Home > Medina Savings and Loan Association > Performance and Condition Ratios
Medina Savings and Loan Association, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,905 |
| Cost of funding earning assets | 0.6782% | 1,752 |
| Net interest margin | 2.8348% | 5,084 |
| Noninterest income to average assets | 0.6694% | 2,009 |
| Noninterest expense to average assets | 3.1459% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2817% | 5,410 |
| Return on assets (ROA) | -0.2817% | 5,403 |
| Pretax return on assets | 0.2451% | 5,206 |
| Return on Equity (ROE) | -4.2813% | 5,429 |
| Retained earnings to average equity (ytd only) | -4.2813% | 5,258 |
| Net charge-offs to loans | -0.0447% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7724% | 287 |
| Assets per employee ($millions) | 3.6743% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,407 |
| Loan loss allowance to noncurrent loans | 113.8340% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,540 |
| Noncurrent loans to loans | 0.9445% | 1,840 |
| Net loans and leases to total assets | 48.0813% | 4,715 |
| Net loans and leases to deposits | 52.1069% | 4,907 |
| Net loans and leases to core deposits | 52.9545% | 4,961 |
| Total domestic deposits to total assets | 92.2743% | 66 |
| Equity capital to assets | 6.4247% | 5,489 |
| Core capital (leverage) ratio | 8.0424% | 5,331 |
| Tier 1 risk-based capital ratio | 19.4182% | 1,449 |
| Total risk-based capital ratio | 20.6681% | 1,409 |
| Memoranda: | ||
| Average total assets | $54,673,670 | 4,971 |
| Average earning assets | $52,491,330 | 4,919 |
| Average equity | $3,597,000 | 5,354 |
| Average total loans | $26,843,330 | 4,997 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 4,891 |
| Cost of funding earning assets | 0.6507% | 1,715 |
| Net interest margin | 2.8401% | 5,113 |
| Noninterest income to average assets | 0.7493% | 1,625 |
| Noninterest expense to average assets | 3.2689% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.7787% | 5,525 |
| Return on assets (ROA) | -0.7787% | 5,523 |
| Pretax return on assets | 0.2057% | 5,257 |
| Return on Equity (ROE) | -11.6966% | 5,541 |
| Retained earnings to average equity (ytd only) | -11.6966% | 5,402 |
| Net charge-offs to loans | -0.0447% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0803% | 297 |
| Assets per employee ($millions) | 3.9272% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,603 |
| Loan loss allowance to noncurrent loans | 109.6154% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 2,537 |
| Noncurrent loans to loans | 0.9667% | 1,886 |
| Net loans and leases to total assets | 48.3985% | 4,667 |
| Net loans and leases to deposits | 52.4438% | 4,864 |
| Net loans and leases to core deposits | 53.2946% | 4,938 |
| Total domestic deposits to total assets | 92.2864% | 80 |
| Equity capital to assets | 6.4186% | 5,546 |
| Core capital (leverage) ratio | 8.1314% | 5,353 |
| Tier 1 risk-based capital ratio | 19.3176% | 1,470 |
| Total risk-based capital ratio | 20.5740% | 1,439 |
| Memoranda: | ||
| Average total assets | $54,453,000 | 5,033 |
| Average earning assets | $52,252,000 | 4,988 |
| Average equity | $3,625,000 | 5,404 |
| Average total loans | $26,871,000 | 5,048 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,661 |
| Cost of funding earning assets | 0.5730% | 1,797 |
| Net interest margin | 2.9882% | 4,910 |
| Noninterest income to average assets | 0.5928% | 2,486 |
| Noninterest expense to average assets | 3.3803% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0646% | 5,289 |
| Return on assets (ROA) | 0.0646% | 5,296 |
| Pretax return on assets | 0.0760% | 5,390 |
| Return on Equity (ROE) | 0.9531% | 5,236 |
| Retained earnings to average equity (ytd only) | 0.9531% | 4,637 |
| Net charge-offs to loans | 0.2151% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 3,973 |
| Efficiency ratio | 97.8010% | 212 |
| Assets per employee ($millions) | 3.5950% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,620 |
| Loan loss allowance to noncurrent loans | 284.8485% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,649 |
| Noncurrent loans to loans | 0.3688% | 3,438 |
| Net loans and leases to total assets | 49.2629% | 4,686 |
| Net loans and leases to deposits | 53.6515% | 4,913 |
| Net loans and leases to core deposits | 54.5393% | 4,983 |
| Total domestic deposits to total assets | 91.8201% | 95 |
| Equity capital to assets | 6.9003% | 5,589 |
| Core capital (leverage) ratio | 8.3519% | 5,255 |
| Tier 1 risk-based capital ratio | 19.7571% | 1,366 |
| Total risk-based capital ratio | 21.0070% | 1,334 |
| Memoranda: | ||
| Average total assets | $52,628,600 | 5,108 |
| Average earning assets | $50,432,400 | 5,053 |
| Average equity | $3,567,200 | 5,471 |
| Average total loans | $26,500,600 | 5,111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,651 |
| Cost of funding earning assets | 0.5559% | 1,846 |
| Net interest margin | 3.0080% | 4,897 |
| Noninterest income to average assets | 0.6143% | 2,394 |
| Noninterest expense to average assets | 3.4234% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0714% | 5,466 |
| Return on assets (ROA) | 0.0714% | 5,474 |
| Pretax return on assets | 0.0739% | 5,473 |
| Return on Equity (ROE) | 1.0577% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.0577% | 4,959 |
| Net charge-offs to loans | 0.1918% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.7632% | 3,637 |
| Efficiency ratio | 97.8863% | 204 |
| Assets per employee ($millions) | 3.7711% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,312 |
| Loan loss allowance to noncurrent loans | 860.0000% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,306 |
| Noncurrent loans to loans | 0.1314% | 4,532 |
| Net loans and leases to total assets | 49.8835% | 4,707 |
| Net loans and leases to deposits | 54.4875% | 4,939 |
| Net loans and leases to core deposits | 55.4069% | 5,023 |
| Total domestic deposits to total assets | 91.5503% | 97 |
| Equity capital to assets | 7.1124% | 5,655 |
| Core capital (leverage) ratio | 8.4606% | 5,269 |
| Tier 1 risk-based capital ratio | 19.8336% | 1,402 |
| Total risk-based capital ratio | 21.0859% | 1,363 |
| Memoranda: | ||
| Average total assets | $52,305,250 | 5,174 |
| Average earning assets | $50,132,000 | 5,116 |
| Average equity | $3,529,500 | 5,541 |
| Average total loans | $26,414,000 | 5,165 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,667 |
| Cost of funding earning assets | 0.5258% | 1,954 |
| Net interest margin | 3.0104% | 4,888 |
| Noninterest income to average assets | 0.6022% | 2,440 |
| Noninterest expense to average assets | 3.4636% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0115% | 5,546 |
| Return on assets (ROA) | 0.0115% | 5,548 |
| Pretax return on assets | 0.0153% | 5,544 |
| Return on Equity (ROE) | 0.1737% | 5,544 |
| Retained earnings to average equity (ytd only) | 0.1737% | 5,032 |
| Net charge-offs to loans | 0.1670% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1818% | 3,397 |
| Efficiency ratio | 99.5590% | 193 |
| Assets per employee ($millions) | 3.5239% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 3,015 |
| Loan loss allowance to noncurrent loans | 204.5161% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 3,401 |
| Noncurrent loans to loans | 0.5869% | 2,971 |
| Net loans and leases to total assets | 49.3624% | 4,742 |
| Net loans and leases to deposits | 54.2002% | 4,955 |
| Net loans and leases to core deposits | 54.2882% | 5,075 |
| Total domestic deposits to total assets | 91.0742% | 203 |
| Equity capital to assets | 6.5780% | 5,730 |
| Core capital (leverage) ratio | 8.5411% | 5,185 |
| Tier 1 risk-based capital ratio | 19.6873% | 1,436 |
| Total risk-based capital ratio | 20.9373% | 1,398 |
| Memoranda: | ||
| Average total assets | $52,142,000 | 5,210 |
| Average earning assets | $49,827,670 | 5,160 |
| Average equity | $3,454,330 | 5,593 |
| Average total loans | $26,339,670 | 5,210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,560 |
| Cost of funding earning assets | 0.5263% | 1,889 |
| Net interest margin | 3.0200% | 4,853 |
| Noninterest income to average assets | 0.6411% | 2,222 |
| Noninterest expense to average assets | 3.4914% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0232% | 5,592 |
| Return on assets (ROA) | 0.0232% | 5,600 |
| Pretax return on assets | 0.0309% | 5,588 |
| Return on Equity (ROE) | 0.3485% | 5,584 |
| Retained earnings to average equity (ytd only) | 0.3485% | 4,838 |
| Net charge-offs to loans | 0.0456% | 1,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 2,743 |
| Efficiency ratio | 99.1228% | 237 |
| Assets per employee ($millions) | 3.6562% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,651 |
| Loan loss allowance to noncurrent loans | 102.7523% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 2,305 |
| Noncurrent loans to loans | 1.2424% | 1,625 |
| Net loans and leases to total assets | 50.7648% | 4,607 |
| Net loans and leases to deposits | 55.7331% | 4,831 |
| Net loans and leases to core deposits | 57.4115% | 4,907 |
| Total domestic deposits to total assets | 91.0856% | 275 |
| Equity capital to assets | 6.7439% | 5,783 |
| Core capital (leverage) ratio | 8.8582% | 4,894 |
| Tier 1 risk-based capital ratio | 19.6188% | 1,476 |
| Total risk-based capital ratio | 20.8733% | 1,442 |
| Memoranda: | ||
| Average total assets | $51,784,000 | 5,274 |
| Average earning assets | $49,403,500 | 5,223 |
| Average equity | $3,443,000 | 5,653 |
| Average total loans | $26,305,000 | 5,262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,927 |
| Cost of funding earning assets | 0.5457% | 1,733 |
| Net interest margin | 2.8830% | 5,165 |
| Noninterest income to average assets | 0.6460% | 2,439 |
| Noninterest expense to average assets | 3.5833% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1431% | 5,698 |
| Return on assets (ROA) | 0.1374% | 5,545 |
| Pretax return on assets | 0.1806% | 5,514 |
| Return on Equity (ROE) | 1.9349% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.9349% | 4,437 |
| Net charge-offs to loans | 0.0080% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -48.0000% | 4,270 |
| Efficiency ratio | 105.5523% | 165 |
| Assets per employee ($millions) | 3.4921% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,603 |
| Loan loss allowance to noncurrent loans | 140.6639% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 2,466 |
| Noncurrent loans to loans | 0.9167% | 2,263 |
| Net loans and leases to total assets | 49.5409% | 4,799 |
| Net loans and leases to deposits | 54.2025% | 5,001 |
| Net loans and leases to core deposits | 56.6137% | 5,025 |
| Total domestic deposits to total assets | 91.3996% | 183 |
| Equity capital to assets | 6.5558% | 5,835 |
| Core capital (leverage) ratio | 8.8318% | 4,929 |
| Tier 1 risk-based capital ratio | 19.5687% | 1,460 |
| Total risk-based capital ratio | 20.8205% | 1,420 |
| Memoranda: | ||
| Average total assets | $50,930,000 | 5,327 |
| Average earning assets | $48,559,800 | 5,274 |
| Average equity | $3,617,800 | 5,687 |
| Average total loans | $25,011,000 | 5,354 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 5,033 |
| Cost of funding earning assets | 0.5474% | 1,726 |
| Net interest margin | 2.8475% | 5,276 |
| Noninterest income to average assets | 0.6090% | 2,614 |
| Noninterest expense to average assets | 3.5197% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1248% | 5,768 |
| Return on assets (ROA) | 0.1925% | 5,539 |
| Pretax return on assets | 0.3006% | 5,457 |
| Return on Equity (ROE) | 2.6560% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.6560% | 4,323 |
| Net charge-offs to loans | 0.0216% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -18.5103% | 3,930 |
| Efficiency ratio | 105.8684% | 157 |
| Assets per employee ($millions) | 3.4121% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,440 |
| Loan loss allowance to noncurrent loans | 115.0171% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 3,028 |
| Noncurrent loans to loans | 1.1737% | 1,909 |
| Net loans and leases to total assets | 48.1175% | 4,950 |
| Net loans and leases to deposits | 52.9795% | 5,159 |
| Net loans and leases to core deposits | 55.4088% | 5,177 |
| Total domestic deposits to total assets | 90.8228% | 231 |
| Equity capital to assets | 7.0026% | 5,888 |
| Core capital (leverage) ratio | 8.8968% | 4,946 |
| Tier 1 risk-based capital ratio | 20.4937% | 1,353 |
| Total risk-based capital ratio | 21.7487% | 1,323 |
| Memoranda: | ||
| Average total assets | $50,571,000 | 5,386 |
| Average earning assets | $48,228,000 | 5,334 |
| Average equity | $3,664,500 | 5,744 |
| Average total loans | $24,691,500 | 5,415 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 5,001 |
| Cost of funding earning assets | 0.5464% | 1,723 |
| Net interest margin | 2.8944% | 5,277 |
| Noninterest income to average assets | 0.6234% | 2,492 |
| Noninterest expense to average assets | 3.5777% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1264% | 5,823 |
| Return on assets (ROA) | 0.2700% | 5,467 |
| Pretax return on assets | 0.4209% | 5,304 |
| Return on Equity (ROE) | 3.6843% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,545 |
| Net charge-offs to loans | -0.0406% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8754% | 173 |
| Assets per employee ($millions) | 3.3806% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,327 |
| Loan loss allowance to noncurrent loans | 119.7232% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 3,138 |
| Noncurrent loans to loans | 1.1632% | 1,970 |
| Net loans and leases to total assets | 48.3149% | 4,967 |
| Net loans and leases to deposits | 53.2748% | 5,178 |
| Net loans and leases to core deposits | 55.7401% | 5,188 |
| Total domestic deposits to total assets | 90.6900% | 263 |
| Equity capital to assets | 7.4129% | 5,929 |
| Core capital (leverage) ratio | 8.7811% | 5,081 |
| Tier 1 risk-based capital ratio | 20.6167% | 1,324 |
| Total risk-based capital ratio | 21.8714% | 1,306 |
| Memoranda: | ||
| Average total assets | $50,367,670 | 5,452 |
| Average earning assets | $47,954,000 | 5,398 |
| Average equity | $3,691,330 | 5,807 |
| Average total loans | $24,600,670 | 5,477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 5,111 |
| Cost of funding earning assets | 0.5459% | 1,748 |
| Net interest margin | 2.8637% | 5,374 |
| Noninterest income to average assets | 0.6534% | 2,247 |
| Noninterest expense to average assets | 3.6257% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1635% | 5,869 |
| Return on assets (ROA) | 0.0558% | 5,773 |
| Pretax return on assets | 0.0877% | 5,751 |
| Return on Equity (ROE) | 0.7656% | 5,731 |
| Retained earnings to average equity (ytd only) | 0.7656% | 4,912 |
| Net charge-offs to loans | -0.0490% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5650% | 181 |
| Assets per employee ($millions) | 3.3429% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 2,430 |
| Loan loss allowance to noncurrent loans | 108.5174% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 3,019 |
| Noncurrent loans to loans | 1.2887% | 1,873 |
| Net loans and leases to total assets | 48.3697% | 4,943 |
| Net loans and leases to deposits | 53.2493% | 5,151 |
| Net loans and leases to core deposits | 55.7371% | 5,144 |
| Total domestic deposits to total assets | 90.8362% | 316 |
| Equity capital to assets | 7.3929% | 5,965 |
| Core capital (leverage) ratio | 8.8767% | 4,988 |
| Tier 1 risk-based capital ratio | 20.7170% | 1,358 |
| Total risk-based capital ratio | 21.9717% | 1,333 |
| Memoranda: | ||
| Average total assets | $50,197,000 | 5,506 |
| Average earning assets | $47,631,000 | 5,455 |
| Average equity | $3,657,500 | 5,862 |
| Average total loans | $24,478,000 | 5,531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4132% | 5,126 |
| Cost of funding earning assets | 0.5653% | 1,630 |
| Net interest margin | 2.8478% | 5,428 |
| Noninterest income to average assets | 0.5727% | 2,883 |
| Noninterest expense to average assets | 3.4058% | 1,473 |
| Loan and lease loss provision to assets | 0.0703% | 2,876 |
| Net operating income to assets | -0.1527% | 5,949 |
| Return on assets (ROA) | 0.2170% | 5,604 |
| Pretax return on assets | 0.2713% | 5,580 |
| Return on Equity (ROE) | 2.8408% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.8408% | 4,050 |
| Net charge-offs to loans | 0.2754% | 1,100 |
| Credit loss provision to net charge-offs | 52.2388% | 3,375 |
| Earnings coverage of net charge-offs (x) | -0.8955% | 4,328 |
| Efficiency ratio | 103.6697% | 219 |
| Assets per employee ($millions) | 3.1407% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 2,418 |
| Loan loss allowance to noncurrent loans | 65.0763% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 1,829 |
| Noncurrent loans to loans | 2.1512% | 939 |
| Net loans and leases to total assets | 47.7941% | 5,032 |
| Net loans and leases to deposits | 52.4331% | 5,264 |
| Net loans and leases to core deposits | 54.8646% | 5,263 |
| Total domestic deposits to total assets | 91.1524% | 247 |
| Equity capital to assets | 7.1800% | 6,031 |
| Core capital (leverage) ratio | 8.9678% | 4,920 |
| Tier 1 risk-based capital ratio | 21.0140% | 1,295 |
| Total risk-based capital ratio | 22.2696% | 1,273 |
| Memoranda: | ||
| Average total assets | $49,768,600 | 5,549 |
| Average earning assets | $47,404,800 | 5,496 |
| Average equity | $3,801,800 | 5,886 |
| Average total loans | $24,330,000 | 5,578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 5,180 |
| Cost of funding earning assets | 0.5632% | 1,688 |
| Net interest margin | 2.8498% | 5,496 |
| Noninterest income to average assets | 0.5722% | 2,900 |
| Noninterest expense to average assets | 3.3364% | 1,604 |
| Loan and lease loss provision to assets | 0.0537% | 3,120 |
| Net operating income to assets | -0.0635% | 5,977 |
| Return on assets (ROA) | 0.2821% | 5,579 |
| Pretax return on assets | 0.4406% | 5,373 |
| Return on Equity (ROE) | 3.5621% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.5621% | 3,932 |
| Net charge-offs to loans | -0.0712% | 5,664 |
| Credit loss provision to net charge-offs | -153.8462% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3878% | 272 |
| Assets per employee ($millions) | 3.2604% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,580 |
| Loan loss allowance to noncurrent loans | 113.4078% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 2,919 |
| Noncurrent loans to loans | 1.4640% | 1,709 |
| Net loans and leases to total assets | 49.1698% | 5,003 |
| Net loans and leases to deposits | 54.1197% | 5,247 |
| Net loans and leases to core deposits | 57.3107% | 5,233 |
| Total domestic deposits to total assets | 90.8539% | 291 |
| Equity capital to assets | 8.1769% | 5,886 |
| Core capital (leverage) ratio | 8.8001% | 5,237 |
| Tier 1 risk-based capital ratio | 19.6537% | 1,634 |
| Total risk-based capital ratio | 20.9096% | 1,599 |
| Memoranda: | ||
| Average total assets | $49,633,000 | 5,616 |
| Average earning assets | $47,347,250 | 5,563 |
| Average equity | $3,930,250 | 5,944 |
| Average total loans | $24,323,000 | 5,647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 5,197 |
| Cost of funding earning assets | 0.5606% | 1,730 |
| Net interest margin | 2.8534% | 5,527 |
| Noninterest income to average assets | 0.6015% | 2,732 |
| Noninterest expense to average assets | 3.2882% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0184% | 5,971 |
| Return on assets (ROA) | 0.3007% | 5,538 |
| Pretax return on assets | 0.4692% | 5,305 |
| Return on Equity (ROE) | 3.8389% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.8389% | 3,557 |
| Net charge-offs to loans | -0.0165% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1536% | 344 |
| Assets per employee ($millions) | 3.6289% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 2,074 |
| Loan loss allowance to noncurrent loans | 228.6585% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 4,381 |
| Noncurrent loans to loans | 0.6791% | 3,448 |
| Net loans and leases to total assets | 46.7985% | 5,190 |
| Net loans and leases to deposits | 51.1752% | 5,436 |
| Net loans and leases to core deposits | 54.0499% | 5,416 |
| Total domestic deposits to total assets | 91.4477% | 188 |
| Equity capital to assets | 7.7355% | 6,067 |
| Core capital (leverage) ratio | 8.6415% | 5,381 |
| Tier 1 risk-based capital ratio | 21.6295% | 1,262 |
| Total risk-based capital ratio | 22.8873% | 1,243 |
| Memoranda: | ||
| Average total assets | $49,875,330 | 5,672 |
| Average earning assets | $47,452,330 | 5,623 |
| Average equity | $3,907,330 | 6,007 |
| Average total loans | $24,279,670 | 5,699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,175 |
| Cost of funding earning assets | 0.5629% | 1,722 |
| Net interest margin | 2.8486% | 5,550 |
| Noninterest income to average assets | 0.7043% | 2,148 |
| Noninterest expense to average assets | 3.3191% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0586% | 5,943 |
| Return on assets (ROA) | 0.2348% | 5,691 |
| Pretax return on assets | 0.3643% | 5,506 |
| Return on Equity (ROE) | 2.9774% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.9774% | 4,189 |
| Net charge-offs to loans | -0.0164% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3872% | 453 |
| Assets per employee ($millions) | 3.5613% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 2,296 |
| Loan loss allowance to noncurrent loans | 133.0961% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 3,377 |
| Noncurrent loans to loans | 1.1533% | 2,460 |
| Net loans and leases to total assets | 48.1187% | 5,019 |
| Net loans and leases to deposits | 52.6361% | 5,295 |
| Net loans and leases to core deposits | 55.9727% | 5,250 |
| Total domestic deposits to total assets | 91.4176% | 247 |
| Equity capital to assets | 7.8724% | 6,077 |
| Core capital (leverage) ratio | 9.5208% | 4,241 |
| Tier 1 risk-based capital ratio | 25.9241% | 794 |
| Total risk-based capital ratio | 27.1802% | 775 |
| Memoranda: | ||
| Average total assets | $49,410,500 | 5,735 |
| Average earning assets | $46,899,500 | 5,682 |
| Average equity | $3,896,000 | 6,067 |
| Average total loans | $24,344,000 | 5,737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 4,557 |
| Cost of funding earning assets | 0.6395% | 1,480 |
| Net interest margin | 3.1371% | 5,106 |
| Noninterest income to average assets | 0.6565% | 2,521 |
| Noninterest expense to average assets | 3.4454% | 1,614 |
| Loan and lease loss provision to assets | 0.0987% | 2,511 |
| Net operating income to assets | -0.0115% | 6,102 |
| Return on assets (ROA) | 0.1931% | 5,830 |
| Pretax return on assets | 0.3261% | 5,654 |
| Return on Equity (ROE) | 2.3204% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.3204% | 4,576 |
| Net charge-offs to loans | 0.2693% | 1,604 |
| Credit loss provision to net charge-offs | 70.7692% | 3,055 |
| Earnings coverage of net charge-offs (x) | 0.7538% | 4,573 |
| Efficiency ratio | 97.0393% | 467 |
| Assets per employee ($millions) | 3.4974% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,327 |
| Loan loss allowance to noncurrent loans | 103.6111% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 3,021 |
| Noncurrent loans to loans | 1.4801% | 1,980 |
| Net loans and leases to total assets | 48.9145% | 5,077 |
| Net loans and leases to deposits | 53.3824% | 5,374 |
| Net loans and leases to core deposits | 57.1585% | 5,299 |
| Total domestic deposits to total assets | 91.6304% | 203 |
| Equity capital to assets | 7.8978% | 6,106 |
| Core capital (leverage) ratio | 8.7352% | 5,315 |
| Tier 1 risk-based capital ratio | 24.2846% | 918 |
| Total risk-based capital ratio | 24.9262% | 969 |
| Memoranda: | ||
| Average total assets | $46,613,000 | 5,871 |
| Average earning assets | $43,001,800 | 5,854 |
| Average equity | $3,878,600 | 6,115 |
| Average total loans | $24,132,200 | 5,816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 4,288 |
| Cost of funding earning assets | 0.6548% | 1,428 |
| Net interest margin | 3.2137% | 4,918 |
| Noninterest income to average assets | 0.7416% | 2,133 |
| Noninterest expense to average assets | 3.6037% | 1,289 |
| Loan and lease loss provision to assets | 0.0174% | 4,068 |
| Net operating income to assets | 0.0198% | 6,124 |
| Return on assets (ROA) | 0.1014% | 6,056 |
| Pretax return on assets | 0.1912% | 5,962 |
| Return on Equity (ROE) | 1.2024% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.2024% | 5,411 |
| Net charge-offs to loans | 0.2048% | 1,836 |
| Credit loss provision to net charge-offs | 16.2162% | 3,620 |
| Earnings coverage of net charge-offs (x) | 0.7567% | 4,322 |
| Efficiency ratio | 97.7987% | 440 |
| Assets per employee ($millions) | 3.3441% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,675 |
| Loan loss allowance to noncurrent loans | 104.6377% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 3,115 |
| Noncurrent loans to loans | 1.4401% | 2,266 |
| Net loans and leases to total assets | 50.3984% | 4,961 |
| Net loans and leases to deposits | 55.4185% | 5,283 |
| Net loans and leases to core deposits | 59.5608% | 5,224 |
| Total domestic deposits to total assets | 90.9413% | 381 |
| Equity capital to assets | 8.3089% | 5,933 |
| Core capital (leverage) ratio | 9.0181% | 5,052 |
| Tier 1 risk-based capital ratio | 20.2932% | 1,596 |
| Total risk-based capital ratio | 20.4518% | 1,828 |
| Memoranda: | ||
| Average total assets | $46,025,500 | 5,949 |
| Average earning assets | $42,151,500 | 5,939 |
| Average equity | $3,881,500 | 6,179 |
| Average total loans | $24,084,500 | 5,881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,812 |
| Cost of funding earning assets | 0.6538% | 1,482 |
| Net interest margin | 3.3270% | 4,477 |
| Noninterest income to average assets | 1.0926% | 995 |
| Noninterest expense to average assets | 3.9509% | 803 |
| Loan and lease loss provision to assets | 0.0262% | 3,752 |
| Net operating income to assets | 0.0758% | 6,092 |
| Return on assets (ROA) | 0.1355% | 6,018 |
| Pretax return on assets | 0.2098% | 5,931 |
| Return on Equity (ROE) | 1.5985% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.5985% | 5,100 |
| Net charge-offs to loans | 0.3233% | 1,257 |
| Credit loss provision to net charge-offs | 15.3846% | 3,249 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 3,958 |
| Efficiency ratio | 96.4781% | 538 |
| Assets per employee ($millions) | 3.3389% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 2,923 |
| Loan loss allowance to noncurrent loans | 104.9708% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 3,547 |
| Noncurrent loans to loans | 1.4249% | 2,422 |
| Net loans and leases to total assets | 50.5787% | 4,902 |
| Net loans and leases to deposits | 55.4740% | 5,240 |
| Net loans and leases to core deposits | 59.6127% | 5,152 |
| Total domestic deposits to total assets | 91.1755% | 354 |
| Equity capital to assets | 8.3517% | 5,914 |
| Core capital (leverage) ratio | 9.0256% | 4,982 |
| Tier 1 risk-based capital ratio | 20.3620% | 1,599 |
| Total risk-based capital ratio | 20.5164% | 1,822 |
| Memoranda: | ||
| Average total assets | $45,761,670 | 6,011 |
| Average earning assets | $41,299,000 | 6,015 |
| Average equity | $3,878,670 | 6,224 |
| Average total loans | $24,127,330 | 5,923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,114 |
| Cost of funding earning assets | 0.6672% | 1,456 |
| Net interest margin | 3.4775% | 3,791 |
| Noninterest income to average assets | 1.1133% | 902 |
| Noninterest expense to average assets | 4.0557% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0619% | 6,103 |
| Return on assets (ROA) | 0.0619% | 6,127 |
| Pretax return on assets | 0.0972% | 6,082 |
| Return on Equity (ROE) | 0.7243% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.7243% | 5,301 |
| Net charge-offs to loans | 0.1488% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 3,140 |
| Efficiency ratio | 97.6596% | 558 |
| Assets per employee ($millions) | 3.2632% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,788 |
| Loan loss allowance to noncurrent loans | 91.6268% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 3,137 |
| Noncurrent loans to loans | 1.7256% | 2,244 |
| Net loans and leases to total assets | 52.1856% | 4,650 |
| Net loans and leases to deposits | 57.2771% | 5,009 |
| Net loans and leases to core deposits | 61.6556% | 4,910 |
| Total domestic deposits to total assets | 91.1109% | 529 |
| Equity capital to assets | 8.4492% | 5,694 |
| Core capital (leverage) ratio | 9.1803% | 4,745 |
| Tier 1 risk-based capital ratio | 21.3424% | 1,408 |
| Total risk-based capital ratio | 21.5154% | 1,619 |
| Memoranda: | ||
| Average total assets | $45,270,000 | 6,082 |
| Average earning assets | $39,569,000 | 6,113 |
| Average equity | $3,866,000 | 6,278 |
| Average total loans | $24,190,000 | 5,971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,925 |
| Cost of funding earning assets | 0.6617% | 2,108 |
| Net interest margin | 3.1033% | 5,303 |
| Noninterest income to average assets | 0.2168% | 5,784 |
| Noninterest expense to average assets | 3.8508% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.5375% | 6,504 |
| Return on assets (ROA) | -0.5375% | 6,512 |
| Pretax return on assets | -0.7918% | 6,553 |
| Return on Equity (ROE) | -6.5509% | 6,525 |
| Retained earnings to average equity (ytd only) | -6.5509% | 6,436 |
| Net charge-offs to loans | 0.1186% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -12.7857% | 5,435 |
| Efficiency ratio | 125.8858% | 144 |
| Assets per employee ($millions) | 3.2039% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 2,674 |
| Loan loss allowance to noncurrent loans | 62.1236% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 2,394 |
| Noncurrent loans to loans | 2.6122% | 1,428 |
| Net loans and leases to total assets | 52.9796% | 4,726 |
| Net loans and leases to deposits | 58.2965% | 5,099 |
| Net loans and leases to core deposits | 62.8511% | 4,984 |
| Total domestic deposits to total assets | 90.8795% | 623 |
| Equity capital to assets | 8.6323% | 5,448 |
| Core capital (leverage) ratio | 9.3368% | 4,497 |
| Tier 1 risk-based capital ratio | 19.4492% | 1,806 |
| Total risk-based capital ratio | 19.9926% | 1,956 |
| Memoranda: | ||
| Average total assets | $45,211,200 | 6,144 |
| Average earning assets | $41,408,200 | 6,130 |
| Average equity | $3,709,400 | 6,390 |
| Average total loans | $23,599,800 | 6,051 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 4,880 |
| Cost of funding earning assets | 0.6650% | 2,219 |
| Net interest margin | 3.1282% | 5,240 |
| Noninterest income to average assets | -0.1207% | 6,815 |
| Noninterest expense to average assets | 3.8203% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.7358% | 6,657 |
| Return on assets (ROA) | -0.7358% | 6,665 |
| Pretax return on assets | -1.0890% | 6,708 |
| Return on Equity (ROE) | -9.0857% | 6,677 |
| Retained earnings to average equity (ytd only) | -9.0857% | 6,619 |
| Net charge-offs to loans | 0.1478% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -14.2290% | 5,178 |
| Efficiency ratio | 139.8707% | 98 |
| Assets per employee ($millions) | 2.9813% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 2,677 |
| Loan loss allowance to noncurrent loans | 62.5397% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 2,589 |
| Noncurrent loans to loans | 2.6938% | 1,572 |
| Net loans and leases to total assets | 51.4155% | 4,947 |
| Net loans and leases to deposits | 56.5633% | 5,322 |
| Net loans and leases to core deposits | 60.9926% | 5,220 |
| Total domestic deposits to total assets | 90.8989% | 577 |
| Equity capital to assets | 8.6404% | 5,577 |
| Core capital (leverage) ratio | 9.3065% | 4,685 |
| Tier 1 risk-based capital ratio | 24.6782% | 912 |
| Total risk-based capital ratio | 25.2892% | 981 |
| Memoranda: | ||
| Average total assets | $45,300,250 | 6,209 |
| Average earning assets | $41,301,000 | 6,204 |
| Average equity | $3,668,750 | 6,476 |
| Average total loans | $23,460,750 | 6,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,946 |
| Cost of funding earning assets | 0.6563% | 2,443 |
| Net interest margin | 3.1077% | 5,249 |
| Noninterest income to average assets | 0.0835% | 6,574 |
| Noninterest expense to average assets | 3.8027% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.5715% | 6,661 |
| Return on assets (ROA) | -0.5715% | 6,672 |
| Pretax return on assets | -0.8880% | 6,718 |
| Return on Equity (ROE) | -7.2149% | 6,695 |
| Retained earnings to average equity (ytd only) | -7.2149% | 6,582 |
| Net charge-offs to loans | 0.2129% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -8.0800% | 4,851 |
| Efficiency ratio | 130.4676% | 125 |
| Assets per employee ($millions) | 3.0973% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 2,890 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 3,800 |
| Noncurrent loans to loans | 1.6728% | 2,805 |
| Net loans and leases to total assets | 49.9742% | 5,113 |
| Net loans and leases to deposits | 55.5415% | 5,385 |
| Net loans and leases to core deposits | 59.7494% | 5,281 |
| Total domestic deposits to total assets | 89.9763% | 1,034 |
| Equity capital to assets | 7.6302% | 6,397 |
| Core capital (leverage) ratio | 8.7248% | 5,381 |
| Tier 1 risk-based capital ratio | 26.3968% | 736 |
| Total risk-based capital ratio | 27.0322% | 775 |
| Memoranda: | ||
| Average total assets | $45,493,670 | 6,247 |
| Average earning assets | $41,445,000 | 6,243 |
| Average equity | $3,603,670 | 6,539 |
| Average total loans | $23,485,330 | 6,150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,868 |
| Cost of funding earning assets | 0.6489% | 2,669 |
| Net interest margin | 3.1378% | 5,133 |
| Noninterest income to average assets | 0.0444% | 6,751 |
| Noninterest expense to average assets | 4.0702% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7376% | 6,751 |
| Return on assets (ROA) | -0.7376% | 6,766 |
| Pretax return on assets | -1.1464% | 6,832 |
| Return on Equity (ROE) | -9.1385% | 6,787 |
| Retained earnings to average equity (ytd only) | -9.1385% | 6,580 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2097% | 110 |
| Assets per employee ($millions) | 3.0348% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,656 |
| Loan loss allowance to noncurrent loans | 126.8882% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 4,311 |
| Noncurrent loans to loans | 1.4092% | 3,452 |
| Net loans and leases to total assets | 50.6744% | 4,898 |
| Net loans and leases to deposits | 56.4396% | 5,200 |
| Net loans and leases to core deposits | 60.8237% | 5,067 |
| Total domestic deposits to total assets | 89.7852% | 1,175 |
| Equity capital to assets | 7.8907% | 6,437 |
| Core capital (leverage) ratio | 9.1401% | 4,653 |
| Tier 1 risk-based capital ratio | 27.1856% | 690 |
| Total risk-based capital ratio | 27.5991% | 745 |
| Memoranda: | ||
| Average total assets | $45,010,500 | 6,315 |
| Average earning assets | $41,303,000 | 6,302 |
| Average equity | $3,633,000 | 6,605 |
| Average total loans | $23,421,500 | 6,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 5,674 |
| Cost of funding earning assets | 0.7213% | 3,314 |
| Net interest margin | 3.1463% | 5,704 |
| Noninterest income to average assets | 2.1883% | 386 |
| Noninterest expense to average assets | 4.5338% | 560 |
| Loan and lease loss provision to assets | 0.3847% | 1,696 |
| Net operating income to assets | 0.0422% | 6,096 |
| Return on assets (ROA) | 0.0422% | 6,238 |
| Pretax return on assets | 0.1243% | 6,113 |
| Return on Equity (ROE) | 0.4876% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.4876% | 5,605 |
| Net charge-offs to loans | 0.4262% | 2,531 |
| Credit loss provision to net charge-offs | 169.0722% | 1,566 |
| Earnings coverage of net charge-offs (x) | 2.2371% | 4,306 |
| Efficiency ratio | 89.9070% | 1,079 |
| Assets per employee ($millions) | 2.9666% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,587 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 3,852 |
| Noncurrent loans to loans | 1.7084% | 3,054 |
| Net loans and leases to total assets | 51.5405% | 4,974 |
| Net loans and leases to deposits | 57.8538% | 5,252 |
| Net loans and leases to core deposits | 61.2498% | 5,242 |
| Total domestic deposits to total assets | 89.0874% | 1,504 |
| Equity capital to assets | 8.2564% | 6,232 |
| Core capital (leverage) ratio | 9.5975% | 3,968 |
| Tier 1 risk-based capital ratio | 27.1509% | 681 |
| Total risk-based capital ratio | 27.5785% | 737 |
| Memoranda: | ||
| Average total assets | $42,635,400 | 6,408 |
| Average earning assets | $38,680,800 | 6,410 |
| Average equity | $3,691,800 | 6,637 |
| Average total loans | $22,759,600 | 6,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 5,635 |
| Cost of funding earning assets | 0.7381% | 3,453 |
| Net interest margin | 3.2215% | 5,644 |
| Noninterest income to average assets | 2.2955% | 343 |
| Noninterest expense to average assets | 4.6193% | 494 |
| Loan and lease loss provision to assets | 0.5185% | 1,164 |
| Net operating income to assets | -0.0063% | 6,292 |
| Return on assets (ROA) | -0.0063% | 6,415 |
| Pretax return on assets | 0.0696% | 6,310 |
| Return on Equity (ROE) | -0.0722% | 6,417 |
| Retained earnings to average equity (ytd only) | -0.0722% | 6,093 |
| Net charge-offs to loans | 0.5838% | 1,877 |
| Credit loss provision to net charge-offs | 165.6566% | 1,684 |
| Earnings coverage of net charge-offs (x) | 1.8787% | 4,320 |
| Efficiency ratio | 88.7067% | 1,135 |
| Assets per employee ($millions) | 3.0689% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,561 |
| Loan loss allowance to noncurrent loans | 171.3115% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 4,417 |
| Noncurrent loans to loans | 1.0944% | 4,244 |
| Net loans and leases to total assets | 50.9194% | 5,200 |
| Net loans and leases to deposits | 57.4682% | 5,486 |
| Net loans and leases to core deposits | 60.4320% | 5,509 |
| Total domestic deposits to total assets | 88.6044% | 1,656 |
| Equity capital to assets | 8.5048% | 6,254 |
| Core capital (leverage) ratio | 9.8529% | 3,751 |
| Tier 1 risk-based capital ratio | 25.8432% | 839 |
| Total risk-based capital ratio | 25.9966% | 923 |
| Memoranda: | ||
| Average total assets | $42,169,500 | 6,498 |
| Average earning assets | $38,118,000 | 6,506 |
| Average equity | $3,696,250 | 6,719 |
| Average total loans | $22,610,750 | 6,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 5,442 |
| Cost of funding earning assets | 0.7312% | 3,754 |
| Net interest margin | 3.3329% | 5,335 |
| Noninterest income to average assets | 4.0711% | 179 |
| Noninterest expense to average assets | 4.6821% | 462 |
| Loan and lease loss provision to assets | 0.7732% | 665 |
| Net operating income to assets | 1.0405% | 2,297 |
| Return on assets (ROA) | 1.0405% | 2,522 |
| Pretax return on assets | 1.6180% | 1,495 |
| Return on Equity (ROE) | 11.7510% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.7510% | 624 |
| Net charge-offs to loans | 0.8892% | 1,237 |
| Credit loss provision to net charge-offs | 160.3960% | 1,738 |
| Earnings coverage of net charge-offs (x) | 4.9604% | 2,948 |
| Efficiency ratio | 66.1943% | 4,498 |
| Assets per employee ($millions) | 3.1071% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,723 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 4,285 |
| Noncurrent loans to loans | 1.3313% | 3,924 |
| Net loans and leases to total assets | 50.6805% | 5,268 |
| Net loans and leases to deposits | 57.6230% | 5,492 |
| Net loans and leases to core deposits | 60.5759% | 5,534 |
| Total domestic deposits to total assets | 87.9517% | 2,177 |
| Equity capital to assets | 8.9080% | 5,797 |
| Core capital (leverage) ratio | 10.4948% | 2,806 |
| Tier 1 risk-based capital ratio | 26.0472% | 799 |
| Total risk-based capital ratio | 25.9272% | 920 |
| Memoranda: | ||
| Average total assets | $41,904,670 | 6,553 |
| Average earning assets | $37,745,000 | 6,565 |
| Average equity | $3,710,330 | 6,755 |
| Average total loans | $22,716,000 | 6,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 4,146 |
| Cost of funding earning assets | 0.7387% | 3,959 |
| Net interest margin | 3.7046% | 3,804 |
| Noninterest income to average assets | 0.9147% | 1,685 |
| Noninterest expense to average assets | 5.0405% | 354 |
| Loan and lease loss provision to assets | 0.0876% | 4,280 |
| Net operating income to assets | -0.5644% | 6,865 |
| Return on assets (ROA) | -0.5644% | 6,887 |
| Pretax return on assets | -0.8952% | 6,951 |
| Return on Equity (ROE) | -6.3947% | 6,901 |
| Retained earnings to average equity (ytd only) | -6.3947% | 6,684 |
| Net charge-offs to loans | -0.0876% | 6,740 |
| Credit loss provision to net charge-offs | -180.0000% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0805% | 226 |
| Assets per employee ($millions) | 2.9586% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 3,610 |
| Loan loss allowance to noncurrent loans | 262.1429% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 4,376 |
| Noncurrent loans to loans | 0.6216% | 5,406 |
| Net loans and leases to total assets | 53.4911% | 4,804 |
| Net loans and leases to deposits | 60.5537% | 5,089 |
| Net loans and leases to core deposits | 63.4461% | 5,177 |
| Total domestic deposits to total assets | 88.3366% | 2,104 |
| Equity capital to assets | 8.6890% | 5,885 |
| Core capital (leverage) ratio | 10.2923% | 3,004 |
| Tier 1 risk-based capital ratio | 25.6174% | 842 |
| Total risk-based capital ratio | 25.4849% | 970 |
| Memoranda: | ||
| Average total assets | $41,107,000 | 6,642 |
| Average earning assets | $36,819,000 | 6,650 |
| Average equity | $3,628,000 | 6,814 |
| Average total loans | $22,844,000 | 6,470 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 5,400 |
| Cost of funding earning assets | 0.8263% | 4,660 |
| Net interest margin | 3.5796% | 4,809 |
| Noninterest income to average assets | 1.2903% | 775 |
| Noninterest expense to average assets | 5.0106% | 378 |
| Loan and lease loss provision to assets | 0.0234% | 6,287 |
| Net operating income to assets | -0.3357% | 6,372 |
| Return on assets (ROA) | 0.1038% | 5,975 |
| Pretax return on assets | 0.1532% | 5,883 |
| Return on Equity (ROE) | 1.1438% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.1438% | 5,319 |
| Net charge-offs to loans | 0.1830% | 4,685 |
| Credit loss provision to net charge-offs | 23.0769% | 5,877 |
| Earnings coverage of net charge-offs (x) | -4.6410% | 6,359 |
| Efficiency ratio | 110.3488% | 434 |
| Assets per employee ($millions) | 3.1380% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,915 |
| Loan loss allowance to noncurrent loans | 96.4481% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 4,579 |
| Noncurrent loans to loans | 1.5800% | 3,795 |
| Net loans and leases to total assets | 55.9200% | 4,722 |
| Net loans and leases to deposits | 65.2685% | 4,840 |
| Net loans and leases to core deposits | 65.7956% | 5,272 |
| Total domestic deposits to total assets | 85.6768% | 3,497 |
| Equity capital to assets | 8.9646% | 5,585 |
| Core capital (leverage) ratio | 10.8080% | 2,429 |
| Tier 1 risk-based capital ratio | 22.2139% | 1,206 |
| Total risk-based capital ratio | 23.4694% | 1,179 |
| Memoranda: | ||
| Average total assets | $38,518,400 | 6,724 |
| Average earning assets | $34,976,400 | 6,713 |
| Average equity | $3,497,200 | 6,879 |
| Average total loans | $21,312,200 | 6,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 5,346 |
| Cost of funding earning assets | 0.8436% | 4,818 |
| Net interest margin | 3.6258% | 4,675 |
| Noninterest income to average assets | 1.3245% | 746 |
| Noninterest expense to average assets | 4.9327% | 398 |
| Loan and lease loss provision to assets | 0.0316% | 6,047 |
| Net operating income to assets | -0.2136% | 6,397 |
| Return on assets (ROA) | 0.0000% | 6,254 |
| Pretax return on assets | -0.0140% | 6,246 |
| Return on Equity (ROE) | 0.0000% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 0.1663% | 4,458 |
| Credit loss provision to net charge-offs | 34.6154% | 5,348 |
| Earnings coverage of net charge-offs (x) | -3.4612% | 6,073 |
| Efficiency ratio | 106.8493% | 488 |
| Assets per employee ($millions) | 3.1694% | 5,754 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,761 |
| Loan loss allowance to noncurrent loans | 84.3318% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 4,373 |
| Noncurrent loans to loans | 1.8716% | 3,540 |
| Net loans and leases to total assets | 55.3929% | 4,939 |
| Net loans and leases to deposits | 62.6919% | 5,324 |
| Net loans and leases to core deposits | 63.1726% | 5,701 |
| Total domestic deposits to total assets | 88.3574% | 1,835 |
| Equity capital to assets | 8.7787% | 5,999 |
| Core capital (leverage) ratio | 10.6039% | 2,758 |
| Tier 1 risk-based capital ratio | 22.6661% | 1,191 |
| Total risk-based capital ratio | 23.9244% | 1,168 |
| Memoranda: | ||
| Average total assets | $37,949,500 | 6,799 |
| Average earning assets | $34,456,250 | 6,793 |
| Average equity | $3,457,250 | 6,948 |
| Average total loans | $20,849,000 | 6,681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 5,032 |
| Cost of funding earning assets | 0.8560% | 5,016 |
| Net interest margin | 3.7292% | 4,121 |
| Noninterest income to average assets | 1.4594% | 599 |
| Noninterest expense to average assets | 5.0562% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1393% | 6,403 |
| Return on assets (ROA) | -0.1845% | 6,495 |
| Pretax return on assets | -0.2875% | 6,523 |
| Return on Equity (ROE) | -1.9976% | 6,515 |
| Retained earnings to average equity (ytd only) | -1.9976% | 6,250 |
| Net charge-offs to loans | 0.4285% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.9302% | 5,620 |
| Efficiency ratio | 104.4843% | 602 |
| Assets per employee ($millions) | 2.8743% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,428 |
| Loan loss allowance to noncurrent loans | 80.1887% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2150% | 4,465 |
| Noncurrent loans to loans | 2.0797% | 3,375 |
| Net loans and leases to total assets | 53.6531% | 5,343 |
| Net loans and leases to deposits | 60.9807% | 5,615 |
| Net loans and leases to core deposits | 61.4913% | 5,943 |
| Total domestic deposits to total assets | 87.9837% | 2,147 |
| Equity capital to assets | 9.0804% | 5,464 |
| Core capital (leverage) ratio | 11.5420% | 1,889 |
| Tier 1 risk-based capital ratio | 26.9699% | 727 |
| Total risk-based capital ratio | 28.1256% | 720 |
| Memoranda: | ||
| Average total assets | $36,865,330 | 6,890 |
| Average earning assets | $33,412,000 | 6,893 |
| Average equity | $3,404,000 | 7,012 |
| Average total loans | $20,069,000 | 6,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 4,458 |
| Cost of funding earning assets | 0.8461% | 5,296 |
| Net interest margin | 3.8681% | 3,308 |
| Noninterest income to average assets | 1.5731% | 530 |
| Noninterest expense to average assets | 5.0362% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0218% | 6,300 |
| Return on assets (ROA) | 0.0218% | 6,333 |
| Pretax return on assets | 0.0328% | 6,297 |
| Return on Equity (ROE) | 0.2346% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.2346% | 5,722 |
| Net charge-offs to loans | 0.4018% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1500% | 4,490 |
| Efficiency ratio | 99.3534% | 776 |
| Assets per employee ($millions) | 2.8288% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,998 |
| Loan loss allowance to noncurrent loans | 157.1429% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 5,569 |
| Noncurrent loans to loans | 1.1486% | 4,775 |
| Net loans and leases to total assets | 53.7037% | 5,348 |
| Net loans and leases to deposits | 61.2942% | 5,589 |
| Net loans and leases to core deposits | 61.8103% | 5,943 |
| Total domestic deposits to total assets | 87.6163% | 2,598 |
| Equity capital to assets | 9.2756% | 4,773 |
| Core capital (leverage) ratio | 11.8185% | 1,667 |
| Tier 1 risk-based capital ratio | 26.2498% | 762 |
| Total risk-based capital ratio | 27.5111% | 748 |
| Memoranda: | ||
| Average total assets | $36,615,000 | 6,943 |
| Average earning assets | $33,091,500 | 6,954 |
| Average equity | $3,409,500 | 7,040 |
| Average total loans | $19,909,500 | 6,844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 5,319 |
| Cost of funding earning assets | 1.0391% | 5,490 |
| Net interest margin | 3.7895% | 3,991 |
| Noninterest income to average assets | 1.2363% | 986 |
| Noninterest expense to average assets | 5.2531% | 352 |
| Loan and lease loss provision to assets | 0.3452% | 4,069 |
| Net operating income to assets | -0.5864% | 6,440 |
| Return on assets (ROA) | 1.2256% | 1,431 |
| Pretax return on assets | 1.9241% | 580 |
| Return on Equity (ROE) | 13.2585% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.2585% | 199 |
| Net charge-offs to loans | -0.0155% | 7,342 |
| Credit loss provision to net charge-offs | -4,300.0000% | 7,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9795% | 505 |
| Assets per employee ($millions) | 2.6040% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,434 |
| Loan loss allowance to noncurrent loans | 126.8212% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 5,240 |
| Noncurrent loans to loans | 1.5325% | 4,194 |
| Net loans and leases to total assets | 53.0064% | 5,783 |
| Net loans and leases to deposits | 60.5313% | 5,993 |
| Net loans and leases to core deposits | 61.0399% | 6,312 |
| Total domestic deposits to total assets | 87.5686% | 2,506 |
| Equity capital to assets | 9.3483% | 4,617 |
| Core capital (leverage) ratio | 11.9151% | 1,608 |
| Tier 1 risk-based capital ratio | 26.2390% | 737 |
| Total risk-based capital ratio | 27.5061% | 715 |
| Memoranda: | ||
| Average total assets | $37,368,200 | 6,960 |
| Average earning assets | $34,067,800 | 6,944 |
| Average equity | $3,454,400 | 7,147 |
| Average total loans | $19,410,000 | 6,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 5,136 |
| Cost of funding earning assets | 1.0683% | 5,599 |
| Net interest margin | 3.8613% | 3,702 |
| Noninterest income to average assets | 1.1916% | 985 |
| Noninterest expense to average assets | 5.2841% | 308 |
| Loan and lease loss provision to assets | 0.4575% | 3,189 |
| Net operating income to assets | -0.6642% | 6,711 |
| Return on assets (ROA) | 1.5533% | 900 |
| Pretax return on assets | 2.4399% | 257 |
| Return on Equity (ROE) | 16.8491% | 605 |
| Retained earnings to average equity (ytd only) | 16.8491% | 144 |
| Net charge-offs to loans | -0.0207% | 7,358 |
| Credit loss provision to net charge-offs | -4,300.0000% | 7,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0301% | 490 |
| Assets per employee ($millions) | 2.5860% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,256 |
| Loan loss allowance to noncurrent loans | 126.4026% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 5,307 |
| Noncurrent loans to loans | 1.5717% | 4,281 |
| Net loans and leases to total assets | 52.1931% | 6,074 |
| Net loans and leases to deposits | 61.7759% | 6,139 |
| Net loans and leases to core deposits | 62.3116% | 6,430 |
| Total domestic deposits to total assets | 84.4879% | 3,872 |
| Equity capital to assets | 10.0238% | 4,134 |
| Core capital (leverage) ratio | 12.0222% | 1,659 |
| Tier 1 risk-based capital ratio | 26.1766% | 758 |
| Total risk-based capital ratio | 27.4455% | 746 |
| Memoranda: | ||
| Average total assets | $37,596,250 | 7,032 |
| Average earning assets | $34,322,500 | 7,018 |
| Average equity | $3,466,000 | 7,235 |
| Average total loans | $19,335,750 | 7,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 4,794 |
| Cost of funding earning assets | 1.0604% | 5,870 |
| Net interest margin | 3.9708% | 3,156 |
| Noninterest income to average assets | 1.2244% | 864 |
| Noninterest expense to average assets | 5.3599% | 295 |
| Loan and lease loss provision to assets | 0.1682% | 5,198 |
| Net operating income to assets | -0.5211% | 6,671 |
| Return on assets (ROA) | 1.3084% | 1,352 |
| Pretax return on assets | 2.1755% | 424 |
| Return on Equity (ROE) | 14.5970% | 924 |
| Retained earnings to average equity (ytd only) | 14.5970% | 270 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6291% | 537 |
| Assets per employee ($millions) | 2.8374% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 4,120 |
| Loan loss allowance to noncurrent loans | 219.3798% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 6,486 |
| Noncurrent loans to loans | 0.6657% | 5,922 |
| Net loans and leases to total assets | 48.0729% | 6,619 |
| Net loans and leases to deposits | 61.0310% | 6,304 |
| Net loans and leases to core deposits | 61.5424% | 6,586 |
| Total domestic deposits to total assets | 78.7680% | 6,095 |
| Equity capital to assets | 9.3397% | 4,946 |
| Core capital (leverage) ratio | 10.5193% | 2,618 |
| Tier 1 risk-based capital ratio | 24.3045% | 910 |
| Total risk-based capital ratio | 25.5613% | 889 |
| Memoranda: | ||
| Average total assets | $38,060,330 | 7,075 |
| Average earning assets | $34,703,000 | 7,056 |
| Average equity | $3,411,670 | 7,293 |
| Average total loans | $19,354,670 | 7,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 4,506 |
| Cost of funding earning assets | 1.0446% | 6,155 |
| Net interest margin | 4.0596% | 2,613 |
| Noninterest income to average assets | 1.3753% | 637 |
| Noninterest expense to average assets | 5.1895% | 321 |
| Loan and lease loss provision to assets | 0.1182% | 5,415 |
| Net operating income to assets | -0.1681% | 6,504 |
| Return on assets (ROA) | 0.1182% | 6,088 |
| Pretax return on assets | 0.1827% | 5,935 |
| Return on Equity (ROE) | 1.3487% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.3487% | 5,270 |
| Net charge-offs to loans | 0.0620% | 4,795 |
| Credit loss provision to net charge-offs | 366.6667% | 1,109 |
| Earnings coverage of net charge-offs (x) | -4.3333% | 5,522 |
| Efficiency ratio | 102.7660% | 761 |
| Assets per employee ($millions) | 2.5756% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,756 |
| Loan loss allowance to noncurrent loans | 261.6162% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 6,257 |
| Noncurrent loans to loans | 0.5101% | 6,271 |
| Net loans and leases to total assets | 49.5626% | 6,514 |
| Net loans and leases to deposits | 61.6365% | 6,313 |
| Net loans and leases to core deposits | 62.1466% | 6,591 |
| Total domestic deposits to total assets | 80.4110% | 5,653 |
| Equity capital to assets | 8.3631% | 6,208 |
| Core capital (leverage) ratio | 10.1349% | 3,000 |
| Tier 1 risk-based capital ratio | 22.5269% | 1,147 |
| Total risk-based capital ratio | 23.7804% | 1,117 |
| Memoranda: | ||
| Average total assets | $37,229,000 | 7,190 |
| Average earning assets | $33,697,500 | 7,175 |
| Average equity | $3,262,500 | 7,415 |
| Average total loans | $19,342,500 | 7,192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 3,839 |
| Cost of funding earning assets | 1.2699% | 6,405 |
| Net interest margin | 4.2854% | 1,762 |
| Noninterest income to average assets | 1.2870% | 910 |
| Noninterest expense to average assets | 5.1056% | 485 |
| Loan and lease loss provision to assets | 0.1411% | 6,228 |
| Net operating income to assets | -0.0307% | 5,550 |
| Return on assets (ROA) | 0.0903% | 5,275 |
| Pretax return on assets | 0.1439% | 5,124 |
| Return on Equity (ROE) | 0.9175% | 5,253 |
| Retained earnings to average equity (ytd only) | 0.9175% | 4,382 |
| Net charge-offs to loans | 0.4137% | 4,156 |
| Credit loss provision to net charge-offs | 64.1026% | 6,580 |
| Earnings coverage of net charge-offs (x) | 0.4359% | 5,668 |
| Efficiency ratio | 98.1552% | 1,204 |
| Assets per employee ($millions) | 2.5589% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,751 |
| Loan loss allowance to noncurrent loans | 110.0877% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 5,321 |
| Noncurrent loans to loans | 1.1827% | 4,964 |
| Net loans and leases to total assets | 53.1124% | 6,299 |
| Net loans and leases to deposits | 60.9605% | 6,565 |
| Net loans and leases to core deposits | 63.6631% | 7,107 |
| Total domestic deposits to total assets | 87.1259% | 2,425 |
| Equity capital to assets | 9.1950% | 4,850 |
| Core capital (leverage) ratio | 10.9201% | 2,271 |
| Tier 1 risk-based capital ratio | 21.2373% | 1,256 |
| Total risk-based capital ratio | 22.4910% | 1,226 |
| Memoranda: | ||
| Average total assets | $35,432,000 | 7,260 |
| Average earning assets | $32,366,000 | 7,246 |
| Average equity | $3,487,600 | 7,446 |
| Average total loans | $18,853,000 | 7,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6279% | 3,705 |
| Cost of funding earning assets | 1.3136% | 6,517 |
| Net interest margin | 4.3143% | 1,695 |
| Noninterest income to average assets | 1.2905% | 928 |
| Noninterest expense to average assets | 5.0677% | 464 |
| Loan and lease loss provision to assets | 0.1472% | 5,883 |
| Net operating income to assets | 0.0260% | 5,657 |
| Return on assets (ROA) | 0.1585% | 5,349 |
| Pretax return on assets | 0.2453% | 5,199 |
| Return on Equity (ROE) | 1.5837% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.5837% | 4,426 |
| Net charge-offs to loans | 0.5548% | 3,016 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 0.6411% | 5,385 |
| Efficiency ratio | 96.4106% | 1,256 |
| Assets per employee ($millions) | 2.4691% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,018 |
| Loan loss allowance to noncurrent loans | 140.3509% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 5,245 |
| Noncurrent loans to loans | 0.8671% | 5,557 |
| Net loans and leases to total assets | 56.3556% | 6,102 |
| Net loans and leases to deposits | 64.4981% | 6,452 |
| Net loans and leases to core deposits | 67.4363% | 7,096 |
| Total domestic deposits to total assets | 87.3756% | 1,961 |
| Equity capital to assets | 9.5580% | 4,668 |
| Core capital (leverage) ratio | 11.3458% | 2,163 |
| Tier 1 risk-based capital ratio | 22.1333% | 1,211 |
| Total risk-based capital ratio | 23.3863% | 1,191 |
| Memoranda: | ||
| Average total assets | $35,334,000 | 7,323 |
| Average earning assets | $32,480,250 | 7,307 |
| Average equity | $3,536,000 | 7,498 |
| Average total loans | $18,746,750 | 7,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 3,765 |
| Cost of funding earning assets | 1.3388% | 6,677 |
| Net interest margin | 4.3220% | 1,595 |
| Noninterest income to average assets | 1.3150% | 887 |
| Noninterest expense to average assets | 5.0521% | 495 |
| Loan and lease loss provision to assets | 0.1742% | 5,310 |
| Net operating income to assets | 0.0421% | 5,724 |
| Return on assets (ROA) | 0.1798% | 5,421 |
| Pretax return on assets | 0.2585% | 5,308 |
| Return on Equity (ROE) | 1.7712% | 5,382 |
| Retained earnings to average equity (ytd only) | 1.7712% | 4,353 |
| Net charge-offs to loans | 0.6297% | 2,462 |
| Credit loss provision to net charge-offs | 53.4483% | 5,713 |
| Earnings coverage of net charge-offs (x) | 0.7241% | 4,996 |
| Efficiency ratio | 95.5367% | 1,410 |
| Assets per employee ($millions) | 2.4129% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,255 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 5,631 |
| Noncurrent loans to loans | 0.5582% | 6,151 |
| Net loans and leases to total assets | 52.7601% | 6,593 |
| Net loans and leases to deposits | 59.8977% | 6,897 |
| Net loans and leases to core deposits | 62.4930% | 7,362 |
| Total domestic deposits to total assets | 88.0837% | 1,724 |
| Equity capital to assets | 10.0348% | 3,894 |
| Core capital (leverage) ratio | 10.8747% | 2,511 |
| Tier 1 risk-based capital ratio | 21.6271% | 1,315 |
| Total risk-based capital ratio | 22.8796% | 1,280 |
| Memoranda: | ||
| Average total assets | $35,589,330 | 7,384 |
| Average earning assets | $32,716,670 | 7,369 |
| Average equity | $3,613,330 | 7,536 |
| Average total loans | $18,422,000 | 7,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7451% | 3,558 |
| Cost of funding earning assets | 1.3931% | 6,760 |
| Net interest margin | 4.3520% | 1,461 |
| Noninterest income to average assets | 1.2129% | 977 |
| Noninterest expense to average assets | 5.0217% | 482 |
| Loan and lease loss provision to assets | 0.0907% | 5,795 |
| Net operating income to assets | 0.0679% | 6,072 |
| Return on assets (ROA) | 0.0907% | 6,173 |
| Pretax return on assets | 0.1360% | 6,087 |
| Return on Equity (ROE) | 0.8879% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.8879% | 5,299 |
| Net charge-offs to loans | 0.6014% | 1,974 |
| Credit loss provision to net charge-offs | 29.6296% | 4,949 |
| Earnings coverage of net charge-offs (x) | 0.6296% | 4,486 |
| Efficiency ratio | 96.3043% | 1,302 |
| Assets per employee ($millions) | 2.2368% | 7,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 3,291 |
| Loan loss allowance to noncurrent loans | 84.4156% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 3,908 |
| Noncurrent loans to loans | 1.7057% | 3,697 |
| Net loans and leases to total assets | 49.7276% | 6,885 |
| Net loans and leases to deposits | 57.5099% | 7,066 |
| Net loans and leases to core deposits | 59.8299% | 7,463 |
| Total domestic deposits to total assets | 86.4679% | 2,467 |
| Equity capital to assets | 10.0813% | 3,898 |
| Core capital (leverage) ratio | 10.9307% | 2,557 |
| Tier 1 risk-based capital ratio | 21.5683% | 1,361 |
| Total risk-based capital ratio | 22.8205% | 1,330 |
| Memoranda: | ||
| Average total assets | $35,287,000 | 7,433 |
| Average earning assets | $32,445,000 | 7,422 |
| Average equity | $3,604,000 | 7,590 |
| Average total loans | $17,959,000 | 7,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0212% | 5,447 |
| Cost of funding earning assets | 1.9626% | 6,528 |
| Net interest margin | 4.0587% | 2,879 |
| Noninterest income to average assets | 1.2249% | 990 |
| Noninterest expense to average assets | 4.7535% | 735 |
| Loan and lease loss provision to assets | 0.1096% | 5,971 |
| Net operating income to assets | 0.0840% | 6,148 |
| Return on assets (ROA) | 0.1096% | 5,926 |
| Pretax return on assets | 0.1573% | 5,827 |
| Return on Equity (ROE) | 1.0568% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.0568% | 4,590 |
| Net charge-offs to loans | 0.1415% | 4,803 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.1538% | 4,509 |
| Efficiency ratio | 95.3777% | 1,195 |
| Assets per employee ($millions) | 2.1741% | 7,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 2,385 |
| Loan loss allowance to noncurrent loans | 126.8182% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 3,944 |
| Noncurrent loans to loans | 1.2317% | 4,048 |
| Net loans and leases to total assets | 50.5448% | 6,979 |
| Net loans and leases to deposits | 57.7614% | 7,220 |
| Net loans and leases to core deposits | 59.5032% | 7,603 |
| Total domestic deposits to total assets | 87.5061% | 1,702 |
| Equity capital to assets | 10.3493% | 3,666 |
| Core capital (leverage) ratio | 11.2232% | 2,413 |
| Tier 1 risk-based capital ratio | 23.0012% | 1,192 |
| Total risk-based capital ratio | 24.2558% | 1,167 |
| Memoranda: | ||
| Average total assets | $35,595,000 | 7,403 |
| Average earning assets | $32,966,600 | 7,374 |
| Average equity | $3,690,400 | 7,613 |
| Average total loans | $18,377,200 | 7,435 |