Home > Peoples State Bank of Madison Lake > Performance and Condition Ratios
Peoples State Bank of Madison Lake, Performance and Condition Ratios
| 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 | 4.2389% | 2,423 |
| Cost of funding earning assets | 0.3662% | 3,523 |
| Net interest margin | 3.8727% | 2,123 |
| Noninterest income to average assets | 0.4330% | 3,798 |
| Noninterest expense to average assets | 3.5714% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1243% | 5,722 |
| Return on assets (ROA) | 0.1243% | 5,769 |
| Pretax return on assets | 0.1715% | 5,723 |
| Return on Equity (ROE) | 1.4573% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.4573% | 4,898 |
| Net charge-offs to loans | 0.2468% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 4,134 |
| Efficiency ratio | 95.4181% | 425 |
| Assets per employee ($millions) | 3.5233% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 3,279 |
| Loan loss allowance to noncurrent loans | 85.6436% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 2,626 |
| Noncurrent loans to loans | 1.4412% | 1,620 |
| Net loans and leases to total assets | 56.1286% | 4,289 |
| Net loans and leases to deposits | 61.1791% | 4,691 |
| Net loans and leases to core deposits | 62.5616% | 4,841 |
| Total domestic deposits to total assets | 91.7447% | 139 |
| Equity capital to assets | 8.0931% | 5,816 |
| Core capital (leverage) ratio | 8.4288% | 5,491 |
| Tier 1 risk-based capital ratio | 12.8864% | 4,395 |
| Total risk-based capital ratio | 14.0005% | 4,384 |
| Memoranda: | ||
| Average total assets | $23,324,000 | 6,055 |
| Average earning assets | $19,934,600 | 6,061 |
| Average equity | $1,990,000 | 6,098 |
| Average total loans | $14,181,400 | 5,919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,231 |
| Cost of funding earning assets | 0.3736% | 3,506 |
| Net interest margin | 3.9263% | 1,946 |
| Noninterest income to average assets | 0.4466% | 3,743 |
| Noninterest expense to average assets | 3.5784% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1740% | 5,724 |
| Return on assets (ROA) | 0.1740% | 5,779 |
| Pretax return on assets | 0.2204% | 5,762 |
| Return on Equity (ROE) | 2.0116% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.0116% | 4,876 |
| Net charge-offs to loans | 0.2343% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.5203% | 3,818 |
| Efficiency ratio | 94.1985% | 483 |
| Assets per employee ($millions) | 3.2731% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,091 |
| Loan loss allowance to noncurrent loans | 83.1818% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 2,451 |
| Noncurrent loans to loans | 1.5627% | 1,598 |
| Net loans and leases to total assets | 60.6451% | 3,789 |
| Net loans and leases to deposits | 66.5629% | 4,326 |
| Net loans and leases to core deposits | 68.1963% | 4,526 |
| Total domestic deposits to total assets | 91.1095% | 223 |
| Equity capital to assets | 8.7465% | 5,539 |
| Core capital (leverage) ratio | 8.7798% | 5,259 |
| Tier 1 risk-based capital ratio | 13.1662% | 4,341 |
| Total risk-based capital ratio | 14.3734% | 4,283 |
| Memoranda: | ||
| Average total assets | $22,989,250 | 6,144 |
| Average earning assets | $19,628,000 | 6,147 |
| Average equity | $1,988,500 | 6,183 |
| Average total loans | $14,222,750 | 5,992 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,197 |
| Cost of funding earning assets | 0.3873% | 3,402 |
| Net interest margin | 3.9036% | 1,962 |
| Noninterest income to average assets | 0.4345% | 3,817 |
| Noninterest expense to average assets | 3.5542% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2086% | 5,673 |
| Return on assets (ROA) | 0.2086% | 5,740 |
| Pretax return on assets | 0.2086% | 5,801 |
| Return on Equity (ROE) | 2.4202% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.4202% | 4,510 |
| Net charge-offs to loans | 0.2803% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 3,561 |
| Efficiency ratio | 94.4573% | 499 |
| Assets per employee ($millions) | 3.2156% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 3,191 |
| Loan loss allowance to noncurrent loans | 66.4311% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 1,993 |
| Noncurrent loans to loans | 1.9723% | 1,250 |
| Net loans and leases to total assets | 62.9126% | 3,425 |
| Net loans and leases to deposits | 69.1489% | 4,023 |
| Net loans and leases to core deposits | 69.1489% | 4,397 |
| Total domestic deposits to total assets | 90.9814% | 294 |
| Equity capital to assets | 8.8764% | 5,365 |
| Core capital (leverage) ratio | 8.8238% | 5,196 |
| Tier 1 risk-based capital ratio | 13.5214% | 4,204 |
| Total risk-based capital ratio | 14.7691% | 4,143 |
| Memoranda: | ||
| Average total assets | $23,015,000 | 6,217 |
| Average earning assets | $19,622,670 | 6,222 |
| Average equity | $1,983,330 | 6,256 |
| Average total loans | $14,271,000 | 6,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,442 |
| Cost of funding earning assets | 0.4023% | 3,278 |
| Net interest margin | 3.8016% | 2,229 |
| Noninterest income to average assets | 0.3954% | 4,043 |
| Noninterest expense to average assets | 3.7476% | 936 |
| Loan and lease loss provision to assets | 0.0172% | 3,498 |
| Net operating income to assets | -0.1203% | 6,111 |
| Return on assets (ROA) | -0.1203% | 6,135 |
| Pretax return on assets | -0.1203% | 6,127 |
| Return on Equity (ROE) | -1.4170% | 6,147 |
| Retained earnings to average equity (ytd only) | -1.4170% | 5,604 |
| Net charge-offs to loans | 0.0562% | 2,203 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 3,217 |
| Efficiency ratio | 102.8302% | 293 |
| Assets per employee ($millions) | 3.2606% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 2,619 |
| Loan loss allowance to noncurrent loans | 53.3505% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 1,472 |
| Noncurrent loans to loans | 2.7372% | 859 |
| Net loans and leases to total assets | 61.1987% | 3,493 |
| Net loans and leases to deposits | 67.1248% | 4,041 |
| Net loans and leases to core deposits | 68.2164% | 4,309 |
| Total domestic deposits to total assets | 91.1716% | 299 |
| Equity capital to assets | 8.6444% | 5,616 |
| Core capital (leverage) ratio | 8.5653% | 5,456 |
| Tier 1 risk-based capital ratio | 13.3265% | 4,416 |
| Total risk-based capital ratio | 14.5621% | 4,341 |
| Memoranda: | ||
| Average total assets | $23,268,000 | 6,278 |
| Average earning assets | $19,886,500 | 6,284 |
| Average equity | $1,976,000 | 6,318 |
| Average total loans | $14,232,000 | 6,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,853 |
| Cost of funding earning assets | 0.4459% | 3,211 |
| Net interest margin | 3.7829% | 2,685 |
| Noninterest income to average assets | 0.5526% | 3,161 |
| Noninterest expense to average assets | 3.6613% | 1,207 |
| Loan and lease loss provision to assets | 0.1308% | 2,004 |
| Net operating income to assets | 0.0169% | 6,067 |
| Return on assets (ROA) | 0.0211% | 6,086 |
| Pretax return on assets | 0.0211% | 6,072 |
| Return on Equity (ROE) | 0.2544% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.2544% | 5,666 |
| Net charge-offs to loans | 0.4980% | 826 |
| Credit loss provision to net charge-offs | 46.2687% | 3,564 |
| Earnings coverage of net charge-offs (x) | 0.5224% | 4,624 |
| Efficiency ratio | 96.1240% | 498 |
| Assets per employee ($millions) | 3.3874% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,666 |
| Loan loss allowance to noncurrent loans | 47.1655% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 1,391 |
| Noncurrent loans to loans | 3.0863% | 722 |
| Net loans and leases to total assets | 59.3834% | 3,861 |
| Net loans and leases to deposits | 64.9103% | 4,440 |
| Net loans and leases to core deposits | 65.9161% | 4,674 |
| Total domestic deposits to total assets | 91.4853% | 231 |
| Equity capital to assets | 8.3460% | 5,865 |
| Core capital (leverage) ratio | 8.2757% | 5,793 |
| Tier 1 risk-based capital ratio | 12.8669% | 4,812 |
| Total risk-based capital ratio | 14.1182% | 4,727 |
| Memoranda: | ||
| Average total assets | $23,707,400 | 6,358 |
| Average earning assets | $20,407,800 | 6,362 |
| Average equity | $1,965,600 | 6,408 |
| Average total loans | $13,454,400 | 6,215 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,919 |
| Cost of funding earning assets | 0.4631% | 3,121 |
| Net interest margin | 3.7575% | 2,782 |
| Noninterest income to average assets | 0.6018% | 2,856 |
| Noninterest expense to average assets | 3.8301% | 931 |
| Loan and lease loss provision to assets | 0.1743% | 1,408 |
| Net operating income to assets | -0.1631% | 6,254 |
| Return on assets (ROA) | -0.1631% | 6,260 |
| Pretax return on assets | -0.1631% | 6,242 |
| Return on Equity (ROE) | -1.9707% | 6,282 |
| Retained earnings to average equity (ytd only) | -1.9707% | 6,070 |
| Net charge-offs to loans | 0.6744% | 521 |
| Credit loss provision to net charge-offs | 46.2687% | 3,169 |
| Earnings coverage of net charge-offs (x) | 0.0299% | 4,443 |
| Efficiency ratio | 99.7072% | 378 |
| Assets per employee ($millions) | 3.4374% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 2,682 |
| Loan loss allowance to noncurrent loans | 73.4982% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 2,598 |
| Noncurrent loans to loans | 2.0481% | 1,531 |
| Net loans and leases to total assets | 56.5622% | 4,260 |
| Net loans and leases to deposits | 61.7290% | 4,769 |
| Net loans and leases to core deposits | 62.6640% | 4,989 |
| Total domestic deposits to total assets | 91.6300% | 209 |
| Equity capital to assets | 8.0833% | 6,091 |
| Core capital (leverage) ratio | 8.2155% | 5,914 |
| Tier 1 risk-based capital ratio | 12.6744% | 5,053 |
| Total risk-based capital ratio | 13.9255% | 4,965 |
| Memoranda: | ||
| Average total assets | $23,706,250 | 6,437 |
| Average earning assets | $20,438,500 | 6,437 |
| Average equity | $1,962,250 | 6,483 |
| Average total loans | $13,245,750 | 6,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 2,791 |
| Cost of funding earning assets | 0.4813% | 3,012 |
| Net interest margin | 3.7618% | 2,706 |
| Noninterest income to average assets | 0.7038% | 2,259 |
| Noninterest expense to average assets | 3.8579% | 898 |
| Loan and lease loss provision to assets | 0.2628% | 800 |
| Net operating income to assets | -0.1696% | 6,296 |
| Return on assets (ROA) | -0.1696% | 6,311 |
| Pretax return on assets | -0.1696% | 6,295 |
| Return on Equity (ROE) | -2.0325% | 6,334 |
| Retained earnings to average equity (ytd only) | -2.0325% | 5,995 |
| Net charge-offs to loans | 1.0111% | 353 |
| Credit loss provision to net charge-offs | 46.9697% | 2,838 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,100 |
| Efficiency ratio | 97.6395% | 483 |
| Assets per employee ($millions) | 3.3340% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 2,535 |
| Loan loss allowance to noncurrent loans | 89.6996% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 3,064 |
| Noncurrent loans to loans | 1.7629% | 1,957 |
| Net loans and leases to total assets | 55.7374% | 4,320 |
| Net loans and leases to deposits | 61.0045% | 4,784 |
| Net loans and leases to core deposits | 61.0045% | 5,050 |
| Total domestic deposits to total assets | 91.3660% | 290 |
| Equity capital to assets | 8.4026% | 5,880 |
| Core capital (leverage) ratio | 8.3020% | 5,844 |
| Tier 1 risk-based capital ratio | 13.3370% | 4,698 |
| Total risk-based capital ratio | 14.5925% | 4,633 |
| Memoranda: | ||
| Average total assets | $23,587,670 | 6,503 |
| Average earning assets | $20,362,670 | 6,504 |
| Average equity | $1,968,000 | 6,540 |
| Average total loans | $13,055,000 | 6,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,892 |
| Cost of funding earning assets | 0.5074% | 2,824 |
| Net interest margin | 3.6886% | 2,912 |
| Noninterest income to average assets | 0.7085% | 2,133 |
| Noninterest expense to average assets | 3.7955% | 989 |
| Loan and lease loss provision to assets | 0.5229% | 273 |
| Net operating income to assets | -0.4386% | 6,450 |
| Return on assets (ROA) | -0.4386% | 6,453 |
| Pretax return on assets | -0.4217% | 6,434 |
| Return on Equity (ROE) | -5.2752% | 6,476 |
| Retained earnings to average equity (ytd only) | -5.2752% | 6,140 |
| Net charge-offs to loans | 1.9115% | 141 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 0.0968% | 3,419 |
| Efficiency ratio | 97.4026% | 571 |
| Assets per employee ($millions) | 3.4183% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 2,426 |
| Loan loss allowance to noncurrent loans | 91.8103% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 3,319 |
| Noncurrent loans to loans | 1.8269% | 2,103 |
| Net loans and leases to total assets | 52.1815% | 4,651 |
| Net loans and leases to deposits | 56.9851% | 5,034 |
| Net loans and leases to core deposits | 56.9851% | 5,284 |
| Total domestic deposits to total assets | 91.5705% | 359 |
| Equity capital to assets | 8.1871% | 5,914 |
| Core capital (leverage) ratio | 8.1701% | 5,977 |
| Tier 1 risk-based capital ratio | 13.8967% | 4,395 |
| Total risk-based capital ratio | 15.1509% | 4,340 |
| Memoranda: | ||
| Average total assets | $23,712,500 | 6,569 |
| Average earning assets | $20,495,500 | 6,570 |
| Average equity | $1,971,500 | 6,604 |
| Average total loans | $12,974,000 | 6,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 1,773 |
| Cost of funding earning assets | 0.6412% | 2,286 |
| Net interest margin | 3.9895% | 1,978 |
| Noninterest income to average assets | 0.7113% | 2,475 |
| Noninterest expense to average assets | 3.7865% | 1,162 |
| Loan and lease loss provision to assets | 0.1822% | 2,024 |
| Net operating income to assets | 0.0954% | 6,054 |
| Return on assets (ROA) | 0.0954% | 6,104 |
| Pretax return on assets | 0.1431% | 6,022 |
| Return on Equity (ROE) | 1.1092% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.1092% | 5,332 |
| Net charge-offs to loans | 0.6332% | 1,032 |
| Credit loss provision to net charge-offs | 48.8372% | 3,843 |
| Earnings coverage of net charge-offs (x) | 0.8721% | 4,796 |
| Efficiency ratio | 92.0886% | 874 |
| Assets per employee ($millions) | 3.3567% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,942 |
| Loan loss allowance to noncurrent loans | 110.4072% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 3,552 |
| Noncurrent loans to loans | 1.6681% | 2,405 |
| Net loans and leases to total assets | 55.3475% | 4,409 |
| Net loans and leases to deposits | 60.6237% | 4,878 |
| Net loans and leases to core deposits | 60.6237% | 5,172 |
| Total domestic deposits to total assets | 91.2968% | 469 |
| Equity capital to assets | 8.4436% | 5,644 |
| Core capital (leverage) ratio | 8.4353% | 5,736 |
| Tier 1 risk-based capital ratio | 13.9172% | 4,348 |
| Total risk-based capital ratio | 15.1715% | 4,285 |
| Memoranda: | ||
| Average total assets | $23,055,600 | 6,659 |
| Average earning assets | $19,651,400 | 6,662 |
| Average equity | $1,983,400 | 6,689 |
| Average total loans | $13,582,400 | 6,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 1,609 |
| Cost of funding earning assets | 0.6767% | 2,124 |
| Net interest margin | 4.0190% | 1,880 |
| Noninterest income to average assets | 0.7147% | 2,533 |
| Noninterest expense to average assets | 3.8351% | 1,042 |
| Loan and lease loss provision to assets | 0.1511% | 2,381 |
| Net operating income to assets | 0.1104% | 6,118 |
| Return on assets (ROA) | 0.1104% | 6,186 |
| Pretax return on assets | 0.1453% | 6,147 |
| Return on Equity (ROE) | 1.2772% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.2772% | 5,473 |
| Net charge-offs to loans | 0.4001% | 1,604 |
| Credit loss provision to net charge-offs | 63.4146% | 3,218 |
| Earnings coverage of net charge-offs (x) | 1.2438% | 4,426 |
| Efficiency ratio | 92.8270% | 798 |
| Assets per employee ($millions) | 3.2646% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,853 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 3,266 |
| Noncurrent loans to loans | 1.9497% | 2,308 |
| Net loans and leases to total assets | 60.0779% | 3,684 |
| Net loans and leases to deposits | 66.0016% | 4,307 |
| Net loans and leases to core deposits | 66.9675% | 4,625 |
| Total domestic deposits to total assets | 91.0249% | 522 |
| Equity capital to assets | 8.7126% | 5,505 |
| Core capital (leverage) ratio | 8.5636% | 5,707 |
| Tier 1 risk-based capital ratio | 13.3442% | 4,876 |
| Total risk-based capital ratio | 14.6025% | 4,803 |
| Memoranda: | ||
| Average total assets | $22,945,250 | 6,735 |
| Average earning assets | $19,506,750 | 6,741 |
| Average equity | $1,983,250 | 6,772 |
| Average total loans | $13,665,750 | 6,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,619 |
| Cost of funding earning assets | 0.7086% | 2,013 |
| Net interest margin | 3.9741% | 1,951 |
| Noninterest income to average assets | 0.7312% | 2,498 |
| Noninterest expense to average assets | 3.9171% | 960 |
| Loan and lease loss provision to assets | 0.2176% | 1,743 |
| Net operating income to assets | -0.0348% | 6,340 |
| Return on assets (ROA) | -0.0348% | 6,393 |
| Pretax return on assets | -0.0348% | 6,383 |
| Return on Equity (ROE) | -0.4039% | 6,403 |
| Retained earnings to average equity (ytd only) | -0.4039% | 5,932 |
| Net charge-offs to loans | 0.6345% | 1,037 |
| Credit loss provision to net charge-offs | 58.1395% | 3,053 |
| Earnings coverage of net charge-offs (x) | 0.4884% | 4,371 |
| Efficiency ratio | 95.5414% | 678 |
| Assets per employee ($millions) | 3.2077% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 1,830 |
| Loan loss allowance to noncurrent loans | 63.2319% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.8458% | 1,446 |
| Noncurrent loans to loans | 3.1778% | 1,383 |
| Net loans and leases to total assets | 58.6399% | 3,881 |
| Net loans and leases to deposits | 66.4362% | 4,212 |
| Net loans and leases to core deposits | 66.4362% | 4,647 |
| Total domestic deposits to total assets | 88.2649% | 2,065 |
| Equity capital to assets | 8.7735% | 5,472 |
| Core capital (leverage) ratio | 8.5115% | 5,661 |
| Tier 1 risk-based capital ratio | 13.7703% | 4,587 |
| Total risk-based capital ratio | 15.0415% | 4,540 |
| Memoranda: | ||
| Average total assets | $22,976,330 | 6,783 |
| Average earning assets | $19,476,000 | 6,790 |
| Average equity | $1,980,670 | 6,820 |
| Average total loans | $13,553,670 | 6,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,717 |
| Cost of funding earning assets | 0.7292% | 1,997 |
| Net interest margin | 3.9094% | 2,089 |
| Noninterest income to average assets | 0.6713% | 2,751 |
| Noninterest expense to average assets | 3.9591% | 932 |
| Loan and lease loss provision to assets | 0.4303% | 691 |
| Net operating income to assets | -0.3959% | 6,625 |
| Return on assets (ROA) | -0.3959% | 6,659 |
| Pretax return on assets | -0.3959% | 6,636 |
| Return on Equity (ROE) | -4.6324% | 6,681 |
| Retained earnings to average equity (ytd only) | -4.6324% | 6,338 |
| Net charge-offs to loans | 1.2636% | 449 |
| Credit loss provision to net charge-offs | 58.1395% | 2,480 |
| Earnings coverage of net charge-offs (x) | 0.0465% | 3,809 |
| Efficiency ratio | 99.1379% | 576 |
| Assets per employee ($millions) | 3.2897% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 1,957 |
| Loan loss allowance to noncurrent loans | 58.5683% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 3.1440% | 1,399 |
| Noncurrent loans to loans | 3.4711% | 1,385 |
| Net loans and leases to total assets | 56.5008% | 4,010 |
| Net loans and leases to deposits | 61.9483% | 4,558 |
| Net loans and leases to core deposits | 61.9483% | 4,958 |
| Total domestic deposits to total assets | 91.2064% | 440 |
| Equity capital to assets | 8.5027% | 6,017 |
| Core capital (leverage) ratio | 8.1497% | 5,991 |
| Tier 1 risk-based capital ratio | 13.5743% | 4,817 |
| Total risk-based capital ratio | 14.8263% | 4,774 |
| Memoranda: | ||
| Average total assets | $23,237,500 | 6,853 |
| Average earning assets | $19,747,500 | 6,858 |
| Average equity | $1,986,000 | 6,882 |
| Average total loans | $13,612,000 | 6,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,376 |
| Cost of funding earning assets | 0.9656% | 1,553 |
| Net interest margin | 3.7910% | 3,265 |
| Noninterest income to average assets | 0.6872% | 2,788 |
| Noninterest expense to average assets | 3.6968% | 1,423 |
| Loan and lease loss provision to assets | 0.0478% | 5,227 |
| Net operating income to assets | 0.1696% | 5,842 |
| Return on assets (ROA) | 0.1696% | 6,015 |
| Pretax return on assets | 0.1696% | 6,038 |
| Return on Equity (ROE) | 2.0432% | 5,886 |
| Retained earnings to average equity (ytd only) | 2.0432% | 4,787 |
| Net charge-offs to loans | 1.4711% | 615 |
| Credit loss provision to net charge-offs | 5.6410% | 5,443 |
| Earnings coverage of net charge-offs (x) | 0.2564% | 5,347 |
| Efficiency ratio | 94.4444% | 778 |
| Assets per employee ($millions) | 3.3496% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 1,844 |
| Loan loss allowance to noncurrent loans | 56.9170% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.2371% | 1,429 |
| Noncurrent loans to loans | 3.6291% | 1,351 |
| Net loans and leases to total assets | 58.2377% | 3,931 |
| Net loans and leases to deposits | 63.7935% | 4,559 |
| Net loans and leases to core deposits | 63.7935% | 4,979 |
| Total domestic deposits to total assets | 91.2910% | 400 |
| Equity capital to assets | 8.5896% | 5,974 |
| Core capital (leverage) ratio | 8.2712% | 5,917 |
| Tier 1 risk-based capital ratio | 12.5932% | 5,402 |
| Total risk-based capital ratio | 13.7475% | 5,432 |
| Memoranda: | ||
| Average total assets | $22,992,800 | 6,911 |
| Average earning assets | $19,572,600 | 6,915 |
| Average equity | $1,908,800 | 6,963 |
| Average total loans | $13,255,400 | 6,724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 2,626 |
| Cost of funding earning assets | 0.9985% | 1,566 |
| Net interest margin | 3.7410% | 3,604 |
| Noninterest income to average assets | 0.6818% | 2,807 |
| Noninterest expense to average assets | 3.7063% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1632% | 6,004 |
| Return on assets (ROA) | 0.1632% | 6,153 |
| Pretax return on assets | 0.1632% | 6,181 |
| Return on Equity (ROE) | 1.9830% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.9830% | 5,331 |
| Net charge-offs to loans | 1.7936% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1591% | 5,252 |
| Efficiency ratio | 95.7831% | 687 |
| Assets per employee ($millions) | 3.4084% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 1,685 |
| Loan loss allowance to noncurrent loans | 50.5119% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.6464% | 1,363 |
| Noncurrent loans to loans | 4.3820% | 1,094 |
| Net loans and leases to total assets | 54.8095% | 4,619 |
| Net loans and leases to deposits | 59.9258% | 5,217 |
| Net loans and leases to core deposits | 59.9258% | 5,567 |
| Total domestic deposits to total assets | 91.4623% | 297 |
| Equity capital to assets | 8.4245% | 6,325 |
| Core capital (leverage) ratio | 8.0964% | 6,234 |
| Tier 1 risk-based capital ratio | 12.9824% | 5,268 |
| Total risk-based capital ratio | 14.2396% | 5,227 |
| Memoranda: | ||
| Average total assets | $22,879,250 | 7,003 |
| Average earning assets | $19,495,250 | 7,006 |
| Average equity | $1,882,500 | 7,063 |
| Average total loans | $13,083,500 | 6,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 2,353 |
| Cost of funding earning assets | 1.0506% | 1,468 |
| Net interest margin | 3.7862% | 3,428 |
| Noninterest income to average assets | 0.7183% | 2,562 |
| Noninterest expense to average assets | 3.7424% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2040% | 5,902 |
| Return on assets (ROA) | 0.2040% | 6,089 |
| Pretax return on assets | 0.2040% | 6,142 |
| Return on Equity (ROE) | 2.5000% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.5000% | 4,940 |
| Net charge-offs to loans | 2.7104% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1307% | 5,011 |
| Efficiency ratio | 94.8315% | 765 |
| Assets per employee ($millions) | 3.3134% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 1,608 |
| Loan loss allowance to noncurrent loans | 40.7713% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.3931% | 1,580 |
| Noncurrent loans to loans | 5.6131% | 825 |
| Net loans and leases to total assets | 54.4882% | 4,710 |
| Net loans and leases to deposits | 59.2721% | 5,307 |
| Net loans and leases to core deposits | 59.2721% | 5,670 |
| Total domestic deposits to total assets | 91.9289% | 236 |
| Equity capital to assets | 7.9805% | 6,578 |
| Core capital (leverage) ratio | 7.9533% | 6,317 |
| Tier 1 risk-based capital ratio | 12.3197% | 5,709 |
| Total risk-based capital ratio | 13.5746% | 5,676 |
| Memoranda: | ||
| Average total assets | $22,552,670 | 7,065 |
| Average earning assets | $19,227,670 | 7,069 |
| Average equity | $1,840,000 | 7,117 |
| Average total loans | $12,987,000 | 6,884 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 2,451 |
| Cost of funding earning assets | 1.1220% | 1,287 |
| Net interest margin | 3.7259% | 3,709 |
| Noninterest income to average assets | 0.7197% | 2,556 |
| Noninterest expense to average assets | 3.7783% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1080% | 6,222 |
| Return on assets (ROA) | 0.1080% | 6,347 |
| Pretax return on assets | 0.1080% | 6,369 |
| Return on Equity (ROE) | 1.3083% | 6,285 |
| Retained earnings to average equity (ytd only) | 1.3083% | 5,574 |
| Net charge-offs to loans | 5.1946% | 85 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0355% | 4,350 |
| Efficiency ratio | 97.2222% | 673 |
| Assets per employee ($millions) | 3.2216% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,531 |
| Loan loss allowance to noncurrent loans | 38.0176% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 4.2481% | 1,281 |
| Noncurrent loans to loans | 6.2731% | 774 |
| Net loans and leases to total assets | 54.9953% | 4,555 |
| Net loans and leases to deposits | 59.9681% | 5,151 |
| Net loans and leases to core deposits | 59.9681% | 5,532 |
| Total domestic deposits to total assets | 91.7077% | 326 |
| Equity capital to assets | 8.1504% | 6,410 |
| Core capital (leverage) ratio | 7.9392% | 6,304 |
| Tier 1 risk-based capital ratio | 12.4206% | 5,671 |
| Total risk-based capital ratio | 13.6845% | 5,628 |
| Memoranda: | ||
| Average total assets | $22,232,000 | 7,132 |
| Average earning assets | $18,895,000 | 7,132 |
| Average equity | $1,834,500 | 7,174 |
| Average total loans | $13,013,500 | 6,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 2,368 |
| Cost of funding earning assets | 1.2802% | 1,577 |
| Net interest margin | 3.8407% | 3,624 |
| Noninterest income to average assets | 0.7000% | 2,604 |
| Noninterest expense to average assets | 3.7594% | 1,425 |
| Loan and lease loss provision to assets | 0.0648% | 5,800 |
| Net operating income to assets | 0.1556% | 5,717 |
| Return on assets (ROA) | 0.1556% | 5,857 |
| Pretax return on assets | 0.1556% | 5,876 |
| Return on Equity (ROE) | 2.2542% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.2542% | 4,605 |
| Net charge-offs to loans | 0.1966% | 4,570 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,362 |
| Efficiency ratio | 94.4625% | 893 |
| Assets per employee ($millions) | 3.1304% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5430% | 519 |
| Loan loss allowance to noncurrent loans | 58.7065% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.9474% | 1,455 |
| Noncurrent loans to loans | 6.0351% | 819 |
| Net loans and leases to total assets | 58.6410% | 4,255 |
| Net loans and leases to deposits | 64.0962% | 4,994 |
| Net loans and leases to core deposits | 64.0962% | 5,452 |
| Total domestic deposits to total assets | 91.4891% | 336 |
| Equity capital to assets | 8.3558% | 6,299 |
| Core capital (leverage) ratio | 8.1106% | 6,126 |
| Tier 1 risk-based capital ratio | 12.6396% | 5,340 |
| Total risk-based capital ratio | 13.9151% | 5,310 |
| Memoranda: | ||
| Average total assets | $23,142,000 | 7,144 |
| Average earning assets | $19,762,200 | 7,144 |
| Average equity | $1,597,000 | 7,274 |
| Average total loans | $13,735,400 | 6,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 2,484 |
| Cost of funding earning assets | 1.3233% | 1,579 |
| Net interest margin | 3.8036% | 3,864 |
| Noninterest income to average assets | 0.6994% | 2,612 |
| Noninterest expense to average assets | 3.7698% | 1,358 |
| Loan and lease loss provision to assets | 0.0796% | 5,451 |
| Net operating income to assets | 0.1023% | 5,960 |
| Return on assets (ROA) | 0.1023% | 6,073 |
| Pretax return on assets | 0.1023% | 6,088 |
| Return on Equity (ROE) | 1.5600% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.5600% | 5,356 |
| Net charge-offs to loans | 0.0193% | 5,883 |
| Credit loss provision to net charge-offs | 700.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 15.9813% | 1,427 |
| Efficiency ratio | 95.3957% | 852 |
| Assets per employee ($millions) | 3.0303% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6589% | 504 |
| Loan loss allowance to noncurrent loans | 72.3032% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.5216% | 1,790 |
| Noncurrent loans to loans | 5.0605% | 1,219 |
| Net loans and leases to total assets | 61.5689% | 3,822 |
| Net loans and leases to deposits | 66.9675% | 4,760 |
| Net loans and leases to core deposits | 66.9675% | 5,312 |
| Total domestic deposits to total assets | 91.9385% | 218 |
| Equity capital to assets | 7.8635% | 6,773 |
| Core capital (leverage) ratio | 7.2974% | 6,859 |
| Tier 1 risk-based capital ratio | 11.3636% | 6,323 |
| Total risk-based capital ratio | 12.6398% | 6,302 |
| Memoranda: | ||
| Average total assets | $23,449,250 | 7,211 |
| Average earning assets | $20,051,000 | 7,213 |
| Average equity | $1,538,500 | 7,359 |
| Average total loans | $13,838,750 | 7,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 3,381 |
| Cost of funding earning assets | 1.3207% | 1,819 |
| Net interest margin | 3.6344% | 4,581 |
| Noninterest income to average assets | 0.6861% | 2,623 |
| Noninterest expense to average assets | 3.8190% | 1,320 |
| Loan and lease loss provision to assets | 0.1157% | 4,833 |
| Net operating income to assets | -0.1323% | 6,392 |
| Return on assets (ROA) | -0.1323% | 6,434 |
| Pretax return on assets | -0.1323% | 6,391 |
| Return on Equity (ROE) | -2.1400% | 6,530 |
| Retained earnings to average equity (ytd only) | -2.1400% | 6,271 |
| Net charge-offs to loans | 0.0574% | 5,076 |
| Credit loss provision to net charge-offs | 350.0000% | 878 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,523 |
| Efficiency ratio | 100.4348% | 708 |
| Assets per employee ($millions) | 3.0404% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6167% | 552 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 1,970 |
| Noncurrent loans to loans | 4.7588% | 1,383 |
| Net loans and leases to total assets | 61.8569% | 3,913 |
| Net loans and leases to deposits | 67.0862% | 4,841 |
| Net loans and leases to core deposits | 67.0862% | 5,381 |
| Total domestic deposits to total assets | 92.2050% | 200 |
| Equity capital to assets | 7.5976% | 6,904 |
| Core capital (leverage) ratio | 6.6848% | 7,083 |
| Tier 1 risk-based capital ratio | 11.0423% | 6,493 |
| Total risk-based capital ratio | 12.3238% | 6,455 |
| Memoranda: | ||
| Average total assets | $24,195,000 | 7,259 |
| Average earning assets | $20,746,000 | 7,278 |
| Average equity | $1,495,330 | 7,437 |
| Average total loans | $13,933,000 | 7,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 4,480 |
| Cost of funding earning assets | 1.2676% | 2,377 |
| Net interest margin | 3.4405% | 5,259 |
| Noninterest income to average assets | 0.6549% | 2,809 |
| Noninterest expense to average assets | 3.5710% | 1,825 |
| Loan and lease loss provision to assets | 0.1715% | 3,919 |
| Net operating income to assets | -0.1248% | 6,482 |
| Return on assets (ROA) | -0.1248% | 6,500 |
| Pretax return on assets | -0.1248% | 6,469 |
| Return on Equity (ROE) | -2.2307% | 6,610 |
| Retained earnings to average equity (ytd only) | -2.2307% | 6,186 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7069% | 801 |
| Assets per employee ($millions) | 2.9626% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6634% | 535 |
| Loan loss allowance to noncurrent loans | 75.9202% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 3.2741% | 2,095 |
| Noncurrent loans to loans | 4.8253% | 1,409 |
| Net loans and leases to total assets | 54.9217% | 5,174 |
| Net loans and leases to deposits | 58.5718% | 5,871 |
| Net loans and leases to core deposits | 59.4167% | 6,147 |
| Total domestic deposits to total assets | 93.7682% | 87 |
| Equity capital to assets | 6.0293% | 7,284 |
| Core capital (leverage) ratio | 5.7550% | 7,288 |
| Tier 1 risk-based capital ratio | 10.1851% | 6,932 |
| Total risk-based capital ratio | 11.4645% | 6,922 |
| Memoranda: | ||
| Average total assets | $25,651,000 | 7,273 |
| Average earning assets | $22,089,500 | 7,294 |
| Average equity | $1,434,500 | 7,496 |
| Average total loans | $14,070,000 | 7,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 3,388 |
| Cost of funding earning assets | 1.4479% | 2,965 |
| Net interest margin | 3.7973% | 3,956 |
| Noninterest income to average assets | 0.6716% | 3,011 |
| Noninterest expense to average assets | 7.5255% | 130 |
| Loan and lease loss provision to assets | 1.8508% | 739 |
| Net operating income to assets | -5.5220% | 7,567 |
| Return on assets (ROA) | -5.5220% | 7,572 |
| Pretax return on assets | -5.5220% | 7,563 |
| Return on Equity (ROE) | -56.0809% | 7,458 |
| Retained earnings to average equity (ytd only) | -56.0809% | 7,455 |
| Net charge-offs to loans | 1.7327% | 1,250 |
| Credit loss provision to net charge-offs | 186.5385% | 1,749 |
| Earnings coverage of net charge-offs (x) | -3.7000% | 6,756 |
| Efficiency ratio | 105.8416% | 626 |
| Assets per employee ($millions) | 3.4501% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3087% | 676 |
| Loan loss allowance to noncurrent loans | 95.4635% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 2.2861% | 2,985 |
| Noncurrent loans to loans | 3.4660% | 2,183 |
| Net loans and leases to total assets | 51.2445% | 6,017 |
| Net loans and leases to deposits | 54.1874% | 6,595 |
| Net loans and leases to core deposits | 54.8472% | 6,762 |
| Total domestic deposits to total assets | 94.5690% | 70 |
| Equity capital to assets | 5.2172% | 7,420 |
| Core capital (leverage) ratio | 5.1718% | 7,400 |
| Tier 1 risk-based capital ratio | 9.5514% | 7,124 |
| Total risk-based capital ratio | 10.8245% | 7,127 |
| Memoranda: | ||
| Average total assets | $26,204,400 | 7,314 |
| Average earning assets | $21,963,200 | 7,350 |
| Average equity | $2,580,200 | 7,375 |
| Average total loans | $15,005,800 | 7,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 2,927 |
| Cost of funding earning assets | 1.4860% | 3,058 |
| Net interest margin | 3.9047% | 3,510 |
| Noninterest income to average assets | 0.6704% | 3,013 |
| Noninterest expense to average assets | 3.8263% | 1,328 |
| Loan and lease loss provision to assets | 0.4125% | 3,430 |
| Net operating income to assets | -0.3300% | 6,456 |
| Return on assets (ROA) | -0.3300% | 6,506 |
| Pretax return on assets | -0.3300% | 6,432 |
| Return on Equity (ROE) | -2.9781% | 6,488 |
| Retained earnings to average equity (ytd only) | -2.9781% | 6,347 |
| Net charge-offs to loans | 0.9448% | 2,104 |
| Credit loss provision to net charge-offs | 74.7664% | 5,292 |
| Earnings coverage of net charge-offs (x) | 0.1495% | 5,874 |
| Efficiency ratio | 97.8892% | 822 |
| Assets per employee ($millions) | 3.4936% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,783 |
| Loan loss allowance to noncurrent loans | 34.7305% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1808% | 2,259 |
| Noncurrent loans to loans | 4.4285% | 1,638 |
| Net loans and leases to total assets | 53.1396% | 5,967 |
| Net loans and leases to deposits | 59.3392% | 6,361 |
| Net loans and leases to core deposits | 60.0931% | 6,591 |
| Total domestic deposits to total assets | 89.5524% | 1,094 |
| Equity capital to assets | 10.2329% | 3,835 |
| Core capital (leverage) ratio | 7.0257% | 7,150 |
| Tier 1 risk-based capital ratio | 11.2394% | 6,145 |
| Total risk-based capital ratio | 12.4889% | 6,150 |
| Memoranda: | ||
| Average total assets | $25,855,250 | 7,415 |
| Average earning assets | $21,443,500 | 7,464 |
| Average equity | $2,865,250 | 7,409 |
| Average total loans | $15,100,250 | 7,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 1,655 |
| Cost of funding earning assets | 1.5409% | 3,010 |
| Net interest margin | 4.1892% | 2,188 |
| Noninterest income to average assets | 0.6757% | 2,841 |
| Noninterest expense to average assets | 4.0465% | 990 |
| Loan and lease loss provision to assets | 0.3975% | 3,337 |
| Net operating income to assets | -0.3100% | 6,482 |
| Return on assets (ROA) | -0.3100% | 6,525 |
| Pretax return on assets | -0.3100% | 6,439 |
| Return on Equity (ROE) | -2.7206% | 6,489 |
| Retained earnings to average equity (ytd only) | -2.7206% | 6,256 |
| Net charge-offs to loans | 0.1059% | 5,094 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 4,452 |
| Efficiency ratio | 97.8846% | 888 |
| Assets per employee ($millions) | 3.4490% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 2,107 |
| Loan loss allowance to noncurrent loans | 48.7055% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.0661% | 2,320 |
| Noncurrent loans to loans | 4.1762% | 1,785 |
| Net loans and leases to total assets | 52.5406% | 6,158 |
| Net loans and leases to deposits | 58.6804% | 6,526 |
| Net loans and leases to core deposits | 59.4310% | 6,748 |
| Total domestic deposits to total assets | 89.5368% | 1,156 |
| Equity capital to assets | 10.2965% | 3,654 |
| Core capital (leverage) ratio | 7.5542% | 6,777 |
| Tier 1 risk-based capital ratio | 11.6489% | 5,629 |
| Total risk-based capital ratio | 12.9089% | 5,584 |
| Memoranda: | ||
| Average total assets | $25,157,330 | 7,492 |
| Average earning assets | $20,767,670 | 7,537 |
| Average equity | $2,867,000 | 7,456 |
| Average total loans | $15,105,670 | 7,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 1,363 |
| Cost of funding earning assets | 1.6728% | 2,525 |
| Net interest margin | 4.1617% | 2,190 |
| Noninterest income to average assets | 0.6516% | 2,926 |
| Noninterest expense to average assets | 4.2272% | 780 |
| Loan and lease loss provision to assets | 0.3342% | 3,391 |
| Net operating income to assets | -0.5013% | 6,830 |
| Return on assets (ROA) | -0.5013% | 6,854 |
| Pretax return on assets | -0.5013% | 6,782 |
| Return on Equity (ROE) | -4.1667% | 6,835 |
| Retained earnings to average equity (ytd only) | -4.1667% | 6,519 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1152% | 726 |
| Assets per employee ($millions) | 2.9759% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,622 |
| Loan loss allowance to noncurrent loans | 33.9416% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 3.5578% | 1,971 |
| Noncurrent loans to loans | 5.4079% | 1,302 |
| Net loans and leases to total assets | 62.6748% | 4,616 |
| Net loans and leases to deposits | 71.3958% | 5,142 |
| Net loans and leases to core deposits | 72.4778% | 5,659 |
| Total domestic deposits to total assets | 87.7851% | 2,189 |
| Equity capital to assets | 12.0091% | 2,040 |
| Core capital (leverage) ratio | 8.5002% | 5,374 |
| Tier 1 risk-based capital ratio | 12.1716% | 5,019 |
| Total risk-based capital ratio | 13.4253% | 4,986 |
| Memoranda: | ||
| Average total assets | $23,940,000 | 7,627 |
| Average earning assets | $19,607,500 | 7,665 |
| Average equity | $2,880,000 | 7,531 |
| Average total loans | $15,259,500 | 7,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9237% | 2,146 |
| Cost of funding earning assets | 1.7274% | 4,369 |
| Net interest margin | 4.1964% | 2,074 |
| Noninterest income to average assets | 0.6494% | 3,296 |
| Noninterest expense to average assets | 4.4141% | 860 |
| Loan and lease loss provision to assets | 1.0111% | 2,259 |
| Net operating income to assets | -1.2412% | 6,730 |
| Return on assets (ROA) | -1.2412% | 6,734 |
| Pretax return on assets | -1.2412% | 6,567 |
| Return on Equity (ROE) | -9.7162% | 6,602 |
| Retained earnings to average equity (ytd only) | -12.7083% | 6,736 |
| Net charge-offs to loans | 1.0223% | 2,366 |
| Credit loss provision to net charge-offs | 159.7403% | 2,801 |
| Earnings coverage of net charge-offs (x) | -0.3636% | 6,594 |
| Efficiency ratio | 105.5010% | 918 |
| Assets per employee ($millions) | 3.0091% | 6,205 |
| Cash dividends to net income (ytd only)* | -30.7947% | 7,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 2,922 |
| Loan loss allowance to noncurrent loans | 29.6000% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 3.8342% | 1,737 |
| Noncurrent loans to loans | 5.7119% | 1,117 |
| Net loans and leases to total assets | 62.5597% | 4,892 |
| Net loans and leases to deposits | 71.3068% | 5,427 |
| Net loans and leases to core deposits | 79.9830% | 6,104 |
| Total domestic deposits to total assets | 87.7331% | 2,104 |
| Equity capital to assets | 12.0508% | 2,003 |
| Core capital (leverage) ratio | 8.5542% | 5,179 |
| Tier 1 risk-based capital ratio | 12.3195% | 4,661 |
| Total risk-based capital ratio | 13.5753% | 4,616 |
| Memoranda: | ||
| Average total assets | $24,331,000 | 7,657 |
| Average earning assets | $20,493,800 | 7,692 |
| Average equity | $3,108,200 | 7,562 |
| Average total loans | $15,064,800 | 7,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 2,310 |
| Cost of funding earning assets | 1.7454% | 4,665 |
| Net interest margin | 4.1864% | 2,108 |
| Noninterest income to average assets | 0.6231% | 3,538 |
| Noninterest expense to average assets | 4.5198% | 730 |
| Loan and lease loss provision to assets | 1.0439% | 1,841 |
| Net operating income to assets | -1.3882% | 7,062 |
| Return on assets (ROA) | -1.3882% | 7,054 |
| Pretax return on assets | -1.3882% | 6,908 |
| Return on Equity (ROE) | -10.7171% | 6,940 |
| Retained earnings to average equity (ytd only) | -14.6411% | 7,112 |
| Net charge-offs to loans | 0.5688% | 2,976 |
| Credit loss provision to net charge-offs | 298.4375% | 1,388 |
| Earnings coverage of net charge-offs (x) | -0.9844% | 6,626 |
| Efficiency ratio | 108.2461% | 802 |
| Assets per employee ($millions) | 2.9929% | 6,175 |
| Cash dividends to net income (ytd only)* | -36.6149% | 7,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 1,895 |
| Loan loss allowance to noncurrent loans | 32.3077% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 4.0972% | 1,545 |
| Noncurrent loans to loans | 6.0602% | 971 |
| Net loans and leases to total assets | 61.4877% | 5,326 |
| Net loans and leases to deposits | 70.4065% | 5,859 |
| Net loans and leases to core deposits | 77.7790% | 6,512 |
| Total domestic deposits to total assets | 87.3324% | 1,993 |
| Equity capital to assets | 12.3794% | 2,012 |
| Core capital (leverage) ratio | 8.4671% | 5,549 |
| Tier 1 risk-based capital ratio | 13.0378% | 4,168 |
| Total risk-based capital ratio | 14.2968% | 4,094 |
| Memoranda: | ||
| Average total assets | $24,395,500 | 7,733 |
| Average earning assets | $20,701,750 | 7,764 |
| Average equity | $3,160,000 | 7,615 |
| Average total loans | $15,001,250 | 7,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9441% | 2,406 |
| Cost of funding earning assets | 1.7471% | 5,031 |
| Net interest margin | 4.1969% | 2,015 |
| Noninterest income to average assets | 0.5541% | 4,003 |
| Noninterest expense to average assets | 4.5139% | 770 |
| Loan and lease loss provision to assets | 0.5948% | 2,663 |
| Net operating income to assets | -0.9533% | 6,940 |
| Return on assets (ROA) | -0.9533% | 6,944 |
| Pretax return on assets | -0.9533% | 6,784 |
| Return on Equity (ROE) | -7.2551% | 6,826 |
| Retained earnings to average equity (ytd only) | -13.0219% | 7,113 |
| Net charge-offs to loans | 0.1867% | 4,394 |
| Credit loss provision to net charge-offs | 521.4286% | 884 |
| Earnings coverage of net charge-offs (x) | -3.1429% | 6,410 |
| Efficiency ratio | 108.6275% | 888 |
| Assets per employee ($millions) | 3.0025% | 6,124 |
| Cash dividends to net income (ytd only)* | -79.4872% | 8,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,071 |
| Loan loss allowance to noncurrent loans | 53.0516% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.2107% | 2,929 |
| Noncurrent loans to loans | 2.8726% | 2,510 |
| Net loans and leases to total assets | 60.7993% | 5,552 |
| Net loans and leases to deposits | 70.1071% | 5,979 |
| Net loans and leases to core deposits | 78.2888% | 6,532 |
| Total domestic deposits to total assets | 86.7236% | 2,391 |
| Equity capital to assets | 12.9184% | 1,726 |
| Core capital (leverage) ratio | 9.1537% | 4,377 |
| Tier 1 risk-based capital ratio | 13.1697% | 4,019 |
| Total risk-based capital ratio | 14.4216% | 3,947 |
| Memoranda: | ||
| Average total assets | $24,546,330 | 7,800 |
| Average earning assets | $21,063,000 | 7,824 |
| Average equity | $3,225,330 | 7,655 |
| Average total loans | $14,996,330 | 7,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0050% | 2,341 |
| Cost of funding earning assets | 1.7476% | 5,363 |
| Net interest margin | 4.2574% | 1,718 |
| Noninterest income to average assets | 0.5643% | 3,802 |
| Noninterest expense to average assets | 4.6434% | 627 |
| Loan and lease loss provision to assets | 0.1290% | 5,306 |
| Net operating income to assets | -0.5159% | 6,891 |
| Return on assets (ROA) | -0.5159% | 6,941 |
| Pretax return on assets | -0.5159% | 6,829 |
| Return on Equity (ROE) | -3.8947% | 6,879 |
| Retained earnings to average equity (ytd only) | -15.2138% | 7,447 |
| Net charge-offs to loans | -0.0265% | 7,520 |
| Credit loss provision to net charge-offs | -800.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0909% | 835 |
| Assets per employee ($millions) | 3.0246% | 6,086 |
| Cash dividends to net income (ytd only)* | -290.6250% | 8,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,683 |
| Loan loss allowance to noncurrent loans | 52.8529% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9135% | 3,034 |
| Noncurrent loans to loans | 2.3027% | 2,854 |
| Net loans and leases to total assets | 59.0362% | 5,803 |
| Net loans and leases to deposits | 68.2709% | 6,158 |
| Net loans and leases to core deposits | 75.8066% | 6,688 |
| Total domestic deposits to total assets | 86.4735% | 2,462 |
| Equity capital to assets | 13.2578% | 1,637 |
| Core capital (leverage) ratio | 9.5072% | 3,973 |
| Tier 1 risk-based capital ratio | 13.4783% | 3,881 |
| Total risk-based capital ratio | 14.5411% | 3,920 |
| Memoranda: | ||
| Average total assets | $24,809,500 | 7,844 |
| Average earning assets | $21,515,500 | 7,860 |
| Average equity | $3,286,500 | 7,693 |
| Average total loans | $15,079,500 | 7,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5506% | 2,716 |
| Cost of funding earning assets | 2.0184% | 6,353 |
| Net interest margin | 4.5322% | 1,346 |
| Noninterest income to average assets | 0.6546% | 3,435 |
| Noninterest expense to average assets | 3.6643% | 2,019 |
| Loan and lease loss provision to assets | 0.2275% | 4,614 |
| Net operating income to assets | 0.6347% | 4,169 |
| Return on assets (ROA) | 0.6347% | 4,017 |
| Pretax return on assets | 0.6347% | 4,588 |
| Return on Equity (ROE) | 4.7857% | 4,478 |
| Retained earnings to average equity (ytd only) | -1.4748% | 5,731 |
| Net charge-offs to loans | 0.3682% | 2,997 |
| Credit loss provision to net charge-offs | 103.6364% | 5,163 |
| Earnings coverage of net charge-offs (x) | 3.9273% | 4,179 |
| Efficiency ratio | 80.9524% | 2,454 |
| Assets per employee ($millions) | 3.1778% | 5,544 |
| Cash dividends to net income (ytd only)* | 130.8176% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,524 |
| Loan loss allowance to noncurrent loans | 60.5072% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 2,513 |
| Noncurrent loans to loans | 1.7582% | 3,127 |
| Net loans and leases to total assets | 61.0928% | 5,755 |
| Net loans and leases to deposits | 70.6372% | 6,206 |
| Net loans and leases to core deposits | 81.7679% | 6,480 |
| Total domestic deposits to total assets | 86.4881% | 2,172 |
| Equity capital to assets | 13.2366% | 1,695 |
| Core capital (leverage) ratio | 9.8097% | 3,636 |
| Tier 1 risk-based capital ratio | 13.2568% | 3,962 |
| Total risk-based capital ratio | 14.1965% | 4,066 |
| Memoranda: | ||
| Average total assets | $25,052,600 | 7,838 |
| Average earning assets | $21,402,600 | 7,882 |
| Average equity | $3,322,400 | 7,740 |
| Average total loans | $14,939,400 | 7,653 |