Home > Spivey State Bank > Performance and Condition Ratios
Spivey State Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 1,585 |
| Cost of funding earning assets | 0.3233% | 4,550 |
| Net interest margin | 4.2683% | 1,114 |
| Noninterest income to average assets | 1.1968% | 840 |
| Noninterest expense to average assets | 3.7131% | 1,123 |
| Loan and lease loss provision to assets | 0.1934% | 1,320 |
| Net operating income to assets | 1.3173% | 1,270 |
| Return on assets (ROA) | 1.3361% | 1,268 |
| Pretax return on assets | 1.3361% | 2,124 |
| Return on Equity (ROE) | 12.4393% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.8093% | 1,093 |
| Net charge-offs to loans | 0.3348% | 1,314 |
| Credit loss provision to net charge-offs | 80.2752% | 2,859 |
| Earnings coverage of net charge-offs (x) | 6.2706% | 3,236 |
| Efficiency ratio | 71.0810% | 3,359 |
| Assets per employee ($millions) | 4.2039% | 3,536 |
| Cash dividends to net income (ytd only)* | 37.2208% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 5,884 |
| Loan loss allowance to noncurrent loans | 13.0016% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 6.8769% | 154 |
| Noncurrent loans to loans | 5.7579% | 210 |
| Net loans and leases to total assets | 74.9391% | 1,428 |
| Net loans and leases to deposits | 84.9910% | 2,098 |
| Net loans and leases to core deposits | 88.4913% | 2,448 |
| Total domestic deposits to total assets | 88.1730% | 1,673 |
| Equity capital to assets | 11.6752% | 2,276 |
| Core capital (leverage) ratio | 11.5691% | 1,928 |
| Tier 1 risk-based capital ratio | 16.2261% | 2,848 |
| Total risk-based capital ratio | 16.9962% | 3,034 |
| Memoranda: | ||
| Average total assets | $90,489,800 | 4,829 |
| Average earning assets | $85,372,600 | 4,750 |
| Average equity | $9,719,200 | 4,810 |
| Average total loans | $65,116,200 | 4,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,785 |
| Cost of funding earning assets | 0.3229% | 4,645 |
| Net interest margin | 4.2017% | 1,289 |
| Noninterest income to average assets | 0.9900% | 1,251 |
| Noninterest expense to average assets | 3.6495% | 1,213 |
| Loan and lease loss provision to assets | 0.2124% | 1,084 |
| Net operating income to assets | 1.0925% | 2,061 |
| Return on assets (ROA) | 1.1174% | 2,032 |
| Pretax return on assets | 1.1174% | 3,119 |
| Return on Equity (ROE) | 10.6277% | 1,935 |
| Retained earnings to average equity (ytd only) | 4.3597% | 3,552 |
| Net charge-offs to loans | 0.3213% | 1,242 |
| Credit loss provision to net charge-offs | 92.9487% | 2,380 |
| Earnings coverage of net charge-offs (x) | 5.7117% | 3,209 |
| Efficiency ratio | 73.6624% | 2,874 |
| Assets per employee ($millions) | 4.5438% | 2,889 |
| Cash dividends to net income (ytd only)* | 58.9781% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 5,938 |
| Loan loss allowance to noncurrent loans | 14.0774% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 6.8193% | 176 |
| Noncurrent loans to loans | 5.4972% | 288 |
| Net loans and leases to total assets | 74.9227% | 1,375 |
| Net loans and leases to deposits | 84.0869% | 2,136 |
| Net loans and leases to core deposits | 87.4074% | 2,488 |
| Total domestic deposits to total assets | 89.1015% | 1,178 |
| Equity capital to assets | 10.6894% | 3,319 |
| Core capital (leverage) ratio | 10.9457% | 2,542 |
| Tier 1 risk-based capital ratio | 15.4141% | 3,363 |
| Total risk-based capital ratio | 16.2270% | 3,530 |
| Memoranda: | ||
| Average total assets | $91,042,000 | 4,869 |
| Average earning assets | $85,899,500 | 4,791 |
| Average equity | $9,572,250 | 4,882 |
| Average total loans | $64,731,250 | 4,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,141 |
| Cost of funding earning assets | 0.3232% | 4,721 |
| Net interest margin | 4.0878% | 1,550 |
| Noninterest income to average assets | 1.1109% | 963 |
| Noninterest expense to average assets | 3.6203% | 1,259 |
| Loan and lease loss provision to assets | 0.1207% | 2,037 |
| Net operating income to assets | 1.2294% | 1,506 |
| Return on assets (ROA) | 1.2668% | 1,459 |
| Pretax return on assets | 1.2668% | 2,385 |
| Return on Equity (ROE) | 12.1155% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.1155% | 413 |
| Net charge-offs to loans | 0.2396% | 1,606 |
| Credit loss provision to net charge-offs | 72.3684% | 2,430 |
| Earnings coverage of net charge-offs (x) | 8.0921% | 2,537 |
| Efficiency ratio | 72.8357% | 3,189 |
| Assets per employee ($millions) | 4.5811% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 5,924 |
| Loan loss allowance to noncurrent loans | 14.3408% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 6.1492% | 232 |
| Noncurrent loans to loans | 5.7303% | 292 |
| Net loans and leases to total assets | 68.6287% | 2,306 |
| Net loans and leases to deposits | 77.1607% | 2,904 |
| Net loans and leases to core deposits | 80.0700% | 3,205 |
| Total domestic deposits to total assets | 88.9426% | 1,387 |
| Equity capital to assets | 10.8893% | 2,990 |
| Core capital (leverage) ratio | 11.1133% | 2,319 |
| Tier 1 risk-based capital ratio | 17.2605% | 2,512 |
| Total risk-based capital ratio | 18.1308% | 2,641 |
| Memoranda: | ||
| Average total assets | $91,097,670 | 4,905 |
| Average earning assets | $86,011,000 | 4,828 |
| Average equity | $9,525,000 | 4,905 |
| Average total loans | $63,436,000 | 4,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,166 |
| Cost of funding earning assets | 0.3266% | 4,773 |
| Net interest margin | 4.0642% | 1,560 |
| Noninterest income to average assets | 0.9996% | 1,130 |
| Noninterest expense to average assets | 3.5140% | 1,460 |
| Loan and lease loss provision to assets | 0.1761% | 1,370 |
| Net operating income to assets | 1.1449% | 1,647 |
| Return on assets (ROA) | 1.2198% | 1,480 |
| Pretax return on assets | 1.2198% | 2,391 |
| Return on Equity (ROE) | 11.9153% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.9153% | 622 |
| Net charge-offs to loans | 0.3908% | 935 |
| Credit loss provision to net charge-offs | 64.5161% | 2,061 |
| Earnings coverage of net charge-offs (x) | 4.8387% | 2,465 |
| Efficiency ratio | 72.6776% | 3,365 |
| Assets per employee ($millions) | 4.6765% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 6,043 |
| Loan loss allowance to noncurrent loans | 14.8529% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 5.8152% | 301 |
| Noncurrent loans to loans | 5.5785% | 353 |
| Net loans and leases to total assets | 66.5444% | 2,476 |
| Net loans and leases to deposits | 74.2461% | 3,032 |
| Net loans and leases to core deposits | 77.1048% | 3,297 |
| Total domestic deposits to total assets | 89.6269% | 1,295 |
| Equity capital to assets | 10.2181% | 3,574 |
| Core capital (leverage) ratio | 10.9424% | 2,443 |
| Tier 1 risk-based capital ratio | 17.0847% | 2,650 |
| Total risk-based capital ratio | 17.9702% | 2,764 |
| Memoranda: | ||
| Average total assets | $90,835,500 | 4,948 |
| Average earning assets | $85,724,000 | 4,873 |
| Average equity | $9,299,000 | 4,975 |
| Average total loans | $63,454,000 | 4,478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 2,351 |
| Cost of funding earning assets | 0.4292% | 4,323 |
| Net interest margin | 4.0339% | 1,858 |
| Noninterest income to average assets | 1.0505% | 1,271 |
| Noninterest expense to average assets | 3.5799% | 1,484 |
| Loan and lease loss provision to assets | 0.2257% | 1,615 |
| Net operating income to assets | 1.0637% | 2,062 |
| Return on assets (ROA) | 1.0373% | 2,241 |
| Pretax return on assets | 1.0373% | 3,204 |
| Return on Equity (ROE) | 9.9464% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.6111% | 3,655 |
| Net charge-offs to loans | 0.5140% | 1,284 |
| Credit loss provision to net charge-offs | 63.6646% | 3,461 |
| Earnings coverage of net charge-offs (x) | 3.6366% | 3,802 |
| Efficiency ratio | 73.5188% | 3,212 |
| Assets per employee ($millions) | 4.4071% | 3,073 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,072 |
| Loan loss allowance to noncurrent loans | 15.1397% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 6.9922% | 243 |
| Noncurrent loans to loans | 5.5808% | 401 |
| Net loans and leases to total assets | 72.1651% | 1,656 |
| Net loans and leases to deposits | 80.5611% | 2,377 |
| Net loans and leases to core deposits | 83.8600% | 2,690 |
| Total domestic deposits to total assets | 89.5781% | 1,284 |
| Equity capital to assets | 10.2574% | 3,438 |
| Core capital (leverage) ratio | 10.8497% | 2,525 |
| Tier 1 risk-based capital ratio | 16.0632% | 3,070 |
| Total risk-based capital ratio | 16.9557% | 3,204 |
| Memoranda: | ||
| Average total assets | $90,812,400 | 4,958 |
| Average earning assets | $85,970,600 | 4,883 |
| Average equity | $9,470,800 | 4,988 |
| Average total loans | $62,650,000 | 4,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 2,624 |
| Cost of funding earning assets | 0.4500% | 4,272 |
| Net interest margin | 3.9407% | 2,143 |
| Noninterest income to average assets | 0.9969% | 1,464 |
| Noninterest expense to average assets | 3.6131% | 1,374 |
| Loan and lease loss provision to assets | 0.2988% | 1,135 |
| Net operating income to assets | 0.8249% | 3,225 |
| Return on assets (ROA) | 0.7900% | 3,529 |
| Pretax return on assets | 0.7900% | 4,329 |
| Return on Equity (ROE) | 7.5447% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.5447% | 1,622 |
| Net charge-offs to loans | 0.4475% | 1,433 |
| Credit loss provision to net charge-offs | 98.0861% | 2,434 |
| Earnings coverage of net charge-offs (x) | 3.6890% | 3,635 |
| Efficiency ratio | 76.2769% | 2,686 |
| Assets per employee ($millions) | 4.4268% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,566 |
| Loan loss allowance to noncurrent loans | 17.1331% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 6.1275% | 387 |
| Noncurrent loans to loans | 6.0597% | 418 |
| Net loans and leases to total assets | 70.5190% | 1,866 |
| Net loans and leases to deposits | 79.1647% | 2,517 |
| Net loans and leases to core deposits | 82.4505% | 2,833 |
| Total domestic deposits to total assets | 89.0789% | 1,515 |
| Equity capital to assets | 10.6918% | 3,081 |
| Core capital (leverage) ratio | 11.1385% | 2,351 |
| Tier 1 risk-based capital ratio | 16.7615% | 2,834 |
| Total risk-based capital ratio | 17.8644% | 2,850 |
| Memoranda: | ||
| Average total assets | $91,480,250 | 4,988 |
| Average earning assets | $86,817,500 | 4,904 |
| Average equity | $9,578,250 | 5,013 |
| Average total loans | $62,275,250 | 4,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,897 |
| Cost of funding earning assets | 0.4808% | 4,088 |
| Net interest margin | 3.8328% | 2,434 |
| Noninterest income to average assets | 0.9366% | 1,697 |
| Noninterest expense to average assets | 3.4652% | 1,689 |
| Loan and lease loss provision to assets | 0.3461% | 967 |
| Net operating income to assets | 0.7636% | 3,501 |
| Return on assets (ROA) | 0.7160% | 3,904 |
| Pretax return on assets | 0.7160% | 4,631 |
| Return on Equity (ROE) | 6.8846% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.8846% | 1,941 |
| Net charge-offs to loans | 0.6000% | 1,102 |
| Credit loss provision to net charge-offs | 86.0215% | 2,517 |
| Earnings coverage of net charge-offs (x) | 2.7581% | 3,595 |
| Efficiency ratio | 75.7447% | 2,822 |
| Assets per employee ($millions) | 4.4976% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,611 |
| Loan loss allowance to noncurrent loans | 16.4930% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 6.0800% | 445 |
| Noncurrent loans to loans | 6.3933% | 414 |
| Net loans and leases to total assets | 66.0348% | 2,582 |
| Net loans and leases to deposits | 74.0248% | 3,148 |
| Net loans and leases to core deposits | 76.7538% | 3,460 |
| Total domestic deposits to total assets | 89.2063% | 1,503 |
| Equity capital to assets | 10.5702% | 3,207 |
| Core capital (leverage) ratio | 10.5382% | 2,834 |
| Tier 1 risk-based capital ratio | 17.1260% | 2,668 |
| Total risk-based capital ratio | 18.2385% | 2,689 |
| Memoranda: | ||
| Average total assets | $92,462,000 | 4,998 |
| Average earning assets | $87,768,330 | 4,905 |
| Average equity | $9,615,670 | 5,031 |
| Average total loans | $62,004,000 | 4,604 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,057 |
| Cost of funding earning assets | 0.5392% | 3,680 |
| Net interest margin | 3.7208% | 2,773 |
| Noninterest income to average assets | 0.8579% | 1,905 |
| Noninterest expense to average assets | 3.4401% | 1,739 |
| Loan and lease loss provision to assets | 0.3415% | 975 |
| Net operating income to assets | 0.6103% | 4,169 |
| Return on assets (ROA) | 0.5164% | 4,722 |
| Pretax return on assets | 0.5164% | 5,206 |
| Return on Equity (ROE) | 5.0054% | 4,565 |
| Retained earnings to average equity (ytd only) | 5.0054% | 3,225 |
| Net charge-offs to loans | 0.4255% | 1,393 |
| Credit loss provision to net charge-offs | 119.4030% | 1,606 |
| Earnings coverage of net charge-offs (x) | 3.3284% | 2,787 |
| Efficiency ratio | 78.3285% | 2,562 |
| Assets per employee ($millions) | 5.0088% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,658 |
| Loan loss allowance to noncurrent loans | 16.4908% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 5.7793% | 573 |
| Noncurrent loans to loans | 6.5904% | 481 |
| Net loans and leases to total assets | 64.2653% | 2,654 |
| Net loans and leases to deposits | 71.7024% | 3,223 |
| Net loans and leases to core deposits | 74.3460% | 3,532 |
| Total domestic deposits to total assets | 89.6278% | 1,277 |
| Equity capital to assets | 10.2072% | 3,895 |
| Core capital (leverage) ratio | 10.1467% | 3,222 |
| Tier 1 risk-based capital ratio | 16.4340% | 3,046 |
| Total risk-based capital ratio | 17.5923% | 3,037 |
| Memoranda: | ||
| Average total assets | $93,717,500 | 5,005 |
| Average earning assets | $89,013,500 | 4,909 |
| Average equity | $9,669,500 | 5,074 |
| Average total loans | $62,990,000 | 4,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 3,105 |
| Cost of funding earning assets | 0.7658% | 2,961 |
| Net interest margin | 3.8077% | 3,196 |
| Noninterest income to average assets | 0.9448% | 1,723 |
| Noninterest expense to average assets | 3.1372% | 2,819 |
| Loan and lease loss provision to assets | 0.1919% | 3,234 |
| Net operating income to assets | 1.2316% | 1,499 |
| Return on assets (ROA) | 1.2956% | 1,468 |
| Pretax return on assets | 1.2956% | 2,424 |
| Return on Equity (ROE) | 13.2985% | 1,156 |
| Retained earnings to average equity (ytd only) | 11.6019% | 363 |
| Net charge-offs to loans | 0.3047% | 3,120 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 6.7424% | 2,754 |
| Efficiency ratio | 68.7865% | 4,003 |
| Assets per employee ($millions) | 4.0116% | 3,922 |
| Cash dividends to net income (ytd only)* | 12.7572% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 5,868 |
| Loan loss allowance to noncurrent loans | 15.6050% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 6.1582% | 550 |
| Noncurrent loans to loans | 6.5832% | 501 |
| Net loans and leases to total assets | 68.8101% | 2,063 |
| Net loans and leases to deposits | 77.0152% | 2,656 |
| Net loans and leases to core deposits | 79.9539% | 3,007 |
| Total domestic deposits to total assets | 89.3461% | 1,338 |
| Equity capital to assets | 10.4317% | 3,613 |
| Core capital (leverage) ratio | 10.0826% | 3,295 |
| Tier 1 risk-based capital ratio | 15.6985% | 3,318 |
| Total risk-based capital ratio | 16.7976% | 3,360 |
| Memoranda: | ||
| Average total assets | $93,777,000 | 4,991 |
| Average earning assets | $89,055,800 | 4,895 |
| Average equity | $9,136,400 | 5,189 |
| Average total loans | $64,989,000 | 4,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 3,174 |
| Cost of funding earning assets | 0.7959% | 2,981 |
| Net interest margin | 3.8111% | 3,289 |
| Noninterest income to average assets | 0.9205% | 1,762 |
| Noninterest expense to average assets | 3.0743% | 2,962 |
| Loan and lease loss provision to assets | 0.1770% | 3,371 |
| Net operating income to assets | 1.2900% | 1,468 |
| Return on assets (ROA) | 1.3212% | 1,527 |
| Pretax return on assets | 1.3212% | 2,521 |
| Return on Equity (ROE) | 13.8000% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.8000% | 318 |
| Net charge-offs to loans | 0.3333% | 2,791 |
| Credit loss provision to net charge-offs | 76.6871% | 3,715 |
| Earnings coverage of net charge-offs (x) | 6.3558% | 2,810 |
| Efficiency ratio | 67.6957% | 4,131 |
| Assets per employee ($millions) | 4.0596% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,169 |
| Loan loss allowance to noncurrent loans | 15.4087% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 6.1025% | 648 |
| Noncurrent loans to loans | 6.3376% | 616 |
| Net loans and leases to total assets | 69.3963% | 2,037 |
| Net loans and leases to deposits | 77.5424% | 2,722 |
| Net loans and leases to core deposits | 80.9636% | 3,092 |
| Total domestic deposits to total assets | 89.4946% | 1,129 |
| Equity capital to assets | 10.2537% | 4,132 |
| Core capital (leverage) ratio | 9.9377% | 3,634 |
| Tier 1 risk-based capital ratio | 15.4311% | 3,580 |
| Total risk-based capital ratio | 16.4930% | 3,629 |
| Memoranda: | ||
| Average total assets | $94,154,500 | 5,034 |
| Average earning assets | $89,455,750 | 4,927 |
| Average equity | $9,014,250 | 5,265 |
| Average total loans | $65,199,250 | 4,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 3,348 |
| Cost of funding earning assets | 0.8136% | 3,088 |
| Net interest margin | 3.7892% | 3,416 |
| Noninterest income to average assets | 0.8939% | 1,806 |
| Noninterest expense to average assets | 3.0440% | 3,111 |
| Loan and lease loss provision to assets | 0.2330% | 2,740 |
| Net operating income to assets | 1.2180% | 1,652 |
| Return on assets (ROA) | 1.2646% | 1,696 |
| Pretax return on assets | 1.2646% | 2,671 |
| Return on Equity (ROE) | 13.5257% | 1,229 |
| Retained earnings to average equity (ytd only) | 13.5257% | 386 |
| Net charge-offs to loans | 0.3378% | 2,671 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 6.2273% | 2,674 |
| Efficiency ratio | 67.7191% | 4,185 |
| Assets per employee ($millions) | 4.1637% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,968 |
| Loan loss allowance to noncurrent loans | 16.0351% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 6.0566% | 702 |
| Noncurrent loans to loans | 6.5430% | 639 |
| Net loans and leases to total assets | 66.6743% | 2,531 |
| Net loans and leases to deposits | 73.9732% | 3,299 |
| Net loans and leases to core deposits | 76.8888% | 3,668 |
| Total domestic deposits to total assets | 90.1330% | 851 |
| Equity capital to assets | 9.6216% | 4,884 |
| Core capital (leverage) ratio | 9.4641% | 4,192 |
| Tier 1 risk-based capital ratio | 14.9403% | 3,804 |
| Total risk-based capital ratio | 16.0704% | 3,850 |
| Memoranda: | ||
| Average total assets | $94,415,670 | 5,058 |
| Average earning assets | $89,729,670 | 4,946 |
| Average equity | $8,827,670 | 5,310 |
| Average total loans | $65,120,670 | 4,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 3,814 |
| Cost of funding earning assets | 0.8449% | 3,105 |
| Net interest margin | 3.6806% | 3,921 |
| Noninterest income to average assets | 0.9473% | 1,574 |
| Noninterest expense to average assets | 3.0851% | 2,968 |
| Loan and lease loss provision to assets | 0.4267% | 1,467 |
| Net operating income to assets | 0.9302% | 2,788 |
| Return on assets (ROA) | 0.9302% | 2,992 |
| Pretax return on assets | 0.9302% | 3,932 |
| Return on Equity (ROE) | 10.0990% | 2,369 |
| Retained earnings to average equity (ytd only) | 10.0990% | 1,245 |
| Net charge-offs to loans | 0.5320% | 1,758 |
| Credit loss provision to net charge-offs | 114.9425% | 2,058 |
| Earnings coverage of net charge-offs (x) | 3.6552% | 2,785 |
| Efficiency ratio | 69.4524% | 3,907 |
| Assets per employee ($millions) | 4.1467% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 6,029 |
| Loan loss allowance to noncurrent loans | 15.4917% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 6.3612% | 716 |
| Noncurrent loans to loans | 6.8668% | 663 |
| Net loans and leases to total assets | 67.2849% | 2,233 |
| Net loans and leases to deposits | 74.2563% | 3,085 |
| Net loans and leases to core deposits | 77.1746% | 3,442 |
| Total domestic deposits to total assets | 90.6118% | 740 |
| Equity capital to assets | 9.1722% | 5,271 |
| Core capital (leverage) ratio | 9.2658% | 4,415 |
| Tier 1 risk-based capital ratio | 14.0947% | 4,404 |
| Total risk-based capital ratio | 15.2293% | 4,446 |
| Memoranda: | ||
| Average total assets | $93,741,500 | 5,105 |
| Average earning assets | $89,007,500 | 4,995 |
| Average equity | $8,634,500 | 5,387 |
| Average total loans | $65,417,500 | 4,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 3,654 |
| Cost of funding earning assets | 1.0643% | 2,920 |
| Net interest margin | 3.7695% | 3,986 |
| Noninterest income to average assets | 0.9820% | 1,414 |
| Noninterest expense to average assets | 3.1685% | 2,974 |
| Loan and lease loss provision to assets | 0.2387% | 3,818 |
| Net operating income to assets | 1.1296% | 1,728 |
| Return on assets (ROA) | 1.3933% | 1,126 |
| Pretax return on assets | 1.3933% | 1,804 |
| Return on Equity (ROE) | 16.3989% | 553 |
| Retained earnings to average equity (ytd only) | 16.3989% | 92 |
| Net charge-offs to loans | 0.8479% | 2,044 |
| Credit loss provision to net charge-offs | 39.0071% | 5,646 |
| Earnings coverage of net charge-offs (x) | 2.2358% | 4,109 |
| Efficiency ratio | 69.8398% | 3,995 |
| Assets per employee ($millions) | 4.0047% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 6,091 |
| Loan loss allowance to noncurrent loans | 14.2227% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 6.8127% | 677 |
| Noncurrent loans to loans | 7.2152% | 606 |
| Net loans and leases to total assets | 70.8896% | 1,846 |
| Net loans and leases to deposits | 78.3233% | 2,780 |
| Net loans and leases to core deposits | 81.7731% | 3,211 |
| Total domestic deposits to total assets | 90.5090% | 718 |
| Equity capital to assets | 9.2511% | 5,208 |
| Core capital (leverage) ratio | 8.9820% | 4,818 |
| Tier 1 risk-based capital ratio | 13.5628% | 4,651 |
| Total risk-based capital ratio | 14.6619% | 4,729 |
| Memoranda: | ||
| Average total assets | $92,157,000 | 5,126 |
| Average earning assets | $86,908,600 | 5,028 |
| Average equity | $7,829,800 | 5,620 |
| Average total loans | $66,513,600 | 4,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 3,634 |
| Cost of funding earning assets | 1.1029% | 2,960 |
| Net interest margin | 3.7787% | 3,975 |
| Noninterest income to average assets | 0.9605% | 1,448 |
| Noninterest expense to average assets | 3.2548% | 2,650 |
| Loan and lease loss provision to assets | 0.0651% | 5,638 |
| Net operating income to assets | 1.1992% | 1,654 |
| Return on assets (ROA) | 1.5507% | 922 |
| Pretax return on assets | 1.5507% | 1,514 |
| Return on Equity (ROE) | 18.6666% | 407 |
| Retained earnings to average equity (ytd only) | 18.6666% | 101 |
| Net charge-offs to loans | 0.2601% | 3,806 |
| Credit loss provision to net charge-offs | 34.6154% | 5,348 |
| Earnings coverage of net charge-offs (x) | 6.7230% | 2,503 |
| Efficiency ratio | 72.0230% | 3,550 |
| Assets per employee ($millions) | 4.0351% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 4,554 |
| Loan loss allowance to noncurrent loans | 32.0219% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 4.8207% | 1,209 |
| Noncurrent loans to loans | 4.3801% | 1,488 |
| Net loans and leases to total assets | 70.8958% | 1,918 |
| Net loans and leases to deposits | 78.0603% | 2,974 |
| Net loans and leases to core deposits | 80.9540% | 3,494 |
| Total domestic deposits to total assets | 90.8219% | 503 |
| Equity capital to assets | 8.9163% | 5,844 |
| Core capital (leverage) ratio | 8.8928% | 5,118 |
| Tier 1 risk-based capital ratio | 13.4776% | 4,752 |
| Total risk-based capital ratio | 14.7308% | 4,719 |
| Memoranda: | ||
| Average total assets | $92,169,250 | 5,165 |
| Average earning assets | $86,799,500 | 5,069 |
| Average equity | $7,657,000 | 5,704 |
| Average total loans | $66,649,000 | 4,645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 3,868 |
| Cost of funding earning assets | 1.1469% | 2,920 |
| Net interest margin | 3.7027% | 4,248 |
| Noninterest income to average assets | 0.9679% | 1,411 |
| Noninterest expense to average assets | 3.2385% | 2,775 |
| Loan and lease loss provision to assets | 0.0979% | 5,096 |
| Net operating income to assets | 1.1070% | 1,851 |
| Return on assets (ROA) | 1.2375% | 1,544 |
| Pretax return on assets | 1.2375% | 2,352 |
| Return on Equity (ROE) | 15.2731% | 748 |
| Retained earnings to average equity (ytd only) | 15.2731% | 230 |
| Net charge-offs to loans | 0.2252% | 3,774 |
| Credit loss provision to net charge-offs | 60.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 7.3867% | 2,229 |
| Efficiency ratio | 72.8830% | 3,566 |
| Assets per employee ($millions) | 4.0153% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,232 |
| Loan loss allowance to noncurrent loans | 33.2885% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 5.5884% | 1,050 |
| Noncurrent loans to loans | 4.4382% | 1,503 |
| Net loans and leases to total assets | 71.5577% | 1,871 |
| Net loans and leases to deposits | 78.3666% | 3,063 |
| Net loans and leases to core deposits | 81.2594% | 3,615 |
| Total domestic deposits to total assets | 91.3115% | 391 |
| Equity capital to assets | 8.4330% | 6,258 |
| Core capital (leverage) ratio | 8.2510% | 5,948 |
| Tier 1 risk-based capital ratio | 12.6692% | 5,204 |
| Total risk-based capital ratio | 13.9246% | 5,169 |
| Memoranda: | ||
| Average total assets | $91,956,330 | 5,210 |
| Average earning assets | $86,316,000 | 5,119 |
| Average equity | $7,451,000 | 5,786 |
| Average total loans | $66,621,000 | 4,698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 3,896 |
| Cost of funding earning assets | 1.1990% | 2,826 |
| Net interest margin | 3.6342% | 4,402 |
| Noninterest income to average assets | 0.9285% | 1,552 |
| Noninterest expense to average assets | 3.1953% | 2,911 |
| Loan and lease loss provision to assets | 0.0654% | 5,180 |
| Net operating income to assets | 1.0767% | 1,920 |
| Return on assets (ROA) | 1.3383% | 1,226 |
| Pretax return on assets | 1.3383% | 1,916 |
| Return on Equity (ROE) | 16.8623% | 587 |
| Retained earnings to average equity (ytd only) | 16.8623% | 289 |
| Net charge-offs to loans | 0.0602% | 4,326 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 931 |
| Efficiency ratio | 73.6683% | 3,578 |
| Assets per employee ($millions) | 3.7849% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,941 |
| Loan loss allowance to noncurrent loans | 32.0225% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 5.7967% | 1,019 |
| Noncurrent loans to loans | 4.8545% | 1,400 |
| Net loans and leases to total assets | 68.6672% | 2,409 |
| Net loans and leases to deposits | 74.6084% | 3,667 |
| Net loans and leases to core deposits | 77.7566% | 4,054 |
| Total domestic deposits to total assets | 92.0368% | 273 |
| Equity capital to assets | 7.7338% | 6,723 |
| Core capital (leverage) ratio | 8.0879% | 6,146 |
| Tier 1 risk-based capital ratio | 12.3047% | 5,434 |
| Total risk-based capital ratio | 13.5605% | 5,421 |
| Memoranda: | ||
| Average total assets | $91,758,500 | 5,248 |
| Average earning assets | $86,071,000 | 5,159 |
| Average equity | $7,282,500 | 5,850 |
| Average total loans | $66,393,500 | 4,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 4,269 |
| Cost of funding earning assets | 1.4455% | 2,989 |
| Net interest margin | 3.6174% | 4,730 |
| Noninterest income to average assets | 1.0056% | 1,486 |
| Noninterest expense to average assets | 3.4596% | 2,280 |
| Loan and lease loss provision to assets | 0.2670% | 4,665 |
| Net operating income to assets | 0.6641% | 3,376 |
| Return on assets (ROA) | 0.6641% | 3,517 |
| Pretax return on assets | 0.6641% | 4,118 |
| Return on Equity (ROE) | 8.8035% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.8035% | 752 |
| Net charge-offs to loans | 0.6238% | 3,158 |
| Credit loss provision to net charge-offs | 57.4163% | 6,126 |
| Earnings coverage of net charge-offs (x) | 2.0024% | 4,238 |
| Efficiency ratio | 78.7940% | 2,563 |
| Assets per employee ($millions) | 3.2924% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,864 |
| Loan loss allowance to noncurrent loans | 31.5611% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 6.2051% | 935 |
| Noncurrent loans to loans | 4.8438% | 1,422 |
| Net loans and leases to total assets | 73.9814% | 1,667 |
| Net loans and leases to deposits | 80.7487% | 3,033 |
| Net loans and leases to core deposits | 84.4191% | 3,539 |
| Total domestic deposits to total assets | 91.6192% | 368 |
| Equity capital to assets | 8.1524% | 6,318 |
| Core capital (leverage) ratio | 7.9093% | 6,305 |
| Tier 1 risk-based capital ratio | 11.2415% | 6,139 |
| Total risk-based capital ratio | 12.4960% | 6,124 |
| Memoranda: | ||
| Average total assets | $89,894,200 | 5,293 |
| Average earning assets | $84,121,600 | 5,210 |
| Average equity | $6,781,400 | 6,108 |
| Average total loans | $67,009,000 | 4,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 4,556 |
| Cost of funding earning assets | 1.4782% | 3,101 |
| Net interest margin | 3.5793% | 4,975 |
| Noninterest income to average assets | 0.9999% | 1,464 |
| Noninterest expense to average assets | 3.5971% | 1,800 |
| Loan and lease loss provision to assets | 0.3550% | 3,774 |
| Net operating income to assets | 0.3964% | 4,765 |
| Return on assets (ROA) | 0.3964% | 4,946 |
| Pretax return on assets | 0.3964% | 5,229 |
| Return on Equity (ROE) | 5.3611% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,731 |
| Net charge-offs to loans | 0.7157% | 2,634 |
| Credit loss provision to net charge-offs | 66.6667% | 5,519 |
| Earnings coverage of net charge-offs (x) | 1.4111% | 4,671 |
| Efficiency ratio | 82.7211% | 1,981 |
| Assets per employee ($millions) | 3.3132% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 3,420 |
| Loan loss allowance to noncurrent loans | 32.6376% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 6.2622% | 925 |
| Noncurrent loans to loans | 4.9830% | 1,389 |
| Net loans and leases to total assets | 72.9591% | 2,019 |
| Net loans and leases to deposits | 79.4157% | 3,557 |
| Net loans and leases to core deposits | 83.6328% | 4,005 |
| Total domestic deposits to total assets | 91.8698% | 213 |
| Equity capital to assets | 7.7836% | 6,939 |
| Core capital (leverage) ratio | 7.5259% | 6,828 |
| Tier 1 risk-based capital ratio | 10.7758% | 6,565 |
| Total risk-based capital ratio | 12.0321% | 6,541 |
| Memoranda: | ||
| Average total assets | $90,144,250 | 5,351 |
| Average earning assets | $84,333,500 | 5,255 |
| Average equity | $6,665,000 | 6,217 |
| Average total loans | $67,064,750 | 4,858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 4,257 |
| Cost of funding earning assets | 1.5267% | 3,094 |
| Net interest margin | 3.6119% | 4,765 |
| Noninterest income to average assets | 0.9870% | 1,417 |
| Noninterest expense to average assets | 3.5851% | 1,820 |
| Loan and lease loss provision to assets | 0.5311% | 2,662 |
| Net operating income to assets | 0.2479% | 5,384 |
| Return on assets (ROA) | 0.2479% | 5,525 |
| Pretax return on assets | 0.2479% | 5,661 |
| Return on Equity (ROE) | 3.4117% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.4117% | 3,944 |
| Net charge-offs to loans | 0.8172% | 2,203 |
| Credit loss provision to net charge-offs | 87.2727% | 4,508 |
| Earnings coverage of net charge-offs (x) | 1.2800% | 4,545 |
| Efficiency ratio | 82.1501% | 2,144 |
| Assets per employee ($millions) | 3.3311% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,829 |
| Loan loss allowance to noncurrent loans | 152.9566% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 3.9826% | 1,742 |
| Noncurrent loans to loans | 1.1556% | 5,029 |
| Net loans and leases to total assets | 71.9249% | 2,421 |
| Net loans and leases to deposits | 78.0197% | 3,962 |
| Net loans and leases to core deposits | 81.8457% | 4,439 |
| Total domestic deposits to total assets | 92.1882% | 193 |
| Equity capital to assets | 7.4905% | 7,120 |
| Core capital (leverage) ratio | 7.2890% | 7,003 |
| Tier 1 risk-based capital ratio | 10.4778% | 6,705 |
| Total risk-based capital ratio | 11.7348% | 6,681 |
| Memoranda: | ||
| Average total assets | $90,373,330 | 5,375 |
| Average earning assets | $84,498,000 | 5,281 |
| Average equity | $6,565,670 | 6,279 |
| Average total loans | $67,304,330 | 4,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 4,462 |
| Cost of funding earning assets | 1.5540% | 3,241 |
| Net interest margin | 3.5601% | 4,905 |
| Noninterest income to average assets | 0.9096% | 1,586 |
| Noninterest expense to average assets | 3.5368% | 1,897 |
| Loan and lease loss provision to assets | 0.9273% | 1,365 |
| Net operating income to assets | -0.2164% | 6,563 |
| Return on assets (ROA) | -0.2164% | 6,631 |
| Pretax return on assets | -0.2164% | 6,571 |
| Return on Equity (ROE) | -3.0247% | 6,743 |
| Retained earnings to average equity (ytd only) | -3.0247% | 6,367 |
| Net charge-offs to loans | 0.6233% | 2,264 |
| Credit loss provision to net charge-offs | 198.1132% | 1,873 |
| Earnings coverage of net charge-offs (x) | 1.5189% | 3,821 |
| Efficiency ratio | 83.2640% | 2,107 |
| Assets per employee ($millions) | 3.3883% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 2,315 |
| Loan loss allowance to noncurrent loans | 72.8747% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 4.4139% | 1,538 |
| Noncurrent loans to loans | 2.6747% | 2,998 |
| Net loans and leases to total assets | 71.6475% | 2,535 |
| Net loans and leases to deposits | 77.3477% | 4,157 |
| Net loans and leases to core deposits | 81.0441% | 4,615 |
| Total domestic deposits to total assets | 92.6304% | 152 |
| Equity capital to assets | 7.1149% | 7,322 |
| Core capital (leverage) ratio | 7.0583% | 7,213 |
| Tier 1 risk-based capital ratio | 10.0990% | 6,962 |
| Total risk-based capital ratio | 11.3583% | 6,948 |
| Memoranda: | ||
| Average total assets | $90,589,500 | 5,433 |
| Average earning assets | $84,941,000 | 5,339 |
| Average equity | $6,480,000 | 6,351 |
| Average total loans | $68,029,500 | 4,933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 4,818 |
| Cost of funding earning assets | 1.7973% | 4,006 |
| Net interest margin | 3.5766% | 4,630 |
| Noninterest income to average assets | 0.9331% | 1,821 |
| Noninterest expense to average assets | 6.0294% | 305 |
| Loan and lease loss provision to assets | 1.7430% | 1,305 |
| Net operating income to assets | -3.5350% | 7,516 |
| Return on assets (ROA) | -3.4149% | 7,489 |
| Pretax return on assets | -3.4149% | 7,396 |
| Return on Equity (ROE) | -34.0486% | 7,478 |
| Retained earnings to average equity (ytd only) | -43.4140% | 7,601 |
| Net charge-offs to loans | 1.7222% | 1,458 |
| Credit loss provision to net charge-offs | 131.8074% | 3,823 |
| Earnings coverage of net charge-offs (x) | -1.3552% | 6,934 |
| Efficiency ratio | 71.7734% | 4,302 |
| Assets per employee ($millions) | 3.3220% | 5,452 |
| Cash dividends to net income (ytd only)* | -27.5061% | 7,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,776 |
| Loan loss allowance to noncurrent loans | 52.2668% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.9256% | 1,257 |
| Noncurrent loans to loans | 3.3145% | 2,305 |
| Net loans and leases to total assets | 75.8247% | 1,849 |
| Net loans and leases to deposits | 81.9232% | 3,628 |
| Net loans and leases to core deposits | 115.5059% | 2,369 |
| Total domestic deposits to total assets | 92.5559% | 169 |
| Equity capital to assets | 7.1922% | 7,265 |
| Core capital (leverage) ratio | 6.9134% | 7,304 |
| Tier 1 risk-based capital ratio | 9.7595% | 7,055 |
| Total risk-based capital ratio | 11.0170% | 7,036 |
| Memoranda: | ||
| Average total assets | $95,814,000 | 5,211 |
| Average earning assets | $88,521,000 | 5,168 |
| Average equity | $9,609,800 | 5,411 |
| Average total loans | $73,569,200 | 4,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 5,006 |
| Cost of funding earning assets | 1.8513% | 4,143 |
| Net interest margin | 3.5376% | 4,709 |
| Noninterest income to average assets | 0.9396% | 1,817 |
| Noninterest expense to average assets | 3.1092% | 3,616 |
| Loan and lease loss provision to assets | 1.3149% | 1,469 |
| Net operating income to assets | -0.2260% | 6,105 |
| Return on assets (ROA) | -0.0685% | 5,882 |
| Pretax return on assets | -0.0685% | 5,804 |
| Return on Equity (ROE) | -0.6411% | 5,877 |
| Retained earnings to average equity (ytd only) | -12.1798% | 6,955 |
| Net charge-offs to loans | 1.7287% | 1,172 |
| Credit loss provision to net charge-offs | 99.1736% | 5,154 |
| Earnings coverage of net charge-offs (x) | 0.8213% | 5,232 |
| Efficiency ratio | 74.0620% | 3,854 |
| Assets per employee ($millions) | 3.4983% | 4,930 |
| Cash dividends to net income (ytd only)* | -1,799.8650% | 8,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,674 |
| Loan loss allowance to noncurrent loans | 33.9948% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 4.8415% | 1,219 |
| Noncurrent loans to loans | 3.2597% | 2,324 |
| Net loans and leases to total assets | 74.4511% | 2,396 |
| Net loans and leases to deposits | 83.4871% | 3,733 |
| Net loans and leases to core deposits | 118.8976% | 2,344 |
| Total domestic deposits to total assets | 89.1767% | 1,116 |
| Equity capital to assets | 10.2643% | 3,769 |
| Core capital (leverage) ratio | 7.3774% | 7,101 |
| Tier 1 risk-based capital ratio | 9.9424% | 7,027 |
| Total risk-based capital ratio | 11.0891% | 7,065 |
| Memoranda: | ||
| Average total assets | $97,343,750 | 5,200 |
| Average earning assets | $89,663,250 | 5,175 |
| Average equity | $10,399,500 | 5,230 |
| Average total loans | $74,659,000 | 4,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 5,211 |
| Cost of funding earning assets | 1.8733% | 4,403 |
| Net interest margin | 3.5152% | 4,733 |
| Noninterest income to average assets | 0.8748% | 2,081 |
| Noninterest expense to average assets | 3.2388% | 3,197 |
| Loan and lease loss provision to assets | 0.2848% | 4,300 |
| Net operating income to assets | 0.5961% | 3,694 |
| Return on assets (ROA) | 0.5920% | 3,823 |
| Pretax return on assets | 0.5920% | 4,343 |
| Return on Equity (ROE) | 5.4728% | 3,875 |
| Retained earnings to average equity (ytd only) | -11.4535% | 7,006 |
| Net charge-offs to loans | 1.0153% | 1,746 |
| Credit loss provision to net charge-offs | 36.3636% | 5,954 |
| Earnings coverage of net charge-offs (x) | 1.1247% | 4,680 |
| Efficiency ratio | 78.6173% | 3,250 |
| Assets per employee ($millions) | 3.5831% | 4,615 |
| Cash dividends to net income (ytd only)* | 309.2784% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 7,314 |
| Loan loss allowance to noncurrent loans | 27.5776% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 2.6069% | 2,469 |
| Noncurrent loans to loans | 2.7034% | 2,665 |
| Net loans and leases to total assets | 75.8241% | 2,221 |
| Net loans and leases to deposits | 85.4915% | 3,648 |
| Net loans and leases to core deposits | 121.6739% | 2,230 |
| Total domestic deposits to total assets | 88.6919% | 1,440 |
| Equity capital to assets | 10.5845% | 3,309 |
| Core capital (leverage) ratio | 7.5241% | 6,984 |
| Tier 1 risk-based capital ratio | 10.1072% | 6,815 |
| Total risk-based capital ratio | 10.8836% | 7,240 |
| Memoranda: | ||
| Average total assets | $98,307,000 | 5,209 |
| Average earning assets | $90,750,000 | 5,172 |
| Average equity | $10,634,330 | 5,181 |
| Average total loans | $75,842,000 | 4,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5991% | 4,357 |
| Cost of funding earning assets | 1.9044% | 4,608 |
| Net interest margin | 3.6947% | 3,910 |
| Noninterest income to average assets | 1.0496% | 1,351 |
| Noninterest expense to average assets | 3.2375% | 2,834 |
| Loan and lease loss provision to assets | 0.2422% | 4,041 |
| Net operating income to assets | 0.9688% | 2,447 |
| Return on assets (ROA) | 0.9608% | 2,602 |
| Pretax return on assets | 0.9608% | 3,497 |
| Return on Equity (ROE) | 8.7892% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.7892% | 1,542 |
| Net charge-offs to loans | 0.1823% | 3,543 |
| Credit loss provision to net charge-offs | 171.4286% | 2,499 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,174 |
| Efficiency ratio | 72.7768% | 4,046 |
| Assets per employee ($millions) | 3.6800% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,551 |
| Loan loss allowance to noncurrent loans | 474.5665% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 4,702 |
| Noncurrent loans to loans | 0.2293% | 6,877 |
| Net loans and leases to total assets | 75.1137% | 2,476 |
| Net loans and leases to deposits | 85.0538% | 3,808 |
| Net loans and leases to core deposits | 118.7289% | 2,534 |
| Total domestic deposits to total assets | 88.3132% | 1,569 |
| Equity capital to assets | 11.0789% | 2,900 |
| Core capital (leverage) ratio | 8.3541% | 5,804 |
| Tier 1 risk-based capital ratio | 10.7720% | 6,118 |
| Total risk-based capital ratio | 11.8748% | 6,190 |
| Memoranda: | ||
| Average total assets | $99,088,000 | 5,204 |
| Average earning assets | $91,157,000 | 5,181 |
| Average equity | $10,831,500 | 5,152 |
| Average total loans | $76,809,500 | 4,740 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0782% | 950 |
| Cost of funding earning assets | 2.8617% | 2,435 |
| Net interest margin | 4.2165% | 2,246 |
| Noninterest income to average assets | 1.0295% | 1,488 |
| Noninterest expense to average assets | 3.1932% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7136% | 662 |
| Return on assets (ROA) | 1.8584% | 469 |
| Pretax return on assets | 1.8584% | 839 |
| Return on Equity (ROE) | 17.6704% | 560 |
| Retained earnings to average equity (ytd only) | -4.7549% | 6,471 |
| Net charge-offs to loans | 0.5108% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.1990% | 4,070 |
| Efficiency ratio | 65.0778% | 5,304 |
| Assets per employee ($millions) | 3.6599% | 4,265 |
| Cash dividends to net income (ytd only)* | 126.9089% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 5,865 |
| Loan loss allowance to noncurrent loans | 188.6256% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 4,109 |
| Noncurrent loans to loans | 0.5399% | 5,744 |
| Net loans and leases to total assets | 78.2960% | 2,049 |
| Net loans and leases to deposits | 88.4409% | 3,730 |
| Net loans and leases to core deposits | 123.6341% | 2,347 |
| Total domestic deposits to total assets | 88.5292% | 1,233 |
| Equity capital to assets | 10.7827% | 3,221 |
| Core capital (leverage) ratio | 7.9474% | 6,577 |
| Tier 1 risk-based capital ratio | 9.9221% | 6,821 |
| Total risk-based capital ratio | 10.9370% | 7,005 |
| Memoranda: | ||
| Average total assets | $102,184,400 | 4,987 |
| Average earning assets | $93,964,000 | 4,969 |
| Average equity | $10,746,800 | 5,198 |
| Average total loans | $81,640,200 | 4,468 |