Home > South End Savings, s.b. > Performance and Condition Ratios
South End Savings, s.b., Performance and Condition Ratios
| 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 | 2.9194% | 5,924 |
| Cost of funding earning assets | 0.4703% | 2,516 |
| Net interest margin | 2.4491% | 6,003 |
| Noninterest income to average assets | 0.1244% | 5,927 |
| Noninterest expense to average assets | 2.9211% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4148% | 6,164 |
| Return on assets (ROA) | -0.4148% | 6,176 |
| Pretax return on assets | -0.4207% | 6,169 |
| Return on Equity (ROE) | -2.6946% | 6,147 |
| Retained earnings to average equity (ytd only) | -2.6946% | 5,892 |
| Net charge-offs to loans | 0.0846% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -14.2000% | 3,853 |
| Efficiency ratio | 116.8246% | 121 |
| Assets per employee ($millions) | 4.1418% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 5,472 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 2,980 |
| Noncurrent loans to loans | 2.3763% | 967 |
| Net loans and leases to total assets | 33.4973% | 5,925 |
| Net loans and leases to deposits | 39.8042% | 5,908 |
| Net loans and leases to core deposits | 41.6739% | 5,911 |
| Total domestic deposits to total assets | 84.1552% | 3,496 |
| Equity capital to assets | 15.5761% | 591 |
| Core capital (leverage) ratio | 15.2004% | 590 |
| Tier 1 risk-based capital ratio | 48.3829% | 162 |
| Total risk-based capital ratio | 49.2735% | 163 |
| Memoranda: | ||
| Average total assets | $33,754,000 | 6,040 |
| Average earning assets | $32,746,670 | 5,984 |
| Average equity | $5,195,670 | 5,730 |
| Average total loans | $11,825,330 | 6,122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9466% | 5,950 |
| Cost of funding earning assets | 0.4729% | 2,528 |
| Net interest margin | 2.4737% | 6,051 |
| Noninterest income to average assets | 0.1174% | 6,010 |
| Noninterest expense to average assets | 2.9474% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4227% | 6,223 |
| Return on assets (ROA) | -0.4227% | 6,239 |
| Pretax return on assets | -0.4345% | 6,227 |
| Return on Equity (ROE) | -2.7623% | 6,209 |
| Retained earnings to average equity (ytd only) | -2.7623% | 5,770 |
| Net charge-offs to loans | 0.1647% | 1,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -7.4000% | 3,238 |
| Efficiency ratio | 117.2897% | 141 |
| Assets per employee ($millions) | 4.2285% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 5,703 |
| Loan loss allowance to noncurrent loans | 50.5319% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,817 |
| Noncurrent loans to loans | 1.5752% | 1,775 |
| Net loans and leases to total assets | 35.0006% | 5,877 |
| Net loans and leases to deposits | 41.4813% | 5,864 |
| Net loans and leases to core deposits | 42.7653% | 5,874 |
| Total domestic deposits to total assets | 84.3768% | 3,663 |
| Equity capital to assets | 15.3571% | 651 |
| Core capital (leverage) ratio | 15.2003% | 579 |
| Tier 1 risk-based capital ratio | 46.9753% | 170 |
| Total risk-based capital ratio | 47.8343% | 172 |
| Memoranda: | ||
| Average total assets | $34,064,000 | 6,094 |
| Average earning assets | $32,987,500 | 6,040 |
| Average equity | $5,213,000 | 5,778 |
| Average total loans | $12,141,000 | 6,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 5,969 |
| Cost of funding earning assets | 0.4876% | 2,803 |
| Net interest margin | 2.6023% | 6,070 |
| Noninterest income to average assets | 0.1450% | 5,969 |
| Noninterest expense to average assets | 2.9577% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3839% | 6,268 |
| Return on assets (ROA) | -0.3839% | 6,268 |
| Pretax return on assets | -0.2929% | 6,220 |
| Return on Equity (ROE) | -2.5443% | 6,231 |
| Retained earnings to average equity (ytd only) | -2.5443% | 6,057 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9925% | 208 |
| Assets per employee ($millions) | 4.2875% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 5,747 |
| Loan loss allowance to noncurrent loans | 38.6100% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 3,323 |
| Noncurrent loans to loans | 2.0977% | 1,299 |
| Net loans and leases to total assets | 35.7055% | 5,970 |
| Net loans and leases to deposits | 42.4653% | 5,951 |
| Net loans and leases to core deposits | 43.7612% | 5,961 |
| Total domestic deposits to total assets | 84.0816% | 3,679 |
| Equity capital to assets | 15.2507% | 658 |
| Core capital (leverage) ratio | 15.1500% | 582 |
| Tier 1 risk-based capital ratio | 46.3371% | 161 |
| Total risk-based capital ratio | 47.2230% | 162 |
| Memoranda: | ||
| Average total assets | $35,162,800 | 6,153 |
| Average earning assets | $34,047,000 | 6,087 |
| Average equity | $5,306,000 | 5,789 |
| Average total loans | $13,214,800 | 6,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1250% | 5,995 |
| Cost of funding earning assets | 0.4826% | 2,929 |
| Net interest margin | 2.6424% | 6,079 |
| Noninterest income to average assets | 0.1507% | 6,013 |
| Noninterest expense to average assets | 2.8943% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3053% | 6,317 |
| Return on assets (ROA) | -0.3053% | 6,311 |
| Pretax return on assets | -0.1847% | 6,249 |
| Return on Equity (ROE) | -2.0283% | 6,285 |
| Retained earnings to average equity (ytd only) | -2.0283% | 6,074 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8150% | 260 |
| Assets per employee ($millions) | 4.3419% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 5,970 |
| Loan loss allowance to noncurrent loans | 109.8901% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 5,200 |
| Noncurrent loans to loans | 0.6906% | 3,884 |
| Net loans and leases to total assets | 37.6450% | 5,955 |
| Net loans and leases to deposits | 44.7119% | 5,934 |
| Net loans and leases to core deposits | 46.0520% | 5,956 |
| Total domestic deposits to total assets | 84.1946% | 3,689 |
| Equity capital to assets | 15.2152% | 692 |
| Core capital (leverage) ratio | 15.1125% | 599 |
| Tier 1 risk-based capital ratio | 45.7022% | 173 |
| Total risk-based capital ratio | 46.5669% | 173 |
| Memoranda: | ||
| Average total assets | $35,378,500 | 6,220 |
| Average earning assets | $34,260,500 | 6,153 |
| Average equity | $5,324,750 | 5,838 |
| Average total loans | $13,431,750 | 6,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 6,037 |
| Cost of funding earning assets | 0.4701% | 3,106 |
| Net interest margin | 2.6521% | 6,111 |
| Noninterest income to average assets | 0.1573% | 6,008 |
| Noninterest expense to average assets | 2.8320% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2866% | 6,366 |
| Return on assets (ROA) | -0.2866% | 6,372 |
| Pretax return on assets | -0.1068% | 6,260 |
| Return on Equity (ROE) | -1.9108% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.9108% | 5,980 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9175% | 320 |
| Assets per employee ($millions) | 4.3756% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 6,090 |
| Loan loss allowance to noncurrent loans | 108.6957% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 5,301 |
| Noncurrent loans to loans | 0.6895% | 3,995 |
| Net loans and leases to total assets | 37.8317% | 5,970 |
| Net loans and leases to deposits | 44.8976% | 5,941 |
| Net loans and leases to core deposits | 46.2266% | 5,988 |
| Total domestic deposits to total assets | 84.2622% | 3,829 |
| Equity capital to assets | 15.1835% | 661 |
| Core capital (leverage) ratio | 15.0754% | 597 |
| Tier 1 risk-based capital ratio | 45.4468% | 171 |
| Total risk-based capital ratio | 46.3018% | 174 |
| Memoranda: | ||
| Average total assets | $35,593,000 | 6,276 |
| Average earning assets | $34,463,000 | 6,212 |
| Average equity | $5,338,000 | 5,878 |
| Average total loans | $13,517,000 | 6,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1545% | 6,057 |
| Cost of funding earning assets | 0.4835% | 3,081 |
| Net interest margin | 2.6710% | 6,139 |
| Noninterest income to average assets | 0.1895% | 5,832 |
| Noninterest expense to average assets | 2.7865% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3678% | 6,425 |
| Return on assets (ROA) | -0.3678% | 6,423 |
| Pretax return on assets | -0.0111% | 6,226 |
| Return on Equity (ROE) | -2.4675% | 6,380 |
| Retained earnings to average equity (ytd only) | -2.4675% | 5,909 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4016% | 456 |
| Assets per employee ($millions) | 4.4234% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 6,214 |
| Loan loss allowance to noncurrent loans | 106.3830% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 5,379 |
| Noncurrent loans to loans | 0.6927% | 4,139 |
| Net loans and leases to total assets | 38.0648% | 5,939 |
| Net loans and leases to deposits | 45.0999% | 5,912 |
| Net loans and leases to core deposits | 46.0010% | 5,991 |
| Total domestic deposits to total assets | 84.4011% | 4,122 |
| Equity capital to assets | 15.0705% | 655 |
| Core capital (leverage) ratio | 15.2280% | 573 |
| Tier 1 risk-based capital ratio | 44.9739% | 173 |
| Total risk-based capital ratio | 45.8172% | 179 |
| Memoranda: | ||
| Average total assets | $35,887,000 | 6,333 |
| Average earning assets | $34,744,000 | 6,262 |
| Average equity | $5,349,500 | 5,915 |
| Average total loans | $13,604,000 | 6,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1247% | 6,214 |
| Cost of funding earning assets | 0.5937% | 2,723 |
| Net interest margin | 2.5310% | 6,346 |
| Noninterest income to average assets | 0.1482% | 6,202 |
| Noninterest expense to average assets | 2.6322% | 4,346 |
| Loan and lease loss provision to assets | 0.2635% | 1,348 |
| Net operating income to assets | -0.2113% | 6,371 |
| Return on assets (ROA) | -0.2113% | 6,382 |
| Pretax return on assets | -0.3019% | 6,413 |
| Return on Equity (ROE) | -1.4286% | 6,350 |
| Retained earnings to average equity (ytd only) | -1.4286% | 6,119 |
| Net charge-offs to loans | 0.8669% | 708 |
| Credit loss provision to net charge-offs | 76.8000% | 3,120 |
| Earnings coverage of net charge-offs (x) | -0.1120% | 5,121 |
| Efficiency ratio | 101.4815% | 435 |
| Assets per employee ($millions) | 4.5484% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 6,304 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 5,478 |
| Noncurrent loans to loans | 0.6966% | 4,236 |
| Net loans and leases to total assets | 37.2056% | 6,147 |
| Net loans and leases to deposits | 43.9232% | 6,127 |
| Net loans and leases to core deposits | 45.1583% | 6,179 |
| Total domestic deposits to total assets | 84.7061% | 3,888 |
| Equity capital to assets | 14.7470% | 721 |
| Core capital (leverage) ratio | 14.6177% | 663 |
| Tier 1 risk-based capital ratio | 44.3032% | 176 |
| Total risk-based capital ratio | 45.1288% | 181 |
| Memoranda: | ||
| Average total assets | $36,433,400 | 6,376 |
| Average earning assets | $35,203,600 | 6,311 |
| Average equity | $5,390,000 | 5,964 |
| Average total loans | $14,420,000 | 6,439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1187% | 6,297 |
| Cost of funding earning assets | 0.6025% | 2,786 |
| Net interest margin | 2.5161% | 6,412 |
| Noninterest income to average assets | 0.1573% | 6,246 |
| Noninterest expense to average assets | 2.6267% | 4,295 |
| Loan and lease loss provision to assets | 0.3512% | 913 |
| Net operating income to assets | -0.2707% | 6,509 |
| Return on assets (ROA) | -0.2707% | 6,524 |
| Pretax return on assets | -0.3914% | 6,557 |
| Return on Equity (ROE) | -1.8284% | 6,472 |
| Retained earnings to average equity (ytd only) | -1.8284% | 6,246 |
| Net charge-offs to loans | 1.1403% | 488 |
| Credit loss provision to net charge-offs | 76.8000% | 2,921 |
| Earnings coverage of net charge-offs (x) | -0.0880% | 4,881 |
| Efficiency ratio | 101.5559% | 415 |
| Assets per employee ($millions) | 4.6044% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 6,418 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 5,094 |
| Noncurrent loans to loans | 1.1768% | 3,469 |
| Net loans and leases to total assets | 37.5621% | 6,191 |
| Net loans and leases to deposits | 44.2257% | 6,191 |
| Net loans and leases to core deposits | 45.4459% | 6,236 |
| Total domestic deposits to total assets | 84.9328% | 3,780 |
| Equity capital to assets | 14.5758% | 799 |
| Core capital (leverage) ratio | 14.7338% | 689 |
| Tier 1 risk-based capital ratio | 43.6008% | 191 |
| Total risk-based capital ratio | 44.4129% | 198 |
| Memoranda: | ||
| Average total assets | $36,445,000 | 6,450 |
| Average earning assets | $35,185,250 | 6,385 |
| Average equity | $5,396,000 | 6,034 |
| Average total loans | $14,615,500 | 6,499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 6,288 |
| Cost of funding earning assets | 0.5999% | 2,940 |
| Net interest margin | 2.5539% | 6,383 |
| Noninterest income to average assets | 0.1212% | 6,447 |
| Noninterest expense to average assets | 2.5774% | 4,468 |
| Loan and lease loss provision to assets | 0.5287% | 505 |
| Net operating income to assets | -0.3415% | 6,575 |
| Return on assets (ROA) | -0.3415% | 6,605 |
| Pretax return on assets | -0.5232% | 6,636 |
| Return on Equity (ROE) | -2.2942% | 6,539 |
| Retained earnings to average equity (ytd only) | -2.2942% | 6,224 |
| Net charge-offs to loans | 1.6844% | 292 |
| Credit loss provision to net charge-offs | 76.8000% | 2,690 |
| Earnings coverage of net charge-offs (x) | 0.0080% | 4,552 |
| Efficiency ratio | 99.7868% | 491 |
| Assets per employee ($millions) | 5.1871% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,510 |
| Loan loss allowance to noncurrent loans | 60.2410% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 4,706 |
| Noncurrent loans to loans | 1.1424% | 3,643 |
| Net loans and leases to total assets | 39.7439% | 6,063 |
| Net loans and leases to deposits | 46.9240% | 6,048 |
| Net loans and leases to core deposits | 48.2384% | 6,121 |
| Total domestic deposits to total assets | 84.6984% | 4,041 |
| Equity capital to assets | 14.8196% | 748 |
| Core capital (leverage) ratio | 14.8037% | 644 |
| Tier 1 risk-based capital ratio | 42.9621% | 196 |
| Total risk-based capital ratio | 43.7605% | 202 |
| Memoranda: | ||
| Average total assets | $36,315,000 | 6,502 |
| Average earning assets | $35,005,330 | 6,432 |
| Average equity | $5,405,000 | 6,076 |
| Average total loans | $14,842,000 | 6,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1314% | 6,371 |
| Cost of funding earning assets | 0.6057% | 3,060 |
| Net interest margin | 2.5257% | 6,475 |
| Noninterest income to average assets | 0.1212% | 6,495 |
| Noninterest expense to average assets | 2.4892% | 4,793 |
| Loan and lease loss provision to assets | 1.0023% | 178 |
| Net operating income to assets | -0.5727% | 6,702 |
| Return on assets (ROA) | -0.5727% | 6,722 |
| Pretax return on assets | -0.9362% | 6,790 |
| Return on Equity (ROE) | -3.8398% | 6,643 |
| Retained earnings to average equity (ytd only) | -3.8398% | 6,262 |
| Net charge-offs to loans | 3.3339% | 100 |
| Credit loss provision to net charge-offs | 72.8000% | 2,254 |
| Earnings coverage of net charge-offs (x) | 0.0480% | 3,807 |
| Efficiency ratio | 97.4138% | 664 |
| Assets per employee ($millions) | 4.5439% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 6,653 |
| Loan loss allowance to noncurrent loans | 43.3790% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,883 |
| Noncurrent loans to loans | 1.4876% | 3,322 |
| Net loans and leases to total assets | 40.2382% | 5,977 |
| Net loans and leases to deposits | 47.4949% | 5,959 |
| Net loans and leases to core deposits | 49.3222% | 6,013 |
| Total domestic deposits to total assets | 84.7212% | 4,171 |
| Equity capital to assets | 14.8304% | 800 |
| Core capital (leverage) ratio | 14.7440% | 628 |
| Tier 1 risk-based capital ratio | 42.8776% | 198 |
| Total risk-based capital ratio | 43.6332% | 205 |
| Memoranda: | ||
| Average total assets | $36,317,500 | 6,566 |
| Average earning assets | $35,000,000 | 6,490 |
| Average equity | $5,417,000 | 6,137 |
| Average total loans | $14,997,500 | 6,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 6,602 |
| Cost of funding earning assets | 0.7321% | 3,237 |
| Net interest margin | 2.5494% | 6,678 |
| Noninterest income to average assets | 0.1430% | 6,323 |
| Noninterest expense to average assets | 2.5574% | 4,906 |
| Loan and lease loss provision to assets | 0.1925% | 3,227 |
| Net operating income to assets | -0.1402% | 6,328 |
| Return on assets (ROA) | -0.1402% | 6,413 |
| Pretax return on assets | -0.1457% | 6,393 |
| Return on Equity (ROE) | -0.9315% | 6,381 |
| Retained earnings to average equity (ytd only) | -0.9315% | 6,006 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2049% | 625 |
| Assets per employee ($millions) | 4.5355% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,405 |
| Loan loss allowance to noncurrent loans | 42.0195% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 4,361 |
| Noncurrent loans to loans | 2.0101% | 2,686 |
| Net loans and leases to total assets | 41.7374% | 6,031 |
| Net loans and leases to deposits | 49.3837% | 6,003 |
| Net loans and leases to core deposits | 51.2869% | 6,067 |
| Total domestic deposits to total assets | 84.5166% | 4,078 |
| Equity capital to assets | 15.0011% | 734 |
| Core capital (leverage) ratio | 15.0492% | 562 |
| Tier 1 risk-based capital ratio | 42.3844% | 196 |
| Total risk-based capital ratio | 42.7815% | 208 |
| Memoranda: | ||
| Average total assets | $36,365,200 | 6,601 |
| Average earning assets | $35,106,600 | 6,528 |
| Average equity | $5,475,200 | 6,154 |
| Average total loans | $16,551,000 | 6,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 6,661 |
| Cost of funding earning assets | 0.7550% | 3,307 |
| Net interest margin | 2.6104% | 6,747 |
| Noninterest income to average assets | 0.1466% | 6,411 |
| Noninterest expense to average assets | 2.5724% | 4,838 |
| Loan and lease loss provision to assets | 0.2565% | 2,525 |
| Net operating income to assets | -0.1612% | 6,462 |
| Return on assets (ROA) | -0.1612% | 6,539 |
| Pretax return on assets | -0.1612% | 6,520 |
| Return on Equity (ROE) | -1.0700% | 6,511 |
| Retained earnings to average equity (ytd only) | -1.0700% | 6,287 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4286% | 661 |
| Assets per employee ($millions) | 4.5299% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 6,616 |
| Loan loss allowance to noncurrent loans | 104.0323% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 5,828 |
| Noncurrent loans to loans | 0.7644% | 4,885 |
| Net loans and leases to total assets | 44.4052% | 5,933 |
| Net loans and leases to deposits | 52.5316% | 5,939 |
| Net loans and leases to core deposits | 54.6177% | 5,998 |
| Total domestic deposits to total assets | 84.5305% | 3,961 |
| Equity capital to assets | 15.0390% | 813 |
| Core capital (leverage) ratio | 14.9192% | 622 |
| Tier 1 risk-based capital ratio | 42.2121% | 206 |
| Total risk-based capital ratio | 42.6071% | 214 |
| Memoranda: | ||
| Average total assets | $36,385,500 | 6,680 |
| Average earning assets | $35,141,250 | 6,609 |
| Average equity | $5,483,250 | 6,222 |
| Average total loans | $16,870,500 | 6,644 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 6,670 |
| Cost of funding earning assets | 0.7787% | 3,377 |
| Net interest margin | 2.6714% | 6,741 |
| Noninterest income to average assets | 0.1427% | 6,482 |
| Noninterest expense to average assets | 2.5525% | 4,950 |
| Loan and lease loss provision to assets | 0.0823% | 4,567 |
| Net operating income to assets | 0.0384% | 6,274 |
| Return on assets (ROA) | 0.0384% | 6,416 |
| Pretax return on assets | 0.0878% | 6,344 |
| Return on Equity (ROE) | 0.2548% | 6,429 |
| Retained earnings to average equity (ytd only) | 0.2548% | 5,960 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 818 |
| Assets per employee ($millions) | 4.5634% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4447% | 7,052 |
| Loan loss allowance to noncurrent loans | 30.8333% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,134 |
| Noncurrent loans to loans | 1.4422% | 3,750 |
| Net loans and leases to total assets | 45.3803% | 5,884 |
| Net loans and leases to deposits | 53.6879% | 5,902 |
| Net loans and leases to core deposits | 55.8733% | 5,956 |
| Total domestic deposits to total assets | 84.5263% | 4,090 |
| Equity capital to assets | 15.0683% | 768 |
| Core capital (leverage) ratio | 15.0564% | 591 |
| Tier 1 risk-based capital ratio | 41.9284% | 202 |
| Total risk-based capital ratio | 42.3476% | 210 |
| Memoranda: | ||
| Average total assets | $36,434,330 | 6,724 |
| Average earning assets | $35,187,330 | 6,652 |
| Average equity | $5,494,330 | 6,244 |
| Average total loans | $17,087,000 | 6,689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 6,687 |
| Cost of funding earning assets | 0.7971% | 3,497 |
| Net interest margin | 2.7103% | 6,754 |
| Noninterest income to average assets | 0.1429% | 6,521 |
| Noninterest expense to average assets | 2.5935% | 4,843 |
| Loan and lease loss provision to assets | 0.1648% | 3,329 |
| Net operating income to assets | -0.0659% | 6,498 |
| Return on assets (ROA) | -0.0659% | 6,590 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | -0.4371% | 6,584 |
| Retained earnings to average equity (ytd only) | -0.4371% | 6,073 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0239% | 822 |
| Assets per employee ($millions) | 4.5574% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4377% | 7,109 |
| Loan loss allowance to noncurrent loans | 28.4615% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 5,122 |
| Noncurrent loans to loans | 1.5379% | 3,806 |
| Net loans and leases to total assets | 46.1669% | 5,764 |
| Net loans and leases to deposits | 54.5997% | 5,748 |
| Net loans and leases to core deposits | 57.3121% | 5,784 |
| Total domestic deposits to total assets | 84.5553% | 4,247 |
| Equity capital to assets | 15.0525% | 737 |
| Core capital (leverage) ratio | 14.9289% | 608 |
| Tier 1 risk-based capital ratio | 41.4658% | 206 |
| Total risk-based capital ratio | 41.8814% | 215 |
| Memoranda: | ||
| Average total assets | $36,398,000 | 6,785 |
| Average earning assets | $35,125,500 | 6,705 |
| Average equity | $5,491,000 | 6,282 |
| Average total loans | $17,310,000 | 6,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 6,753 |
| Cost of funding earning assets | 0.8659% | 4,350 |
| Net interest margin | 2.9094% | 6,674 |
| Noninterest income to average assets | 0.1366% | 6,470 |
| Noninterest expense to average assets | 2.6043% | 5,083 |
| Loan and lease loss provision to assets | 0.1087% | 5,237 |
| Net operating income to assets | 0.2008% | 5,590 |
| Return on assets (ROA) | 0.2008% | 5,720 |
| Pretax return on assets | 0.2342% | 5,706 |
| Return on Equity (ROE) | 1.3213% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.3213% | 5,233 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3633% | 1,329 |
| Assets per employee ($millions) | 4.5421% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3331% | 7,203 |
| Loan loss allowance to noncurrent loans | 40.4110% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 5,964 |
| Noncurrent loans to loans | 0.8242% | 5,039 |
| Net loans and leases to total assets | 48.5868% | 5,767 |
| Net loans and leases to deposits | 57.5531% | 5,746 |
| Net loans and leases to core deposits | 59.8049% | 5,867 |
| Total domestic deposits to total assets | 84.4208% | 4,127 |
| Equity capital to assets | 15.1196% | 747 |
| Core capital (leverage) ratio | 15.2226% | 573 |
| Tier 1 risk-based capital ratio | 41.1382% | 215 |
| Total risk-based capital ratio | 41.2879% | 224 |
| Memoranda: | ||
| Average total assets | $35,863,600 | 6,800 |
| Average earning assets | $34,646,600 | 6,727 |
| Average equity | $5,449,200 | 6,307 |
| Average total loans | $18,223,600 | 6,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 6,857 |
| Cost of funding earning assets | 0.8840% | 4,517 |
| Net interest margin | 2.9028% | 6,741 |
| Noninterest income to average assets | 0.1343% | 6,578 |
| Noninterest expense to average assets | 2.6035% | 5,065 |
| Loan and lease loss provision to assets | 0.1455% | 4,626 |
| Net operating income to assets | 0.1790% | 5,756 |
| Return on assets (ROA) | 0.1790% | 5,879 |
| Pretax return on assets | 0.1902% | 5,913 |
| Return on Equity (ROE) | 1.1769% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.1769% | 5,540 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5787% | 1,285 |
| Assets per employee ($millions) | 4.4965% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3260% | 7,277 |
| Loan loss allowance to noncurrent loans | 39.8649% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 6,050 |
| Noncurrent loans to loans | 0.8178% | 5,232 |
| Net loans and leases to total assets | 50.1446% | 5,687 |
| Net loans and leases to deposits | 59.4450% | 5,695 |
| Net loans and leases to core deposits | 61.7909% | 5,832 |
| Total domestic deposits to total assets | 84.3545% | 4,078 |
| Equity capital to assets | 15.2063% | 794 |
| Core capital (leverage) ratio | 15.2118% | 626 |
| Tier 1 risk-based capital ratio | 40.7813% | 235 |
| Total risk-based capital ratio | 40.9304% | 252 |
| Memoranda: | ||
| Average total assets | $35,745,250 | 6,865 |
| Average earning assets | $34,540,250 | 6,792 |
| Average equity | $5,438,000 | 6,357 |
| Average total loans | $18,351,000 | 6,802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 6,916 |
| Cost of funding earning assets | 0.9051% | 4,620 |
| Net interest margin | 2.8950% | 6,799 |
| Noninterest income to average assets | 0.1346% | 6,651 |
| Noninterest expense to average assets | 2.6521% | 4,997 |
| Loan and lease loss provision to assets | 0.2187% | 3,734 |
| Net operating income to assets | 0.0785% | 6,061 |
| Return on assets (ROA) | 0.0785% | 6,143 |
| Pretax return on assets | 0.0617% | 6,168 |
| Return on Equity (ROE) | 0.5159% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.5159% | 5,647 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4398% | 1,213 |
| Assets per employee ($millions) | 4.5023% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3231% | 7,335 |
| Loan loss allowance to noncurrent loans | 31.3830% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 5,867 |
| Noncurrent loans to loans | 1.0297% | 4,938 |
| Net loans and leases to total assets | 50.5275% | 5,747 |
| Net loans and leases to deposits | 59.7629% | 5,751 |
| Net loans and leases to core deposits | 61.0254% | 5,999 |
| Total domestic deposits to total assets | 84.5466% | 4,100 |
| Equity capital to assets | 15.0925% | 799 |
| Core capital (leverage) ratio | 15.4073% | 601 |
| Tier 1 risk-based capital ratio | 40.3653% | 242 |
| Total risk-based capital ratio | 40.5138% | 252 |
| Memoranda: | ||
| Average total assets | $35,669,670 | 6,928 |
| Average earning assets | $34,473,000 | 6,851 |
| Average equity | $5,427,330 | 6,394 |
| Average total loans | $18,435,670 | 6,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 6,922 |
| Cost of funding earning assets | 0.9208% | 4,769 |
| Net interest margin | 2.9024% | 6,757 |
| Noninterest income to average assets | 0.1240% | 6,798 |
| Noninterest expense to average assets | 2.5243% | 5,472 |
| Loan and lease loss provision to assets | 0.4395% | 2,009 |
| Net operating income to assets | 0.0225% | 6,297 |
| Return on assets (ROA) | 0.0225% | 6,331 |
| Pretax return on assets | -0.0338% | 6,392 |
| Return on Equity (ROE) | 0.1475% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.1475% | 5,745 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 1,701 |
| Assets per employee ($millions) | 4.4133% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3202% | 7,393 |
| Loan loss allowance to noncurrent loans | 34.7059% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 6,023 |
| Noncurrent loans to loans | 0.9227% | 5,188 |
| Net loans and leases to total assets | 52.0167% | 5,584 |
| Net loans and leases to deposits | 61.7269% | 5,536 |
| Net loans and leases to core deposits | 62.8917% | 5,840 |
| Total domestic deposits to total assets | 84.2690% | 4,379 |
| Equity capital to assets | 15.3628% | 691 |
| Core capital (leverage) ratio | 15.2407% | 618 |
| Tier 1 risk-based capital ratio | 40.5199% | 229 |
| Total risk-based capital ratio | 40.6694% | 243 |
| Memoranda: | ||
| Average total assets | $35,495,500 | 6,984 |
| Average earning assets | $34,316,500 | 6,910 |
| Average equity | $5,423,000 | 6,410 |
| Average total loans | $18,524,500 | 6,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 6,947 |
| Cost of funding earning assets | 1.1035% | 5,119 |
| Net interest margin | 3.0809% | 6,571 |
| Noninterest income to average assets | 0.1589% | 6,587 |
| Noninterest expense to average assets | 2.6333% | 5,280 |
| Loan and lease loss provision to assets | 0.0085% | 6,993 |
| Net operating income to assets | 0.3462% | 4,756 |
| Return on assets (ROA) | 0.3462% | 4,916 |
| Pretax return on assets | 0.4881% | 4,663 |
| Return on Equity (ROE) | 2.2777% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.2777% | 4,283 |
| Net charge-offs to loans | 0.0156% | 6,667 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 58.3333% | 400 |
| Efficiency ratio | 84.1342% | 1,902 |
| Assets per employee ($millions) | 4.4606% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1074% | 7,554 |
| Loan loss allowance to noncurrent loans | 11.4286% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 6,048 |
| Noncurrent loans to loans | 0.9396% | 5,168 |
| Net loans and leases to total assets | 52.1368% | 5,889 |
| Net loans and leases to deposits | 61.8291% | 5,861 |
| Net loans and leases to core deposits | 62.9824% | 6,153 |
| Total domestic deposits to total assets | 84.3239% | 4,215 |
| Equity capital to assets | 15.1941% | 744 |
| Core capital (leverage) ratio | 15.3715% | 603 |
| Tier 1 risk-based capital ratio | 40.1600% | 238 |
| Total risk-based capital ratio | 40.3081% | 251 |
| Memoranda: | ||
| Average total assets | $35,241,000 | 7,036 |
| Average earning assets | $33,983,800 | 6,949 |
| Average equity | $5,356,200 | 6,549 |
| Average total loans | $19,248,000 | 6,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 6,999 |
| Cost of funding earning assets | 1.1499% | 5,148 |
| Net interest margin | 3.1229% | 6,555 |
| Noninterest income to average assets | 0.1632% | 6,698 |
| Noninterest expense to average assets | 2.7137% | 4,824 |
| Loan and lease loss provision to assets | 0.0114% | 6,912 |
| Net operating income to assets | 0.3226% | 5,082 |
| Return on assets (ROA) | 0.3226% | 5,243 |
| Pretax return on assets | 0.4479% | 5,081 |
| Return on Equity (ROE) | 2.1224% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.1224% | 4,906 |
| Net charge-offs to loans | 0.0206% | 6,383 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 40.3325% | 681 |
| Efficiency ratio | 85.5263% | 1,681 |
| Assets per employee ($millions) | 4.3383% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1021% | 7,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.3591% | 5,496 |
| Net loans and leases to deposits | 67.1496% | 5,528 |
| Net loans and leases to core deposits | 67.1496% | 6,024 |
| Total domestic deposits to total assets | 83.9307% | 4,166 |
| Equity capital to assets | 15.5160% | 769 |
| Core capital (leverage) ratio | 15.4928% | 638 |
| Tier 1 risk-based capital ratio | 39.7652% | 251 |
| Total risk-based capital ratio | 39.9129% | 269 |
| Memoranda: | ||
| Average total assets | $35,130,000 | 7,125 |
| Average earning assets | $33,856,250 | 7,034 |
| Average equity | $5,339,750 | 6,634 |
| Average total loans | $19,403,750 | 7,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 6,987 |
| Cost of funding earning assets | 1.2233% | 4,998 |
| Net interest margin | 3.1111% | 6,579 |
| Noninterest income to average assets | 0.1588% | 6,758 |
| Noninterest expense to average assets | 2.7218% | 4,827 |
| Loan and lease loss provision to assets | 0.0170% | 6,750 |
| Net operating income to assets | 0.3062% | 5,154 |
| Return on assets (ROA) | 0.3062% | 5,310 |
| Pretax return on assets | 0.4196% | 5,160 |
| Return on Equity (ROE) | 2.0283% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.0283% | 4,847 |
| Net charge-offs to loans | 0.0310% | 5,905 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,025 |
| Efficiency ratio | 86.1759% | 1,691 |
| Assets per employee ($millions) | 4.2889% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1033% | 7,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.3609% | 5,646 |
| Net loans and leases to deposits | 67.1458% | 5,663 |
| Net loans and leases to core deposits | 67.1458% | 6,134 |
| Total domestic deposits to total assets | 83.9381% | 4,134 |
| Equity capital to assets | 15.6043% | 749 |
| Core capital (leverage) ratio | 15.5238% | 632 |
| Tier 1 risk-based capital ratio | 39.8482% | 251 |
| Total risk-based capital ratio | 39.9970% | 268 |
| Memoranda: | ||
| Average total assets | $35,271,330 | 7,168 |
| Average earning assets | $34,007,670 | 7,082 |
| Average equity | $5,324,670 | 6,680 |
| Average total loans | $19,345,000 | 7,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 6,996 |
| Cost of funding earning assets | 1.4043% | 4,144 |
| Net interest margin | 2.9943% | 6,838 |
| Noninterest income to average assets | 0.1566% | 6,849 |
| Noninterest expense to average assets | 2.7188% | 4,817 |
| Loan and lease loss provision to assets | 0.0336% | 6,340 |
| Net operating income to assets | 0.2238% | 5,604 |
| Return on assets (ROA) | 0.2238% | 5,722 |
| Pretax return on assets | 0.2909% | 5,632 |
| Return on Equity (ROE) | 1.5066% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.5066% | 5,190 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3382% | 1,481 |
| Assets per employee ($millions) | 4.4891% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1189% | 7,836 |
| Loan loss allowance to noncurrent loans | 22.5490% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 6,766 |
| Noncurrent loans to loans | 0.5273% | 6,233 |
| Net loans and leases to total assets | 53.7939% | 6,052 |
| Net loans and leases to deposits | 63.4617% | 6,113 |
| Net loans and leases to core deposits | 64.0126% | 6,451 |
| Total domestic deposits to total assets | 84.7660% | 3,773 |
| Equity capital to assets | 14.8136% | 928 |
| Core capital (leverage) ratio | 14.8082% | 790 |
| Tier 1 risk-based capital ratio | 38.5089% | 275 |
| Total risk-based capital ratio | 38.6754% | 294 |
| Memoranda: | ||
| Average total assets | $35,751,500 | 7,244 |
| Average earning assets | $34,465,500 | 7,148 |
| Average equity | $5,310,000 | 6,738 |
| Average total loans | $19,338,500 | 7,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 7,322 |
| Cost of funding earning assets | 1.8813% | 3,556 |
| Net interest margin | 2.6855% | 7,228 |
| Noninterest income to average assets | 0.1731% | 6,838 |
| Noninterest expense to average assets | 2.6890% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0503% | 5,335 |
| Return on assets (ROA) | 0.0503% | 5,394 |
| Pretax return on assets | 0.0670% | 5,283 |
| Return on Equity (ROE) | 0.3411% | 5,432 |
| Retained earnings to average equity (ytd only) | 0.3411% | 4,722 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5684% | 1,233 |
| Assets per employee ($millions) | 4.4488% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1034% | 7,915 |
| Loan loss allowance to noncurrent loans | 31.7460% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 7,034 |
| Noncurrent loans to loans | 0.3258% | 6,625 |
| Net loans and leases to total assets | 54.2709% | 6,174 |
| Net loans and leases to deposits | 64.0843% | 6,254 |
| Net loans and leases to core deposits | 78.1984% | 6,246 |
| Total domestic deposits to total assets | 84.6867% | 3,715 |
| Equity capital to assets | 14.8918% | 932 |
| Core capital (leverage) ratio | 14.5492% | 870 |
| Tier 1 risk-based capital ratio | 38.4643% | 278 |
| Total risk-based capital ratio | 38.6095% | 288 |
| Memoranda: | ||
| Average total assets | $35,812,800 | 7,253 |
| Average earning assets | $34,444,400 | 7,165 |
| Average equity | $5,277,800 | 6,841 |
| Average total loans | $18,779,800 | 7,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 7,426 |
| Cost of funding earning assets | 1.9526% | 3,610 |
| Net interest margin | 2.6408% | 7,307 |
| Noninterest income to average assets | 0.1784% | 6,944 |
| Noninterest expense to average assets | 2.7396% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0297% | 5,762 |
| Return on assets (ROA) | -0.0297% | 5,823 |
| Pretax return on assets | -0.0223% | 5,741 |
| Return on Equity (ROE) | -0.2024% | 5,811 |
| Retained earnings to average equity (ytd only) | -0.2024% | 5,262 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8208% | 1,025 |
| Assets per employee ($millions) | 4.5770% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1054% | 8,002 |
| Loan loss allowance to noncurrent loans | 31.7460% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 7,104 |
| Noncurrent loans to loans | 0.3320% | 6,697 |
| Net loans and leases to total assets | 51.7724% | 6,625 |
| Net loans and leases to deposits | 60.8435% | 6,762 |
| Net loans and leases to core deposits | 74.3937% | 6,706 |
| Total domestic deposits to total assets | 85.0912% | 3,181 |
| Equity capital to assets | 14.4035% | 1,171 |
| Core capital (leverage) ratio | 14.2149% | 1,036 |
| Tier 1 risk-based capital ratio | 38.4964% | 306 |
| Total risk-based capital ratio | 38.6423% | 318 |
| Memoranda: | ||
| Average total assets | $35,868,500 | 7,312 |
| Average earning assets | $34,483,500 | 7,230 |
| Average equity | $5,272,250 | 6,915 |
| Average total loans | $18,641,000 | 7,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 7,442 |
| Cost of funding earning assets | 2.0157% | 3,700 |
| Net interest margin | 2.6467% | 7,300 |
| Noninterest income to average assets | 0.1909% | 6,931 |
| Noninterest expense to average assets | 2.8018% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0730% | 5,959 |
| Return on assets (ROA) | -0.0730% | 6,023 |
| Pretax return on assets | -0.0674% | 5,958 |
| Return on Equity (ROE) | -0.4932% | 5,996 |
| Retained earnings to average equity (ytd only) | -0.4932% | 5,344 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4641% | 1,074 |
| Assets per employee ($millions) | 4.6586% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1029% | 8,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.1103% | 6,674 |
| Net loans and leases to deposits | 60.9994% | 6,817 |
| Net loans and leases to core deposits | 76.2954% | 6,653 |
| Total domestic deposits to total assets | 85.4276% | 3,050 |
| Equity capital to assets | 14.1378% | 1,261 |
| Core capital (leverage) ratio | 14.5762% | 1,005 |
| Tier 1 risk-based capital ratio | 38.1535% | 345 |
| Total risk-based capital ratio | 38.2983% | 361 |
| Memoranda: | ||
| Average total assets | $35,619,330 | 7,383 |
| Average earning assets | $34,231,000 | 7,304 |
| Average equity | $5,271,670 | 6,976 |
| Average total loans | $18,529,000 | 7,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 7,412 |
| Cost of funding earning assets | 2.0904% | 3,692 |
| Net interest margin | 2.6791% | 7,249 |
| Noninterest income to average assets | 0.1380% | 7,315 |
| Noninterest expense to average assets | 2.9085% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2069% | 6,563 |
| Return on assets (ROA) | -0.2069% | 6,648 |
| Pretax return on assets | -0.2069% | 6,582 |
| Return on Equity (ROE) | -1.3654% | 6,594 |
| Retained earnings to average equity (ytd only) | -1.3654% | 5,974 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6596% | 878 |
| Assets per employee ($millions) | 4.6931% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1094% | 8,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.6296% | 6,975 |
| Net loans and leases to deposits | 56.7989% | 7,111 |
| Net loans and leases to core deposits | 70.5705% | 6,990 |
| Total domestic deposits to total assets | 85.6173% | 2,914 |
| Equity capital to assets | 14.0205% | 1,359 |
| Core capital (leverage) ratio | 14.7728% | 1,016 |
| Tier 1 risk-based capital ratio | 37.8923% | 362 |
| Total risk-based capital ratio | 38.0363% | 381 |
| Memoranda: | ||
| Average total assets | $34,794,500 | 7,454 |
| Average earning assets | $33,295,000 | 7,395 |
| Average equity | $5,273,000 | 7,022 |
| Average total loans | $18,073,000 | 7,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 7,752 |
| Cost of funding earning assets | 2.1817% | 5,675 |
| Net interest margin | 2.9385% | 7,056 |
| Noninterest income to average assets | 0.1703% | 7,205 |
| Noninterest expense to average assets | 2.7761% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2007% | 5,845 |
| Return on assets (ROA) | 0.2007% | 5,662 |
| Pretax return on assets | 0.2159% | 5,696 |
| Return on Equity (ROE) | 1.2589% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.2589% | 4,466 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7846% | 1,342 |
| Assets per employee ($millions) | 4.0055% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1119% | 8,208 |
| Loan loss allowance to noncurrent loans | 25.3165% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 6,592 |
| Noncurrent loans to loans | 0.4421% | 6,033 |
| Net loans and leases to total assets | 55.6984% | 6,464 |
| Net loans and leases to deposits | 67.0549% | 6,553 |
| Net loans and leases to core deposits | 79.2927% | 6,667 |
| Total domestic deposits to total assets | 83.0639% | 3,741 |
| Equity capital to assets | 16.4836% | 842 |
| Core capital (leverage) ratio | 16.4313% | 768 |
| Tier 1 risk-based capital ratio | 42.9675% | 286 |
| Total risk-based capital ratio | 43.1302% | 294 |
| Memoranda: | ||
| Average total assets | $32,887,800 | 7,517 |
| Average earning assets | $31,580,600 | 7,430 |
| Average equity | $5,242,600 | 7,068 |
| Average total loans | $16,653,400 | 7,543 |