Home > Ruth State Bank > Performance and Condition Ratios
Ruth State Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4674% | 5,977 |
| Cost of funding earning assets | 0.1169% | 5,833 |
| Net interest margin | 2.3505% | 5,902 |
| Noninterest income to average assets | 0.1621% | 5,522 |
| Noninterest expense to average assets | 8.4698% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -6.1363% | 6,114 |
| Return on assets (ROA) | -6.1363% | 6,114 |
| Pretax return on assets | -6.1363% | 6,113 |
| Return on Equity (ROE) | -76.1905% | 6,111 |
| Retained earnings to average equity (ytd only) | -76.1905% | 6,099 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 362.9630% | 7 |
| Assets per employee ($millions) | 7.3294% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 1,307 |
| Loan loss allowance to noncurrent loans | 74.3017% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 3,647 |
| Noncurrent loans to loans | 2.3193% | 858 |
| Net loans and leases to total assets | 20.6975% | 5,982 |
| Net loans and leases to deposits | 22.3905% | 6,008 |
| Net loans and leases to core deposits | 23.6580% | 6,007 |
| Total domestic deposits to total assets | 92.4387% | 67 |
| Equity capital to assets | 7.5504% | 5,940 |
| Core capital (leverage) ratio | 7.4239% | 5,937 |
| Tier 1 risk-based capital ratio | 20.4936% | 1,406 |
| Total risk-based capital ratio | 21.5225% | 1,419 |
| Memoranda: | ||
| Average total assets | $37,025,500 | 5,775 |
| Average earning assets | $34,205,500 | 5,754 |
| Average equity | $2,982,000 | 5,949 |
| Average total loans | $8,055,000 | 6,007 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3969% | 6,031 |
| Cost of funding earning assets | 0.1306% | 5,809 |
| Net interest margin | 2.2663% | 5,961 |
| Noninterest income to average assets | 0.2350% | 5,188 |
| Noninterest expense to average assets | 1.9472% | 5,547 |
| Loan and lease loss provision to assets | 0.0951% | 2,418 |
| Net operating income to assets | 0.2798% | 5,410 |
| Return on assets (ROA) | 0.3525% | 5,297 |
| Pretax return on assets | 0.3525% | 5,420 |
| Return on Equity (ROE) | 3.9800% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.9800% | 3,199 |
| Net charge-offs to loans | -0.0120% | 5,153 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8554% | 1,191 |
| Assets per employee ($millions) | 7.4808% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,663 |
| Loan loss allowance to noncurrent loans | 108.1301% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,268 |
| Noncurrent loans to loans | 1.4657% | 1,593 |
| Net loans and leases to total assets | 22.0805% | 6,029 |
| Net loans and leases to deposits | 24.3729% | 6,045 |
| Net loans and leases to core deposits | 24.8152% | 6,053 |
| Total domestic deposits to total assets | 90.5946% | 408 |
| Equity capital to assets | 8.5472% | 5,525 |
| Core capital (leverage) ratio | 8.9625% | 4,927 |
| Tier 1 risk-based capital ratio | 24.2847% | 887 |
| Total risk-based capital ratio | 25.2887% | 911 |
| Memoranda: | ||
| Average total assets | $35,743,800 | 5,856 |
| Average earning assets | $32,917,200 | 5,836 |
| Average equity | $3,165,800 | 5,976 |
| Average total loans | $8,341,200 | 6,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3914% | 6,121 |
| Cost of funding earning assets | 0.1311% | 5,909 |
| Net interest margin | 2.2604% | 6,056 |
| Noninterest income to average assets | 0.2415% | 5,198 |
| Noninterest expense to average assets | 1.8379% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4869% | 4,835 |
| Return on assets (ROA) | 0.4869% | 4,925 |
| Pretax return on assets | 0.4869% | 5,252 |
| Return on Equity (ROE) | 5.4465% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.4465% | 2,611 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0584% | 1,795 |
| Assets per employee ($millions) | 6.7520% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 3,260 |
| Loan loss allowance to noncurrent loans | 78.4000% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,285 |
| Noncurrent loans to loans | 1.6192% | 1,526 |
| Net loans and leases to total assets | 22.5770% | 6,111 |
| Net loans and leases to deposits | 25.2250% | 6,132 |
| Net loans and leases to core deposits | 25.7474% | 6,136 |
| Total domestic deposits to total assets | 89.5024% | 774 |
| Equity capital to assets | 9.6505% | 4,575 |
| Core capital (leverage) ratio | 9.2235% | 4,701 |
| Tier 1 risk-based capital ratio | 27.0112% | 685 |
| Total risk-based capital ratio | 27.8332% | 701 |
| Memoranda: | ||
| Average total assets | $35,328,750 | 5,943 |
| Average earning assets | $32,560,000 | 5,922 |
| Average equity | $3,158,000 | 6,058 |
| Average total loans | $8,328,500 | 6,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3596% | 6,207 |
| Cost of funding earning assets | 0.1271% | 6,000 |
| Net interest margin | 2.2326% | 6,132 |
| Noninterest income to average assets | 0.2287% | 5,329 |
| Noninterest expense to average assets | 1.8521% | 5,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4351% | 5,022 |
| Return on assets (ROA) | 0.4351% | 5,118 |
| Pretax return on assets | 0.4351% | 5,386 |
| Return on Equity (ROE) | 4.9925% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.9925% | 2,871 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9756% | 1,626 |
| Assets per employee ($millions) | 6.9098% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 3,842 |
| Loan loss allowance to noncurrent loans | 77.1654% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 4,425 |
| Noncurrent loans to loans | 1.5444% | 1,714 |
| Net loans and leases to total assets | 23.5173% | 6,166 |
| Net loans and leases to deposits | 26.0743% | 6,201 |
| Net loans and leases to core deposits | 26.5975% | 6,195 |
| Total domestic deposits to total assets | 90.1936% | 580 |
| Equity capital to assets | 8.9670% | 5,269 |
| Core capital (leverage) ratio | 9.0411% | 4,903 |
| Tier 1 risk-based capital ratio | 25.5050% | 817 |
| Total risk-based capital ratio | 26.2938% | 844 |
| Memoranda: | ||
| Average total assets | $35,851,670 | 5,999 |
| Average earning assets | $33,056,330 | 5,975 |
| Average equity | $3,124,670 | 6,126 |
| Average total loans | $8,531,330 | 6,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3278% | 6,277 |
| Cost of funding earning assets | 0.1306% | 6,056 |
| Net interest margin | 2.1972% | 6,212 |
| Noninterest income to average assets | 0.2082% | 5,464 |
| Noninterest expense to average assets | 1.7642% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4712% | 4,794 |
| Return on assets (ROA) | 0.4712% | 4,913 |
| Pretax return on assets | 0.4712% | 5,255 |
| Return on Equity (ROE) | 5.4812% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,790 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9216% | 2,053 |
| Assets per employee ($millions) | 7.0758% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,168 |
| Loan loss allowance to noncurrent loans | 74.8092% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,534 |
| Noncurrent loans to loans | 1.5586% | 1,798 |
| Net loans and leases to total assets | 23.4800% | 6,222 |
| Net loans and leases to deposits | 26.0489% | 6,247 |
| Net loans and leases to core deposits | 26.6011% | 6,252 |
| Total domestic deposits to total assets | 90.1382% | 678 |
| Equity capital to assets | 9.0817% | 5,207 |
| Core capital (leverage) ratio | 8.6841% | 5,341 |
| Tier 1 risk-based capital ratio | 24.5727% | 930 |
| Total risk-based capital ratio | 25.3411% | 969 |
| Memoranda: | ||
| Average total assets | $36,503,000 | 6,042 |
| Average earning assets | $33,679,500 | 6,021 |
| Average equity | $3,138,000 | 6,182 |
| Average total loans | $8,685,500 | 6,261 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3990% | 6,354 |
| Cost of funding earning assets | 0.3066% | 4,723 |
| Net interest margin | 2.0924% | 6,342 |
| Noninterest income to average assets | 0.2436% | 5,382 |
| Noninterest expense to average assets | 1.8688% | 5,979 |
| Loan and lease loss provision to assets | 0.0498% | 3,563 |
| Net operating income to assets | 0.2519% | 5,654 |
| Return on assets (ROA) | 0.2547% | 5,706 |
| Pretax return on assets | 0.2547% | 5,781 |
| Return on Equity (ROE) | 3.1378% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.1378% | 4,002 |
| Net charge-offs to loans | 0.9669% | 323 |
| Credit loss provision to net charge-offs | 21.6867% | 3,958 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,448 |
| Efficiency ratio | 86.0969% | 1,159 |
| Assets per employee ($millions) | 7.5254% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 4,569 |
| Loan loss allowance to noncurrent loans | 68.0556% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 4,553 |
| Noncurrent loans to loans | 1.6061% | 1,824 |
| Net loans and leases to total assets | 23.5682% | 6,323 |
| Net loans and leases to deposits | 25.8640% | 6,351 |
| Net loans and leases to core deposits | 26.3724% | 6,352 |
| Total domestic deposits to total assets | 91.1234% | 331 |
| Equity capital to assets | 8.1404% | 5,994 |
| Core capital (leverage) ratio | 8.6486% | 5,391 |
| Tier 1 risk-based capital ratio | 22.5604% | 1,140 |
| Total risk-based capital ratio | 23.2757% | 1,198 |
| Memoranda: | ||
| Average total assets | $36,119,600 | 6,128 |
| Average earning assets | $33,263,400 | 6,111 |
| Average equity | $2,932,000 | 6,286 |
| Average total loans | $8,584,000 | 6,349 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4162% | 6,431 |
| Cost of funding earning assets | 0.3405% | 4,454 |
| Net interest margin | 2.0756% | 6,427 |
| Noninterest income to average assets | 0.1940% | 5,759 |
| Noninterest expense to average assets | 1.8763% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2275% | 5,793 |
| Return on assets (ROA) | 0.2313% | 5,837 |
| Pretax return on assets | 0.2313% | 5,900 |
| Return on Equity (ROE) | 2.8511% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.8511% | 4,569 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1844% | 908 |
| Assets per employee ($millions) | 6.9336% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 1,578 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 5,637 |
| Noncurrent loans to loans | 0.5328% | 4,339 |
| Net loans and leases to total assets | 24.9740% | 6,370 |
| Net loans and leases to deposits | 27.5899% | 6,399 |
| Net loans and leases to core deposits | 28.6831% | 6,404 |
| Total domestic deposits to total assets | 90.5186% | 520 |
| Equity capital to assets | 8.6651% | 5,672 |
| Core capital (leverage) ratio | 8.9513% | 5,133 |
| Tier 1 risk-based capital ratio | 23.3361% | 1,072 |
| Total risk-based capital ratio | 24.5788% | 1,056 |
| Memoranda: | ||
| Average total assets | $35,742,750 | 6,211 |
| Average earning assets | $32,888,500 | 6,193 |
| Average equity | $2,899,250 | 6,362 |
| Average total loans | $8,488,500 | 6,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3023% | 6,528 |
| Cost of funding earning assets | 0.3667% | 4,242 |
| Net interest margin | 1.9356% | 6,537 |
| Noninterest income to average assets | 0.1773% | 5,889 |
| Noninterest expense to average assets | 1.8781% | 6,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0831% | 6,076 |
| Return on assets (ROA) | 0.0831% | 6,101 |
| Pretax return on assets | 0.0831% | 6,112 |
| Return on Equity (ROE) | 1.0474% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.0474% | 5,340 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7627% | 568 |
| Assets per employee ($millions) | 6.8440% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 1,561 |
| Loan loss allowance to noncurrent loans | 339.5833% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 5,732 |
| Noncurrent loans to loans | 0.5625% | 4,333 |
| Net loans and leases to total assets | 24.4623% | 6,441 |
| Net loans and leases to deposits | 27.0041% | 6,475 |
| Net loans and leases to core deposits | 28.0859% | 6,471 |
| Total domestic deposits to total assets | 90.5874% | 549 |
| Equity capital to assets | 8.6148% | 5,703 |
| Core capital (leverage) ratio | 8.5028% | 5,636 |
| Tier 1 risk-based capital ratio | 23.5358% | 1,041 |
| Total risk-based capital ratio | 24.7853% | 1,022 |
| Memoranda: | ||
| Average total assets | $36,101,000 | 6,261 |
| Average earning assets | $33,270,670 | 6,242 |
| Average equity | $2,864,330 | 6,420 |
| Average total loans | $8,377,670 | 6,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2289% | 6,617 |
| Cost of funding earning assets | 0.3871% | 4,120 |
| Net interest margin | 1.8418% | 6,620 |
| Noninterest income to average assets | 0.2052% | 5,714 |
| Noninterest expense to average assets | 1.7170% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1836% | 5,848 |
| Return on assets (ROA) | 0.1836% | 5,890 |
| Pretax return on assets | 0.1836% | 5,946 |
| Return on Equity (ROE) | 2.4092% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.4092% | 4,630 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3409% | 1,004 |
| Assets per employee ($millions) | 7.0848% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 1,605 |
| Loan loss allowance to noncurrent loans | 339.5833% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 5,848 |
| Noncurrent loans to loans | 0.5765% | 4,435 |
| Net loans and leases to total assets | 23.0437% | 6,521 |
| Net loans and leases to deposits | 25.2873% | 6,557 |
| Net loans and leases to core deposits | 26.5067% | 6,545 |
| Total domestic deposits to total assets | 91.1275% | 517 |
| Equity capital to assets | 8.0849% | 5,991 |
| Core capital (leverage) ratio | 8.1768% | 5,968 |
| Tier 1 risk-based capital ratio | 24.6971% | 919 |
| Total risk-based capital ratio | 25.9496% | 900 |
| Memoranda: | ||
| Average total assets | $37,041,500 | 6,300 |
| Average earning assets | $34,097,500 | 6,286 |
| Average equity | $2,822,500 | 6,485 |
| Average total loans | $8,299,500 | 6,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4013% | 6,646 |
| Cost of funding earning assets | 0.4728% | 3,882 |
| Net interest margin | 1.9285% | 6,662 |
| Noninterest income to average assets | 0.2419% | 5,614 |
| Noninterest expense to average assets | 1.7816% | 6,351 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2362% | 5,729 |
| Return on assets (ROA) | 0.2590% | 5,738 |
| Pretax return on assets | 0.2590% | 5,831 |
| Return on Equity (ROE) | 3.1887% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.1887% | 3,964 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2934% | 1,184 |
| Assets per employee ($millions) | 7.7318% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 1,621 |
| Loan loss allowance to noncurrent loans | 339.5833% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,951 |
| Noncurrent loans to loans | 0.5802% | 4,533 |
| Net loans and leases to total assets | 20.9783% | 6,656 |
| Net loans and leases to deposits | 22.7803% | 6,687 |
| Net loans and leases to core deposits | 23.7907% | 6,672 |
| Total domestic deposits to total assets | 92.0898% | 264 |
| Equity capital to assets | 7.1937% | 6,403 |
| Core capital (leverage) ratio | 8.6529% | 5,474 |
| Tier 1 risk-based capital ratio | 24.1077% | 939 |
| Total risk-based capital ratio | 25.3617% | 929 |
| Memoranda: | ||
| Average total assets | $35,137,800 | 6,414 |
| Average earning assets | $32,357,000 | 6,394 |
| Average equity | $2,853,800 | 6,556 |
| Average total loans | $8,103,200 | 6,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4111% | 6,725 |
| Cost of funding earning assets | 0.4932% | 3,843 |
| Net interest margin | 1.9179% | 6,745 |
| Noninterest income to average assets | 0.1985% | 5,991 |
| Noninterest expense to average assets | 1.8331% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1362% | 6,062 |
| Return on assets (ROA) | 0.1674% | 6,065 |
| Pretax return on assets | 0.1674% | 6,103 |
| Return on Equity (ROE) | 1.9962% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.9962% | 5,132 |
| Net charge-offs to loans | -0.0165% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0830% | 784 |
| Assets per employee ($millions) | 6.5788% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 1,538 |
| Loan loss allowance to noncurrent loans | 334.6939% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 5,995 |
| Noncurrent loans to loans | 0.6233% | 4,647 |
| Net loans and leases to total assets | 23.4024% | 6,700 |
| Net loans and leases to deposits | 25.7648% | 6,732 |
| Net loans and leases to core deposits | 27.1429% | 6,723 |
| Total domestic deposits to total assets | 90.8312% | 600 |
| Equity capital to assets | 8.2903% | 5,924 |
| Core capital (leverage) ratio | 8.7096% | 5,527 |
| Tier 1 risk-based capital ratio | 25.5542% | 824 |
| Total risk-based capital ratio | 26.8012% | 812 |
| Memoranda: | ||
| Average total assets | $34,257,500 | 6,500 |
| Average earning assets | $31,630,750 | 6,477 |
| Average equity | $2,872,000 | 6,630 |
| Average total loans | $8,060,750 | 6,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3617% | 6,782 |
| Cost of funding earning assets | 0.4998% | 3,904 |
| Net interest margin | 1.8619% | 6,802 |
| Noninterest income to average assets | 0.1959% | 6,035 |
| Noninterest expense to average assets | 1.8380% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0749% | 6,188 |
| Return on assets (ROA) | 0.0749% | 6,272 |
| Pretax return on assets | 0.0749% | 6,270 |
| Return on Equity (ROE) | 0.8903% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.8903% | 5,542 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0843% | 648 |
| Assets per employee ($millions) | 6.8182% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0563% | 1,728 |
| Loan loss allowance to noncurrent loans | 75.8140% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 4,655 |
| Noncurrent loans to loans | 2.7122% | 1,682 |
| Net loans and leases to total assets | 22.7743% | 6,748 |
| Net loans and leases to deposits | 24.9022% | 6,792 |
| Net loans and leases to core deposits | 26.1731% | 6,777 |
| Total domestic deposits to total assets | 91.4552% | 395 |
| Equity capital to assets | 7.8261% | 6,307 |
| Core capital (leverage) ratio | 8.5150% | 5,656 |
| Tier 1 risk-based capital ratio | 25.0278% | 871 |
| Total risk-based capital ratio | 26.2788% | 857 |
| Memoranda: | ||
| Average total assets | $34,712,000 | 6,533 |
| Average earning assets | $32,010,670 | 6,515 |
| Average equity | $2,920,330 | 6,675 |
| Average total loans | $8,127,000 | 6,765 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3753% | 6,845 |
| Cost of funding earning assets | 0.4975% | 4,117 |
| Net interest margin | 1.8779% | 6,876 |
| Noninterest income to average assets | 0.1827% | 6,172 |
| Noninterest expense to average assets | 1.7246% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1827% | 5,941 |
| Return on assets (ROA) | 0.1827% | 6,054 |
| Pretax return on assets | 0.1827% | 6,108 |
| Return on Equity (ROE) | 2.1008% | 5,904 |
| Retained earnings to average equity (ytd only) | 2.1008% | 4,952 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4192% | 1,104 |
| Assets per employee ($millions) | 6.9168% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 1,810 |
| Loan loss allowance to noncurrent loans | 72.7679% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 4,749 |
| Noncurrent loans to loans | 2.8773% | 1,758 |
| Net loans and leases to total assets | 22.0391% | 6,818 |
| Net loans and leases to deposits | 24.3367% | 6,854 |
| Net loans and leases to core deposits | 25.6047% | 6,845 |
| Total domestic deposits to total assets | 90.5592% | 736 |
| Equity capital to assets | 8.7642% | 5,741 |
| Core capital (leverage) ratio | 8.4689% | 5,631 |
| Tier 1 risk-based capital ratio | 24.9424% | 897 |
| Total risk-based capital ratio | 26.1960% | 885 |
| Memoranda: | ||
| Average total assets | $35,022,500 | 6,594 |
| Average earning assets | $32,164,000 | 6,578 |
| Average equity | $3,046,500 | 6,712 |
| Average total loans | $8,227,000 | 6,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 6,895 |
| Cost of funding earning assets | 0.6006% | 4,347 |
| Net interest margin | 2.0415% | 6,920 |
| Noninterest income to average assets | 0.2358% | 5,761 |
| Noninterest expense to average assets | 1.9920% | 6,339 |
| Loan and lease loss provision to assets | 0.1179% | 4,152 |
| Net operating income to assets | 0.0031% | 6,164 |
| Return on assets (ROA) | 0.0621% | 6,215 |
| Pretax return on assets | 0.0621% | 6,209 |
| Return on Equity (ROE) | 0.6547% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.6547% | 5,534 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2731% | 785 |
| Assets per employee ($millions) | 8.8653% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 2,353 |
| Loan loss allowance to noncurrent loans | 71.4912% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 4,860 |
| Noncurrent loans to loans | 2.6301% | 2,012 |
| Net loans and leases to total assets | 23.9869% | 6,859 |
| Net loans and leases to deposits | 26.4424% | 6,898 |
| Net loans and leases to core deposits | 27.5543% | 6,893 |
| Total domestic deposits to total assets | 90.7137% | 606 |
| Equity capital to assets | 8.6348% | 5,927 |
| Core capital (leverage) ratio | 8.8021% | 5,177 |
| Tier 1 risk-based capital ratio | 23.1867% | 1,082 |
| Total risk-based capital ratio | 24.4381% | 1,070 |
| Memoranda: | ||
| Average total assets | $32,228,600 | 6,702 |
| Average earning assets | $29,634,800 | 6,674 |
| Average equity | $3,055,000 | 6,772 |
| Average total loans | $8,429,000 | 6,901 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7231% | 6,992 |
| Cost of funding earning assets | 0.6266% | 4,397 |
| Net interest margin | 2.0965% | 7,012 |
| Noninterest income to average assets | 0.1952% | 6,131 |
| Noninterest expense to average assets | 1.9689% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1570% | 6,018 |
| Return on assets (ROA) | 0.2207% | 6,040 |
| Pretax return on assets | 0.2207% | 6,088 |
| Return on Equity (ROE) | 2.2707% | 5,955 |
| Retained earnings to average equity (ytd only) | 2.2707% | 5,201 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6148% | 853 |
| Assets per employee ($millions) | 7.8100% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,619 |
| Loan loss allowance to noncurrent loans | 70.2247% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 5,246 |
| Noncurrent loans to loans | 2.2435% | 2,567 |
| Net loans and leases to total assets | 24.9968% | 6,945 |
| Net loans and leases to deposits | 28.0234% | 6,982 |
| Net loans and leases to core deposits | 29.3892% | 6,973 |
| Total domestic deposits to total assets | 89.1997% | 1,314 |
| Equity capital to assets | 10.0576% | 4,410 |
| Core capital (leverage) ratio | 9.2947% | 4,592 |
| Tier 1 risk-based capital ratio | 25.6948% | 848 |
| Total risk-based capital ratio | 26.7873% | 850 |
| Memoranda: | ||
| Average total assets | $31,420,500 | 6,805 |
| Average earning assets | $28,937,000 | 6,776 |
| Average equity | $3,053,250 | 6,861 |
| Average total loans | $8,369,000 | 6,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7137% | 7,075 |
| Cost of funding earning assets | 0.6353% | 4,570 |
| Net interest margin | 2.0785% | 7,080 |
| Noninterest income to average assets | 0.1969% | 6,151 |
| Noninterest expense to average assets | 1.9250% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1842% | 5,963 |
| Return on assets (ROA) | 0.1969% | 6,108 |
| Pretax return on assets | 0.1969% | 6,157 |
| Return on Equity (ROE) | 2.0505% | 6,030 |
| Retained earnings to average equity (ytd only) | 2.0505% | 5,176 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2651% | 976 |
| Assets per employee ($millions) | 7.7825% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,818 |
| Loan loss allowance to noncurrent loans | 67.5676% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 5,284 |
| Noncurrent loans to loans | 2.2817% | 2,636 |
| Net loans and leases to total assets | 25.6441% | 6,992 |
| Net loans and leases to deposits | 28.6725% | 7,031 |
| Net loans and leases to core deposits | 30.0689% | 7,022 |
| Total domestic deposits to total assets | 89.4378% | 1,248 |
| Equity capital to assets | 9.8169% | 4,598 |
| Core capital (leverage) ratio | 9.2297% | 4,559 |
| Tier 1 risk-based capital ratio | 25.8934% | 815 |
| Total risk-based capital ratio | 27.0019% | 813 |
| Memoranda: | ||
| Average total assets | $31,480,670 | 6,856 |
| Average earning assets | $28,963,670 | 6,828 |
| Average equity | $3,023,670 | 6,908 |
| Average total loans | $8,514,000 | 7,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7133% | 7,137 |
| Cost of funding earning assets | 0.6441% | 4,785 |
| Net interest margin | 2.0692% | 7,141 |
| Noninterest income to average assets | 0.2022% | 6,178 |
| Noninterest expense to average assets | 1.9080% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2022% | 5,980 |
| Return on assets (ROA) | 0.2022% | 6,127 |
| Pretax return on assets | 0.2022% | 6,201 |
| Return on Equity (ROE) | 2.1280% | 6,032 |
| Retained earnings to average equity (ytd only) | 2.1280% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4192% | 1,056 |
| Assets per employee ($millions) | 6.2448% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,152 |
| Loan loss allowance to noncurrent loans | 65.1042% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 5,356 |
| Noncurrent loans to loans | 2.3041% | 2,803 |
| Net loans and leases to total assets | 26.2875% | 7,028 |
| Net loans and leases to deposits | 29.3195% | 7,069 |
| Net loans and leases to core deposits | 30.7646% | 7,060 |
| Total domestic deposits to total assets | 89.6586% | 1,266 |
| Equity capital to assets | 9.6336% | 4,605 |
| Core capital (leverage) ratio | 9.1759% | 4,559 |
| Tier 1 risk-based capital ratio | 21.1365% | 1,466 |
| Total risk-based capital ratio | 22.0460% | 1,496 |
| Memoranda: | ||
| Average total assets | $31,656,000 | 6,908 |
| Average earning assets | $29,189,500 | 6,878 |
| Average equity | $3,007,500 | 6,961 |
| Average total loans | $8,717,000 | 7,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9669% | 7,181 |
| Cost of funding earning assets | 0.8350% | 4,588 |
| Net interest margin | 2.1319% | 7,199 |
| Noninterest income to average assets | 0.2499% | 5,744 |
| Noninterest expense to average assets | 2.2268% | 6,214 |
| Loan and lease loss provision to assets | -0.0032% | 7,205 |
| Net operating income to assets | -0.0260% | 6,077 |
| Return on assets (ROA) | -0.0227% | 6,183 |
| Pretax return on assets | -0.0227% | 6,154 |
| Return on Equity (ROE) | -0.2369% | 6,187 |
| Retained earnings to average equity (ytd only) | -0.2369% | 5,896 |
| Net charge-offs to loans | -0.0115% | 6,901 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3294% | 637 |
| Assets per employee ($millions) | 6.4176% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,588 |
| Loan loss allowance to noncurrent loans | 64.4330% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 5,453 |
| Noncurrent loans to loans | 2.1316% | 3,029 |
| Net loans and leases to total assets | 27.9731% | 7,059 |
| Net loans and leases to deposits | 31.7757% | 7,097 |
| Net loans and leases to core deposits | 33.3247% | 7,090 |
| Total domestic deposits to total assets | 88.0329% | 2,134 |
| Equity capital to assets | 9.3711% | 5,060 |
| Core capital (leverage) ratio | 9.5114% | 4,009 |
| Tier 1 risk-based capital ratio | 20.2339% | 1,588 |
| Total risk-based capital ratio | 21.1094% | 1,640 |
| Memoranda: | ||
| Average total assets | $30,806,600 | 6,944 |
| Average earning assets | $28,143,600 | 6,914 |
| Average equity | $2,954,800 | 7,018 |
| Average total loans | $8,711,800 | 7,155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0184% | 7,257 |
| Cost of funding earning assets | 0.8624% | 4,686 |
| Net interest margin | 2.1560% | 7,269 |
| Noninterest income to average assets | 0.2056% | 6,134 |
| Noninterest expense to average assets | 2.1998% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0262% | 6,190 |
| Return on assets (ROA) | -0.0262% | 6,292 |
| Pretax return on assets | -0.0262% | 6,258 |
| Return on Equity (ROE) | -0.2719% | 6,299 |
| Retained earnings to average equity (ytd only) | -0.2719% | 6,027 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2072% | 628 |
| Assets per employee ($millions) | 5.8896% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 4,404 |
| Loan loss allowance to noncurrent loans | 62.8141% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,449 |
| Noncurrent loans to loans | 2.2816% | 3,022 |
| Net loans and leases to total assets | 29.1938% | 7,111 |
| Net loans and leases to deposits | 32.7717% | 7,161 |
| Net loans and leases to core deposits | 34.8522% | 7,146 |
| Total domestic deposits to total assets | 89.0825% | 1,383 |
| Equity capital to assets | 10.1739% | 4,127 |
| Core capital (leverage) ratio | 9.5380% | 4,100 |
| Tier 1 risk-based capital ratio | 21.6139% | 1,352 |
| Total risk-based capital ratio | 22.5488% | 1,383 |
| Memoranda: | ||
| Average total assets | $30,486,250 | 7,026 |
| Average earning assets | $27,828,250 | 6,999 |
| Average equity | $2,941,750 | 7,087 |
| Average total loans | $8,614,500 | 7,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 7,339 |
| Cost of funding earning assets | 0.8604% | 4,981 |
| Net interest margin | 2.1261% | 7,337 |
| Noninterest income to average assets | 0.2011% | 6,228 |
| Noninterest expense to average assets | 2.1795% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0389% | 6,283 |
| Return on assets (ROA) | -0.0389% | 6,342 |
| Pretax return on assets | -0.0389% | 6,307 |
| Return on Equity (ROE) | -0.4104% | 6,348 |
| Retained earnings to average equity (ytd only) | -0.4104% | 5,931 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8182% | 665 |
| Assets per employee ($millions) | 6.1148% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 4,317 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 5,560 |
| Noncurrent loans to loans | 2.3857% | 3,004 |
| Net loans and leases to total assets | 27.6967% | 7,250 |
| Net loans and leases to deposits | 30.9006% | 7,295 |
| Net loans and leases to core deposits | 32.7684% | 7,285 |
| Total domestic deposits to total assets | 89.6317% | 1,171 |
| Equity capital to assets | 9.6455% | 4,603 |
| Core capital (leverage) ratio | 9.5899% | 3,824 |
| Tier 1 risk-based capital ratio | 21.4806% | 1,329 |
| Total risk-based capital ratio | 22.4097% | 1,370 |
| Memoranda: | ||
| Average total assets | $30,832,330 | 7,081 |
| Average earning assets | $28,126,330 | 7,056 |
| Average equity | $2,923,670 | 7,147 |
| Average total loans | $8,578,670 | 7,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9733% | 7,403 |
| Cost of funding earning assets | 0.8314% | 5,383 |
| Net interest margin | 2.1419% | 7,376 |
| Noninterest income to average assets | 0.1680% | 6,524 |
| Noninterest expense to average assets | 2.1058% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0258% | 6,290 |
| Return on assets (ROA) | 0.0258% | 6,326 |
| Pretax return on assets | 0.0258% | 6,311 |
| Return on Equity (ROE) | 0.2748% | 6,317 |
| Retained earnings to average equity (ytd only) | 0.2748% | 5,698 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7879% | 798 |
| Assets per employee ($millions) | 5.9822% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 4,226 |
| Loan loss allowance to noncurrent loans | 60.0962% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 5,551 |
| Noncurrent loans to loans | 2.4913% | 2,998 |
| Net loans and leases to total assets | 27.4949% | 7,310 |
| Net loans and leases to deposits | 30.7255% | 7,348 |
| Net loans and leases to core deposits | 32.6427% | 7,343 |
| Total domestic deposits to total assets | 89.4855% | 1,489 |
| Equity capital to assets | 9.8058% | 4,027 |
| Core capital (leverage) ratio | 9.4353% | 3,906 |
| Tier 1 risk-based capital ratio | 21.9553% | 1,237 |
| Total risk-based capital ratio | 22.9026% | 1,268 |
| Memoranda: | ||
| Average total assets | $30,961,500 | 7,123 |
| Average earning assets | $28,385,500 | 7,095 |
| Average equity | $2,911,000 | 7,192 |
| Average total loans | $8,571,500 | 7,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 7,475 |
| Cost of funding earning assets | 1.0608% | 5,362 |
| Net interest margin | 2.0549% | 7,444 |
| Noninterest income to average assets | 0.2807% | 5,769 |
| Noninterest expense to average assets | 2.4909% | 5,835 |
| Loan and lease loss provision to assets | -0.1710% | 7,618 |
| Net operating income to assets | -0.1516% | 6,053 |
| Return on assets (ROA) | -0.4582% | 6,386 |
| Pretax return on assets | -0.4582% | 6,291 |
| Return on Equity (ROE) | -4.6955% | 6,407 |
| Retained earnings to average equity (ytd only) | -4.6955% | 6,267 |
| Net charge-offs to loans | -0.6312% | 7,593 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8810% | 466 |
| Assets per employee ($millions) | 6.4024% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,420 |
| Loan loss allowance to noncurrent loans | 55.8036% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 5,493 |
| Noncurrent loans to loans | 2.5472% | 2,979 |
| Net loans and leases to total assets | 27.0805% | 7,428 |
| Net loans and leases to deposits | 29.9893% | 7,461 |
| Net loans and leases to core deposits | 32.0031% | 7,449 |
| Total domestic deposits to total assets | 90.3005% | 932 |
| Equity capital to assets | 9.0247% | 5,103 |
| Core capital (leverage) ratio | 9.4195% | 3,819 |
| Tier 1 risk-based capital ratio | 20.8513% | 1,341 |
| Total risk-based capital ratio | 21.7517% | 1,381 |
| Memoranda: | ||
| Average total assets | $30,993,000 | 7,172 |
| Average earning assets | $28,468,600 | 7,148 |
| Average equity | $3,024,200 | 7,274 |
| Average total loans | $8,396,200 | 7,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1156% | 7,610 |
| Cost of funding earning assets | 1.1094% | 5,373 |
| Net interest margin | 2.0063% | 7,578 |
| Noninterest income to average assets | 0.2429% | 6,153 |
| Noninterest expense to average assets | 2.5418% | 5,557 |
| Loan and lease loss provision to assets | -0.2255% | 7,724 |
| Net operating income to assets | -0.2299% | 6,358 |
| Return on assets (ROA) | -0.6420% | 6,739 |
| Pretax return on assets | -0.6420% | 6,641 |
| Return on Equity (ROE) | -6.4529% | 6,755 |
| Retained earnings to average equity (ytd only) | -6.4529% | 6,676 |
| Net charge-offs to loans | -0.8356% | 7,699 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8295% | 375 |
| Assets per employee ($millions) | 4.9512% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,848 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 5,487 |
| Noncurrent loans to loans | 2.6836% | 2,948 |
| Net loans and leases to total assets | 27.1754% | 7,525 |
| Net loans and leases to deposits | 30.4952% | 7,555 |
| Net loans and leases to core deposits | 32.7638% | 7,550 |
| Total domestic deposits to total assets | 89.1137% | 1,335 |
| Equity capital to assets | 10.1592% | 3,937 |
| Core capital (leverage) ratio | 9.5208% | 3,874 |
| Tier 1 risk-based capital ratio | 21.9846% | 1,208 |
| Total risk-based capital ratio | 22.9358% | 1,235 |
| Memoranda: | ||
| Average total assets | $30,738,250 | 7,263 |
| Average earning assets | $28,244,000 | 7,238 |
| Average equity | $3,058,000 | 7,354 |
| Average total loans | $8,296,750 | 7,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 7,668 |
| Cost of funding earning assets | 1.1476% | 5,420 |
| Net interest margin | 2.0993% | 7,621 |
| Noninterest income to average assets | 0.2252% | 6,304 |
| Noninterest expense to average assets | 2.6060% | 5,304 |
| Loan and lease loss provision to assets | -0.3410% | 7,798 |
| Net operating income to assets | -0.1094% | 6,244 |
| Return on assets (ROA) | -0.1094% | 6,317 |
| Pretax return on assets | -0.1094% | 6,257 |
| Return on Equity (ROE) | -1.1070% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.1070% | 5,992 |
| Net charge-offs to loans | -1.2726% | 7,767 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8955% | 404 |
| Assets per employee ($millions) | 5.0952% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,684 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 5,545 |
| Noncurrent loans to loans | 2.7201% | 2,931 |
| Net loans and leases to total assets | 26.0476% | 7,611 |
| Net loans and leases to deposits | 29.1450% | 7,650 |
| Net loans and leases to core deposits | 31.2336% | 7,640 |
| Total domestic deposits to total assets | 89.3723% | 1,239 |
| Equity capital to assets | 9.9146% | 4,116 |
| Core capital (leverage) ratio | 9.9591% | 3,209 |
| Tier 1 risk-based capital ratio | 22.9274% | 1,078 |
| Total risk-based capital ratio | 23.8764% | 1,087 |
| Memoranda: | ||
| Average total assets | $31,082,000 | 7,308 |
| Average earning assets | $28,580,670 | 7,273 |
| Average equity | $3,071,330 | 7,396 |
| Average total loans | $8,329,670 | 7,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 7,761 |
| Cost of funding earning assets | 1.1792% | 5,515 |
| Net interest margin | 2.0948% | 7,689 |
| Noninterest income to average assets | 0.2170% | 6,410 |
| Noninterest expense to average assets | 2.7698% | 4,608 |
| Loan and lease loss provision to assets | -0.6765% | 7,909 |
| Net operating income to assets | 0.0511% | 6,153 |
| Return on assets (ROA) | 0.0511% | 6,265 |
| Pretax return on assets | 0.0511% | 6,251 |
| Return on Equity (ROE) | 0.5175% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.5175% | 5,620 |
| Net charge-offs to loans | -2.5087% | 7,870 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1667% | 341 |
| Assets per employee ($millions) | 5.1347% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,882 |
| Loan loss allowance to noncurrent loans | 126.2626% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 6,508 |
| Noncurrent loans to loans | 1.1922% | 4,976 |
| Net loans and leases to total assets | 26.5483% | 7,695 |
| Net loans and leases to deposits | 29.7472% | 7,733 |
| Net loans and leases to core deposits | 31.8584% | 7,718 |
| Total domestic deposits to total assets | 89.2463% | 1,399 |
| Equity capital to assets | 10.0850% | 3,761 |
| Core capital (leverage) ratio | 9.6890% | 3,532 |
| Tier 1 risk-based capital ratio | 23.0396% | 1,071 |
| Total risk-based capital ratio | 23.9867% | 1,087 |
| Memoranda: | ||
| Average total assets | $31,337,500 | 7,391 |
| Average earning assets | $28,833,000 | 7,361 |
| Average equity | $3,091,500 | 7,470 |
| Average total loans | $8,450,500 | 7,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 7,667 |
| Cost of funding earning assets | 1.4298% | 5,807 |
| Net interest margin | 2.6266% | 7,308 |
| Noninterest income to average assets | 0.1574% | 6,945 |
| Noninterest expense to average assets | 2.2139% | 6,958 |
| Loan and lease loss provision to assets | 0.0739% | 6,847 |
| Net operating income to assets | 0.2603% | 4,682 |
| Return on assets (ROA) | 0.2603% | 4,770 |
| Pretax return on assets | 0.2603% | 4,871 |
| Return on Equity (ROE) | 2.3525% | 4,765 |
| Retained earnings to average equity (ytd only) | -6.3604% | 6,182 |
| Net charge-offs to loans | 0.2723% | 4,914 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.5217% | 2,917 |
| Efficiency ratio | 86.8852% | 2,011 |
| Assets per employee ($millions) | 5.3112% | 1,830 |
| Cash dividends to net income (ytd only)* | 370.3704% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 7,341 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 26.5855% | 7,778 |
| Net loans and leases to deposits | 29.6369% | 7,816 |
| Net loans and leases to core deposits | 35.2413% | 7,818 |
| Total domestic deposits to total assets | 89.7041% | 1,107 |
| Equity capital to assets | 9.6526% | 4,212 |
| Core capital (leverage) ratio | 9.9649% | 3,129 |
| Tier 1 risk-based capital ratio | 22.1639% | 1,131 |
| Total risk-based capital ratio | 23.0758% | 1,152 |
| Memoranda: | ||
| Average total assets | $31,122,200 | 7,437 |
| Average earning assets | $28,325,600 | 7,421 |
| Average equity | $3,443,200 | 7,459 |
| Average total loans | $8,446,600 | 7,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 7,758 |
| Cost of funding earning assets | 1.4837% | 5,889 |
| Net interest margin | 2.6584% | 7,279 |
| Noninterest income to average assets | 0.1336% | 7,210 |
| Noninterest expense to average assets | 1.8748% | 7,575 |
| Loan and lease loss provision to assets | 0.1034% | 6,338 |
| Net operating income to assets | 0.5646% | 3,743 |
| Return on assets (ROA) | 0.5646% | 3,818 |
| Pretax return on assets | 0.5646% | 4,318 |
| Return on Equity (ROE) | 4.9409% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.9409% | 2,522 |
| Net charge-offs to loans | 0.3647% | 3,828 |
| Credit loss provision to net charge-offs | 104.3478% | 4,871 |
| Earnings coverage of net charge-offs (x) | 6.7382% | 2,549 |
| Efficiency ratio | 73.7288% | 3,913 |
| Assets per employee ($millions) | 6.0652% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 7,397 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.3198% | 7,859 |
| Net loans and leases to deposits | 31.2253% | 7,890 |
| Net loans and leases to core deposits | 37.8604% | 7,879 |
| Total domestic deposits to total assets | 87.4926% | 1,895 |
| Equity capital to assets | 11.8347% | 2,334 |
| Core capital (leverage) ratio | 11.2413% | 2,229 |
| Tier 1 risk-based capital ratio | 26.7029% | 773 |
| Total risk-based capital ratio | 27.6963% | 768 |
| Memoranda: | ||
| Average total assets | $30,936,000 | 7,507 |
| Average earning assets | $28,036,500 | 7,494 |
| Average equity | $3,535,000 | 7,499 |
| Average total loans | $8,409,000 | 7,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 7,845 |
| Cost of funding earning assets | 1.5364% | 5,993 |
| Net interest margin | 2.6298% | 7,322 |
| Noninterest income to average assets | 0.1285% | 7,323 |
| Noninterest expense to average assets | 1.7470% | 7,792 |
| Loan and lease loss provision to assets | 0.1541% | 5,531 |
| Net operating income to assets | 0.5909% | 3,712 |
| Return on assets (ROA) | 0.5909% | 3,827 |
| Pretax return on assets | 0.5909% | 4,346 |
| Return on Equity (ROE) | 5.2317% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.2317% | 2,380 |
| Net charge-offs to loans | 0.5709% | 2,621 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,989 |
| Efficiency ratio | 70.1031% | 4,756 |
| Assets per employee ($millions) | 6.0714% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 7,425 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 27.1173% | 7,944 |
| Net loans and leases to deposits | 30.9125% | 7,982 |
| Net loans and leases to core deposits | 37.1363% | 7,961 |
| Total domestic deposits to total assets | 87.7228% | 1,919 |
| Equity capital to assets | 11.5986% | 2,470 |
| Core capital (leverage) ratio | 10.9476% | 2,448 |
| Tier 1 risk-based capital ratio | 26.5925% | 808 |
| Total risk-based capital ratio | 27.5854% | 803 |
| Memoranda: | ||
| Average total assets | $31,139,330 | 7,559 |
| Average earning assets | $27,987,330 | 7,561 |
| Average equity | $3,517,000 | 7,568 |
| Average total loans | $8,408,330 | 7,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 7,785 |
| Cost of funding earning assets | 1.6105% | 5,986 |
| Net interest margin | 2.8076% | 6,977 |
| Noninterest income to average assets | 0.1142% | 7,460 |
| Noninterest expense to average assets | 1.6873% | 7,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9261% | 2,592 |
| Return on assets (ROA) | 0.9261% | 2,727 |
| Pretax return on assets | 0.9261% | 3,616 |
| Return on Equity (ROE) | 8.3073% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.3073% | 1,704 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5631% | 5,586 |
| Assets per employee ($millions) | 6.1410% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,924 |
| Loan loss allowance to noncurrent loans | 297.6190% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,172 |
| Noncurrent loans to loans | 0.5074% | 6,158 |
| Net loans and leases to total assets | 26.5494% | 7,992 |
| Net loans and leases to deposits | 30.2015% | 8,033 |
| Net loans and leases to core deposits | 36.2617% | 8,024 |
| Total domestic deposits to total assets | 87.9075% | 1,783 |
| Equity capital to assets | 11.4542% | 2,619 |
| Core capital (leverage) ratio | 10.7073% | 2,733 |
| Tier 1 risk-based capital ratio | 26.3204% | 866 |
| Total risk-based capital ratio | 27.3087% | 872 |
| Memoranda: | ||
| Average total assets | $31,530,500 | 7,588 |
| Average earning assets | $28,066,500 | 7,608 |
| Average equity | $3,515,000 | 7,625 |
| Average total loans | $8,434,000 | 7,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 7,869 |
| Cost of funding earning assets | 1.9441% | 6,600 |
| Net interest margin | 3.0089% | 6,886 |
| Noninterest income to average assets | 0.1425% | 7,392 |
| Noninterest expense to average assets | 1.9330% | 7,560 |
| Loan and lease loss provision to assets | -0.0032% | 8,195 |
| Net operating income to assets | 0.9940% | 2,580 |
| Return on assets (ROA) | 0.9940% | 2,463 |
| Pretax return on assets | 0.9940% | 3,400 |
| Return on Equity (ROE) | 8.7117% | 2,749 |
| Retained earnings to average equity (ytd only) | 0.1986% | 5,115 |
| Net charge-offs to loans | -0.0116% | 7,869 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1130% | 5,108 |
| Assets per employee ($millions) | 6.4712% | 902 |
| Cash dividends to net income (ytd only)* | 97.7199% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,895 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 7,082 |
| Noncurrent loans to loans | 0.4656% | 5,951 |
| Net loans and leases to total assets | 26.1652% | 8,067 |
| Net loans and leases to deposits | 29.5570% | 8,119 |
| Net loans and leases to core deposits | 34.1000% | 8,124 |
| Total domestic deposits to total assets | 88.5245% | 1,238 |
| Equity capital to assets | 10.8573% | 3,160 |
| Core capital (leverage) ratio | 10.6898% | 2,833 |
| Tier 1 risk-based capital ratio | 24.8664% | 994 |
| Total risk-based capital ratio | 25.8210% | 1,005 |
| Memoranda: | ||
| Average total assets | $30,885,400 | 7,606 |
| Average earning assets | $28,548,200 | 7,586 |
| Average equity | $3,524,000 | 7,673 |
| Average total loans | $8,601,600 | 8,009 |