Home > North Loup Valley Bank > Performance and Condition Ratios
North Loup Valley Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8665% | 6,158 |
| Cost of funding earning assets | 0.3525% | 4,226 |
| Net interest margin | 2.5140% | 6,141 |
| Noninterest income to average assets | 0.3595% | 4,527 |
| Noninterest expense to average assets | 2.7882% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0437% | 6,118 |
| Return on assets (ROA) | -0.0437% | 6,127 |
| Pretax return on assets | -0.0729% | 6,130 |
| Return on Equity (ROE) | -0.4502% | 6,131 |
| Retained earnings to average equity (ytd only) | -0.4502% | 5,842 |
| Net charge-offs to loans | -0.7537% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6834% | 313 |
| Assets per employee ($millions) | 4.1502% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0621% | 279 |
| Loan loss allowance to noncurrent loans | 1,735.2941% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 3,949 |
| Noncurrent loans to loans | 0.1765% | 5,195 |
| Net loans and leases to total assets | 45.0051% | 5,405 |
| Net loans and leases to deposits | 49.9839% | 5,579 |
| Net loans and leases to core deposits | 52.3633% | 5,596 |
| Total domestic deposits to total assets | 90.0390% | 715 |
| Equity capital to assets | 9.5803% | 4,616 |
| Core capital (leverage) ratio | 9.5618% | 4,158 |
| Tier 1 risk-based capital ratio | 15.1779% | 3,394 |
| Total risk-based capital ratio | 16.4376% | 3,333 |
| Memoranda: | ||
| Average total assets | $20,586,600 | 6,404 |
| Average earning assets | $19,292,000 | 6,378 |
| Average equity | $1,999,000 | 6,401 |
| Average total loans | $9,818,800 | 6,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9075% | 6,200 |
| Cost of funding earning assets | 0.3531% | 4,311 |
| Net interest margin | 2.5544% | 6,181 |
| Noninterest income to average assets | 0.3569% | 4,584 |
| Noninterest expense to average assets | 2.7451% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0195% | 6,126 |
| Return on assets (ROA) | 0.0195% | 6,143 |
| Pretax return on assets | 0.0065% | 6,139 |
| Return on Equity (ROE) | 0.1998% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.1998% | 5,744 |
| Net charge-offs to loans | -1.0001% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7642% | 376 |
| Assets per employee ($millions) | 4.9183% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2698% | 277 |
| Loan loss allowance to noncurrent loans | 265.7658% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 2,833 |
| Noncurrent loans to loans | 1.2303% | 2,585 |
| Net loans and leases to total assets | 44.3603% | 5,498 |
| Net loans and leases to deposits | 49.5937% | 5,676 |
| Net loans and leases to core deposits | 52.1046% | 5,678 |
| Total domestic deposits to total assets | 89.4475% | 1,010 |
| Equity capital to assets | 10.1662% | 3,971 |
| Core capital (leverage) ratio | 9.9925% | 3,686 |
| Tier 1 risk-based capital ratio | 15.8831% | 3,111 |
| Total risk-based capital ratio | 17.1458% | 3,052 |
| Memoranda: | ||
| Average total assets | $20,545,500 | 6,478 |
| Average earning assets | $19,260,500 | 6,452 |
| Average equity | $2,001,750 | 6,474 |
| Average total loans | $9,865,000 | 6,391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9079% | 6,254 |
| Cost of funding earning assets | 0.3609% | 4,313 |
| Net interest margin | 2.5470% | 6,224 |
| Noninterest income to average assets | 0.3839% | 4,376 |
| Noninterest expense to average assets | 2.7068% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0384% | 6,147 |
| Return on assets (ROA) | 0.0384% | 6,174 |
| Pretax return on assets | 0.0480% | 6,153 |
| Return on Equity (ROE) | 0.3995% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.3995% | 5,579 |
| Net charge-offs to loans | -0.1183% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2578% | 454 |
| Assets per employee ($millions) | 4.1256% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 922 |
| Loan loss allowance to noncurrent loans | 49.5633% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.2203% | 1,364 |
| Noncurrent loans to loans | 4.6007% | 468 |
| Net loans and leases to total assets | 47.1592% | 5,249 |
| Net loans and leases to deposits | 52.4138% | 5,472 |
| Net loans and leases to core deposits | 54.9201% | 5,495 |
| Total domestic deposits to total assets | 89.9748% | 827 |
| Equity capital to assets | 9.7004% | 4,490 |
| Core capital (leverage) ratio | 9.6165% | 4,152 |
| Tier 1 risk-based capital ratio | 14.8784% | 3,696 |
| Total risk-based capital ratio | 16.1350% | 3,642 |
| Memoranda: | ||
| Average total assets | $20,836,330 | 6,536 |
| Average earning assets | $19,395,330 | 6,517 |
| Average equity | $2,002,330 | 6,533 |
| Average total loans | $10,146,000 | 6,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 6,124 |
| Cost of funding earning assets | 0.3719% | 4,292 |
| Net interest margin | 2.7276% | 6,068 |
| Noninterest income to average assets | 0.3247% | 4,768 |
| Noninterest expense to average assets | 2.5978% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2292% | 5,717 |
| Return on assets (ROA) | 0.2292% | 5,770 |
| Pretax return on assets | 0.2483% | 5,833 |
| Return on Equity (ROE) | 2.3964% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.3964% | 4,639 |
| Net charge-offs to loans | 0.0391% | 2,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,686 |
| Efficiency ratio | 91.2752% | 925 |
| Assets per employee ($millions) | 4.3126% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 1,008 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 2,811 |
| Noncurrent loans to loans | 2.7746% | 1,210 |
| Net loans and leases to total assets | 43.1062% | 5,585 |
| Net loans and leases to deposits | 47.6911% | 5,748 |
| Net loans and leases to core deposits | 49.8552% | 5,777 |
| Total domestic deposits to total assets | 90.3863% | 868 |
| Equity capital to assets | 9.3169% | 4,743 |
| Core capital (leverage) ratio | 9.1848% | 4,740 |
| Tier 1 risk-based capital ratio | 16.0322% | 3,160 |
| Total risk-based capital ratio | 17.2851% | 3,106 |
| Memoranda: | ||
| Average total assets | $20,940,500 | 6,607 |
| Average earning assets | $19,358,000 | 6,585 |
| Average equity | $2,003,000 | 6,601 |
| Average total loans | $10,241,500 | 6,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 5,788 |
| Cost of funding earning assets | 0.4800% | 3,821 |
| Net interest margin | 2.9444% | 5,696 |
| Noninterest income to average assets | 0.3809% | 4,584 |
| Noninterest expense to average assets | 2.6712% | 4,209 |
| Loan and lease loss provision to assets | 0.8130% | 258 |
| Net operating income to assets | -0.2834% | 6,409 |
| Return on assets (ROA) | -0.2834% | 6,430 |
| Pretax return on assets | -0.3391% | 6,432 |
| Return on Equity (ROE) | -3.1705% | 6,438 |
| Retained earnings to average equity (ytd only) | -3.1705% | 6,278 |
| Net charge-offs to loans | 1.8128% | 222 |
| Credit loss provision to net charge-offs | 89.7436% | 2,764 |
| Earnings coverage of net charge-offs (x) | 0.5231% | 4,905 |
| Efficiency ratio | 84.9335% | 1,526 |
| Assets per employee ($millions) | 4.0636% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 1,512 |
| Loan loss allowance to noncurrent loans | 113.9175% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 3,506 |
| Noncurrent loans to loans | 1.7688% | 2,278 |
| Net loans and leases to total assets | 52.8940% | 4,737 |
| Net loans and leases to deposits | 60.1534% | 4,924 |
| Net loans and leases to core deposits | 64.1191% | 4,855 |
| Total domestic deposits to total assets | 87.9319% | 2,214 |
| Equity capital to assets | 9.8287% | 3,988 |
| Core capital (leverage) ratio | 9.7036% | 3,979 |
| Tier 1 risk-based capital ratio | 15.1828% | 3,553 |
| Total risk-based capital ratio | 16.4373% | 3,497 |
| Memoranda: | ||
| Average total assets | $21,526,000 | 6,682 |
| Average earning assets | $20,207,600 | 6,651 |
| Average equity | $1,924,000 | 6,699 |
| Average total loans | $10,756,800 | 6,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3576% | 5,961 |
| Cost of funding earning assets | 0.4945% | 3,821 |
| Net interest margin | 2.8631% | 5,891 |
| Noninterest income to average assets | 0.3848% | 4,638 |
| Noninterest expense to average assets | 2.3333% | 5,237 |
| Loan and lease loss provision to assets | 1.0689% | 149 |
| Net operating income to assets | -0.4948% | 6,597 |
| Return on assets (ROA) | -0.4948% | 6,610 |
| Pretax return on assets | -0.3299% | 6,536 |
| Return on Equity (ROE) | -5.6671% | 6,611 |
| Retained earnings to average equity (ytd only) | -5.6671% | 6,521 |
| Net charge-offs to loans | 2.1425% | 165 |
| Credit loss provision to net charge-offs | 101.7442% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.7035% | 4,616 |
| Efficiency ratio | 75.9443% | 2,742 |
| Assets per employee ($millions) | 4.1952% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,401 |
| Loan loss allowance to noncurrent loans | 127.0833% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 3,847 |
| Noncurrent loans to loans | 1.6994% | 2,644 |
| Net loans and leases to total assets | 52.6983% | 4,794 |
| Net loans and leases to deposits | 59.7062% | 5,009 |
| Net loans and leases to core deposits | 63.4886% | 4,950 |
| Total domestic deposits to total assets | 88.2628% | 1,958 |
| Equity capital to assets | 9.4251% | 4,640 |
| Core capital (leverage) ratio | 9.5729% | 4,289 |
| Tier 1 risk-based capital ratio | 14.4655% | 4,092 |
| Total risk-based capital ratio | 15.7240% | 4,046 |
| Memoranda: | ||
| Average total assets | $21,828,000 | 6,753 |
| Average earning assets | $20,490,250 | 6,723 |
| Average equity | $1,905,750 | 6,784 |
| Average total loans | $10,704,000 | 6,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 6,137 |
| Cost of funding earning assets | 0.5286% | 3,624 |
| Net interest margin | 2.7390% | 6,115 |
| Noninterest income to average assets | 0.3618% | 4,799 |
| Noninterest expense to average assets | 2.2703% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4794% | 4,884 |
| Return on assets (ROA) | 0.4794% | 5,066 |
| Pretax return on assets | 0.6693% | 4,779 |
| Return on Equity (ROE) | 5.6323% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.6323% | 2,654 |
| Net charge-offs to loans | -0.0952% | 6,492 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2308% | 2,588 |
| Assets per employee ($millions) | 4.2168% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 1,197 |
| Loan loss allowance to noncurrent loans | 132.2581% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 4,033 |
| Noncurrent loans to loans | 1.7674% | 2,677 |
| Net loans and leases to total assets | 48.7479% | 5,251 |
| Net loans and leases to deposits | 53.8764% | 5,530 |
| Net loans and leases to core deposits | 57.1794% | 5,508 |
| Total domestic deposits to total assets | 90.4809% | 770 |
| Equity capital to assets | 9.0590% | 5,159 |
| Core capital (leverage) ratio | 8.6508% | 5,482 |
| Tier 1 risk-based capital ratio | 14.6259% | 4,014 |
| Total risk-based capital ratio | 15.8818% | 3,973 |
| Memoranda: | ||
| Average total assets | $22,112,000 | 6,799 |
| Average earning assets | $20,810,670 | 6,765 |
| Average equity | $1,882,000 | 6,834 |
| Average total loans | $10,506,000 | 6,685 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 6,349 |
| Cost of funding earning assets | 0.5478% | 3,594 |
| Net interest margin | 2.6068% | 6,363 |
| Noninterest income to average assets | 0.3182% | 5,148 |
| Noninterest expense to average assets | 2.2629% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3889% | 5,170 |
| Return on assets (ROA) | 0.3889% | 5,316 |
| Pretax return on assets | 0.4950% | 5,279 |
| Return on Equity (ROE) | 4.7109% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.7109% | 3,410 |
| Net charge-offs to loans | -0.0381% | 5,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0513% | 2,030 |
| Assets per employee ($millions) | 4.6216% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4193% | 1,219 |
| Loan loss allowance to noncurrent loans | 125.3886% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 4,294 |
| Noncurrent loans to loans | 1.9294% | 2,700 |
| Net loans and leases to total assets | 42.2408% | 5,828 |
| Net loans and leases to deposits | 46.1797% | 6,048 |
| Net loans and leases to core deposits | 48.7173% | 6,054 |
| Total domestic deposits to total assets | 91.4705% | 360 |
| Equity capital to assets | 8.1314% | 6,310 |
| Core capital (leverage) ratio | 8.1047% | 6,039 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,986 |
| Total risk-based capital ratio | 16.0261% | 3,952 |
| Memoranda: | ||
| Average total assets | $22,626,000 | 6,864 |
| Average earning assets | $21,175,000 | 6,824 |
| Average equity | $1,868,000 | 6,898 |
| Average total loans | $10,497,000 | 6,749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 6,188 |
| Cost of funding earning assets | 0.8836% | 2,049 |
| Net interest margin | 2.7373% | 6,472 |
| Noninterest income to average assets | 0.3035% | 5,277 |
| Noninterest expense to average assets | 2.3659% | 5,510 |
| Loan and lease loss provision to assets | 0.1562% | 3,661 |
| Net operating income to assets | 0.2902% | 5,502 |
| Return on assets (ROA) | 0.2902% | 5,711 |
| Pretax return on assets | 0.3259% | 5,775 |
| Return on Equity (ROE) | 3.5597% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.5597% | 3,707 |
| Net charge-offs to loans | 0.1499% | 4,192 |
| Credit loss provision to net charge-offs | 218.7500% | 1,152 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,748 |
| Efficiency ratio | 83.0721% | 1,738 |
| Assets per employee ($millions) | 4.4288% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1927% | 1,563 |
| Loan loss allowance to noncurrent loans | 105.2402% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 3,964 |
| Noncurrent loans to loans | 2.0835% | 2,598 |
| Net loans and leases to total assets | 48.5459% | 5,354 |
| Net loans and leases to deposits | 53.2838% | 5,718 |
| Net loans and leases to core deposits | 56.3535% | 5,689 |
| Total domestic deposits to total assets | 91.1082% | 459 |
| Equity capital to assets | 8.3860% | 6,132 |
| Core capital (leverage) ratio | 8.3345% | 5,849 |
| Tier 1 risk-based capital ratio | 13.8935% | 4,455 |
| Total risk-based capital ratio | 15.1504% | 4,416 |
| Memoranda: | ||
| Average total assets | $22,401,800 | 6,920 |
| Average earning assets | $20,823,400 | 6,888 |
| Average equity | $1,826,000 | 6,977 |
| Average total loans | $10,675,000 | 6,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 6,382 |
| Cost of funding earning assets | 0.9362% | 1,947 |
| Net interest margin | 2.6747% | 6,677 |
| Noninterest income to average assets | 0.3086% | 5,315 |
| Noninterest expense to average assets | 2.3442% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3976% | 5,259 |
| Return on assets (ROA) | 0.3976% | 5,479 |
| Pretax return on assets | 0.4570% | 5,577 |
| Return on Equity (ROE) | 4.9130% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.9130% | 3,430 |
| Net charge-offs to loans | 0.2265% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.2775% | 3,354 |
| Efficiency ratio | 83.6864% | 1,629 |
| Assets per employee ($millions) | 4.3294% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,841 |
| Loan loss allowance to noncurrent loans | 53.4031% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 2,958 |
| Noncurrent loans to loans | 3.3430% | 1,645 |
| Net loans and leases to total assets | 51.8455% | 5,074 |
| Net loans and leases to deposits | 57.0855% | 5,522 |
| Net loans and leases to core deposits | 60.4590% | 5,508 |
| Total domestic deposits to total assets | 90.8209% | 459 |
| Equity capital to assets | 8.5878% | 6,182 |
| Core capital (leverage) ratio | 8.2148% | 6,125 |
| Tier 1 risk-based capital ratio | 13.4564% | 4,905 |
| Total risk-based capital ratio | 14.7087% | 4,867 |
| Memoranda: | ||
| Average total assets | $22,466,250 | 7,008 |
| Average earning assets | $20,936,250 | 6,975 |
| Average equity | $1,818,250 | 7,074 |
| Average total loans | $10,596,000 | 6,918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4734% | 6,639 |
| Cost of funding earning assets | 0.9843% | 1,857 |
| Net interest margin | 2.4891% | 6,898 |
| Noninterest income to average assets | 0.3166% | 5,286 |
| Noninterest expense to average assets | 2.2780% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3166% | 5,560 |
| Return on assets (ROA) | 0.3166% | 5,764 |
| Pretax return on assets | 0.3518% | 5,823 |
| Return on Equity (ROE) | 3.9896% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.9896% | 3,962 |
| Net charge-offs to loans | -0.6008% | 7,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6221% | 1,375 |
| Assets per employee ($millions) | 4.6802% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 1,498 |
| Loan loss allowance to noncurrent loans | 88.7719% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 3,981 |
| Noncurrent loans to loans | 2.6499% | 2,269 |
| Net loans and leases to total assets | 44.8784% | 5,934 |
| Net loans and leases to deposits | 48.9444% | 6,246 |
| Net loans and leases to core deposits | 52.2202% | 6,219 |
| Total domestic deposits to total assets | 91.6927% | 281 |
| Equity capital to assets | 7.8116% | 6,670 |
| Core capital (leverage) ratio | 7.9083% | 6,361 |
| Tier 1 risk-based capital ratio | 13.7630% | 4,620 |
| Total risk-based capital ratio | 15.0203% | 4,583 |
| Memoranda: | ||
| Average total assets | $22,739,330 | 7,064 |
| Average earning assets | $21,132,000 | 7,028 |
| Average equity | $1,804,670 | 7,128 |
| Average total loans | $10,319,000 | 6,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 6,628 |
| Cost of funding earning assets | 1.0319% | 1,795 |
| Net interest margin | 2.5225% | 6,939 |
| Noninterest income to average assets | 0.3035% | 5,450 |
| Noninterest expense to average assets | 2.5883% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0357% | 6,358 |
| Return on assets (ROA) | 0.0357% | 6,474 |
| Pretax return on assets | 0.0714% | 6,424 |
| Return on Equity (ROE) | 0.4462% | 6,453 |
| Retained earnings to average equity (ytd only) | 0.4462% | 5,852 |
| Net charge-offs to loans | -1.0692% | 7,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3154% | 665 |
| Assets per employee ($millions) | 4.5692% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5465% | 1,292 |
| Loan loss allowance to noncurrent loans | 93.2584% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 4,177 |
| Noncurrent loans to loans | 2.7306% | 2,387 |
| Net loans and leases to total assets | 41.7097% | 6,218 |
| Net loans and leases to deposits | 45.4997% | 6,467 |
| Net loans and leases to core deposits | 48.6198% | 6,421 |
| Total domestic deposits to total assets | 91.6703% | 333 |
| Equity capital to assets | 7.8526% | 6,612 |
| Core capital (leverage) ratio | 7.9121% | 6,328 |
| Tier 1 risk-based capital ratio | 14.4935% | 4,113 |
| Total risk-based capital ratio | 15.7538% | 4,063 |
| Memoranda: | ||
| Average total assets | $22,408,500 | 7,131 |
| Average earning assets | $20,931,500 | 7,092 |
| Average equity | $1,793,000 | 7,184 |
| Average total loans | $10,101,000 | 7,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 6,522 |
| Cost of funding earning assets | 1.5083% | 691 |
| Net interest margin | 2.4549% | 7,081 |
| Noninterest income to average assets | 0.3830% | 4,763 |
| Noninterest expense to average assets | 2.2556% | 6,152 |
| Loan and lease loss provision to assets | 0.1891% | 4,292 |
| Net operating income to assets | 0.1135% | 5,838 |
| Return on assets (ROA) | 0.1135% | 5,961 |
| Pretax return on assets | 0.1702% | 5,853 |
| Return on Equity (ROE) | 1.3351% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.2225% | 5,724 |
| Net charge-offs to loans | 0.2993% | 3,908 |
| Credit loss provision to net charge-offs | 129.0323% | 2,382 |
| Earnings coverage of net charge-offs (x) | 2.4516% | 3,986 |
| Efficiency ratio | 86.2568% | 1,526 |
| Assets per employee ($millions) | 4.3942% | 3,076 |
| Cash dividends to net income (ytd only)* | 83.3333% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 1,931 |
| Loan loss allowance to noncurrent loans | 98.6667% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 4,568 |
| Noncurrent loans to loans | 2.1585% | 2,998 |
| Net loans and leases to total assets | 46.4339% | 5,976 |
| Net loans and leases to deposits | 50.8397% | 6,303 |
| Net loans and leases to core deposits | 54.4804% | 6,265 |
| Total domestic deposits to total assets | 91.3340% | 386 |
| Equity capital to assets | 8.1562% | 6,480 |
| Core capital (leverage) ratio | 8.1469% | 6,078 |
| Tier 1 risk-based capital ratio | 10.2623% | 6,780 |
| Total risk-based capital ratio | 11.5107% | 6,757 |
| Memoranda: | ||
| Average total assets | $21,147,600 | 7,180 |
| Average earning assets | $19,227,000 | 7,156 |
| Average equity | $1,797,600 | 7,239 |
| Average total loans | $10,358,200 | 7,104 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 6,522 |
| Cost of funding earning assets | 1.5775% | 643 |
| Net interest margin | 2.4648% | 7,149 |
| Noninterest income to average assets | 0.3947% | 4,709 |
| Noninterest expense to average assets | 2.1902% | 6,300 |
| Loan and lease loss provision to assets | 0.2547% | 3,467 |
| Net operating income to assets | 0.1465% | 5,846 |
| Return on assets (ROA) | 0.1465% | 5,966 |
| Pretax return on assets | 0.1783% | 5,937 |
| Return on Equity (ROE) | 1.7048% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.7048% | 5,290 |
| Net charge-offs to loans | 0.4255% | 3,015 |
| Credit loss provision to net charge-offs | 121.2121% | 2,671 |
| Earnings coverage of net charge-offs (x) | 2.0605% | 4,114 |
| Efficiency ratio | 83.4951% | 1,788 |
| Assets per employee ($millions) | 4.2830% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 2,060 |
| Loan loss allowance to noncurrent loans | 122.9050% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 5,090 |
| Noncurrent loans to loans | 1.7110% | 3,745 |
| Net loans and leases to total assets | 47.8263% | 5,977 |
| Net loans and leases to deposits | 52.5473% | 6,324 |
| Net loans and leases to core deposits | 57.2595% | 6,202 |
| Total domestic deposits to total assets | 91.0156% | 425 |
| Equity capital to assets | 8.4567% | 6,344 |
| Core capital (leverage) ratio | 8.5850% | 5,581 |
| Tier 1 risk-based capital ratio | 10.0942% | 6,925 |
| Total risk-based capital ratio | 11.3204% | 6,924 |
| Memoranda: | ||
| Average total assets | $20,941,750 | 7,254 |
| Average earning assets | $18,932,750 | 7,235 |
| Average equity | $1,799,000 | 7,315 |
| Average total loans | $10,341,750 | 7,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 6,699 |
| Cost of funding earning assets | 1.6123% | 664 |
| Net interest margin | 2.3654% | 7,252 |
| Noninterest income to average assets | 0.4138% | 4,562 |
| Noninterest expense to average assets | 2.2229% | 6,322 |
| Loan and lease loss provision to assets | 0.1443% | 4,500 |
| Net operating income to assets | 0.1636% | 5,846 |
| Return on assets (ROA) | 0.1636% | 5,942 |
| Pretax return on assets | 0.1925% | 5,943 |
| Return on Equity (ROE) | 1.8942% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.8942% | 5,030 |
| Net charge-offs to loans | 0.0582% | 5,067 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,694 |
| Efficiency ratio | 86.8421% | 1,524 |
| Assets per employee ($millions) | 4.1136% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 2,046 |
| Loan loss allowance to noncurrent loans | 99.5575% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 4,690 |
| Noncurrent loans to loans | 2.1440% | 3,292 |
| Net loans and leases to total assets | 50.1556% | 5,801 |
| Net loans and leases to deposits | 55.3137% | 6,198 |
| Net loans and leases to core deposits | 62.1633% | 5,887 |
| Total domestic deposits to total assets | 90.6748% | 646 |
| Equity capital to assets | 8.7758% | 5,845 |
| Core capital (leverage) ratio | 8.3207% | 5,834 |
| Tier 1 risk-based capital ratio | 10.7294% | 6,694 |
| Total risk-based capital ratio | 11.9776% | 6,681 |
| Memoranda: | ||
| Average total assets | $20,784,000 | 7,329 |
| Average earning assets | $18,855,330 | 7,308 |
| Average equity | $1,795,000 | 7,384 |
| Average total loans | $10,301,670 | 7,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 6,612 |
| Cost of funding earning assets | 1.6349% | 714 |
| Net interest margin | 2.4094% | 7,254 |
| Noninterest income to average assets | 0.3829% | 4,855 |
| Noninterest expense to average assets | 2.4507% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0574% | 6,216 |
| Return on assets (ROA) | 0.0574% | 6,258 |
| Pretax return on assets | 0.0766% | 6,222 |
| Return on Equity (ROE) | 0.6704% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.6704% | 5,556 |
| Net charge-offs to loans | 0.0786% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 96.9697% | 876 |
| Assets per employee ($millions) | 3.6735% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 2,160 |
| Loan loss allowance to noncurrent loans | 98.5981% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 4,957 |
| Noncurrent loans to loans | 2.1417% | 3,391 |
| Net loans and leases to total assets | 44.3764% | 6,443 |
| Net loans and leases to deposits | 48.5771% | 6,717 |
| Net loans and leases to core deposits | 51.3654% | 6,710 |
| Total domestic deposits to total assets | 91.3525% | 464 |
| Equity capital to assets | 8.1303% | 6,364 |
| Core capital (leverage) ratio | 8.4120% | 5,605 |
| Tier 1 risk-based capital ratio | 10.5854% | 6,756 |
| Total risk-based capital ratio | 11.8318% | 6,749 |
| Memoranda: | ||
| Average total assets | $20,892,000 | 7,385 |
| Average earning assets | $18,594,000 | 7,369 |
| Average equity | $1,790,000 | 7,436 |
| Average total loans | $10,182,000 | 7,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 4,870 |
| Cost of funding earning assets | 1.7420% | 1,415 |
| Net interest margin | 3.1898% | 6,290 |
| Noninterest income to average assets | 0.4190% | 4,749 |
| Noninterest expense to average assets | 2.3921% | 6,106 |
| Loan and lease loss provision to assets | 0.3713% | 3,900 |
| Net operating income to assets | 0.3819% | 4,628 |
| Return on assets (ROA) | 0.3819% | 4,775 |
| Pretax return on assets | 0.5304% | 4,529 |
| Return on Equity (ROE) | 4.0381% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.6360% | 4,015 |
| Net charge-offs to loans | 0.7550% | 2,754 |
| Credit loss provision to net charge-offs | 89.7436% | 5,141 |
| Earnings coverage of net charge-offs (x) | 2.1795% | 4,087 |
| Efficiency ratio | 72.6248% | 3,676 |
| Assets per employee ($millions) | 3.2905% | 5,451 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 2,169 |
| Loan loss allowance to noncurrent loans | 59.1667% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8234% | 3,597 |
| Noncurrent loans to loans | 3.4709% | 2,179 |
| Net loans and leases to total assets | 51.4562% | 5,996 |
| Net loans and leases to deposits | 56.9323% | 6,359 |
| Net loans and leases to core deposits | 60.6218% | 6,347 |
| Total domestic deposits to total assets | 90.3814% | 898 |
| Equity capital to assets | 9.0564% | 5,066 |
| Core capital (leverage) ratio | 9.1462% | 4,269 |
| Tier 1 risk-based capital ratio | 10.1735% | 6,892 |
| Total risk-based capital ratio | 11.3855% | 6,892 |
| Memoranda: | ||
| Average total assets | $18,853,400 | 7,493 |
| Average earning assets | $16,991,800 | 7,475 |
| Average equity | $1,783,000 | 7,543 |
| Average total loans | $10,331,200 | 7,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 5,336 |
| Cost of funding earning assets | 1.7458% | 1,647 |
| Net interest margin | 3.1378% | 6,514 |
| Noninterest income to average assets | 0.3865% | 5,066 |
| Noninterest expense to average assets | 2.2829% | 6,382 |
| Loan and lease loss provision to assets | 0.1073% | 5,963 |
| Net operating income to assets | 0.6870% | 3,481 |
| Return on assets (ROA) | 0.6870% | 3,635 |
| Pretax return on assets | 0.8516% | 3,727 |
| Return on Equity (ROE) | 7.1839% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.3128% | 2,761 |
| Net charge-offs to loans | -0.1292% | 7,581 |
| Credit loss provision to net charge-offs | -150.0000% | 6,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4194% | 3,981 |
| Assets per employee ($millions) | 3.1410% | 5,827 |
| Cash dividends to net income (ytd only)* | 26.0391% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 1,748 |
| Loan loss allowance to noncurrent loans | 63.0769% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.0694% | 3,377 |
| Noncurrent loans to loans | 3.5275% | 2,234 |
| Net loans and leases to total assets | 57.3597% | 5,358 |
| Net loans and leases to deposits | 63.8851% | 5,928 |
| Net loans and leases to core deposits | 67.1888% | 6,017 |
| Total domestic deposits to total assets | 89.7856% | 975 |
| Equity capital to assets | 9.6148% | 4,668 |
| Core capital (leverage) ratio | 9.6661% | 3,667 |
| Tier 1 risk-based capital ratio | 10.6620% | 6,663 |
| Total risk-based capital ratio | 11.9153% | 6,652 |
| Memoranda: | ||
| Average total assets | $18,631,000 | 7,597 |
| Average earning assets | $16,954,500 | 7,572 |
| Average equity | $1,781,750 | 7,641 |
| Average total loans | $10,321,000 | 7,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 5,983 |
| Cost of funding earning assets | 1.7426% | 1,908 |
| Net interest margin | 3.0056% | 6,815 |
| Noninterest income to average assets | 0.3341% | 5,478 |
| Noninterest expense to average assets | 2.2091% | 6,622 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7220% | 3,307 |
| Return on assets (ROA) | 0.7220% | 3,459 |
| Pretax return on assets | 0.8944% | 3,517 |
| Return on Equity (ROE) | 7.5635% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.7413% | 3,054 |
| Net charge-offs to loans | -0.3573% | 7,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1806% | 3,958 |
| Assets per employee ($millions) | 3.1015% | 5,918 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 1,669 |
| Loan loss allowance to noncurrent loans | 47.7046% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.6922% | 2,689 |
| Noncurrent loans to loans | 4.7175% | 1,504 |
| Net loans and leases to total assets | 55.7848% | 5,735 |
| Net loans and leases to deposits | 63.6130% | 6,074 |
| Net loans and leases to core deposits | 67.0131% | 6,154 |
| Total domestic deposits to total assets | 87.6941% | 2,164 |
| Equity capital to assets | 9.5814% | 4,581 |
| Core capital (leverage) ratio | 9.6603% | 3,593 |
| Tier 1 risk-based capital ratio | 11.1382% | 6,106 |
| Total risk-based capital ratio | 12.3938% | 6,087 |
| Memoranda: | ||
| Average total assets | $18,559,330 | 7,667 |
| Average earning assets | $17,101,330 | 7,637 |
| Average equity | $1,771,670 | 7,706 |
| Average total loans | $10,076,000 | 7,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 6,358 |
| Cost of funding earning assets | 1.7962% | 1,891 |
| Net interest margin | 2.8692% | 7,074 |
| Noninterest income to average assets | 0.3669% | 5,209 |
| Noninterest expense to average assets | 2.1797% | 6,741 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7338% | 3,288 |
| Return on assets (ROA) | 0.7338% | 3,393 |
| Pretax return on assets | 0.8417% | 3,699 |
| Return on Equity (ROE) | 7.7010% | 3,026 |
| Retained earnings to average equity (ytd only) | 2.0385% | 4,904 |
| Net charge-offs to loans | -0.4488% | 7,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1429% | 3,908 |
| Assets per employee ($millions) | 3.0888% | 6,025 |
| Cash dividends to net income (ytd only)* | 73.5294% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3587% | 1,478 |
| Loan loss allowance to noncurrent loans | 85.6089% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 4,309 |
| Noncurrent loans to loans | 2.7552% | 2,897 |
| Net loans and leases to total assets | 51.8211% | 6,291 |
| Net loans and leases to deposits | 57.5228% | 6,653 |
| Net loans and leases to core deposits | 60.5091% | 6,704 |
| Total domestic deposits to total assets | 90.0880% | 942 |
| Equity capital to assets | 9.4426% | 4,627 |
| Core capital (leverage) ratio | 9.3125% | 4,032 |
| Tier 1 risk-based capital ratio | 11.4088% | 5,753 |
| Total risk-based capital ratio | 12.6605% | 5,730 |
| Memoranda: | ||
| Average total assets | $18,534,500 | 7,763 |
| Average earning assets | $17,147,500 | 7,727 |
| Average equity | $1,766,000 | 7,796 |
| Average total loans | $9,804,000 | 7,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 6,414 |
| Cost of funding earning assets | 2.0877% | 2,523 |
| Net interest margin | 2.9180% | 6,826 |
| Noninterest income to average assets | 0.3950% | 5,245 |
| Noninterest expense to average assets | 2.6925% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3227% | 4,442 |
| Return on assets (ROA) | 0.3227% | 4,529 |
| Pretax return on assets | 0.4005% | 4,499 |
| Return on Equity (ROE) | 3.2865% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.2865% | 2,867 |
| Net charge-offs to loans | -0.0216% | 7,793 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0504% | 1,985 |
| Assets per employee ($millions) | 3.0893% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2616% | 1,548 |
| Loan loss allowance to noncurrent loans | 68.8474% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7318% | 3,775 |
| Noncurrent loans to loans | 3.2849% | 2,326 |
| Net loans and leases to total assets | 51.5268% | 6,481 |
| Net loans and leases to deposits | 57.3152% | 6,825 |
| Net loans and leases to core deposits | 79.4460% | 6,150 |
| Total domestic deposits to total assets | 89.9007% | 1,013 |
| Equity capital to assets | 9.6137% | 4,254 |
| Core capital (leverage) ratio | 9.5560% | 3,654 |
| Tier 1 risk-based capital ratio | 11.8131% | 5,098 |
| Total risk-based capital ratio | 13.0660% | 5,067 |
| Memoranda: | ||
| Average total assets | $17,975,600 | 7,827 |
| Average earning assets | $16,621,200 | 7,804 |
| Average equity | $1,764,800 | 7,883 |
| Average total loans | $9,280,200 | 7,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 6,161 |
| Cost of funding earning assets | 2.1213% | 2,796 |
| Net interest margin | 3.0119% | 6,573 |
| Noninterest income to average assets | 0.3887% | 5,399 |
| Noninterest expense to average assets | 2.4669% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5831% | 3,661 |
| Return on assets (ROA) | 0.5831% | 3,734 |
| Pretax return on assets | 0.7027% | 3,850 |
| Return on Equity (ROE) | 5.9074% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.9074% | 1,998 |
| Net charge-offs to loans | -0.0145% | 7,726 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8302% | 3,190 |
| Assets per employee ($millions) | 3.1078% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 1,354 |
| Loan loss allowance to noncurrent loans | 111.6751% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 4,966 |
| Noncurrent loans to loans | 2.0121% | 3,625 |
| Net loans and leases to total assets | 51.3273% | 6,673 |
| Net loans and leases to deposits | 57.1881% | 7,016 |
| Net loans and leases to core deposits | 78.9166% | 6,427 |
| Total domestic deposits to total assets | 89.7517% | 866 |
| Equity capital to assets | 9.6691% | 4,535 |
| Core capital (leverage) ratio | 9.8244% | 3,490 |
| Tier 1 risk-based capital ratio | 12.0543% | 4,924 |
| Total risk-based capital ratio | 13.3052% | 4,862 |
| Memoranda: | ||
| Average total assets | $17,835,500 | 7,912 |
| Average earning assets | $16,467,500 | 7,884 |
| Average equity | $1,760,500 | 7,967 |
| Average total loans | $9,157,250 | 7,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 5,790 |
| Cost of funding earning assets | 2.1528% | 3,030 |
| Net interest margin | 3.1178% | 6,181 |
| Noninterest income to average assets | 0.3757% | 5,501 |
| Noninterest expense to average assets | 2.6075% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5352% | 3,959 |
| Return on assets (ROA) | 0.5352% | 4,061 |
| Pretax return on assets | 0.6376% | 4,208 |
| Return on Equity (ROE) | 5.3827% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.3827% | 2,300 |
| Net charge-offs to loans | -0.0224% | 7,720 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3509% | 2,988 |
| Assets per employee ($millions) | 2.9498% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 1,165 |
| Loan loss allowance to noncurrent loans | 111.6751% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 4,729 |
| Noncurrent loans to loans | 2.0170% | 3,493 |
| Net loans and leases to total assets | 53.9409% | 6,461 |
| Net loans and leases to deposits | 60.3438% | 6,859 |
| Net loans and leases to core deposits | 79.2940% | 6,467 |
| Total domestic deposits to total assets | 89.3892% | 1,086 |
| Equity capital to assets | 9.9893% | 3,954 |
| Core capital (leverage) ratio | 10.2673% | 3,023 |
| Tier 1 risk-based capital ratio | 12.5674% | 4,467 |
| Total risk-based capital ratio | 13.8234% | 4,385 |
| Memoranda: | ||
| Average total assets | $17,565,000 | 7,999 |
| Average earning assets | $16,165,000 | 7,970 |
| Average equity | $1,746,330 | 8,054 |
| Average total loans | $8,946,000 | 7,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 5,779 |
| Cost of funding earning assets | 2.1451% | 3,438 |
| Net interest margin | 3.1807% | 5,923 |
| Noninterest income to average assets | 0.3658% | 5,508 |
| Noninterest expense to average assets | 2.6746% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5258% | 4,311 |
| Return on assets (ROA) | 0.5258% | 4,498 |
| Pretax return on assets | 0.6401% | 4,619 |
| Return on Equity (ROE) | 5.3011% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.3011% | 2,960 |
| Net charge-offs to loans | -0.0469% | 7,678 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6897% | 2,710 |
| Assets per employee ($millions) | 2.8868% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4597% | 795 |
| Loan loss allowance to noncurrent loans | 103.2864% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 4,225 |
| Noncurrent loans to loans | 2.3815% | 2,763 |
| Net loans and leases to total assets | 50.3666% | 6,829 |
| Net loans and leases to deposits | 56.4222% | 7,140 |
| Net loans and leases to core deposits | 75.3303% | 6,724 |
| Total domestic deposits to total assets | 89.2674% | 1,114 |
| Equity capital to assets | 10.0860% | 3,895 |
| Core capital (leverage) ratio | 10.1012% | 3,286 |
| Tier 1 risk-based capital ratio | 12.3769% | 4,637 |
| Total risk-based capital ratio | 13.6309% | 4,558 |
| Memoranda: | ||
| Average total assets | $17,498,000 | 8,049 |
| Average earning assets | $16,223,000 | 8,021 |
| Average equity | $1,735,500 | 8,106 |
| Average total loans | $8,535,500 | 7,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 7,569 |
| Cost of funding earning assets | 2.8696% | 2,394 |
| Net interest margin | 2.4579% | 7,800 |
| Noninterest income to average assets | 0.4368% | 5,154 |
| Noninterest expense to average assets | 2.3029% | 6,694 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3517% | 5,347 |
| Return on assets (ROA) | 0.3517% | 5,157 |
| Pretax return on assets | 0.4368% | 5,163 |
| Return on Equity (ROE) | 3.6325% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.1678% | 3,876 |
| Net charge-offs to loans | 0.2761% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.3478% | 4,408 |
| Efficiency ratio | 84.0580% | 2,049 |
| Assets per employee ($millions) | 2.9458% | 6,182 |
| Cash dividends to net income (ytd only)* | 40.3226% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6947% | 562 |
| Loan loss allowance to noncurrent loans | 91.6318% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 3,504 |
| Noncurrent loans to loans | 2.9408% | 1,826 |
| Net loans and leases to total assets | 44.7412% | 7,420 |
| Net loans and leases to deposits | 49.9148% | 7,631 |
| Net loans and leases to core deposits | 66.6610% | 7,341 |
| Total domestic deposits to total assets | 89.6351% | 790 |
| Equity capital to assets | 9.7539% | 4,361 |
| Core capital (leverage) ratio | 9.7533% | 3,711 |
| Tier 1 risk-based capital ratio | 13.0241% | 4,095 |
| Total risk-based capital ratio | 14.2782% | 4,005 |
| Memoranda: | ||
| Average total assets | $17,629,600 | 8,087 |
| Average earning assets | $16,518,000 | 8,054 |
| Average equity | $1,706,800 | 8,182 |
| Average total loans | $8,330,600 | 8,017 |