assets | $40,626,330 | 7,182 |
| Average earning assets | $36,445,670 | 7,203 |
| Average equity | $8,041,330 | 6,009 |
| Average total loans | $28,869,330 | 6,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 7,342 |
| Cost of funding earning assets | 2.0958% | 3,676 |
| Net interest margin | 2.7221% | 7,154 |
| Noninterest income to average assets | 0.0859% | 7,626 |
| Noninterest expense to average assets | 5.0024% | 485 |
| Loan and lease loss provision to assets | 0.3865% | 3,005 |
| Net operating income to assets | -2.8769% | 7,822 |
| Return on assets (ROA) | -2.8769% | 7,829 |
| Pretax return on assets | -2.8769% | 7,731 |
| Return on Equity (ROE) | -13.1308% | 7,526 |
| Retained earnings to average equity (ytd only) | -13.1308% | 7,333 |
| Net charge-offs to loans | 0.0301% | 5,105 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | -116.0000% | 5,710 |
| Efficiency ratio | 199.1453% | 188 |
| Assets per employee ($millions) | 3.3478% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,411 |
| 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 | 68.3054% | 4,064 |
| Net loans and leases to deposits | 85.7156% | 3,681 |
| Net loans and leases to core deposits | 129.7999% | 1,669 |
| Total domestic deposits to total assets | 79.6884% | 5,471 |
| Equity capital to assets | 19.9881% | 419 |
| Core capital (leverage) ratio | 21.6489% | 322 |
| Tier 1 risk-based capital ratio | 23.6156% | 1,124 |
| Total risk-based capital ratio | 24.6390% | 1,125 |
| Memoranda: | ||
| Average total assets | $37,262,000 | 7,361 |
| Average earning assets | $33,209,500 | 7,399 |
| Average equity | $8,164,000 | 5,997 |
| Average total loans | $26,594,500 | 6,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 7,694 |
| Cost of funding earning assets | 1.8227% | 6,949 |
| Net interest margin | 3.3631% | 5,807 |
| Noninterest income to average assets | 0.1626% | 7,258 |
| Noninterest expense to average assets | 7.8487% | 229 |
| Loan and lease loss provision to assets | 0.9425% | 1,570 |
| Net operating income to assets | -5.7969% | 8,140 |
| Return on assets (ROA) | -5.7969% | 8,130 |
| Pretax return on assets | -5.7969% | 8,087 |
| Return on Equity (ROE) | -15.4847% | 7,606 |
| Retained earnings to average equity (ytd only) | -15.4847% | 7,488 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 262.1170% | 128 |
| Assets per employee ($millions) | 2.8625% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 4,263 |
| 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 | 73.0306% | 3,350 |
| Net loans and leases to deposits | 96.6593% | 2,346 |
| Net loans and leases to core deposits | 124.1451% | 2,314 |
| Total domestic deposits to total assets | 75.5546% | 6,331 |
| Equity capital to assets | 24.1572% | 283 |
| Core capital (leverage) ratio | 27.6370% | 215 |
| Tier 1 risk-based capital ratio | 27.0021% | 828 |
| Total risk-based capital ratio | 28.0238% | 823 |
| Memoranda: | ||
| Average total assets | $23,978,400 | 7,871 |
| Average earning assets | $20,189,800 | 7,928 |
| Average equity | $8,976,600 | 5,745 |
| Average total loans | $15,963,800 | 7,593 |