Home > The Bank of Bolivar County > Performance and Condition Ratios
The Bank of Bolivar County, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 5,413 |
| Cost of funding earning assets | 0.2259% | 5,622 |
| Net interest margin | 3.2660% | 4,734 |
| Noninterest income to average assets | 0.4447% | 3,926 |
| Noninterest expense to average assets | 3.3235% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0728% | 6,200 |
| Return on assets (ROA) | 0.1294% | 6,012 |
| Pretax return on assets | 0.1294% | 6,029 |
| Return on Equity (ROE) | 1.4677% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.4677% | 5,311 |
| 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 | 102.2388% | 322 |
| Assets per employee ($millions) | 2.2739% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 17.5787% | 6,478 |
| Net loans and leases to deposits | 19.5966% | 6,491 |
| Net loans and leases to core deposits | 20.3506% | 6,490 |
| Total domestic deposits to total assets | 89.7028% | 874 |
| Equity capital to assets | 10.0773% | 4,073 |
| Core capital (leverage) ratio | 11.3383% | 2,185 |
| Tier 1 risk-based capital ratio | 36.2120% | 319 |
| Total risk-based capital ratio | 37.4628% | 313 |
| Memoranda: | ||
| Average total assets | $16,488,250 | 6,530 |
| Average earning assets | $14,166,000 | 6,527 |
| Average equity | $1,453,250 | 6,544 |
| Average total loans | $2,922,750 | 6,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4252% | 5,569 |
| Cost of funding earning assets | 0.2175% | 5,773 |
| Net interest margin | 3.2078% | 4,920 |
| Noninterest income to average assets | 0.4557% | 3,827 |
| Noninterest expense to average assets | 3.1777% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1079% | 6,030 |
| Return on assets (ROA) | 0.1079% | 6,067 |
| Pretax return on assets | 0.1079% | 6,083 |
| Return on Equity (ROE) | 1.2830% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.2830% | 5,232 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7153% | 523 |
| Assets per employee ($millions) | 2.4073% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 1,282 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 5,766 |
| Noncurrent loans to loans | 0.7150% | 3,914 |
| Net loans and leases to total assets | 17.8862% | 6,542 |
| Net loans and leases to deposits | 19.7419% | 6,557 |
| Net loans and leases to core deposits | 20.4505% | 6,550 |
| Total domestic deposits to total assets | 90.6000% | 547 |
| Equity capital to assets | 9.2220% | 5,081 |
| Core capital (leverage) ratio | 10.9293% | 2,498 |
| Tier 1 risk-based capital ratio | 34.8218% | 351 |
| Total risk-based capital ratio | 36.0291% | 347 |
| Memoranda: | ||
| Average total assets | $16,678,670 | 6,595 |
| Average earning assets | $14,714,330 | 6,589 |
| Average equity | $1,403,000 | 6,613 |
| Average total loans | $2,943,330 | 6,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 5,644 |
| Cost of funding earning assets | 0.2177% | 5,863 |
| Net interest margin | 3.1840% | 4,974 |
| Noninterest income to average assets | 0.4339% | 3,915 |
| Noninterest expense to average assets | 3.2063% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0482% | 6,136 |
| Return on assets (ROA) | 0.0482% | 6,154 |
| Pretax return on assets | 0.0482% | 6,159 |
| Return on Equity (ROE) | 0.6026% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.6026% | 5,342 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5185% | 525 |
| Assets per employee ($millions) | 2.1620% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 1,163 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 5,755 |
| Noncurrent loans to loans | 0.9773% | 3,470 |
| Net loans and leases to total assets | 16.2003% | 6,624 |
| Net loans and leases to deposits | 17.6382% | 6,636 |
| Net loans and leases to core deposits | 17.9512% | 6,632 |
| Total domestic deposits to total assets | 91.8478% | 290 |
| Equity capital to assets | 8.0192% | 6,046 |
| Core capital (leverage) ratio | 11.1673% | 2,250 |
| Tier 1 risk-based capital ratio | 33.4442% | 402 |
| Total risk-based capital ratio | 34.6083% | 398 |
| Memoranda: | ||
| Average total assets | $16,592,500 | 6,671 |
| Average earning assets | $14,698,500 | 6,659 |
| Average equity | $1,327,500 | 6,681 |
| Average total loans | $2,876,500 | 6,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 6,115 |
| Cost of funding earning assets | 0.2398% | 6,034 |
| Net interest margin | 2.9809% | 5,621 |
| Noninterest income to average assets | 0.4787% | 3,900 |
| Noninterest expense to average assets | 3.1257% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0058% | 6,205 |
| Return on assets (ROA) | 0.4498% | 5,080 |
| Pretax return on assets | 0.4498% | 5,360 |
| Return on Equity (ROE) | 4.9751% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.5286% | 2,951 |
| Net charge-offs to loans | 0.0344% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,741 |
| Efficiency ratio | 99.8158% | 481 |
| Assets per employee ($millions) | 2.2699% | 6,536 |
| Cash dividends to net income (ytd only)* | 8.9744% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 1,202 |
| Loan loss allowance to noncurrent loans | 217.2414% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 5,766 |
| Noncurrent loans to loans | 1.0042% | 3,504 |
| Net loans and leases to total assets | 17.7796% | 6,696 |
| Net loans and leases to deposits | 19.3427% | 6,712 |
| Net loans and leases to core deposits | 19.7153% | 6,706 |
| Total domestic deposits to total assets | 91.9189% | 297 |
| Equity capital to assets | 7.9804% | 6,034 |
| Core capital (leverage) ratio | 11.1241% | 2,263 |
| Tier 1 risk-based capital ratio | 34.9778% | 332 |
| Total risk-based capital ratio | 36.1966% | 327 |
| Memoranda: | ||
| Average total assets | $17,340,200 | 6,734 |
| Average earning assets | $15,431,800 | 6,729 |
| Average equity | $1,567,800 | 6,752 |
| Average total loans | $2,909,400 | 6,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 6,278 |
| Cost of funding earning assets | 0.2366% | 6,183 |
| Net interest margin | 2.8981% | 5,820 |
| Noninterest income to average assets | 0.4519% | 4,142 |
| Noninterest expense to average assets | 2.9975% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0377% | 6,238 |
| Return on assets (ROA) | 0.6176% | 4,397 |
| Pretax return on assets | 0.6176% | 4,958 |
| Return on Equity (ROE) | 6.6553% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.6553% | 2,059 |
| Net charge-offs to loans | 0.0456% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.0150% | 3,304 |
| Efficiency ratio | 98.7593% | 507 |
| Assets per employee ($millions) | 2.4013% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 1,857 |
| Loan loss allowance to noncurrent loans | 217.2414% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 5,920 |
| Noncurrent loans to loans | 0.8967% | 4,030 |
| Net loans and leases to total assets | 18.8649% | 6,764 |
| Net loans and leases to deposits | 20.5642% | 6,783 |
| Net loans and leases to core deposits | 20.9390% | 6,781 |
| Total domestic deposits to total assets | 91.7366% | 302 |
| Equity capital to assets | 8.0850% | 6,089 |
| Core capital (leverage) ratio | 10.6690% | 2,819 |
| Tier 1 risk-based capital ratio | 32.4991% | 424 |
| Total risk-based capital ratio | 33.6253% | 420 |
| Memoranda: | ||
| Average total assets | $17,703,000 | 6,807 |
| Average earning assets | $15,780,250 | 6,799 |
| Average equity | $1,642,750 | 6,818 |
| Average total loans | $2,914,750 | 6,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 6,539 |
| Cost of funding earning assets | 0.2356% | 6,264 |
| Net interest margin | 2.6542% | 6,254 |
| Noninterest income to average assets | 0.4444% | 4,206 |
| Noninterest expense to average assets | 2.9443% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1222% | 6,428 |
| Return on assets (ROA) | -0.1222% | 6,473 |
| Pretax return on assets | -0.1222% | 6,444 |
| Return on Equity (ROE) | -1.2663% | 6,475 |
| Retained earnings to average equity (ytd only) | -1.2663% | 6,088 |
| Net charge-offs to loans | 0.0712% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 4,864 |
| Efficiency ratio | 104.3307% | 378 |
| Assets per employee ($millions) | 2.5766% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 1,975 |
| Loan loss allowance to noncurrent loans | 217.2414% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 6,012 |
| Noncurrent loans to loans | 0.8959% | 4,136 |
| Net loans and leases to total assets | 17.5981% | 6,822 |
| Net loans and leases to deposits | 19.2015% | 6,841 |
| Net loans and leases to core deposits | 19.5275% | 6,841 |
| Total domestic deposits to total assets | 91.6500% | 329 |
| Equity capital to assets | 8.1836% | 6,068 |
| Core capital (leverage) ratio | 9.4474% | 4,326 |
| Tier 1 risk-based capital ratio | 31.0587% | 474 |
| Total risk-based capital ratio | 32.1930% | 469 |
| Memoranda: | ||
| Average total assets | $18,001,000 | 6,853 |
| Average earning assets | $16,125,670 | 6,843 |
| Average equity | $1,737,330 | 6,852 |
| Average total loans | $2,808,330 | 6,889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6022% | 6,779 |
| Cost of funding earning assets | 0.2230% | 6,459 |
| Net interest margin | 2.3792% | 6,617 |
| Noninterest income to average assets | 0.4671% | 4,011 |
| Noninterest expense to average assets | 2.9360% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3336% | 6,597 |
| Return on assets (ROA) | -0.3336% | 6,626 |
| Pretax return on assets | -0.3336% | 6,610 |
| Return on Equity (ROE) | -3.2120% | 6,619 |
| Retained earnings to average equity (ytd only) | -3.2120% | 6,205 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8205% | 288 |
| Assets per employee ($millions) | 2.6359% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2362% | 1,509 |
| Loan loss allowance to noncurrent loans | 220.6897% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,099 |
| Noncurrent loans to loans | 1.0133% | 4,103 |
| Net loans and leases to total assets | 15.1645% | 6,918 |
| Net loans and leases to deposits | 16.9237% | 6,934 |
| Net loans and leases to core deposits | 17.2100% | 6,929 |
| Total domestic deposits to total assets | 89.6049% | 1,292 |
| Equity capital to assets | 9.9453% | 4,221 |
| Core capital (leverage) ratio | 9.6092% | 3,904 |
| Tier 1 risk-based capital ratio | 34.6906% | 357 |
| Total risk-based capital ratio | 35.9403% | 350 |
| Memoranda: | ||
| Average total assets | $17,983,500 | 6,926 |
| Average earning assets | $16,140,000 | 6,914 |
| Average equity | $1,868,000 | 6,898 |
| Average total loans | $2,594,000 | 6,968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8954% | 6,819 |
| Cost of funding earning assets | 0.3109% | 6,401 |
| Net interest margin | 2.5845% | 6,646 |
| Noninterest income to average assets | 0.5524% | 3,561 |
| Noninterest expense to average assets | 3.2635% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4622% | 6,546 |
| Return on assets (ROA) | -0.4622% | 6,589 |
| Pretax return on assets | -0.4622% | 6,553 |
| Return on Equity (ROE) | -4.1875% | 6,561 |
| Retained earnings to average equity (ytd only) | -4.1875% | 6,377 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4990% | 243 |
| Assets per employee ($millions) | 2.5023% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7515% | 874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 12.9139% | 6,996 |
| Net loans and leases to deposits | 14.5870% | 7,002 |
| Net loans and leases to core deposits | 14.8484% | 6,993 |
| Total domestic deposits to total assets | 88.5305% | 1,884 |
| Equity capital to assets | 10.8529% | 3,117 |
| Core capital (leverage) ratio | 9.8564% | 3,598 |
| Tier 1 risk-based capital ratio | 39.0952% | 250 |
| Total risk-based capital ratio | 40.3556% | 248 |
| Memoranda: | ||
| Average total assets | $17,741,800 | 6,991 |
| Average earning assets | $15,438,200 | 6,986 |
| Average equity | $1,958,200 | 6,955 |
| Average total loans | $2,806,800 | 7,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0052% | 6,901 |
| Cost of funding earning assets | 0.3301% | 6,466 |
| Net interest margin | 2.6752% | 6,675 |
| Noninterest income to average assets | 0.5019% | 3,918 |
| Noninterest expense to average assets | 3.2512% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4420% | 6,670 |
| Return on assets (ROA) | -0.4420% | 6,711 |
| Pretax return on assets | -0.4420% | 6,679 |
| Return on Equity (ROE) | -3.9878% | 6,673 |
| Retained earnings to average equity (ytd only) | -3.9878% | 6,551 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7333% | 230 |
| Assets per employee ($millions) | 2.5759% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3332% | 1,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 14.8577% | 7,080 |
| Net loans and leases to deposits | 16.8353% | 7,095 |
| Net loans and leases to core deposits | 17.1292% | 7,089 |
| Total domestic deposits to total assets | 88.2536% | 1,876 |
| Equity capital to assets | 10.9090% | 3,374 |
| Core capital (leverage) ratio | 9.9127% | 3,677 |
| Tier 1 risk-based capital ratio | 35.9640% | 326 |
| Total risk-based capital ratio | 37.2112% | 322 |
| Memoranda: | ||
| Average total assets | $17,798,250 | 7,087 |
| Average earning assets | $15,350,750 | 7,082 |
| Average equity | $1,972,500 | 7,044 |
| Average total loans | $2,927,000 | 7,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 6,903 |
| Cost of funding earning assets | 0.3481% | 6,517 |
| Net interest margin | 2.8117% | 6,554 |
| Noninterest income to average assets | 0.4740% | 4,103 |
| Noninterest expense to average assets | 3.2956% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.4515% | 6,710 |
| Return on assets (ROA) | -0.4515% | 6,756 |
| Pretax return on assets | -0.4515% | 6,727 |
| Return on Equity (ROE) | -4.0520% | 6,726 |
| Retained earnings to average equity (ytd only) | -4.0520% | 6,553 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8730% | 256 |
| Assets per employee ($millions) | 2.2631% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3222% | 1,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 14.8688% | 7,145 |
| Net loans and leases to deposits | 16.8250% | 7,158 |
| Net loans and leases to core deposits | 17.1181% | 7,155 |
| Total domestic deposits to total assets | 88.3734% | 1,908 |
| Equity capital to assets | 10.8865% | 3,243 |
| Core capital (leverage) ratio | 9.8833% | 3,605 |
| Tier 1 risk-based capital ratio | 36.6729% | 311 |
| Total risk-based capital ratio | 37.9303% | 310 |
| Memoranda: | ||
| Average total assets | $17,720,670 | 7,149 |
| Average earning assets | $14,937,670 | 7,147 |
| Average equity | $1,974,330 | 7,094 |
| Average total loans | $2,988,330 | 7,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 6,882 |
| Cost of funding earning assets | 0.3751% | 6,528 |
| Net interest margin | 2.9472% | 6,396 |
| Noninterest income to average assets | 0.4792% | 4,069 |
| Noninterest expense to average assets | 3.3545% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3651% | 6,746 |
| Return on assets (ROA) | -0.3651% | 6,787 |
| Pretax return on assets | -0.3651% | 6,763 |
| Return on Equity (ROE) | -3.2389% | 6,771 |
| Retained earnings to average equity (ytd only) | -3.2389% | 6,425 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2137% | 311 |
| Assets per employee ($millions) | 2.0561% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2425% | 1,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 15.0770% | 7,200 |
| Net loans and leases to deposits | 16.9625% | 7,219 |
| Net loans and leases to core deposits | 17.2499% | 7,215 |
| Total domestic deposits to total assets | 88.8841% | 1,771 |
| Equity capital to assets | 10.5701% | 3,412 |
| Core capital (leverage) ratio | 10.2858% | 3,010 |
| Tier 1 risk-based capital ratio | 37.1599% | 283 |
| Total risk-based capital ratio | 38.4171% | 278 |
| Memoranda: | ||
| Average total assets | $17,528,500 | 7,212 |
| Average earning assets | $14,929,500 | 7,208 |
| Average equity | $1,976,000 | 7,152 |
| Average total loans | $3,104,500 | 7,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 6,423 |
| Cost of funding earning assets | 0.4707% | 6,652 |
| Net interest margin | 3.5450% | 4,963 |
| Noninterest income to average assets | 0.6485% | 2,896 |
| Noninterest expense to average assets | 3.5635% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0061% | 6,025 |
| Return on assets (ROA) | 0.0061% | 6,152 |
| Pretax return on assets | 0.0061% | 6,120 |
| Return on Equity (ROE) | 0.0510% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.0510% | 5,813 |
| Net charge-offs to loans | 0.0327% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,042 |
| Efficiency ratio | 99.8302% | 678 |
| Assets per employee ($millions) | 1.8391% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 19.8828% | 7,206 |
| Net loans and leases to deposits | 22.7972% | 7,225 |
| Net loans and leases to core deposits | 23.2333% | 7,223 |
| Total domestic deposits to total assets | 87.2160% | 2,636 |
| Equity capital to assets | 12.0590% | 2,079 |
| Core capital (leverage) ratio | 10.9664% | 2,297 |
| Tier 1 risk-based capital ratio | 36.7030% | 293 |
| Total risk-based capital ratio | 37.9540% | 292 |
| Memoranda: | ||
| Average total assets | $16,500,600 | 7,266 |
| Average earning assets | $13,596,800 | 7,271 |
| Average equity | $1,961,400 | 7,213 |
| Average total loans | $3,053,600 | 7,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 6,253 |
| Cost of funding earning assets | 0.4901% | 6,740 |
| Net interest margin | 3.6906% | 4,384 |
| Noninterest income to average assets | 0.6388% | 2,945 |
| Noninterest expense to average assets | 3.5824% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0405% | 6,092 |
| Return on assets (ROA) | 0.0405% | 6,188 |
| Pretax return on assets | 0.0405% | 6,175 |
| Return on Equity (ROE) | 0.3416% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.3416% | 5,850 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8839% | 701 |
| Assets per employee ($millions) | 1.8851% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 2,040 |
| Loan loss allowance to noncurrent loans | 6,500.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,066 |
| Noncurrent loans to loans | 0.0325% | 6,859 |
| Net loans and leases to total assets | 17.7590% | 7,310 |
| Net loans and leases to deposits | 20.4036% | 7,329 |
| Net loans and leases to core deposits | 20.7850% | 7,325 |
| Total domestic deposits to total assets | 87.0388% | 2,631 |
| Equity capital to assets | 12.0358% | 2,218 |
| Core capital (leverage) ratio | 10.9377% | 2,444 |
| Tier 1 risk-based capital ratio | 37.4127% | 292 |
| Total risk-based capital ratio | 38.6653% | 290 |
| Memoranda: | ||
| Average total assets | $16,487,750 | 7,341 |
| Average earning assets | $13,330,750 | 7,352 |
| Average equity | $1,952,750 | 7,287 |
| Average total loans | $2,978,250 | 7,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 6,329 |
| Cost of funding earning assets | 0.5090% | 6,819 |
| Net interest margin | 3.6710% | 4,409 |
| Noninterest income to average assets | 0.6492% | 2,847 |
| Noninterest expense to average assets | 3.6011% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0367% | 6,281 |
| Return on assets (ROA) | -0.0367% | 6,338 |
| Pretax return on assets | -0.0367% | 6,303 |
| Return on Equity (ROE) | -0.3120% | 6,335 |
| Retained earnings to average equity (ytd only) | -0.3120% | 5,912 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0309% | 692 |
| Assets per employee ($millions) | 1.8944% | 7,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 2,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 18.1466% | 7,389 |
| Net loans and leases to deposits | 20.6915% | 7,401 |
| Net loans and leases to core deposits | 21.0720% | 7,399 |
| Total domestic deposits to total assets | 87.7009% | 2,338 |
| Equity capital to assets | 11.6012% | 2,411 |
| Core capital (leverage) ratio | 11.0120% | 2,236 |
| Tier 1 risk-based capital ratio | 35.8356% | 326 |
| Total risk-based capital ratio | 37.0802% | 324 |
| Memoranda: | ||
| Average total assets | $16,328,330 | 7,416 |
| Average earning assets | $12,966,670 | 7,432 |
| Average equity | $1,923,000 | 7,357 |
| Average total loans | $2,945,000 | 7,450 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 6,294 |
| Cost of funding earning assets | 0.5483% | 6,808 |
| Net interest margin | 3.6443% | 4,353 |
| Noninterest income to average assets | 0.6513% | 2,837 |
| Noninterest expense to average assets | 3.6324% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1503% | 6,507 |
| Return on assets (ROA) | -0.1503% | 6,527 |
| Pretax return on assets | -0.1503% | 6,498 |
| Return on Equity (ROE) | -1.2662% | 6,521 |
| Retained earnings to average equity (ytd only) | -1.2662% | 6,041 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3165% | 619 |
| Assets per employee ($millions) | 1.8432% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 16.7280% | 7,461 |
| Net loans and leases to deposits | 18.9575% | 7,475 |
| Net loans and leases to core deposits | 19.3151% | 7,468 |
| Total domestic deposits to total assets | 88.2392% | 2,236 |
| Equity capital to assets | 11.3810% | 2,358 |
| Core capital (leverage) ratio | 11.4860% | 1,854 |
| Tier 1 risk-based capital ratio | 38.8377% | 256 |
| Total risk-based capital ratio | 40.0815% | 251 |
| Memoranda: | ||
| Average total assets | $15,967,500 | 7,483 |
| Average earning assets | $12,403,000 | 7,499 |
| Average equity | $1,895,500 | 7,409 |
| Average total loans | $2,838,000 | 7,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 6,186 |
| Cost of funding earning assets | 0.6639% | 6,975 |
| Net interest margin | 3.9094% | 3,445 |
| Noninterest income to average assets | 0.7698% | 2,423 |
| Noninterest expense to average assets | 3.7293% | 1,631 |
| Loan and lease loss provision to assets | -0.0694% | 7,599 |
| Net operating income to assets | 0.1136% | 5,555 |
| Return on assets (ROA) | 0.1136% | 5,693 |
| Pretax return on assets | 0.1199% | 5,665 |
| Return on Equity (ROE) | 0.9259% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.6687% | 5,235 |
| Net charge-offs to loans | -0.0323% | 7,405 |
| Credit loss provision to net charge-offs | 1,100.0000% | 207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6644% | 844 |
| Assets per employee ($millions) | 1.7051% | 7,512 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 18.0568% | 7,538 |
| Net loans and leases to deposits | 20.7488% | 7,551 |
| Net loans and leases to core deposits | 21.1704% | 7,543 |
| Total domestic deposits to total assets | 87.0259% | 2,804 |
| Equity capital to assets | 12.4006% | 1,697 |
| Core capital (leverage) ratio | 11.8317% | 1,653 |
| Tier 1 risk-based capital ratio | 42.0213% | 215 |
| Total risk-based capital ratio | 43.2701% | 203 |
| Memoranda: | ||
| Average total assets | $15,847,600 | 7,555 |
| Average earning assets | $12,201,400 | 7,577 |
| Average equity | $1,944,000 | 7,509 |
| Average total loans | $3,094,600 | 7,593 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 5,751 |
| Cost of funding earning assets | 0.6982% | 7,063 |
| Net interest margin | 4.0784% | 2,721 |
| Noninterest income to average assets | 0.7095% | 2,771 |
| Noninterest expense to average assets | 3.5893% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1920% | 5,531 |
| Return on assets (ROA) | 0.1920% | 5,688 |
| Pretax return on assets | 0.1920% | 5,746 |
| Return on Equity (ROE) | 1.5694% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.5694% | 5,168 |
| Net charge-offs to loans | -0.0421% | 7,448 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9227% | 949 |
| Assets per employee ($millions) | 1.7271% | 7,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3086% | 1,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 20.6897% | 7,618 |
| Net loans and leases to deposits | 23.9500% | 7,635 |
| Net loans and leases to core deposits | 24.4340% | 7,636 |
| Total domestic deposits to total assets | 86.3870% | 2,860 |
| Equity capital to assets | 12.7445% | 1,722 |
| Core capital (leverage) ratio | 11.9490% | 1,699 |
| Tier 1 risk-based capital ratio | 36.6132% | 314 |
| Total risk-based capital ratio | 37.8758% | 307 |
| Memoranda: | ||
| Average total assets | $15,973,000 | 7,650 |
| Average earning assets | $12,030,500 | 7,681 |
| Average equity | $1,954,250 | 7,605 |
| Average total loans | $3,159,250 | 7,691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 6,226 |
| Cost of funding earning assets | 0.7106% | 7,168 |
| Net interest margin | 3.9661% | 3,179 |
| Noninterest income to average assets | 0.6701% | 2,893 |
| Noninterest expense to average assets | 3.5493% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0993% | 5,871 |
| Return on assets (ROA) | 0.0993% | 5,986 |
| Pretax return on assets | 0.0993% | 5,979 |
| Return on Equity (ROE) | 0.8225% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.8225% | 5,441 |
| Net charge-offs to loans | -0.0642% | 7,481 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2789% | 908 |
| Assets per employee ($millions) | 1.7984% | 7,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3639% | 1,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 19.3933% | 7,698 |
| Net loans and leases to deposits | 22.3878% | 7,716 |
| Net loans and leases to core deposits | 22.8208% | 7,710 |
| Total domestic deposits to total assets | 86.6242% | 2,741 |
| Equity capital to assets | 12.4367% | 1,834 |
| Core capital (leverage) ratio | 11.3641% | 2,005 |
| Tier 1 risk-based capital ratio | 36.9796% | 302 |
| Total risk-based capital ratio | 38.2245% | 292 |
| Memoranda: | ||
| Average total assets | $16,116,000 | 7,708 |
| Average earning assets | $12,102,670 | 7,746 |
| Average equity | $1,945,330 | 7,670 |
| Average total loans | $3,115,000 | 7,762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 6,614 |
| Cost of funding earning assets | 0.7577% | 7,214 |
| Net interest margin | 3.8216% | 3,699 |
| Noninterest income to average assets | 0.6219% | 3,135 |
| Noninterest expense to average assets | 3.5819% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0746% | 6,405 |
| Return on assets (ROA) | -0.0746% | 6,481 |
| Pretax return on assets | -0.0746% | 6,432 |
| Return on Equity (ROE) | -0.6278% | 6,482 |
| Retained earnings to average equity (ytd only) | -0.6278% | 5,977 |
| Net charge-offs to loans | -0.1305% | 7,574 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1277% | 781 |
| Assets per employee ($millions) | 1.8364% | 7,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 1,412 |
| Loan loss allowance to noncurrent loans | 345.4545% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 7,150 |
| Noncurrent loans to loans | 0.6971% | 5,936 |
| Net loans and leases to total assets | 18.6350% | 7,802 |
| Net loans and leases to deposits | 21.2282% | 7,823 |
| Net loans and leases to core deposits | 21.6247% | 7,817 |
| Total domestic deposits to total assets | 87.7844% | 2,190 |
| Equity capital to assets | 11.6348% | 2,276 |
| Core capital (leverage) ratio | 11.2499% | 2,055 |
| Tier 1 risk-based capital ratio | 37.0500% | 308 |
| Total risk-based capital ratio | 38.3049% | 300 |
| Memoranda: | ||
| Average total assets | $16,081,000 | 7,810 |
| Average earning assets | $12,141,500 | 7,846 |
| Average equity | $1,911,500 | 7,762 |
| Average total loans | $3,065,000 | 7,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 7,262 |
| Cost of funding earning assets | 0.8804% | 7,437 |
| Net interest margin | 3.7360% | 3,971 |
| Noninterest income to average assets | 0.8416% | 2,220 |
| Noninterest expense to average assets | 3.7339% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0830% | 5,259 |
| Return on assets (ROA) | 0.0830% | 5,297 |
| Pretax return on assets | 0.1008% | 5,222 |
| Return on Equity (ROE) | 0.7351% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.4725% | 4,640 |
| Net charge-offs to loans | 0.2642% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,308 |
| Efficiency ratio | 97.3725% | 1,251 |
| Assets per employee ($millions) | 1.9543% | 7,755 |
| Cash dividends to net income (ytd only)* | 35.7143% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5219% | 1,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 18.5429% | 7,878 |
| Net loans and leases to deposits | 21.2630% | 7,901 |
| Net loans and leases to core deposits | 23.7137% | 7,901 |
| Total domestic deposits to total assets | 87.2074% | 2,382 |
| Equity capital to assets | 12.1530% | 1,932 |
| Core capital (leverage) ratio | 11.4062% | 1,967 |
| Tier 1 risk-based capital ratio | 39.7883% | 256 |
| Total risk-based capital ratio | 41.0454% | 249 |
| Memoranda: | ||
| Average total assets | $16,872,600 | 7,854 |
| Average earning assets | $13,517,000 | 7,882 |
| Average equity | $1,904,600 | 7,859 |
| Average total loans | $3,407,000 | 7,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 7,326 |
| Cost of funding earning assets | 0.9020% | 7,558 |
| Net interest margin | 3.7713% | 3,771 |
| Noninterest income to average assets | 0.8070% | 2,394 |
| Noninterest expense to average assets | 3.7945% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0388% | 5,632 |
| Return on assets (ROA) | 0.0388% | 5,670 |
| Pretax return on assets | 0.0621% | 5,594 |
| Return on Equity (ROE) | 0.3500% | 5,673 |
| Retained earnings to average equity (ytd only) | 0.3500% | 5,053 |
| Net charge-offs to loans | 0.3414% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.8892% | 5,169 |
| Efficiency ratio | 98.3903% | 1,148 |
| Assets per employee ($millions) | 2.0075% | 7,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 18.0448% | 7,970 |
| Net loans and leases to deposits | 20.7608% | 7,990 |
| Net loans and leases to core deposits | 23.2846% | 7,980 |
| Total domestic deposits to total assets | 86.9178% | 2,220 |
| Equity capital to assets | 11.9365% | 2,273 |
| Core capital (leverage) ratio | 11.3744% | 2,139 |
| Tier 1 risk-based capital ratio | 39.6040% | 289 |
| Total risk-based capital ratio | 40.8581% | 286 |
| Memoranda: | ||
| Average total assets | $17,182,250 | 7,928 |
| Average earning assets | $13,894,000 | 7,954 |
| Average equity | $1,905,750 | 7,937 |
| Average total loans | $3,515,250 | 8,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 7,364 |
| Cost of funding earning assets | 0.9491% | 7,622 |
| Net interest margin | 3.7686% | 3,688 |
| Noninterest income to average assets | 0.7291% | 2,820 |
| Noninterest expense to average assets | 3.6568% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1139% | 5,523 |
| Return on assets (ROA) | 0.1139% | 5,620 |
| Pretax return on assets | 0.1481% | 5,568 |
| Return on Equity (ROE) | 1.0515% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.0515% | 4,739 |
| Net charge-offs to loans | 0.0541% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,771 |
| Efficiency ratio | 96.1078% | 1,367 |
| Assets per employee ($millions) | 2.0831% | 7,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4688% | 930 |
| Loan loss allowance to noncurrent loans | 4,150.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 7,609 |
| Noncurrent loans to loans | 0.0595% | 7,383 |
| Net loans and leases to total assets | 19.6760% | 8,038 |
| Net loans and leases to deposits | 22.3563% | 8,066 |
| Net loans and leases to core deposits | 24.9524% | 8,062 |
| Total domestic deposits to total assets | 88.0108% | 1,771 |
| Equity capital to assets | 11.1971% | 2,756 |
| Core capital (leverage) ratio | 10.6742% | 2,685 |
| Tier 1 risk-based capital ratio | 36.7692% | 376 |
| Total risk-based capital ratio | 38.0322% | 367 |
| Memoranda: | ||
| Average total assets | $17,556,330 | 8,000 |
| Average earning assets | $14,329,000 | 8,029 |
| Average equity | $1,902,000 | 8,024 |
| Average total loans | $3,696,000 | 8,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 6,334 |
| Cost of funding earning assets | 1.0543% | 7,592 |
| Net interest margin | 4.1360% | 2,138 |
| Noninterest income to average assets | 0.7333% | 2,691 |
| Noninterest expense to average assets | 3.5107% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6222% | 3,928 |
| Return on assets (ROA) | 0.6222% | 4,110 |
| Pretax return on assets | 0.6222% | 4,686 |
| Return on Equity (ROE) | 5.8333% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.8333% | 2,699 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9462% | 2,203 |
| Assets per employee ($millions) | 2.3405% | 7,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 941 |
| Loan loss allowance to noncurrent loans | 466.6667% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 7,302 |
| Noncurrent loans to loans | 0.4936% | 6,191 |
| Net loans and leases to total assets | 19.0291% | 8,095 |
| Net loans and leases to deposits | 21.3494% | 8,126 |
| Net loans and leases to core deposits | 24.2595% | 8,120 |
| Total domestic deposits to total assets | 89.1316% | 1,180 |
| Equity capital to assets | 10.2008% | 3,765 |
| Core capital (leverage) ratio | 10.0474% | 3,354 |
| Tier 1 risk-based capital ratio | 36.4090% | 397 |
| Total risk-based capital ratio | 37.6673% | 388 |
| Memoranda: | ||
| Average total assets | $18,002,000 | 8,037 |
| Average earning assets | $14,797,000 | 8,060 |
| Average equity | $1,920,000 | 8,067 |
| Average total loans | $3,863,000 | 8,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 7,090 |
| Cost of funding earning assets | 1.3855% | 7,756 |
| Net interest margin | 4.2073% | 2,287 |
| Noninterest income to average assets | 0.7849% | 2,594 |
| Noninterest expense to average assets | 4.0375% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3896% | 5,193 |
| Return on assets (ROA) | 0.3896% | 5,004 |
| Pretax return on assets | 0.5026% | 4,967 |
| Return on Equity (ROE) | 3.6788% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.3056% | 3,095 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9303% | 1,591 |
| Assets per employee ($millions) | 2.1600% | 7,762 |
| Cash dividends to net income (ytd only)* | 10.1449% | 4,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 1,134 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 6,968 |
| Noncurrent loans to loans | 0.6374% | 5,450 |
| Net loans and leases to total assets | 23.1192% | 8,118 |
| Net loans and leases to deposits | 26.3279% | 8,155 |
| Net loans and leases to core deposits | 30.2652% | 8,151 |
| Total domestic deposits to total assets | 87.8125% | 1,554 |
| Equity capital to assets | 11.1690% | 2,901 |
| Core capital (leverage) ratio | 9.9473% | 3,500 |
| Tier 1 risk-based capital ratio | 34.3678% | 466 |
| Total risk-based capital ratio | 35.6130% | 455 |
| Memoranda: | ||
| Average total assets | $17,708,800 | 8,082 |
| Average earning assets | $15,806,000 | 8,080 |
| Average equity | $1,875,600 | 8,145 |
| Average total loans | $4,478,800 | 8,178 |