Home > St James Federal Savings and Loan Association > Performance and Condition Ratios
St James Federal Savings and Loan Association, 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 | 4.2213% | 2,470 |
| Cost of funding earning assets | 0.4270% | 2,964 |
| Net interest margin | 3.7943% | 2,337 |
| Noninterest income to average assets | 0.2098% | 5,431 |
| Noninterest expense to average assets | 3.0723% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5470% | 4,569 |
| Return on assets (ROA) | 0.5470% | 4,680 |
| Pretax return on assets | 0.6669% | 4,768 |
| Return on Equity (ROE) | 5.2330% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,713 |
| Net charge-offs to loans | 0.0221% | 3,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,042 |
| Efficiency ratio | 82.1643% | 1,469 |
| Assets per employee ($millions) | 3.2233% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 1,225 |
| Loan loss allowance to noncurrent loans | 614.8148% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 4,503 |
| Noncurrent loans to loans | 0.3042% | 4,597 |
| Net loans and leases to total assets | 67.5599% | 2,707 |
| Net loans and leases to deposits | 75.9880% | 3,274 |
| Net loans and leases to core deposits | 76.8393% | 3,683 |
| Total domestic deposits to total assets | 88.9087% | 1,182 |
| Equity capital to assets | 10.9672% | 2,917 |
| Core capital (leverage) ratio | 10.8265% | 2,585 |
| Tier 1 risk-based capital ratio | 16.2063% | 2,757 |
| Total risk-based capital ratio | 17.4670% | 2,701 |
| Memoranda: | ||
| Average total assets | $26,690,000 | 6,157 |
| Average earning assets | $24,826,670 | 6,134 |
| Average equity | $2,790,000 | 6,174 |
| Average total loans | $18,094,330 | 5,919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 2,446 |
| Cost of funding earning assets | 0.4442% | 2,837 |
| Net interest margin | 3.7594% | 2,397 |
| Noninterest income to average assets | 0.2211% | 5,374 |
| Noninterest expense to average assets | 3.0064% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4716% | 4,793 |
| Return on assets (ROA) | 0.4716% | 4,912 |
| Pretax return on assets | 0.7074% | 4,567 |
| Return on Equity (ROE) | 4.6193% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.6193% | 3,260 |
| Net charge-offs to loans | -0.0657% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 1,763 |
| Assets per employee ($millions) | 3.3836% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,228 |
| Loan loss allowance to noncurrent loans | 351.0417% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 4,588 |
| Noncurrent loans to loans | 0.5498% | 3,932 |
| Net loans and leases to total assets | 63.2643% | 3,197 |
| Net loans and leases to deposits | 70.6389% | 3,673 |
| Net loans and leases to core deposits | 71.3839% | 4,024 |
| Total domestic deposits to total assets | 89.5600% | 963 |
| Equity capital to assets | 10.2959% | 3,781 |
| Core capital (leverage) ratio | 10.2898% | 3,227 |
| Tier 1 risk-based capital ratio | 16.2450% | 2,805 |
| Total risk-based capital ratio | 17.4983% | 2,748 |
| Memoranda: | ||
| Average total assets | $27,142,000 | 6,221 |
| Average earning assets | $25,216,500 | 6,192 |
| Average equity | $2,771,000 | 6,237 |
| Average total loans | $18,265,000 | 5,965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,591 |
| Cost of funding earning assets | 0.5299% | 2,389 |
| Net interest margin | 3.7749% | 2,714 |
| Noninterest income to average assets | 0.0293% | 6,341 |
| Noninterest expense to average assets | 3.0703% | 2,623 |
| Loan and lease loss provision to assets | 0.0623% | 3,271 |
| Net operating income to assets | 0.3517% | 5,374 |
| Return on assets (ROA) | 0.3517% | 5,441 |
| Pretax return on assets | 0.4983% | 5,259 |
| Return on Equity (ROE) | 3.5508% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.5508% | 3,704 |
| Net charge-offs to loans | 0.0591% | 3,659 |
| Credit loss provision to net charge-offs | 154.5455% | 1,573 |
| Earnings coverage of net charge-offs (x) | 13.9091% | 2,226 |
| Efficiency ratio | 84.5610% | 1,335 |
| Assets per employee ($millions) | 3.4019% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 1,651 |
| Loan loss allowance to noncurrent loans | 235.2113% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 4,055 |
| Noncurrent loans to loans | 0.7447% | 3,460 |
| Net loans and leases to total assets | 68.8370% | 2,427 |
| Net loans and leases to deposits | 76.6562% | 3,125 |
| Net loans and leases to core deposits | 79.9368% | 3,304 |
| Total domestic deposits to total assets | 89.7997% | 829 |
| Equity capital to assets | 10.1231% | 3,955 |
| Core capital (leverage) ratio | 10.1231% | 3,404 |
| Tier 1 risk-based capital ratio | 15.1707% | 3,399 |
| Total risk-based capital ratio | 16.4262% | 3,345 |
| Memoranda: | ||
| Average total assets | $27,294,000 | 6,305 |
| Average earning assets | $26,040,200 | 6,262 |
| Average equity | $2,703,600 | 6,321 |
| Average total loans | $18,613,600 | 6,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,608 |
| Cost of funding earning assets | 0.5530% | 2,265 |
| Net interest margin | 3.7529% | 2,799 |
| Noninterest income to average assets | -0.0488% | 6,510 |
| Noninterest expense to average assets | 3.0899% | 2,501 |
| Loan and lease loss provision to assets | 0.0830% | 2,691 |
| Net operating income to assets | 0.2685% | 5,684 |
| Return on assets (ROA) | 0.2685% | 5,748 |
| Pretax return on assets | 0.3563% | 5,665 |
| Return on Equity (ROE) | 2.7253% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.7253% | 4,654 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5519% | 1,040 |
| Assets per employee ($millions) | 3.3236% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 1,510 |
| Loan loss allowance to noncurrent loans | 285.1240% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 4,122 |
| Noncurrent loans to loans | 0.6585% | 3,968 |
| Net loans and leases to total assets | 67.8100% | 2,566 |
| Net loans and leases to deposits | 75.6102% | 3,229 |
| Net loans and leases to core deposits | 76.4177% | 3,696 |
| Total domestic deposits to total assets | 89.6837% | 885 |
| Equity capital to assets | 10.2072% | 3,924 |
| Core capital (leverage) ratio | 10.2072% | 3,403 |
| Tier 1 risk-based capital ratio | 15.5388% | 3,293 |
| Total risk-based capital ratio | 16.7984% | 3,230 |
| Memoranda: | ||
| Average total assets | $27,313,750 | 6,383 |
| Average earning assets | $26,041,250 | 6,339 |
| Average equity | $2,690,750 | 6,392 |
| Average total loans | $18,500,000 | 6,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,667 |
| Cost of funding earning assets | 0.5711% | 2,155 |
| Net interest margin | 3.7082% | 2,927 |
| Noninterest income to average assets | -0.1016% | 6,605 |
| Noninterest expense to average assets | 2.9178% | 3,107 |
| Loan and lease loss provision to assets | 0.1234% | 2,001 |
| Net operating income to assets | 0.2831% | 5,621 |
| Return on assets (ROA) | 0.2831% | 5,691 |
| Pretax return on assets | 0.3919% | 5,592 |
| Return on Equity (ROE) | 2.9072% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.9072% | 4,355 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9894% | 1,387 |
| Assets per employee ($millions) | 3.3756% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 1,595 |
| Loan loss allowance to noncurrent loans | 308.0357% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 3,568 |
| Noncurrent loans to loans | 0.6156% | 4,182 |
| Net loans and leases to total assets | 66.0915% | 2,737 |
| Net loans and leases to deposits | 73.5181% | 3,385 |
| Net loans and leases to core deposits | 74.2862% | 3,808 |
| Total domestic deposits to total assets | 89.8982% | 859 |
| Equity capital to assets | 9.9907% | 4,118 |
| Core capital (leverage) ratio | 9.9907% | 3,624 |
| Tier 1 risk-based capital ratio | 15.4357% | 3,388 |
| Total risk-based capital ratio | 16.6943% | 3,327 |
| Memoranda: | ||
| Average total assets | $27,555,330 | 6,434 |
| Average earning assets | $26,266,330 | 6,392 |
| Average equity | $2,683,000 | 6,448 |
| Average total loans | $18,541,670 | 6,138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 2,781 |
| Cost of funding earning assets | 0.5906% | 2,060 |
| Net interest margin | 3.6344% | 3,123 |
| Noninterest income to average assets | 0.2300% | 5,515 |
| Noninterest expense to average assets | 2.7452% | 3,779 |
| Loan and lease loss provision to assets | 0.2156% | 1,063 |
| Net operating income to assets | 0.4743% | 4,815 |
| Return on assets (ROA) | 0.4743% | 4,893 |
| Pretax return on assets | 0.7186% | 4,422 |
| Return on Equity (ROE) | 4.9337% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.9337% | 3,149 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6094% | 3,030 |
| Assets per employee ($millions) | 3.6063% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 1,932 |
| Loan loss allowance to noncurrent loans | 290.6780% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 3,412 |
| Noncurrent loans to loans | 0.6323% | 4,280 |
| Net loans and leases to total assets | 63.4974% | 2,978 |
| Net loans and leases to deposits | 70.1152% | 3,591 |
| Net loans and leases to core deposits | 70.7953% | 4,004 |
| Total domestic deposits to total assets | 90.5615% | 764 |
| Equity capital to assets | 9.3310% | 4,723 |
| Core capital (leverage) ratio | 9.3310% | 4,525 |
| Tier 1 risk-based capital ratio | 14.7644% | 3,843 |
| Total risk-based capital ratio | 16.0204% | 3,786 |
| Memoranda: | ||
| Average total assets | $27,830,500 | 6,498 |
| Average earning assets | $26,414,500 | 6,456 |
| Average equity | $2,675,500 | 6,507 |
| Average total loans | $18,716,000 | 6,187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,889 |
| Cost of funding earning assets | 0.7666% | 1,397 |
| Net interest margin | 3.5512% | 3,673 |
| Noninterest income to average assets | 0.2071% | 5,844 |
| Noninterest expense to average assets | 2.8024% | 3,714 |
| Loan and lease loss provision to assets | 0.2142% | 1,709 |
| Net operating income to assets | 0.3855% | 5,190 |
| Return on assets (ROA) | 0.3855% | 5,305 |
| Pretax return on assets | 0.5640% | 4,998 |
| Return on Equity (ROE) | 4.1332% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.1332% | 3,232 |
| Net charge-offs to loans | 0.2180% | 2,718 |
| Credit loss provision to net charge-offs | 146.3415% | 1,589 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 3,329 |
| Efficiency ratio | 78.2652% | 2,427 |
| Assets per employee ($millions) | 3.3514% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 2,245 |
| Loan loss allowance to noncurrent loans | 277.9661% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 3,423 |
| Noncurrent loans to loans | 0.6287% | 4,410 |
| Net loans and leases to total assets | 68.7852% | 2,213 |
| Net loans and leases to deposits | 76.4467% | 2,923 |
| Net loans and leases to core deposits | 77.2505% | 3,459 |
| Total domestic deposits to total assets | 89.9780% | 1,091 |
| Equity capital to assets | 9.9176% | 3,877 |
| Core capital (leverage) ratio | 9.9176% | 3,681 |
| Tier 1 risk-based capital ratio | 14.8373% | 3,759 |
| Total risk-based capital ratio | 16.0929% | 3,706 |
| Memoranda: | ||
| Average total assets | $28,012,000 | 6,560 |
| Average earning assets | $26,610,800 | 6,515 |
| Average equity | $2,613,000 | 6,603 |
| Average total loans | $18,806,000 | 6,262 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,914 |
| Cost of funding earning assets | 0.8030% | 1,303 |
| Net interest margin | 3.5146% | 3,813 |
| Noninterest income to average assets | 0.2166% | 5,880 |
| Noninterest expense to average assets | 2.7549% | 3,812 |
| Loan and lease loss provision to assets | 0.2119% | 1,722 |
| Net operating income to assets | 0.4238% | 5,144 |
| Return on assets (ROA) | 0.4238% | 5,290 |
| Pretax return on assets | 0.5887% | 5,060 |
| Return on Equity (ROE) | 4.6127% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.6127% | 3,389 |
| Net charge-offs to loans | 0.0355% | 4,431 |
| Credit loss provision to net charge-offs | 900.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 33.9820% | 1,128 |
| Efficiency ratio | 77.4834% | 2,487 |
| Assets per employee ($millions) | 3.3753% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 2,003 |
| Loan loss allowance to noncurrent loans | 160.0917% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 3,670 |
| Noncurrent loans to loans | 1.1866% | 3,446 |
| Net loans and leases to total assets | 66.7469% | 2,508 |
| Net loans and leases to deposits | 74.0895% | 3,222 |
| Net loans and leases to core deposits | 74.8588% | 3,752 |
| Total domestic deposits to total assets | 90.0896% | 943 |
| Equity capital to assets | 9.7808% | 4,209 |
| Core capital (leverage) ratio | 9.7808% | 3,991 |
| Tier 1 risk-based capital ratio | 15.1156% | 3,672 |
| Total risk-based capital ratio | 16.3748% | 3,624 |
| Memoranda: | ||
| Average total assets | $28,312,250 | 6,631 |
| Average earning assets | $26,896,750 | 6,581 |
| Average equity | $2,601,500 | 6,682 |
| Average total loans | $18,815,000 | 6,326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 3,042 |
| Cost of funding earning assets | 0.8063% | 1,379 |
| Net interest margin | 3.4724% | 3,911 |
| Noninterest income to average assets | 0.2087% | 5,950 |
| Noninterest expense to average assets | 2.6088% | 4,348 |
| Loan and lease loss provision to assets | 0.2087% | 1,814 |
| Net operating income to assets | 0.5148% | 4,737 |
| Return on assets (ROA) | 0.5148% | 4,908 |
| Pretax return on assets | 0.7165% | 4,628 |
| Return on Equity (ROE) | 5.7180% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.7180% | 2,597 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8189% | 3,167 |
| Assets per employee ($millions) | 3.4214% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 2,314 |
| Loan loss allowance to noncurrent loans | 182.2581% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 4,522 |
| Noncurrent loans to loans | 1.0067% | 3,923 |
| Net loans and leases to total assets | 66.2636% | 2,547 |
| Net loans and leases to deposits | 73.3846% | 3,243 |
| Net loans and leases to core deposits | 73.3846% | 3,884 |
| Total domestic deposits to total assets | 90.2963% | 864 |
| Equity capital to assets | 9.5904% | 4,463 |
| Core capital (leverage) ratio | 9.5904% | 4,094 |
| Tier 1 risk-based capital ratio | 14.9743% | 3,796 |
| Total risk-based capital ratio | 16.2350% | 3,755 |
| Memoranda: | ||
| Average total assets | $28,749,000 | 6,675 |
| Average earning assets | $27,531,670 | 6,622 |
| Average equity | $2,588,330 | 6,735 |
| Average total loans | $18,962,670 | 6,357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,432 |
| Cost of funding earning assets | 0.8080% | 1,482 |
| Net interest margin | 3.3596% | 4,274 |
| Noninterest income to average assets | 0.2174% | 5,917 |
| Noninterest expense to average assets | 2.5817% | 4,461 |
| Loan and lease loss provision to assets | 0.2038% | 1,820 |
| Net operating income to assets | 0.5163% | 4,577 |
| Return on assets (ROA) | 0.5163% | 4,723 |
| Pretax return on assets | 0.6522% | 4,773 |
| Return on Equity (ROE) | 5.9144% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.9144% | 2,728 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0988% | 3,081 |
| Assets per employee ($millions) | 3.6863% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 2,837 |
| Loan loss allowance to noncurrent loans | 234.7826% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 5,214 |
| Noncurrent loans to loans | 0.7413% | 4,648 |
| Net loans and leases to total assets | 62.0244% | 3,058 |
| Net loans and leases to deposits | 68.1001% | 3,766 |
| Net loans and leases to core deposits | 68.1001% | 4,292 |
| Total domestic deposits to total assets | 91.0783% | 498 |
| Equity capital to assets | 8.7792% | 5,725 |
| Core capital (leverage) ratio | 8.7792% | 5,218 |
| Tier 1 risk-based capital ratio | 14.1995% | 4,365 |
| Total risk-based capital ratio | 15.4555% | 4,324 |
| Memoranda: | ||
| Average total assets | $29,438,000 | 6,723 |
| Average earning assets | $28,217,500 | 6,670 |
| Average equity | $2,570,000 | 6,799 |
| Average total loans | $19,206,000 | 6,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 2,141 |
| Cost of funding earning assets | 0.9874% | 1,423 |
| Net interest margin | 3.8266% | 3,120 |
| Noninterest income to average assets | 0.2312% | 5,793 |
| Noninterest expense to average assets | 2.7528% | 4,205 |
| Loan and lease loss provision to assets | 0.1652% | 3,543 |
| Net operating income to assets | 0.5432% | 4,510 |
| Return on assets (ROA) | 0.5432% | 4,761 |
| Pretax return on assets | 0.8552% | 4,085 |
| Return on Equity (ROE) | 5.9730% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.9730% | 2,093 |
| Net charge-offs to loans | 0.1281% | 4,402 |
| Credit loss provision to net charge-offs | 187.5000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 2,014 |
| Efficiency ratio | 72.9572% | 3,248 |
| Assets per employee ($millions) | 3.6733% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 3,471 |
| Loan loss allowance to noncurrent loans | 217.6056% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 5,262 |
| Noncurrent loans to loans | 0.7173% | 4,748 |
| Net loans and leases to total assets | 66.3173% | 2,477 |
| Net loans and leases to deposits | 72.7517% | 3,294 |
| Net loans and leases to core deposits | 75.5730% | 3,593 |
| Total domestic deposits to total assets | 91.1557% | 444 |
| Equity capital to assets | 8.6810% | 5,867 |
| Core capital (leverage) ratio | 8.6810% | 5,355 |
| Tier 1 risk-based capital ratio | 13.1576% | 4,995 |
| Total risk-based capital ratio | 14.3903% | 4,954 |
| Memoranda: | ||
| Average total assets | $27,244,800 | 6,818 |
| Average earning assets | $25,218,200 | 6,779 |
| Average equity | $2,477,800 | 6,883 |
| Average total loans | $18,737,400 | 6,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,731 |
| Cost of funding earning assets | 1.0271% | 1,412 |
| Net interest margin | 3.9564% | 2,679 |
| Noninterest income to average assets | 0.2296% | 5,904 |
| Noninterest expense to average assets | 2.8154% | 3,934 |
| Loan and lease loss provision to assets | 0.1498% | 3,666 |
| Net operating income to assets | 0.5691% | 4,526 |
| Return on assets (ROA) | 0.5691% | 4,796 |
| Pretax return on assets | 0.8986% | 4,101 |
| Return on Equity (ROE) | 6.1801% | 4,243 |
| Retained earnings to average equity (ytd only) | 6.1801% | 2,580 |
| Net charge-offs to loans | 0.1588% | 3,845 |
| Credit loss provision to net charge-offs | 136.3636% | 2,113 |
| Earnings coverage of net charge-offs (x) | 9.5462% | 2,311 |
| Efficiency ratio | 72.8682% | 3,173 |
| Assets per employee ($millions) | 3.4448% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,649 |
| Loan loss allowance to noncurrent loans | 194.7368% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 5,289 |
| Noncurrent loans to loans | 0.8062% | 4,797 |
| Net loans and leases to total assets | 67.3416% | 2,397 |
| Net loans and leases to deposits | 77.3959% | 2,747 |
| Net loans and leases to core deposits | 78.2774% | 3,415 |
| Total domestic deposits to total assets | 87.0092% | 2,662 |
| Equity capital to assets | 9.1335% | 5,665 |
| Core capital (leverage) ratio | 9.1335% | 4,861 |
| Tier 1 risk-based capital ratio | 13.9161% | 4,593 |
| Total risk-based capital ratio | 15.1711% | 4,547 |
| Memoranda: | ||
| Average total assets | $26,709,500 | 6,915 |
| Average earning assets | $24,533,250 | 6,886 |
| Average equity | $2,459,500 | 6,978 |
| Average total loans | $18,472,500 | 6,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 1,604 |
| Cost of funding earning assets | 1.0515% | 1,462 |
| Net interest margin | 4.0156% | 2,436 |
| Noninterest income to average assets | 0.2346% | 5,887 |
| Noninterest expense to average assets | 2.7624% | 4,168 |
| Loan and lease loss provision to assets | 0.2270% | 2,803 |
| Net operating income to assets | 0.5827% | 4,442 |
| Return on assets (ROA) | 0.5827% | 4,705 |
| Pretax return on assets | 0.9157% | 4,019 |
| Return on Equity (ROE) | 6.3106% | 4,149 |
| Retained earnings to average equity (ytd only) | 6.3106% | 2,498 |
| Net charge-offs to loans | -0.0218% | 6,446 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7364% | 3,644 |
| Assets per employee ($millions) | 3.7267% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,847 |
| Loan loss allowance to noncurrent loans | 542.3729% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 6,206 |
| Noncurrent loans to loans | 0.3323% | 5,885 |
| Net loans and leases to total assets | 66.8341% | 2,499 |
| Net loans and leases to deposits | 74.0560% | 3,285 |
| Net loans and leases to core deposits | 74.9119% | 3,900 |
| Total domestic deposits to total assets | 90.2480% | 795 |
| Equity capital to assets | 9.5067% | 5,047 |
| Core capital (leverage) ratio | 9.5067% | 4,132 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,936 |
| Total risk-based capital ratio | 16.0036% | 3,891 |
| Memoranda: | ||
| Average total assets | $26,426,670 | 6,975 |
| Average earning assets | $24,156,000 | 6,952 |
| Average equity | $2,440,330 | 7,024 |
| Average total loans | $18,345,330 | 6,628 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 1,608 |
| Cost of funding earning assets | 1.0809% | 1,495 |
| Net interest margin | 4.0076% | 2,472 |
| Noninterest income to average assets | 0.2406% | 5,906 |
| Noninterest expense to average assets | 2.8274% | 3,915 |
| Loan and lease loss provision to assets | 0.2256% | 2,691 |
| Net operating income to assets | 0.5264% | 4,705 |
| Return on assets (ROA) | 0.5264% | 4,916 |
| Pretax return on assets | 0.8121% | 4,366 |
| Return on Equity (ROE) | 5.7839% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.7839% | 3,086 |
| Net charge-offs to loans | -0.0215% | 6,206 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1518% | 3,234 |
| Assets per employee ($millions) | 3.3138% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 3,358 |
| Loan loss allowance to noncurrent loans | 226.8657% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,600 |
| Noncurrent loans to loans | 0.7487% | 5,165 |
| Net loans and leases to total assets | 66.3674% | 2,399 |
| Net loans and leases to deposits | 73.2839% | 3,237 |
| Net loans and leases to core deposits | 74.1112% | 3,889 |
| Total domestic deposits to total assets | 90.5621% | 770 |
| Equity capital to assets | 9.1965% | 5,237 |
| Core capital (leverage) ratio | 9.1965% | 4,522 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,972 |
| Total risk-based capital ratio | 15.9254% | 3,932 |
| Memoranda: | ||
| Average total assets | $26,596,500 | 7,035 |
| Average earning assets | $24,054,000 | 7,017 |
| Average equity | $2,420,500 | 7,081 |
| Average total loans | $18,640,500 | 6,679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 1,402 |
| Cost of funding earning assets | 1.2708% | 1,615 |
| Net interest margin | 4.1352% | 2,286 |
| Noninterest income to average assets | 0.2337% | 5,865 |
| Noninterest expense to average assets | 3.0649% | 3,336 |
| Loan and lease loss provision to assets | 0.2337% | 3,868 |
| Net operating income to assets | 0.4960% | 4,442 |
| Return on assets (ROA) | 0.4985% | 4,646 |
| Pretax return on assets | 0.7789% | 4,055 |
| Return on Equity (ROE) | 5.4809% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.4809% | 2,313 |
| Net charge-offs to loans | -0.0479% | 7,051 |
| Credit loss provision to net charge-offs | -666.6667% | 6,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2390% | 3,020 |
| Assets per employee ($millions) | 3.8119% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 4,090 |
| Loan loss allowance to noncurrent loans | 192.0000% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 5,566 |
| Noncurrent loans to loans | 0.7739% | 5,140 |
| Net loans and leases to total assets | 71.5624% | 1,722 |
| Net loans and leases to deposits | 78.8854% | 2,695 |
| Net loans and leases to core deposits | 82.3451% | 3,132 |
| Total domestic deposits to total assets | 90.7169% | 617 |
| Equity capital to assets | 9.0057% | 5,546 |
| Core capital (leverage) ratio | 9.0057% | 4,775 |
| Tier 1 risk-based capital ratio | 13.4193% | 4,754 |
| Total risk-based capital ratio | 14.6367% | 4,754 |
| Memoranda: | ||
| Average total assets | $25,677,600 | 7,084 |
| Average earning assets | $23,844,000 | 7,048 |
| Average equity | $2,335,400 | 7,158 |
| Average total loans | $18,788,600 | 6,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 1,344 |
| Cost of funding earning assets | 1.2965% | 1,726 |
| Net interest margin | 4.1714% | 2,205 |
| Noninterest income to average assets | 0.2255% | 6,003 |
| Noninterest expense to average assets | 3.1358% | 3,036 |
| Loan and lease loss provision to assets | 0.2360% | 3,651 |
| Net operating income to assets | 0.4824% | 4,618 |
| Return on assets (ROA) | 0.4824% | 4,816 |
| Pretax return on assets | 0.7341% | 4,367 |
| Return on Equity (ROE) | 5.2905% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.2905% | 2,999 |
| Net charge-offs to loans | -0.0501% | 7,053 |
| Credit loss provision to net charge-offs | -642.8571% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3729% | 2,787 |
| Assets per employee ($millions) | 3.1978% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 4,188 |
| Loan loss allowance to noncurrent loans | 111.9835% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 4,861 |
| Noncurrent loans to loans | 1.3247% | 4,324 |
| Net loans and leases to total assets | 70.3502% | 2,005 |
| Net loans and leases to deposits | 77.7811% | 3,031 |
| Net loans and leases to core deposits | 78.6857% | 3,804 |
| Total domestic deposits to total assets | 90.4464% | 661 |
| Equity capital to assets | 9.2526% | 5,444 |
| Core capital (leverage) ratio | 9.2526% | 4,539 |
| Tier 1 risk-based capital ratio | 14.0675% | 4,304 |
| Total risk-based capital ratio | 15.2799% | 4,304 |
| Memoranda: | ||
| Average total assets | $25,426,250 | 7,163 |
| Average earning assets | $23,652,750 | 7,129 |
| Average equity | $2,318,500 | 7,231 |
| Average total loans | $18,640,000 | 6,791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4460% | 1,423 |
| Cost of funding earning assets | 1.3047% | 1,917 |
| Net interest margin | 4.1413% | 2,260 |
| Noninterest income to average assets | 0.2365% | 5,960 |
| Noninterest expense to average assets | 3.0897% | 3,291 |
| Loan and lease loss provision to assets | 0.3547% | 2,658 |
| Net operating income to assets | 0.4493% | 4,725 |
| Return on assets (ROA) | 0.4493% | 4,862 |
| Pretax return on assets | 0.6700% | 4,499 |
| Return on Equity (ROE) | 4.9515% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.9515% | 3,036 |
| Net charge-offs to loans | -0.0746% | 7,106 |
| Credit loss provision to net charge-offs | -642.8571% | 6,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0958% | 3,164 |
| Assets per employee ($millions) | 3.1954% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 4,551 |
| Loan loss allowance to noncurrent loans | 170.4403% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 5,681 |
| Noncurrent loans to loans | 0.8236% | 5,285 |
| Net loans and leases to total assets | 74.4592% | 1,335 |
| Net loans and leases to deposits | 83.9020% | 2,120 |
| Net loans and leases to core deposits | 87.8276% | 2,666 |
| Total domestic deposits to total assets | 88.7455% | 1,696 |
| Equity capital to assets | 9.1226% | 5,393 |
| Core capital (leverage) ratio | 9.1226% | 4,530 |
| Tier 1 risk-based capital ratio | 13.2095% | 4,761 |
| Total risk-based capital ratio | 14.4556% | 4,742 |
| Memoranda: | ||
| Average total assets | $25,374,330 | 7,231 |
| Average earning assets | $23,760,670 | 7,190 |
| Average equity | $2,302,330 | 7,292 |
| Average total loans | $18,764,000 | 6,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 1,466 |
| Cost of funding earning assets | 1.3329% | 1,990 |
| Net interest margin | 4.1013% | 2,263 |
| Noninterest income to average assets | 0.2848% | 5,636 |
| Noninterest expense to average assets | 3.1646% | 3,012 |
| Loan and lease loss provision to assets | 0.3481% | 2,475 |
| Net operating income to assets | 0.3956% | 4,970 |
| Return on assets (ROA) | 0.3956% | 5,063 |
| Pretax return on assets | 0.5696% | 4,803 |
| Return on Equity (ROE) | 4.3716% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.3716% | 3,546 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5194% | 2,912 |
| Assets per employee ($millions) | 3.1881% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,929 |
| Loan loss allowance to noncurrent loans | 138.5057% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 5,398 |
| Noncurrent loans to loans | 0.9688% | 5,106 |
| Net loans and leases to total assets | 69.4727% | 2,228 |
| Net loans and leases to deposits | 76.6625% | 3,307 |
| Net loans and leases to core deposits | 80.1765% | 3,727 |
| Total domestic deposits to total assets | 90.6214% | 789 |
| Equity capital to assets | 9.0178% | 5,179 |
| Core capital (leverage) ratio | 9.0178% | 4,584 |
| Tier 1 risk-based capital ratio | 13.4676% | 4,444 |
| Total risk-based capital ratio | 14.7148% | 4,425 |
| Memoranda: | ||
| Average total assets | $25,280,000 | 7,282 |
| Average earning assets | $23,407,000 | 7,254 |
| Average equity | $2,287,500 | 7,343 |
| Average total loans | $18,493,500 | 6,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 1,349 |
| Cost of funding earning assets | 1.4752% | 2,788 |
| Net interest margin | 4.2973% | 1,827 |
| Noninterest income to average assets | 0.2445% | 6,050 |
| Noninterest expense to average assets | 3.2031% | 3,082 |
| Loan and lease loss provision to assets | 0.3648% | 3,925 |
| Net operating income to assets | 0.4450% | 4,339 |
| Return on assets (ROA) | 0.4450% | 4,504 |
| Pretax return on assets | 0.7056% | 3,959 |
| Return on Equity (ROE) | 5.0045% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.0045% | 2,406 |
| Net charge-offs to loans | 0.1287% | 5,614 |
| Credit loss provision to net charge-offs | 379.1667% | 661 |
| Earnings coverage of net charge-offs (x) | 11.1250% | 1,634 |
| Efficiency ratio | 74.9531% | 3,214 |
| Assets per employee ($millions) | 3.1319% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,733 |
| Loan loss allowance to noncurrent loans | 122.3464% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 5,421 |
| Noncurrent loans to loans | 0.9408% | 5,165 |
| Net loans and leases to total assets | 75.0669% | 1,462 |
| Net loans and leases to deposits | 82.9643% | 2,637 |
| Net loans and leases to core deposits | 86.8409% | 3,208 |
| Total domestic deposits to total assets | 90.4809% | 844 |
| Equity capital to assets | 9.0800% | 5,025 |
| Core capital (leverage) ratio | 9.0800% | 4,394 |
| Tier 1 risk-based capital ratio | 12.9852% | 4,608 |
| Total risk-based capital ratio | 14.2352% | 4,578 |
| Memoranda: | ||
| Average total assets | $24,944,400 | 7,347 |
| Average earning assets | $23,387,000 | 7,308 |
| Average equity | $2,218,000 | 7,463 |
| Average total loans | $18,644,400 | 6,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 1,558 |
| Cost of funding earning assets | 1.5193% | 2,848 |
| Net interest margin | 4.2279% | 2,112 |
| Noninterest income to average assets | 0.2355% | 6,202 |
| Noninterest expense to average assets | 3.1946% | 2,945 |
| Loan and lease loss provision to assets | 0.3639% | 3,712 |
| Net operating income to assets | 0.4334% | 4,614 |
| Return on assets (ROA) | 0.4334% | 4,792 |
| Pretax return on assets | 0.6529% | 4,416 |
| Return on Equity (ROE) | 4.9007% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.9007% | 3,054 |
| Net charge-offs to loans | 0.1725% | 4,932 |
| Credit loss provision to net charge-offs | 283.3333% | 1,143 |
| Earnings coverage of net charge-offs (x) | 7.9166% | 2,241 |
| Efficiency ratio | 75.8577% | 2,980 |
| Assets per employee ($millions) | 3.0459% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 6,175 |
| Loan loss allowance to noncurrent loans | 105.9459% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 5,412 |
| Noncurrent loans to loans | 0.9891% | 5,260 |
| Net loans and leases to total assets | 75.9552% | 1,414 |
| Net loans and leases to deposits | 84.7785% | 2,559 |
| Net loans and leases to core deposits | 87.3225% | 3,467 |
| Total domestic deposits to total assets | 89.5925% | 1,073 |
| Equity capital to assets | 9.2133% | 5,294 |
| Core capital (leverage) ratio | 9.2133% | 4,346 |
| Tier 1 risk-based capital ratio | 11.3890% | 6,031 |
| Total risk-based capital ratio | 12.3833% | 6,247 |
| Memoranda: | ||
| Average total assets | $24,916,750 | 7,442 |
| Average earning assets | $23,430,750 | 7,399 |
| Average equity | $2,203,750 | 7,565 |
| Average total loans | $18,548,750 | 7,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7262% | 1,668 |
| Cost of funding earning assets | 1.5547% | 2,934 |
| Net interest margin | 4.1714% | 2,252 |
| Noninterest income to average assets | 0.2470% | 6,144 |
| Noninterest expense to average assets | 3.1076% | 3,284 |
| Loan and lease loss provision to assets | 0.3665% | 3,512 |
| Net operating income to assets | 0.4542% | 4,534 |
| Return on assets (ROA) | 0.4542% | 4,692 |
| Pretax return on assets | 0.6853% | 4,289 |
| Return on Equity (ROE) | 5.2055% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.2055% | 2,770 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7126% | 3,327 |
| Assets per employee ($millions) | 3.1380% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 6,097 |
| Loan loss allowance to noncurrent loans | 91.2442% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9839% | 5,169 |
| Noncurrent loans to loans | 1.1692% | 5,002 |
| Net loans and leases to total assets | 73.1437% | 2,128 |
| Net loans and leases to deposits | 80.7192% | 3,481 |
| Net loans and leases to core deposits | 84.4696% | 4,073 |
| Total domestic deposits to total assets | 90.6150% | 638 |
| Equity capital to assets | 8.8472% | 5,672 |
| Core capital (leverage) ratio | 8.8472% | 4,841 |
| Tier 1 risk-based capital ratio | 13.5982% | 4,005 |
| Total risk-based capital ratio | 14.8105% | 3,998 |
| Memoranda: | ||
| Average total assets | $25,100,000 | 7,496 |
| Average earning assets | $23,541,000 | 7,451 |
| Average equity | $2,190,000 | 7,631 |
| Average total loans | $18,497,000 | 7,151 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6885% | 1,816 |
| Cost of funding earning assets | 1.6791% | 2,485 |
| Net interest margin | 4.0093% | 2,839 |
| Noninterest income to average assets | 0.2231% | 6,368 |
| Noninterest expense to average assets | 3.1238% | 3,164 |
| Loan and lease loss provision to assets | 0.3666% | 3,170 |
| Net operating income to assets | 0.3347% | 5,145 |
| Return on assets (ROA) | 0.3347% | 5,267 |
| Pretax return on assets | 0.4622% | 5,077 |
| Return on Equity (ROE) | 3.8630% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.8630% | 3,820 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 2,715 |
| Assets per employee ($millions) | 3.0943% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,632 |
| Loan loss allowance to noncurrent loans | 83.7321% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 5,222 |
| Noncurrent loans to loans | 1.1497% | 5,070 |
| Net loans and leases to total assets | 72.7317% | 2,279 |
| Net loans and leases to deposits | 80.2031% | 3,622 |
| Net loans and leases to core deposits | 81.1393% | 4,604 |
| Total domestic deposits to total assets | 90.6843% | 663 |
| Equity capital to assets | 8.8269% | 5,495 |
| Core capital (leverage) ratio | 8.8269% | 4,825 |
| Tier 1 risk-based capital ratio | 13.5681% | 3,947 |
| Total risk-based capital ratio | 14.6547% | 4,004 |
| Memoranda: | ||
| Average total assets | $25,098,000 | 7,586 |
| Average earning assets | $23,345,500 | 7,555 |
| Average equity | $2,174,500 | 7,718 |
| Average total loans | $18,465,500 | 7,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 1,707 |
| Cost of funding earning assets | 2.3271% | 1,552 |
| Net interest margin | 3.7149% | 4,068 |
| Noninterest income to average assets | 0.2545% | 6,283 |
| Noninterest expense to average assets | 3.0303% | 4,026 |
| Loan and lease loss provision to assets | 0.0887% | 6,725 |
| Net operating income to assets | 0.3752% | 4,231 |
| Return on assets (ROA) | 0.3778% | 4,319 |
| Pretax return on assets | 0.5552% | 4,032 |
| Return on Equity (ROE) | 4.6288% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.6288% | 2,015 |
| Net charge-offs to loans | 0.1715% | 5,575 |
| Credit loss provision to net charge-offs | 69.6970% | 6,495 |
| Earnings coverage of net charge-offs (x) | 5.0303% | 2,707 |
| Efficiency ratio | 82.5630% | 2,542 |
| Assets per employee ($millions) | 3.1803% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,802 |
| Loan loss allowance to noncurrent loans | 70.1245% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 5,212 |
| Noncurrent loans to loans | 1.2852% | 4,784 |
| Net loans and leases to total assets | 73.0406% | 2,503 |
| Net loans and leases to deposits | 83.8659% | 3,302 |
| Net loans and leases to core deposits | 93.3303% | 4,746 |
| Total domestic deposits to total assets | 87.0922% | 2,449 |
| Equity capital to assets | 8.5056% | 5,871 |
| Core capital (leverage) ratio | 8.5056% | 5,275 |
| Tier 1 risk-based capital ratio | 13.8780% | 3,581 |
| Total risk-based capital ratio | 14.9618% | 3,618 |
| Memoranda: | ||
| Average total assets | $25,938,000 | 7,612 |
| Average earning assets | $23,849,600 | 7,590 |
| Average equity | $2,117,200 | 7,820 |
| Average total loans | $19,237,800 | 7,244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0323% | 1,912 |
| Cost of funding earning assets | 2.3333% | 1,866 |
| Net interest margin | 3.6990% | 4,073 |
| Noninterest income to average assets | 0.2507% | 6,444 |
| Noninterest expense to average assets | 3.0542% | 3,827 |
| Loan and lease loss provision to assets | 0.0409% | 6,955 |
| Net operating income to assets | 0.3905% | 4,436 |
| Return on assets (ROA) | 0.3939% | 4,522 |
| Pretax return on assets | 0.5832% | 4,241 |
| Return on Equity (ROE) | 4.8758% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.8758% | 2,565 |
| Net charge-offs to loans | 0.2273% | 4,637 |
| Credit loss provision to net charge-offs | 24.2424% | 6,540 |
| Earnings coverage of net charge-offs (x) | 3.6666% | 3,435 |
| Efficiency ratio | 83.1476% | 2,411 |
| Assets per employee ($millions) | 3.4444% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,099 |
| Loan loss allowance to noncurrent loans | 114.0741% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 6,241 |
| Noncurrent loans to loans | 0.7061% | 5,889 |
| Net loans and leases to total assets | 68.8224% | 3,766 |
| Net loans and leases to deposits | 85.0213% | 3,497 |
| Net loans and leases to core deposits | 94.4610% | 4,976 |
| Total domestic deposits to total assets | 80.9472% | 5,098 |
| Equity capital to assets | 7.7772% | 7,059 |
| Core capital (leverage) ratio | 7.7772% | 6,633 |
| Tier 1 risk-based capital ratio | 12.8024% | 4,324 |
| Total risk-based capital ratio | 13.7224% | 4,517 |
| Memoranda: | ||
| Average total assets | $26,062,000 | 7,676 |
| Average earning assets | $24,114,000 | 7,647 |
| Average equity | $2,105,500 | 7,902 |
| Average total loans | $19,359,250 | 7,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 1,846 |
| Cost of funding earning assets | 2.3499% | 2,159 |
| Net interest margin | 3.7328% | 3,818 |
| Noninterest income to average assets | 0.2582% | 6,430 |
| Noninterest expense to average assets | 2.9964% | 4,094 |
| Loan and lease loss provision to assets | 0.0391% | 6,844 |
| Net operating income to assets | 0.4408% | 4,333 |
| Return on assets (ROA) | 0.4459% | 4,411 |
| Pretax return on assets | 0.6728% | 4,088 |
| Return on Equity (ROE) | 5.4467% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.4467% | 2,272 |
| Net charge-offs to loans | 0.0823% | 5,381 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,921 |
| Efficiency ratio | 80.9725% | 2,890 |
| Assets per employee ($millions) | 3.3681% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 6,764 |
| Loan loss allowance to noncurrent loans | 125.7143% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 5,942 |
| Noncurrent loans to loans | 0.7165% | 5,804 |
| Net loans and leases to total assets | 71.8649% | 3,254 |
| Net loans and leases to deposits | 89.2432% | 2,946 |
| Net loans and leases to core deposits | 97.1503% | 4,767 |
| Total domestic deposits to total assets | 80.5270% | 5,266 |
| Equity capital to assets | 7.8790% | 6,886 |
| Core capital (leverage) ratio | 7.8790% | 6,520 |
| Tier 1 risk-based capital ratio | 13.0437% | 4,115 |
| Total risk-based capital ratio | 14.1251% | 4,143 |
| Memoranda: | ||
| Average total assets | $25,564,330 | 7,771 |
| Average earning assets | $23,575,000 | 7,740 |
| Average equity | $2,093,000 | 7,983 |
| Average total loans | $19,439,670 | 7,364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1979% | 1,608 |
| Cost of funding earning assets | 2.4686% | 2,030 |
| Net interest margin | 3.7292% | 3,766 |
| Noninterest income to average assets | 0.2734% | 6,242 |
| Noninterest expense to average assets | 3.1036% | 3,361 |
| Loan and lease loss provision to assets | 0.0322% | 6,530 |
| Net operating income to assets | 0.3859% | 4,914 |
| Return on assets (ROA) | 0.3859% | 5,096 |
| Pretax return on assets | 0.5628% | 4,873 |
| Return on Equity (ROE) | 4.6198% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.6198% | 3,355 |
| Net charge-offs to loans | 0.1444% | 3,808 |
| Credit loss provision to net charge-offs | 28.5714% | 4,966 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,705 |
| Efficiency ratio | 83.9130% | 2,318 |
| Assets per employee ($millions) | 3.2604% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 6,766 |
| Loan loss allowance to noncurrent loans | 94.0541% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 5,380 |
| Noncurrent loans to loans | 0.9542% | 5,086 |
| Net loans and leases to total assets | 73.6610% | 2,850 |
| Net loans and leases to deposits | 91.9987% | 2,605 |
| Net loans and leases to core deposits | 97.4784% | 4,802 |
| Total domestic deposits to total assets | 80.0675% | 5,344 |
| Equity capital to assets | 8.0129% | 6,786 |
| Core capital (leverage) ratio | 8.0129% | 6,425 |
| Tier 1 risk-based capital ratio | 12.9244% | 4,228 |
| Total risk-based capital ratio | 14.0004% | 4,267 |
| Memoranda: | ||
| Average total assets | $24,874,000 | 7,838 |
| Average earning assets | $22,846,500 | 7,810 |
| Average equity | $2,078,000 | 8,040 |
| Average total loans | $19,389,500 | 7,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9600% | 1,232 |
| Cost of funding earning assets | 2.9628% | 2,018 |
| Net interest margin | 3.9972% | 3,128 |
| Noninterest income to average assets | 0.2298% | 6,791 |
| Noninterest expense to average assets | 3.2816% | 3,026 |
| Loan and lease loss provision to assets | 0.0260% | 7,075 |
| Net operating income to assets | 0.4605% | 4,906 |
| Return on assets (ROA) | 0.4508% | 4,773 |
| Pretax return on assets | 0.6112% | 4,659 |
| Return on Equity (ROE) | 5.1716% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.1716% | 1,919 |
| Net charge-offs to loans | 0.0563% | 5,970 |
| Credit loss provision to net charge-offs | 54.5455% | 6,298 |
| Earnings coverage of net charge-offs (x) | 13.6364% | 2,116 |
| Efficiency ratio | 83.4620% | 2,119 |
| Assets per employee ($millions) | 2.9581% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,542 |
| Loan loss allowance to noncurrent loans | 158.4071% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 5,790 |
| Noncurrent loans to loans | 0.5827% | 5,626 |
| Net loans and leases to total assets | 81.1874% | 1,393 |
| Net loans and leases to deposits | 103.9327% | 1,349 |
| Net loans and leases to core deposits | 112.9247% | 3,454 |
| Total domestic deposits to total assets | 78.1154% | 5,673 |
| Equity capital to assets | 8.7302% | 5,759 |
| Core capital (leverage) ratio | 8.7302% | 5,148 |
| Tier 1 risk-based capital ratio | 13.4130% | 3,867 |
| Total risk-based capital ratio | 14.5751% | 3,816 |
| Memoranda: | ||
| Average total assets | $23,067,800 | 7,908 |
| Average earning assets | $21,364,800 | 7,883 |
| Average equity | $2,011,000 | 8,119 |
| Average total loans | $19,550,000 | 7,364 |