Home > Napoleon Bank > Performance and Condition Ratios
Napoleon Bank, Performance and Condition Ratios
| 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 | 3.3962% | 5,953 |
| Cost of funding earning assets | 0.1316% | 6,837 |
| Net interest margin | 3.2646% | 4,658 |
| Noninterest income to average assets | 0.2228% | 5,890 |
| Noninterest expense to average assets | 2.9789% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1407% | 6,067 |
| Return on assets (ROA) | 0.1407% | 6,162 |
| Pretax return on assets | 0.1525% | 6,167 |
| Return on Equity (ROE) | 0.7219% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.7219% | 5,541 |
| Net charge-offs to loans | 0.0349% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,557 |
| Efficiency ratio | 95.1311% | 767 |
| Assets per employee ($millions) | 4.2276% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 2,964 |
| Loan loss allowance to noncurrent loans | 365.3846% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 6,113 |
| Noncurrent loans to loans | 0.4680% | 5,251 |
| Net loans and leases to total assets | 32.2935% | 6,503 |
| Net loans and leases to deposits | 40.2743% | 6,407 |
| Net loans and leases to core deposits | 40.2743% | 6,469 |
| Total domestic deposits to total assets | 80.1839% | 5,716 |
| Equity capital to assets | 19.6476% | 231 |
| Core capital (leverage) ratio | 19.0307% | 238 |
| Tier 1 risk-based capital ratio | 43.2743% | 192 |
| Total risk-based capital ratio | 44.5156% | 187 |
| Memoranda: | ||
| Average total assets | $34,106,000 | 6,614 |
| Average earning assets | $30,386,500 | 6,614 |
| Average equity | $6,649,500 | 5,829 |
| Average total loans | $11,463,000 | 6,721 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 6,306 |
| Cost of funding earning assets | 0.1405% | 6,943 |
| Net interest margin | 3.4015% | 4,877 |
| Noninterest income to average assets | 0.1892% | 6,050 |
| Noninterest expense to average assets | 2.5844% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5366% | 4,532 |
| Return on assets (ROA) | 0.5366% | 4,791 |
| Pretax return on assets | 0.6129% | 4,959 |
| Return on Equity (ROE) | 2.5755% | 5,723 |
| Retained earnings to average equity (ytd only) | -11.0069% | 6,674 |
| Net charge-offs to loans | -0.0272% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8304% | 2,028 |
| Assets per employee ($millions) | 4.2989% | 3,361 |
| Cash dividends to net income (ytd only)* | 527.3684% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 3,230 |
| Loan loss allowance to noncurrent loans | 244.8718% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 5,991 |
| Noncurrent loans to loans | 0.6602% | 4,880 |
| Net loans and leases to total assets | 33.7966% | 6,556 |
| Net loans and leases to deposits | 42.0088% | 6,462 |
| Net loans and leases to core deposits | 42.0088% | 6,549 |
| Total domestic deposits to total assets | 80.4513% | 5,557 |
| Equity capital to assets | 19.3481% | 246 |
| Core capital (leverage) ratio | 18.2551% | 265 |
| Tier 1 risk-based capital ratio | 41.4442% | 211 |
| Total risk-based capital ratio | 42.6413% | 211 |
| Memoranda: | ||
| Average total assets | $35,405,000 | 6,618 |
| Average earning assets | $31,309,800 | 6,631 |
| Average equity | $7,377,200 | 5,671 |
| Average total loans | $11,043,800 | 6,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5349% | 6,466 |
| Cost of funding earning assets | 0.1432% | 7,049 |
| Net interest margin | 3.3917% | 5,062 |
| Noninterest income to average assets | 0.1832% | 6,207 |
| Noninterest expense to average assets | 2.4341% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7029% | 3,901 |
| Return on assets (ROA) | 0.7029% | 4,141 |
| Pretax return on assets | 0.7590% | 4,633 |
| Return on Equity (ROE) | 3.3165% | 5,567 |
| Retained earnings to average equity (ytd only) | 3.3165% | 4,537 |
| Net charge-offs to loans | 0.0246% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 101.3708% | 419 |
| Efficiency ratio | 76.2295% | 2,642 |
| Assets per employee ($millions) | 4.4035% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 3,011 |
| Loan loss allowance to noncurrent loans | 350.9434% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 6,337 |
| Noncurrent loans to loans | 0.4949% | 5,455 |
| Net loans and leases to total assets | 29.8711% | 6,824 |
| Net loans and leases to deposits | 38.3407% | 6,742 |
| Net loans and leases to core deposits | 38.3407% | 6,800 |
| Total domestic deposits to total assets | 77.9096% | 6,096 |
| Equity capital to assets | 21.8065% | 178 |
| Core capital (leverage) ratio | 21.7126% | 146 |
| Tier 1 risk-based capital ratio | 50.0427% | 141 |
| Total risk-based capital ratio | 51.2655% | 142 |
| Memoranda: | ||
| Average total assets | $35,658,500 | 6,696 |
| Average earning assets | $31,645,250 | 6,704 |
| Average equity | $7,558,000 | 5,679 |
| Average total loans | $10,851,250 | 6,905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 6,566 |
| Cost of funding earning assets | 0.1442% | 7,127 |
| Net interest margin | 3.3908% | 5,117 |
| Noninterest income to average assets | 0.1732% | 6,312 |
| Noninterest expense to average assets | 2.4021% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6871% | 3,939 |
| Return on assets (ROA) | 0.6871% | 4,200 |
| Pretax return on assets | 0.7933% | 4,498 |
| Return on Equity (ROE) | 3.2727% | 5,579 |
| Retained earnings to average equity (ytd only) | 3.2727% | 4,436 |
| Net charge-offs to loans | 0.0367% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 565 |
| Efficiency ratio | 75.1748% | 2,866 |
| Assets per employee ($millions) | 4.3418% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 3,261 |
| Loan loss allowance to noncurrent loans | 254.7945% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 5,688 |
| Noncurrent loans to loans | 0.6637% | 5,178 |
| Net loans and leases to total assets | 31.1309% | 6,845 |
| Net loans and leases to deposits | 40.0067% | 6,729 |
| Net loans and leases to core deposits | 40.0067% | 6,805 |
| Total domestic deposits to total assets | 77.8142% | 6,189 |
| Equity capital to assets | 21.9209% | 161 |
| Core capital (leverage) ratio | 21.4580% | 150 |
| Tier 1 risk-based capital ratio | 49.0830% | 136 |
| Total risk-based capital ratio | 50.2927% | 135 |
| Memoranda: | ||
| Average total assets | $35,802,000 | 6,744 |
| Average earning assets | $31,909,670 | 6,738 |
| Average equity | $7,516,670 | 5,706 |
| Average total loans | $10,898,670 | 6,967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 6,658 |
| Cost of funding earning assets | 0.1496% | 7,191 |
| Net interest margin | 3.3795% | 5,197 |
| Noninterest income to average assets | 0.1651% | 6,396 |
| Noninterest expense to average assets | 2.3778% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6825% | 3,967 |
| Return on assets (ROA) | 0.6825% | 4,183 |
| Pretax return on assets | 0.7706% | 4,526 |
| Return on Equity (ROE) | 3.3208% | 5,584 |
| Retained earnings to average equity (ytd only) | 3.3208% | 4,571 |
| Net charge-offs to loans | 0.1106% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,096 |
| Efficiency ratio | 75.5245% | 2,851 |
| Assets per employee ($millions) | 4.0222% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 3,130 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 5,815 |
| Noncurrent loans to loans | 0.7036% | 5,254 |
| Net loans and leases to total assets | 28.5442% | 6,958 |
| Net loans and leases to deposits | 36.1142% | 6,886 |
| Net loans and leases to core deposits | 36.4454% | 6,928 |
| Total domestic deposits to total assets | 79.0387% | 6,063 |
| Equity capital to assets | 20.7431% | 199 |
| Core capital (leverage) ratio | 20.3662% | 183 |
| Tier 1 risk-based capital ratio | 49.5794% | 130 |
| Total risk-based capital ratio | 50.8047% | 129 |
| Memoranda: | ||
| Average total assets | $36,336,000 | 6,789 |
| Average earning assets | $32,075,500 | 6,792 |
| Average equity | $7,468,000 | 5,747 |
| Average total loans | $10,848,500 | 7,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 6,805 |
| Cost of funding earning assets | 0.1874% | 7,248 |
| Net interest margin | 3.5488% | 4,942 |
| Noninterest income to average assets | 0.2041% | 6,043 |
| Noninterest expense to average assets | 2.5334% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6963% | 3,513 |
| Return on assets (ROA) | 0.6963% | 3,694 |
| Pretax return on assets | 0.8472% | 3,782 |
| Return on Equity (ROE) | 3.3865% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.5704% | 4,399 |
| Net charge-offs to loans | 0.1112% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 23.3077% | 1,030 |
| Efficiency ratio | 74.9380% | 3,068 |
| Assets per employee ($millions) | 4.0524% | 3,743 |
| Cash dividends to net income (ytd only)* | 24.0964% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 3,273 |
| Loan loss allowance to noncurrent loans | 354.7170% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 6,080 |
| Noncurrent loans to loans | 0.4741% | 5,762 |
| Net loans and leases to total assets | 30.1354% | 7,003 |
| Net loans and leases to deposits | 37.9105% | 6,947 |
| Net loans and leases to core deposits | 38.2535% | 6,998 |
| Total domestic deposits to total assets | 79.4911% | 5,870 |
| Equity capital to assets | 20.3636% | 212 |
| Core capital (leverage) ratio | 19.9930% | 203 |
| Tier 1 risk-based capital ratio | 47.1186% | 151 |
| Total risk-based capital ratio | 48.3118% | 151 |
| Memoranda: | ||
| Average total assets | $35,762,800 | 6,805 |
| Average earning assets | $32,010,400 | 6,809 |
| Average equity | $7,352,800 | 5,758 |
| Average total loans | $11,693,800 | 7,047 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 6,799 |
| Cost of funding earning assets | 0.1963% | 7,329 |
| Net interest margin | 3.6381% | 4,628 |
| Noninterest income to average assets | 0.2173% | 6,053 |
| Noninterest expense to average assets | 2.4504% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8693% | 2,862 |
| Return on assets (ROA) | 0.8693% | 3,009 |
| Pretax return on assets | 1.0304% | 3,283 |
| Return on Equity (ROE) | 4.2176% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.2176% | 3,730 |
| Net charge-offs to loans | -0.0112% | 6,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3983% | 3,882 |
| Assets per employee ($millions) | 4.1056% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,676 |
| Loan loss allowance to noncurrent loans | 150.7463% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 6,172 |
| Noncurrent loans to loans | 1.2465% | 4,457 |
| Net loans and leases to total assets | 28.5467% | 7,133 |
| Net loans and leases to deposits | 35.9338% | 7,081 |
| Net loans and leases to core deposits | 36.2911% | 7,111 |
| Total domestic deposits to total assets | 79.4425% | 5,883 |
| Equity capital to assets | 20.3031% | 235 |
| Core capital (leverage) ratio | 20.6985% | 190 |
| Tier 1 risk-based capital ratio | 49.5981% | 151 |
| Total risk-based capital ratio | 50.8469% | 151 |
| Memoranda: | ||
| Average total assets | $35,585,500 | 6,871 |
| Average earning assets | $31,920,750 | 6,874 |
| Average equity | $7,334,250 | 5,806 |
| Average total loans | $11,822,500 | 7,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 6,933 |
| Cost of funding earning assets | 0.2042% | 7,411 |
| Net interest margin | 3.5831% | 4,777 |
| Noninterest income to average assets | 0.1822% | 6,352 |
| Noninterest expense to average assets | 2.4992% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7629% | 3,234 |
| Return on assets (ROA) | 0.7629% | 3,364 |
| Pretax return on assets | 0.9792% | 3,319 |
| Return on Equity (ROE) | 3.6822% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.6822% | 3,879 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8494% | 3,768 |
| Assets per employee ($millions) | 3.9356% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 4,069 |
| Loan loss allowance to noncurrent loans | 372.2222% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 6,711 |
| Noncurrent loans to loans | 0.4067% | 6,090 |
| Net loans and leases to total assets | 36.9226% | 6,914 |
| Net loans and leases to deposits | 46.8376% | 6,790 |
| Net loans and leases to core deposits | 47.3292% | 6,887 |
| Total domestic deposits to total assets | 78.8312% | 6,128 |
| Equity capital to assets | 20.9006% | 215 |
| Core capital (leverage) ratio | 21.1905% | 182 |
| Tier 1 risk-based capital ratio | 44.0756% | 188 |
| Total risk-based capital ratio | 45.2778% | 184 |
| Memoranda: | ||
| Average total assets | $35,130,670 | 6,951 |
| Average earning assets | $32,318,330 | 6,923 |
| Average equity | $7,278,330 | 5,844 |
| Average total loans | $12,180,000 | 7,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 7,083 |
| Cost of funding earning assets | 0.2209% | 7,467 |
| Net interest margin | 3.4608% | 5,180 |
| Noninterest income to average assets | 0.1829% | 6,414 |
| Noninterest expense to average assets | 2.6639% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6060% | 4,002 |
| Return on assets (ROA) | 0.6060% | 4,070 |
| Pretax return on assets | 0.7432% | 4,131 |
| Return on Equity (ROE) | 2.9379% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.9379% | 4,404 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1879% | 2,816 |
| Assets per employee ($millions) | 3.9129% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 3,198 |
| Loan loss allowance to noncurrent loans | 152.2727% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 6,268 |
| Noncurrent loans to loans | 1.1456% | 4,784 |
| Net loans and leases to total assets | 32.1473% | 7,164 |
| Net loans and leases to deposits | 40.5393% | 7,074 |
| Net loans and leases to core deposits | 40.9632% | 7,135 |
| Total domestic deposits to total assets | 79.2992% | 6,117 |
| Equity capital to assets | 20.5532% | 227 |
| Core capital (leverage) ratio | 20.1460% | 224 |
| Tier 1 risk-based capital ratio | 47.8466% | 153 |
| Total risk-based capital ratio | 49.1071% | 154 |
| Memoranda: | ||
| Average total assets | $34,986,000 | 7,007 |
| Average earning assets | $32,594,000 | 6,968 |
| Average equity | $7,216,000 | 5,867 |
| Average total loans | $11,630,500 | 7,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 7,143 |
| Cost of funding earning assets | 0.3466% | 7,473 |
| Net interest margin | 3.6471% | 4,589 |
| Noninterest income to average assets | 0.1980% | 6,359 |
| Noninterest expense to average assets | 2.6433% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7432% | 3,029 |
| Return on assets (ROA) | 0.7454% | 3,142 |
| Pretax return on assets | 0.9435% | 3,123 |
| Return on Equity (ROE) | 3.7609% | 4,629 |
| Retained earnings to average equity (ytd only) | 2.9282% | 3,811 |
| Net charge-offs to loans | 0.0414% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 353 |
| Efficiency ratio | 73.7529% | 3,454 |
| Assets per employee ($millions) | 3.8618% | 4,104 |
| Cash dividends to net income (ytd only)* | 22.1402% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,171 |
| Loan loss allowance to noncurrent loans | 124.0741% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 6,115 |
| Noncurrent loans to loans | 1.3800% | 4,414 |
| Net loans and leases to total assets | 33.1971% | 7,251 |
| Net loans and leases to deposits | 41.9106% | 7,184 |
| Net loans and leases to core deposits | 42.3553% | 7,246 |
| Total domestic deposits to total assets | 79.2093% | 6,028 |
| Equity capital to assets | 20.6986% | 223 |
| Core capital (leverage) ratio | 20.2429% | 225 |
| Tier 1 risk-based capital ratio | 47.0447% | 159 |
| Total risk-based capital ratio | 48.2931% | 159 |
| Memoranda: | ||
| Average total assets | $36,355,800 | 6,997 |
| Average earning assets | $33,752,800 | 6,955 |
| Average equity | $7,205,800 | 5,962 |
| Average total loans | $12,080,000 | 7,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 7,228 |
| Cost of funding earning assets | 0.3724% | 7,594 |
| Net interest margin | 3.6963% | 4,417 |
| Noninterest income to average assets | 0.2104% | 6,405 |
| Noninterest expense to average assets | 2.6299% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7771% | 3,101 |
| Return on assets (ROA) | 0.7799% | 3,250 |
| Pretax return on assets | 1.0048% | 3,165 |
| Return on Equity (ROE) | 3.9766% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.9766% | 3,681 |
| Net charge-offs to loans | 0.0438% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 69.0413% | 437 |
| Efficiency ratio | 72.4276% | 3,624 |
| Assets per employee ($millions) | 3.8794% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 3,372 |
| Loan loss allowance to noncurrent loans | 226.9663% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 6,729 |
| Noncurrent loans to loans | 0.7222% | 5,769 |
| Net loans and leases to total assets | 34.7186% | 7,320 |
| Net loans and leases to deposits | 44.1426% | 7,235 |
| Net loans and leases to core deposits | 44.6762% | 7,297 |
| Total domestic deposits to total assets | 78.6510% | 6,101 |
| Equity capital to assets | 20.9079% | 235 |
| Core capital (leverage) ratio | 20.2563% | 239 |
| Tier 1 risk-based capital ratio | 46.7696% | 166 |
| Total risk-based capital ratio | 48.0230% | 165 |
| Memoranda: | ||
| Average total assets | $36,755,750 | 7,069 |
| Average earning assets | $34,014,750 | 7,025 |
| Average equity | $7,208,750 | 6,041 |
| Average total loans | $12,165,250 | 7,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 7,343 |
| Cost of funding earning assets | 0.3978% | 7,657 |
| Net interest margin | 3.6267% | 4,704 |
| Noninterest income to average assets | 0.2248% | 6,309 |
| Noninterest expense to average assets | 2.6064% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7600% | 3,149 |
| Return on assets (ROA) | 0.7600% | 3,304 |
| Pretax return on assets | 0.9848% | 3,176 |
| Return on Equity (ROE) | 3.9564% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.9564% | 3,561 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5782% | 3,729 |
| Assets per employee ($millions) | 4.0600% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 3,045 |
| Loan loss allowance to noncurrent loans | 367.8571% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 7,004 |
| Noncurrent loans to loans | 0.4640% | 6,328 |
| Net loans and leases to total assets | 32.4658% | 7,470 |
| Net loans and leases to deposits | 40.6992% | 7,427 |
| Net loans and leases to core deposits | 41.1595% | 7,468 |
| Total domestic deposits to total assets | 79.7701% | 5,799 |
| Equity capital to assets | 19.8248% | 293 |
| Core capital (leverage) ratio | 19.2842% | 277 |
| Tier 1 risk-based capital ratio | 47.1447% | 171 |
| Total risk-based capital ratio | 48.3947% | 170 |
| Memoranda: | ||
| Average total assets | $37,369,330 | 7,096 |
| Average earning assets | $34,687,330 | 7,058 |
| Average equity | $7,178,330 | 6,080 |
| Average total loans | $12,112,330 | 7,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 7,485 |
| Cost of funding earning assets | 0.4145% | 7,763 |
| Net interest margin | 3.5513% | 4,944 |
| Noninterest income to average assets | 0.2541% | 6,114 |
| Noninterest expense to average assets | 2.7101% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6352% | 3,729 |
| Return on assets (ROA) | 0.6352% | 3,850 |
| Pretax return on assets | 0.8999% | 3,470 |
| Return on Equity (ROE) | 3.3588% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.3588% | 4,143 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0733% | 3,391 |
| Assets per employee ($millions) | 4.1667% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,808 |
| Loan loss allowance to noncurrent loans | 307.4627% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 7,022 |
| Noncurrent loans to loans | 0.5775% | 6,150 |
| Net loans and leases to total assets | 30.3867% | 7,612 |
| Net loans and leases to deposits | 37.7555% | 7,588 |
| Net loans and leases to core deposits | 38.6337% | 7,612 |
| Total domestic deposits to total assets | 80.4827% | 5,624 |
| Equity capital to assets | 19.0907% | 338 |
| Core capital (leverage) ratio | 18.7641% | 323 |
| Tier 1 risk-based capital ratio | 47.5149% | 169 |
| Total risk-based capital ratio | 48.7692% | 169 |
| Memoranda: | ||
| Average total assets | $37,784,000 | 7,174 |
| Average earning assets | $35,705,000 | 7,101 |
| Average equity | $7,145,500 | 6,135 |
| Average total loans | $12,134,000 | 7,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 7,381 |
| Cost of funding earning assets | 0.6535% | 7,733 |
| Net interest margin | 3.8489% | 3,487 |
| Noninterest income to average assets | 0.1944% | 6,711 |
| Noninterest expense to average assets | 2.6974% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8569% | 2,322 |
| Return on assets (ROA) | 0.8904% | 2,279 |
| Pretax return on assets | 1.1924% | 1,976 |
| Return on Equity (ROE) | 4.7740% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.9290% | 2,459 |
| Net charge-offs to loans | 0.1475% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 946 |
| Efficiency ratio | 70.1503% | 4,590 |
| Assets per employee ($millions) | 4.2298% | 3,378 |
| Cash dividends to net income (ytd only)* | 17.6991% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,174 |
| Loan loss allowance to noncurrent loans | 298.5507% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 7,018 |
| Noncurrent loans to loans | 0.5447% | 6,152 |
| Net loans and leases to total assets | 32.7335% | 7,634 |
| Net loans and leases to deposits | 40.4696% | 7,612 |
| Net loans and leases to core deposits | 45.8091% | 7,668 |
| Total domestic deposits to total assets | 80.8842% | 5,382 |
| Equity capital to assets | 18.7349% | 389 |
| Core capital (leverage) ratio | 18.3696% | 376 |
| Tier 1 risk-based capital ratio | 43.8288% | 201 |
| Total risk-based capital ratio | 45.0768% | 199 |
| Memoranda: | ||
| Average total assets | $38,074,000 | 7,168 |
| Average earning assets | $36,114,000 | 7,099 |
| Average equity | $7,101,000 | 6,235 |
| Average total loans | $12,878,400 | 7,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 7,393 |
| Cost of funding earning assets | 0.7072% | 7,805 |
| Net interest margin | 3.9118% | 3,193 |
| Noninterest income to average assets | 0.1891% | 6,861 |
| Noninterest expense to average assets | 2.6508% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0844% | 1,783 |
| Return on assets (ROA) | 1.1206% | 1,739 |
| Pretax return on assets | 1.2992% | 1,954 |
| Return on Equity (ROE) | 6.0150% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.0150% | 1,941 |
| Net charge-offs to loans | -0.0309% | 7,804 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8315% | 5,013 |
| Assets per employee ($millions) | 4.2238% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,243 |
| Loan loss allowance to noncurrent loans | 190.0000% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 6,695 |
| Noncurrent loans to loans | 0.9528% | 5,391 |
| Net loans and leases to total assets | 32.5328% | 7,729 |
| Net loans and leases to deposits | 40.4309% | 7,717 |
| Net loans and leases to core deposits | 46.4680% | 7,761 |
| Total domestic deposits to total assets | 80.4651% | 5,264 |
| Equity capital to assets | 18.9720% | 422 |
| Core capital (leverage) ratio | 18.5990% | 412 |
| Tier 1 risk-based capital ratio | 45.1236% | 208 |
| Total risk-based capital ratio | 46.3754% | 206 |
| Memoranda: | ||
| Average total assets | $38,075,500 | 7,230 |
| Average earning assets | $36,197,250 | 7,154 |
| Average equity | $7,093,250 | 6,290 |
| Average total loans | $12,931,250 | 7,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 7,435 |
| Cost of funding earning assets | 0.7512% | 7,871 |
| Net interest margin | 3.9148% | 3,042 |
| Noninterest income to average assets | 0.1837% | 6,979 |
| Noninterest expense to average assets | 2.7037% | 5,373 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0680% | 1,880 |
| Return on assets (ROA) | 1.1182% | 1,790 |
| Pretax return on assets | 1.2862% | 2,064 |
| Return on Equity (ROE) | 6.0394% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.0394% | 2,000 |
| Net charge-offs to loans | -0.0153% | 7,657 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7583% | 5,017 |
| Assets per employee ($millions) | 3.8921% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,044 |
| Loan loss allowance to noncurrent loans | 293.5065% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 7,026 |
| Noncurrent loans to loans | 0.6134% | 6,030 |
| Net loans and leases to total assets | 31.6718% | 7,854 |
| Net loans and leases to deposits | 39.0379% | 7,842 |
| Net loans and leases to core deposits | 44.8957% | 7,862 |
| Total domestic deposits to total assets | 81.1310% | 5,025 |
| Equity capital to assets | 18.2755% | 525 |
| Core capital (leverage) ratio | 18.0072% | 514 |
| Tier 1 risk-based capital ratio | 45.2553% | 220 |
| Total risk-based capital ratio | 46.5106% | 219 |
| Memoranda: | ||
| Average total assets | $38,096,000 | 7,288 |
| Average earning assets | $36,477,330 | 7,201 |
| Average equity | $7,053,670 | 6,352 |
| Average total loans | $13,043,330 | 7,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 7,200 |
| Cost of funding earning assets | 0.8091% | 7,900 |
| Net interest margin | 4.0791% | 2,362 |
| Noninterest income to average assets | 0.1698% | 7,089 |
| Noninterest expense to average assets | 2.7917% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0471% | 2,139 |
| Return on assets (ROA) | 1.1464% | 1,940 |
| Pretax return on assets | 1.3481% | 2,123 |
| Return on Equity (ROE) | 6.1503% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.1503% | 2,564 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3931% | 4,699 |
| Assets per employee ($millions) | 3.8604% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 1,809 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 6,902 |
| Noncurrent loans to loans | 0.6460% | 5,795 |
| Net loans and leases to total assets | 31.4941% | 7,879 |
| Net loans and leases to deposits | 38.7976% | 7,878 |
| Net loans and leases to core deposits | 44.8304% | 7,893 |
| Total domestic deposits to total assets | 81.1755% | 4,898 |
| Equity capital to assets | 18.2390% | 578 |
| Core capital (leverage) ratio | 18.0665% | 549 |
| Tier 1 risk-based capital ratio | 46.0056% | 241 |
| Total risk-based capital ratio | 47.2610% | 241 |
| Memoranda: | ||
| Average total assets | $37,683,500 | 7,343 |
| Average earning assets | $35,596,500 | 7,277 |
| Average equity | $7,024,000 | 6,397 |
| Average total loans | $13,288,500 | 7,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5262% | 7,234 |
| Cost of funding earning assets | 1.6221% | 7,399 |
| Net interest margin | 3.9042% | 3,534 |
| Noninterest income to average assets | 0.1954% | 7,055 |
| Noninterest expense to average assets | 2.6158% | 5,588 |
| Loan and lease loss provision to assets | 0.1606% | 5,323 |
| Net operating income to assets | 0.8614% | 3,166 |
| Return on assets (ROA) | 0.9639% | 2,601 |
| Pretax return on assets | 1.2932% | 2,331 |
| Return on Equity (ROE) | 5.3132% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.4277% | 2,369 |
| Net charge-offs to loans | 0.5292% | 2,244 |
| Credit loss provision to net charge-offs | 76.9231% | 5,960 |
| Earnings coverage of net charge-offs (x) | 6.3077% | 3,389 |
| Efficiency ratio | 66.5078% | 5,021 |
| Assets per employee ($millions) | 3.6763% | 4,221 |
| Cash dividends to net income (ytd only)* | 16.6667% | 4,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 2,305 |
| Loan loss allowance to noncurrent loans | 292.2078% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,735 |
| Noncurrent loans to loans | 0.5425% | 5,735 |
| Net loans and leases to total assets | 37.9974% | 7,762 |
| Net loans and leases to deposits | 47.3381% | 7,739 |
| Net loans and leases to core deposits | 55.3272% | 7,757 |
| Total domestic deposits to total assets | 80.2682% | 4,922 |
| Equity capital to assets | 19.0599% | 540 |
| Core capital (leverage) ratio | 17.9207% | 610 |
| Tier 1 risk-based capital ratio | 43.4433% | 282 |
| Total risk-based capital ratio | 44.6992% | 279 |
| Memoranda: | ||
| Average total assets | $37,350,000 | 7,332 |
| Average earning assets | $35,756,800 | 7,251 |
| Average equity | $6,775,600 | 6,539 |
| Average total loans | $14,738,600 | 7,665 |