Home > The Business Bank > Performance and Condition Ratios
The Business Bank, Performance and Condition Ratios
| 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 | 1.7180% | 6,867 |
| Cost of funding earning assets | 0.2030% | 6,459 |
| Net interest margin | 1.5150% | 6,855 |
| Noninterest income to average assets | 8.9630% | 74 |
| Noninterest expense to average assets | 9.9899% | 80 |
| Loan and lease loss provision to assets | 0.0307% | 4,317 |
| Net operating income to assets | 0.2125% | 5,857 |
| Return on assets (ROA) | 0.2125% | 5,992 |
| Pretax return on assets | 0.3535% | 5,739 |
| Return on Equity (ROE) | 2.2797% | 5,863 |
| Retained earnings to average equity (ytd only) | 2.2797% | 4,829 |
| Net charge-offs to loans | -0.0012% | 5,502 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2967% | 641 |
| Assets per employee ($millions) | 1.0606% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0205% | 6,876 |
| Loan loss allowance to noncurrent loans | 2.9163% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 4,875 |
| Noncurrent loans to loans | 0.7034% | 4,531 |
| Net loans and leases to total assets | 78.7129% | 672 |
| Net loans and leases to deposits | 113.8515% | 98 |
| Net loans and leases to core deposits | 185.5261% | 47 |
| Total domestic deposits to total assets | 69.1364% | 6,683 |
| Equity capital to assets | 11.5539% | 2,248 |
| Core capital (leverage) ratio | 9.5820% | 4,106 |
| Tier 1 risk-based capital ratio | 12.8729% | 5,241 |
| Total risk-based capital ratio | 12.8985% | 5,982 |
| Memoranda: | ||
| Average total assets | $195,737,670 | 3,121 |
| Average earning assets | $182,305,000 | 3,087 |
| Average equity | $18,247,670 | 3,435 |
| Average total loans | $164,973,670 | 2,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 4,574 |
| Cost of funding earning assets | 0.4336% | 4,768 |
| Net interest margin | 3.4388% | 3,967 |
| Noninterest income to average assets | 21.0397% | 36 |
| Noninterest expense to average assets | 20.9487% | 36 |
| Loan and lease loss provision to assets | 0.4756% | 575 |
| Net operating income to assets | 1.7609% | 504 |
| Return on assets (ROA) | 1.7609% | 558 |
| Pretax return on assets | 2.8741% | 177 |
| Return on Equity (ROE) | 21.3733% | 224 |
| Retained earnings to average equity (ytd only) | -1.9654% | 6,072 |
| Net charge-offs to loans | 0.1978% | 2,227 |
| Credit loss provision to net charge-offs | 276.4706% | 857 |
| Earnings coverage of net charge-offs (x) | 19.4706% | 1,221 |
| Efficiency ratio | 86.2141% | 1,485 |
| Assets per employee ($millions) | 0.8959% | 6,960 |
| Cash dividends to net income (ytd only)* | 109.1954% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,318 |
| Loan loss allowance to noncurrent loans | 157.2799% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 4,584 |
| Noncurrent loans to loans | 0.7443% | 4,640 |
| Net loans and leases to total assets | 84.5780% | 171 |
| Net loans and leases to deposits | 121.5748% | 57 |
| Net loans and leases to core deposits | 198.5917% | 46 |
| Total domestic deposits to total assets | 69.5687% | 6,771 |
| Equity capital to assets | 9.0288% | 5,446 |
| Core capital (leverage) ratio | 9.0101% | 4,865 |
| Tier 1 risk-based capital ratio | 13.8066% | 4,647 |
| Total risk-based capital ratio | 15.0602% | 4,608 |
| Memoranda: | ||
| Average total assets | $197,626,000 | 3,121 |
| Average earning assets | $187,273,000 | 3,051 |
| Average equity | $16,282,000 | 3,776 |
| Average total loans | $171,896,000 | 2,305 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 4,891 |
| Cost of funding earning assets | 0.5216% | 5,061 |
| Net interest margin | 3.5942% | 4,108 |
| Noninterest income to average assets | 19.9822% | 40 |
| Noninterest expense to average assets | 20.1945% | 35 |
| Loan and lease loss provision to assets | 0.3686% | 1,779 |
| Net operating income to assets | 1.7163% | 597 |
| Return on assets (ROA) | 1.7166% | 673 |
| Pretax return on assets | 2.8356% | 166 |
| Return on Equity (ROE) | 22.2939% | 206 |
| Retained earnings to average equity (ytd only) | 18.5590% | 75 |
| Net charge-offs to loans | 0.1722% | 4,002 |
| Credit loss provision to net charge-offs | 249.1166% | 986 |
| Earnings coverage of net charge-offs (x) | 21.6502% | 1,293 |
| Efficiency ratio | 86.3081% | 1,398 |
| Assets per employee ($millions) | 0.9916% | 7,023 |
| Cash dividends to net income (ytd only)* | 16.7530% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 6,340 |
| Loan loss allowance to noncurrent loans | 141.0060% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 4,945 |
| Noncurrent loans to loans | 0.6184% | 4,969 |
| Net loans and leases to total assets | 87.3838% | 98 |
| Net loans and leases to deposits | 116.9087% | 91 |
| Net loans and leases to core deposits | 252.4176% | 42 |
| Total domestic deposits to total assets | 74.7453% | 6,470 |
| Equity capital to assets | 7.5777% | 6,606 |
| Core capital (leverage) ratio | 8.1846% | 6,016 |
| Tier 1 risk-based capital ratio | 12.0236% | 5,774 |
| Total risk-based capital ratio | 13.2359% | 5,751 |
| Memoranda: | ||
| Average total assets | $191,250,000 | 3,160 |
| Average earning assets | $181,763,800 | 3,061 |
| Average equity | $14,726,000 | 4,020 |
| Average total loans | $164,319,800 | 2,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 5,103 |
| Cost of funding earning assets | 0.5459% | 5,121 |
| Net interest margin | 3.5766% | 4,333 |
| Noninterest income to average assets | 18.6897% | 44 |
| Noninterest expense to average assets | 19.3288% | 38 |
| Loan and lease loss provision to assets | 0.1367% | 3,835 |
| Net operating income to assets | 1.5828% | 881 |
| Return on assets (ROA) | 1.5833% | 983 |
| Pretax return on assets | 2.6196% | 251 |
| Return on Equity (ROE) | 20.4679% | 307 |
| Retained earnings to average equity (ytd only) | 17.6769% | 130 |
| Net charge-offs to loans | 0.2388% | 3,287 |
| Credit loss provision to net charge-offs | 67.1378% | 3,975 |
| Earnings coverage of net charge-offs (x) | 13.5302% | 1,903 |
| Efficiency ratio | 87.5224% | 1,249 |
| Assets per employee ($millions) | 1.1432% | 7,115 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 6,891 |
| Loan loss allowance to noncurrent loans | 94.3662% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,195 |
| Noncurrent loans to loans | 0.6086% | 5,220 |
| Net loans and leases to total assets | 86.2462% | 139 |
| Net loans and leases to deposits | 107.2184% | 212 |
| Net loans and leases to core deposits | 264.8904% | 42 |
| Total domestic deposits to total assets | 80.4397% | 5,535 |
| Equity capital to assets | 6.7415% | 6,915 |
| Core capital (leverage) ratio | 8.2386% | 6,094 |
| Tier 1 risk-based capital ratio | 10.9482% | 6,504 |
| Total risk-based capital ratio | 11.7502% | 6,649 |
| Memoranda: | ||
| Average total assets | $185,266,500 | 3,268 |
| Average earning assets | $175,843,750 | 3,185 |
| Average equity | $14,331,000 | 4,137 |
| Average total loans | $157,977,250 | 2,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 4,557 |
| Cost of funding earning assets | 0.5992% | 4,910 |
| Net interest margin | 3.7040% | 3,794 |
| Noninterest income to average assets | 18.9675% | 41 |
| Noninterest expense to average assets | 19.8984% | 38 |
| Loan and lease loss provision to assets | 0.1639% | 3,462 |
| Net operating income to assets | 1.4875% | 1,012 |
| Return on assets (ROA) | 1.4882% | 1,135 |
| Pretax return on assets | 2.4097% | 337 |
| Return on Equity (ROE) | 18.1961% | 484 |
| Retained earnings to average equity (ytd only) | 13.9012% | 358 |
| Net charge-offs to loans | 0.0138% | 5,244 |
| Credit loss provision to net charge-offs | 1,400.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 219.7000% | 196 |
| Efficiency ratio | 88.5519% | 1,185 |
| Assets per employee ($millions) | 0.8405% | 7,187 |
| Cash dividends to net income (ytd only)* | 23.6035% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,243 |
| Loan loss allowance to noncurrent loans | 83.0995% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,215 |
| Noncurrent loans to loans | 1.1749% | 4,190 |
| Net loans and leases to total assets | 83.8548% | 222 |
| Net loans and leases to deposits | 117.2120% | 85 |
| Net loans and leases to core deposits | 208.9912% | 51 |
| Total domestic deposits to total assets | 71.5411% | 6,827 |
| Equity capital to assets | 8.7838% | 5,933 |
| Core capital (leverage) ratio | 10.0297% | 3,385 |
| Tier 1 risk-based capital ratio | 12.8517% | 5,298 |
| Total risk-based capital ratio | 14.0511% | 5,311 |
| Memoranda: | ||
| Average total assets | $170,808,000 | 3,489 |
| Average earning assets | $161,555,670 | 3,394 |
| Average equity | $13,970,000 | 4,201 |
| Average total loans | $144,525,000 | 2,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 4,472 |
| Cost of funding earning assets | 0.6317% | 4,876 |
| Net interest margin | 3.7296% | 3,698 |
| Noninterest income to average assets | 19.3139% | 38 |
| Noninterest expense to average assets | 20.4045% | 33 |
| Loan and lease loss provision to assets | 0.1841% | 3,132 |
| Net operating income to assets | 1.4013% | 1,222 |
| Return on assets (ROA) | 1.4013% | 1,369 |
| Pretax return on assets | 2.2572% | 486 |
| Return on Equity (ROE) | 17.7551% | 576 |
| Retained earnings to average equity (ytd only) | 17.7551% | 268 |
| Net charge-offs to loans | -0.0027% | 5,735 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3141% | 1,150 |
| Assets per employee ($millions) | 0.8327% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 6,122 |
| Loan loss allowance to noncurrent loans | 75.6772% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 3,906 |
| Noncurrent loans to loans | 1.3722% | 4,055 |
| Net loans and leases to total assets | 82.5614% | 244 |
| Net loans and leases to deposits | 103.4611% | 268 |
| Net loans and leases to core deposits | 172.0946% | 69 |
| Total domestic deposits to total assets | 79.7994% | 5,897 |
| Equity capital to assets | 9.2788% | 5,123 |
| Core capital (leverage) ratio | 8.9217% | 4,960 |
| Tier 1 risk-based capital ratio | 13.3745% | 4,919 |
| Total risk-based capital ratio | 14.6314% | 4,903 |
| Memoranda: | ||
| Average total assets | $173,844,000 | 3,472 |
| Average earning assets | $164,628,500 | 3,367 |
| Average equity | $13,720,000 | 4,252 |
| Average total loans | $147,037,000 | 2,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 4,706 |
| Cost of funding earning assets | 0.8145% | 4,751 |
| Net interest margin | 3.7769% | 3,940 |
| Noninterest income to average assets | 13.7631% | 45 |
| Noninterest expense to average assets | 15.5287% | 43 |
| Loan and lease loss provision to assets | 0.6376% | 1,604 |
| Net operating income to assets | 0.7253% | 3,356 |
| Return on assets (ROA) | 0.7270% | 3,526 |
| Pretax return on assets | 1.1503% | 2,648 |
| Return on Equity (ROE) | 8.6706% | 2,599 |
| Retained earnings to average equity (ytd only) | -5.0487% | 6,450 |
| Net charge-offs to loans | 0.8346% | 2,077 |
| Credit loss provision to net charge-offs | 92.6457% | 3,890 |
| Earnings coverage of net charge-offs (x) | 2.5941% | 3,921 |
| Efficiency ratio | 89.6887% | 1,217 |
| Assets per employee ($millions) | 1.1018% | 7,296 |
| Cash dividends to net income (ytd only)* | 158.2278% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 6,854 |
| Loan loss allowance to noncurrent loans | 118.5756% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,224 |
| Noncurrent loans to loans | 0.6198% | 5,472 |
| Net loans and leases to total assets | 84.8420% | 172 |
| Net loans and leases to deposits | 116.3377% | 102 |
| Net loans and leases to core deposits | 280.9940% | 45 |
| Total domestic deposits to total assets | 72.9274% | 6,816 |
| Equity capital to assets | 6.8205% | 7,001 |
| Core capital (leverage) ratio | 7.7186% | 6,522 |
| Tier 1 risk-based capital ratio | 10.5372% | 6,669 |
| Total risk-based capital ratio | 11.7911% | 6,648 |
| Memoranda: | ||
| Average total assets | $152,131,400 | 3,760 |
| Average earning assets | $143,029,200 | 3,693 |
| Average equity | $12,755,800 | 4,380 |
| Average total loans | $125,449,800 | 3,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 4,940 |
| Cost of funding earning assets | 0.8673% | 4,655 |
| Net interest margin | 3.7139% | 4,271 |
| Noninterest income to average assets | 13.2015% | 48 |
| Noninterest expense to average assets | 15.2685% | 43 |
| Loan and lease loss provision to assets | 0.4298% | 2,323 |
| Net operating income to assets | 0.6093% | 4,045 |
| Return on assets (ROA) | 0.6093% | 4,231 |
| Pretax return on assets | 0.9863% | 3,454 |
| Return on Equity (ROE) | 6.8250% | 3,597 |
| Retained earnings to average equity (ytd only) | -11.6924% | 6,909 |
| Net charge-offs to loans | 0.6823% | 2,207 |
| Credit loss provision to net charge-offs | 77.3810% | 4,233 |
| Earnings coverage of net charge-offs (x) | 2.5493% | 3,850 |
| Efficiency ratio | 91.5124% | 1,069 |
| Assets per employee ($millions) | 0.9152% | 7,379 |
| Cash dividends to net income (ytd only)* | 271.3179% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,667 |
| Loan loss allowance to noncurrent loans | 249.1525% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 5,854 |
| Noncurrent loans to loans | 0.3522% | 6,145 |
| Net loans and leases to total assets | 82.9477% | 293 |
| Net loans and leases to deposits | 112.3464% | 153 |
| Net loans and leases to core deposits | 247.5293% | 50 |
| Total domestic deposits to total assets | 73.8321% | 6,781 |
| Equity capital to assets | 7.4291% | 6,946 |
| Core capital (leverage) ratio | 9.0070% | 4,911 |
| Tier 1 risk-based capital ratio | 10.6997% | 6,709 |
| Total risk-based capital ratio | 11.9540% | 6,686 |
| Memoranda: | ||
| Average total assets | $141,132,250 | 3,972 |
| Average earning assets | $132,365,500 | 3,906 |
| Average equity | $12,600,500 | 4,428 |
| Average total loans | $114,904,500 | 3,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 4,726 |
| Cost of funding earning assets | 0.9341% | 4,430 |
| Net interest margin | 3.7222% | 4,168 |
| Noninterest income to average assets | 12.9207% | 53 |
| Noninterest expense to average assets | 15.1330% | 47 |
| Loan and lease loss provision to assets | 0.6158% | 1,554 |
| Net operating income to assets | 0.4080% | 4,905 |
| Return on assets (ROA) | 0.4080% | 5,063 |
| Pretax return on assets | 0.6543% | 4,559 |
| Return on Equity (ROE) | 4.2853% | 4,800 |
| Retained earnings to average equity (ytd only) | 1.1687% | 5,395 |
| Net charge-offs to loans | 1.0098% | 1,558 |
| Credit loss provision to net charge-offs | 75.7299% | 3,892 |
| Earnings coverage of net charge-offs (x) | 1.5620% | 4,119 |
| Efficiency ratio | 92.2569% | 1,080 |
| Assets per employee ($millions) | 0.7336% | 7,462 |
| Cash dividends to net income (ytd only)* | 72.7273% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,686 |
| Loan loss allowance to noncurrent loans | 177.2590% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 5,186 |
| Noncurrent loans to loans | 0.6573% | 5,601 |
| Net loans and leases to total assets | 78.6672% | 686 |
| Net loans and leases to deposits | 99.1036% | 538 |
| Net loans and leases to core deposits | 186.7401% | 81 |
| Total domestic deposits to total assets | 79.3788% | 5,987 |
| Equity capital to assets | 10.2523% | 3,813 |
| Core capital (leverage) ratio | 11.0034% | 2,249 |
| Tier 1 risk-based capital ratio | 13.7565% | 4,332 |
| Total risk-based capital ratio | 15.0136% | 4,304 |
| Memoranda: | ||
| Average total assets | $134,791,670 | 4,128 |
| Average earning assets | $126,109,670 | 4,068 |
| Average equity | $12,834,670 | 4,379 |
| Average total loans | $108,532,670 | 3,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 5,281 |
| Cost of funding earning assets | 0.9247% | 4,745 |
| Net interest margin | 3.5912% | 4,610 |
| Noninterest income to average assets | 12.7612% | 54 |
| Noninterest expense to average assets | 15.4022% | 48 |
| Loan and lease loss provision to assets | 0.2537% | 3,121 |
| Net operating income to assets | 0.2970% | 5,426 |
| Return on assets (ROA) | 0.2970% | 5,491 |
| Pretax return on assets | 0.4757% | 5,098 |
| Return on Equity (ROE) | 3.2323% | 5,269 |
| Retained earnings to average equity (ytd only) | -3.0440% | 6,305 |
| Net charge-offs to loans | 1.2182% | 1,142 |
| Credit loss provision to net charge-offs | 25.7310% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.7398% | 4,081 |
| Efficiency ratio | 95.4781% | 952 |
| Assets per employee ($millions) | 0.6692% | 7,523 |
| Cash dividends to net income (ytd only)* | 194.1748% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,803 |
| Loan loss allowance to noncurrent loans | 72.9095% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4555% | 4,081 |
| Noncurrent loans to loans | 1.5902% | 4,098 |
| Net loans and leases to total assets | 74.2506% | 1,312 |
| Net loans and leases to deposits | 85.6154% | 1,789 |
| Net loans and leases to core deposits | 176.8747% | 97 |
| Total domestic deposits to total assets | 86.7257% | 3,107 |
| Equity capital to assets | 10.4484% | 3,242 |
| Core capital (leverage) ratio | 10.1415% | 2,985 |
| Tier 1 risk-based capital ratio | 14.6126% | 3,668 |
| Total risk-based capital ratio | 15.8697% | 3,621 |
| Memoranda: | ||
| Average total assets | $138,733,500 | 4,083 |
| Average earning assets | $130,205,500 | 4,024 |
| Average equity | $12,746,500 | 4,398 |
| Average total loans | $112,293,000 | 3,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 4,360 |
| Cost of funding earning assets | 0.9551% | 5,912 |
| Net interest margin | 4.0866% | 2,632 |
| Noninterest income to average assets | 19.6371% | 41 |
| Noninterest expense to average assets | 21.4786% | 40 |
| Loan and lease loss provision to assets | 0.8571% | 1,905 |
| Net operating income to assets | 0.7175% | 3,159 |
| Return on assets (ROA) | 0.7494% | 3,124 |
| Pretax return on assets | 1.2126% | 2,181 |
| Return on Equity (ROE) | 9.6471% | 2,058 |
| Retained earnings to average equity (ytd only) | 1.6065% | 4,718 |
| Net charge-offs to loans | 0.8060% | 2,618 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.9458% | 3,599 |
| Efficiency ratio | 91.4040% | 1,222 |
| Assets per employee ($millions) | 0.8590% | 7,597 |
| Cash dividends to net income (ytd only)* | 83.3474% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 6,459 |
| Loan loss allowance to noncurrent loans | 61.4843% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6176% | 3,890 |
| Noncurrent loans to loans | 1.5937% | 4,108 |
| Net loans and leases to total assets | 84.6135% | 259 |
| Net loans and leases to deposits | 106.0938% | 321 |
| Net loans and leases to core deposits | 274.1105% | 53 |
| Total domestic deposits to total assets | 79.7535% | 5,898 |
| Equity capital to assets | 8.2111% | 6,249 |
| Core capital (leverage) ratio | 7.1415% | 6,948 |
| Tier 1 risk-based capital ratio | 11.6644% | 5,755 |
| Total risk-based capital ratio | 12.9197% | 5,758 |
| Memoranda: | ||
| Average total assets | $158,669,200 | 3,726 |
| Average earning assets | $149,930,400 | 3,633 |
| Average equity | $12,325,000 | 4,518 |
| Average total loans | $134,984,400 | 3,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 5,633 |
| Cost of funding earning assets | 0.9436% | 6,209 |
| Net interest margin | 3.8614% | 3,700 |
| Noninterest income to average assets | 17.0551% | 41 |
| Noninterest expense to average assets | 19.0804% | 42 |
| Loan and lease loss provision to assets | 1.0172% | 1,450 |
| Net operating income to assets | 0.3992% | 4,753 |
| Return on assets (ROA) | 0.4412% | 4,765 |
| Pretax return on assets | 0.6698% | 4,350 |
| Return on Equity (ROE) | 5.7608% | 3,925 |
| Retained earnings to average equity (ytd only) | -5.0721% | 6,561 |
| Net charge-offs to loans | 1.0739% | 1,887 |
| Credit loss provision to net charge-offs | 111.4679% | 3,798 |
| Earnings coverage of net charge-offs (x) | 1.7789% | 4,385 |
| Efficiency ratio | 92.1590% | 1,118 |
| Assets per employee ($millions) | 1.0119% | 7,695 |
| Cash dividends to net income (ytd only)* | 188.0453% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 7,130 |
| Loan loss allowance to noncurrent loans | 62.4395% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2414% | 4,670 |
| Noncurrent loans to loans | 1.1852% | 4,873 |
| Net loans and leases to total assets | 85.5749% | 236 |
| Net loans and leases to deposits | 104.7523% | 404 |
| Net loans and leases to core deposits | 308.7946% | 46 |
| Total domestic deposits to total assets | 81.6926% | 5,126 |
| Equity capital to assets | 6.7472% | 7,392 |
| Core capital (leverage) ratio | 7.5691% | 6,796 |
| Tier 1 risk-based capital ratio | 10.0098% | 7,066 |
| Total risk-based capital ratio | 11.1288% | 7,115 |
| Memoranda: | ||
| Average total assets | $159,252,000 | 3,771 |
| Average earning assets | $150,478,750 | 3,672 |
| Average equity | $12,197,000 | 4,623 |
| Average total loans | $135,332,500 | 3,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 5,912 |
| Cost of funding earning assets | 0.9775% | 6,249 |
| Net interest margin | 3.7870% | 3,948 |
| Noninterest income to average assets | 14.6981% | 47 |
| Noninterest expense to average assets | 17.1397% | 45 |
| Loan and lease loss provision to assets | 0.3759% | 3,459 |
| Net operating income to assets | 0.4661% | 4,482 |
| Return on assets (ROA) | 0.5303% | 4,350 |
| Pretax return on assets | 0.8547% | 3,684 |
| Return on Equity (ROE) | 6.6084% | 3,491 |
| Retained earnings to average equity (ytd only) | -9.6825% | 6,902 |
| Net charge-offs to loans | 0.3435% | 3,627 |
| Credit loss provision to net charge-offs | 129.5455% | 3,107 |
| Earnings coverage of net charge-offs (x) | 3.8955% | 3,133 |
| Efficiency ratio | 93.8127% | 1,076 |
| Assets per employee ($millions) | 0.8607% | 7,774 |
| Cash dividends to net income (ytd only)* | 246.5174% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 7,023 |
| Loan loss allowance to noncurrent loans | 58.9620% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4174% | 4,348 |
| Noncurrent loans to loans | 1.3636% | 4,665 |
| Net loans and leases to total assets | 84.9300% | 291 |
| Net loans and leases to deposits | 105.5786% | 413 |
| Net loans and leases to core deposits | 299.2034% | 51 |
| Total domestic deposits to total assets | 80.4424% | 5,577 |
| Equity capital to assets | 7.5772% | 7,076 |
| Core capital (leverage) ratio | 8.3743% | 5,621 |
| Tier 1 risk-based capital ratio | 10.5184% | 6,670 |
| Total risk-based capital ratio | 11.4618% | 6,877 |
| Memoranda: | ||
| Average total assets | $151,624,670 | 3,927 |
| Average earning assets | $143,016,000 | 3,839 |
| Average equity | $12,166,330 | 4,636 |
| Average total loans | $128,102,330 | 3,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 6,785 |
| Cost of funding earning assets | 0.9976% | 6,391 |
| Net interest margin | 3.5044% | 5,134 |
| Noninterest income to average assets | 13.6586% | 53 |
| Noninterest expense to average assets | 15.9708% | 47 |
| Loan and lease loss provision to assets | 0.3935% | 3,009 |
| Net operating income to assets | 0.3799% | 4,928 |
| Return on assets (ROA) | 0.3799% | 5,059 |
| Pretax return on assets | 0.6025% | 4,593 |
| Return on Equity (ROE) | 4.5960% | 4,596 |
| Retained earnings to average equity (ytd only) | -27.9371% | 7,509 |
| Net charge-offs to loans | 0.7118% | 2,076 |
| Credit loss provision to net charge-offs | 65.9091% | 4,184 |
| Earnings coverage of net charge-offs (x) | 1.6682% | 3,734 |
| Efficiency ratio | 94.1299% | 1,130 |
| Assets per employee ($millions) | 0.7899% | 7,882 |
| Cash dividends to net income (ytd only)* | 707.8571% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 7,139 |
| Loan loss allowance to noncurrent loans | 63.5403% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 4,525 |
| Noncurrent loans to loans | 1.2522% | 4,887 |
| Net loans and leases to total assets | 83.4279% | 439 |
| Net loans and leases to deposits | 99.8294% | 766 |
| Net loans and leases to core deposits | 256.7780% | 69 |
| Total domestic deposits to total assets | 83.5705% | 4,353 |
| Equity capital to assets | 8.1862% | 6,450 |
| Core capital (leverage) ratio | 9.2109% | 4,205 |
| Tier 1 risk-based capital ratio | 11.2923% | 5,865 |
| Total risk-based capital ratio | 12.2007% | 6,180 |
| Memoranda: | ||
| Average total assets | $147,394,000 | 4,053 |
| Average earning assets | $139,140,500 | 3,984 |
| Average equity | $12,184,500 | 4,668 |
| Average total loans | $123,622,000 | 3,389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 5,169 |
| Cost of funding earning assets | 1.4164% | 5,858 |
| Net interest margin | 3.8843% | 3,331 |
| Noninterest income to average assets | 18.7575% | 42 |
| Noninterest expense to average assets | 20.2088% | 45 |
| Loan and lease loss provision to assets | 0.9911% | 2,290 |
| Net operating income to assets | 0.7670% | 2,650 |
| Return on assets (ROA) | 0.7844% | 2,678 |
| Pretax return on assets | 1.2459% | 1,837 |
| Return on Equity (ROE) | 10.1023% | 1,662 |
| Retained earnings to average equity (ytd only) | 10.1023% | 365 |
| Net charge-offs to loans | 1.3543% | 1,843 |
| Credit loss provision to net charge-offs | 85.7705% | 6,135 |
| Earnings coverage of net charge-offs (x) | 1.9123% | 4,287 |
| Efficiency ratio | 90.1435% | 1,698 |
| Assets per employee ($millions) | 0.8208% | 7,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 7,070 |
| Loan loss allowance to noncurrent loans | 47.2653% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,790 |
| Noncurrent loans to loans | 1.7366% | 4,030 |
| Net loans and leases to total assets | 82.9707% | 549 |
| Net loans and leases to deposits | 93.7574% | 1,627 |
| Net loans and leases to core deposits | 134.8486% | 1,011 |
| Total domestic deposits to total assets | 88.4951% | 1,732 |
| Equity capital to assets | 8.3432% | 6,136 |
| Core capital (leverage) ratio | 9.3122% | 3,956 |
| Tier 1 risk-based capital ratio | 11.8772% | 5,054 |
| Total risk-based capital ratio | 12.8390% | 5,265 |
| Memoranda: | ||
| Average total assets | $153,868,800 | 3,899 |
| Average earning assets | $145,019,400 | 3,793 |
| Average equity | $11,947,800 | 4,759 |
| Average total loans | $131,285,400 | 3,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 4,440 |
| Cost of funding earning assets | 1.5030% | 5,809 |
| Net interest margin | 3.9920% | 2,856 |
| Noninterest income to average assets | 18.9661% | 43 |
| Noninterest expense to average assets | 20.2099% | 52 |
| Loan and lease loss provision to assets | 0.8927% | 2,156 |
| Net operating income to assets | 0.9989% | 2,060 |
| Return on assets (ROA) | 1.0221% | 2,053 |
| Pretax return on assets | 1.6569% | 1,052 |
| Return on Equity (ROE) | 13.4068% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.4068% | 232 |
| Net charge-offs to loans | 0.9538% | 2,071 |
| Credit loss provision to net charge-offs | 109.1772% | 4,661 |
| Earnings coverage of net charge-offs (x) | 3.0738% | 3,693 |
| Efficiency ratio | 88.9391% | 1,782 |
| Assets per employee ($millions) | 0.7312% | 8,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,977 |
| Loan loss allowance to noncurrent loans | 40.1926% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 2.7673% | 2,508 |
| Noncurrent loans to loans | 3.0480% | 2,485 |
| Net loans and leases to total assets | 82.9708% | 669 |
| Net loans and leases to deposits | 118.2528% | 236 |
| Net loans and leases to core deposits | 153.6282% | 501 |
| Total domestic deposits to total assets | 70.1639% | 7,403 |
| Equity capital to assets | 9.5433% | 4,688 |
| Core capital (leverage) ratio | 9.2232% | 4,302 |
| Tier 1 risk-based capital ratio | 11.6077% | 5,329 |
| Total risk-based capital ratio | 12.8576% | 5,271 |
| Memoranda: | ||
| Average total assets | $154,580,500 | 3,902 |
| Average earning assets | $145,486,000 | 3,809 |
| Average equity | $11,784,750 | 4,847 |
| Average total loans | $132,521,500 | 3,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5666% | 4,238 |
| Cost of funding earning assets | 1.5529% | 5,909 |
| Net interest margin | 4.0137% | 2,643 |
| Noninterest income to average assets | 19.2058% | 45 |
| Noninterest expense to average assets | 20.2943% | 58 |
| Loan and lease loss provision to assets | 0.6935% | 2,350 |
| Net operating income to assets | 1.2348% | 1,393 |
| Return on assets (ROA) | 1.2681% | 1,387 |
| Pretax return on assets | 2.0532% | 487 |
| Return on Equity (ROE) | 17.8766% | 504 |
| Retained earnings to average equity (ytd only) | 17.8766% | 108 |
| Net charge-offs to loans | 0.5530% | 2,669 |
| Credit loss provision to net charge-offs | 145.4545% | 3,181 |
| Earnings coverage of net charge-offs (x) | 5.6519% | 2,791 |
| Efficiency ratio | 88.2784% | 1,981 |
| Assets per employee ($millions) | 1.0197% | 8,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,773 |
| Loan loss allowance to noncurrent loans | 33.7635% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 2.3772% | 2,726 |
| Noncurrent loans to loans | 2.6617% | 2,712 |
| Net loans and leases to total assets | 88.5069% | 215 |
| Net loans and leases to deposits | 115.3485% | 350 |
| Net loans and leases to core deposits | 149.8947% | 658 |
| Total domestic deposits to total assets | 76.7300% | 6,392 |
| Equity capital to assets | 6.8395% | 7,691 |
| Core capital (leverage) ratio | 7.0901% | 7,465 |
| Tier 1 risk-based capital ratio | 9.6803% | 7,247 |
| Total risk-based capital ratio | 10.8099% | 7,296 |
| Memoranda: | ||
| Average total assets | $161,503,670 | 3,792 |
| Average earning assets | $152,228,330 | 3,703 |
| Average equity | $11,456,330 | 4,961 |
| Average total loans | $139,228,330 | 3,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 3,879 |
| Cost of funding earning assets | 1.6804% | 5,691 |
| Net interest margin | 4.0048% | 2,621 |
| Noninterest income to average assets | 17.2910% | 46 |
| Noninterest expense to average assets | 18.1890% | 59 |
| Loan and lease loss provision to assets | 0.7947% | 1,623 |
| Net operating income to assets | 1.2799% | 1,437 |
| Return on assets (ROA) | 1.3511% | 1,348 |
| Pretax return on assets | 2.1749% | 459 |
| Return on Equity (ROE) | 18.6429% | 536 |
| Retained earnings to average equity (ytd only) | 18.6429% | 209 |
| Net charge-offs to loans | 1.2094% | 1,156 |
| Credit loss provision to net charge-offs | 77.9221% | 4,222 |
| Earnings coverage of net charge-offs (x) | 2.8026% | 3,376 |
| Efficiency ratio | 86.4191% | 2,027 |
| Assets per employee ($millions) | 1.0227% | 8,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,820 |
| Loan loss allowance to noncurrent loans | 34.7463% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 2.2020% | 2,596 |
| Noncurrent loans to loans | 2.5422% | 2,592 |
| Net loans and leases to total assets | 85.8510% | 468 |
| Net loans and leases to deposits | 102.5810% | 1,125 |
| Net loans and leases to core deposits | 143.6978% | 945 |
| Total domestic deposits to total assets | 83.6909% | 3,848 |
| Equity capital to assets | 7.0809% | 7,638 |
| Core capital (leverage) ratio | 6.9047% | 7,691 |
| Tier 1 risk-based capital ratio | 9.7333% | 7,217 |
| Total risk-based capital ratio | 10.7771% | 7,349 |
| Memoranda: | ||
| Average total assets | $150,992,000 | 3,994 |
| Average earning assets | $141,631,500 | 3,922 |
| Average equity | $10,942,500 | 5,125 |
| Average total loans | $127,335,500 | 3,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8214% | 6,367 |
| Cost of funding earning assets | 2.3826% | 4,798 |
| Net interest margin | 3.4388% | 5,511 |
| Noninterest income to average assets | 10.0550% | 76 |
| Noninterest expense to average assets | 12.4546% | 100 |
| Loan and lease loss provision to assets | 0.4344% | 3,121 |
| Net operating income to assets | 0.2624% | 5,672 |
| Return on assets (ROA) | 0.2683% | 5,472 |
| Pretax return on assets | 0.3145% | 5,478 |
| Return on Equity (ROE) | 3.3428% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.3428% | 3,066 |
| Net charge-offs to loans | 0.0919% | 5,417 |
| Credit loss provision to net charge-offs | 582.4742% | 750 |
| Earnings coverage of net charge-offs (x) | 9.9485% | 2,604 |
| Efficiency ratio | 94.3778% | 1,254 |
| Assets per employee ($millions) | 0.9897% | 8,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,345 |
| Loan loss allowance to noncurrent loans | 48.7344% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.8320% | 2,695 |
| Noncurrent loans to loans | 2.2384% | 2,458 |
| Net loans and leases to total assets | 80.9508% | 1,450 |
| Net loans and leases to deposits | 113.7084% | 624 |
| Net loans and leases to core deposits | 150.6330% | 831 |
| Total domestic deposits to total assets | 71.1916% | 7,135 |
| Equity capital to assets | 7.4282% | 7,448 |
| Core capital (leverage) ratio | 9.0492% | 4,674 |
| Tier 1 risk-based capital ratio | 9.9395% | 6,807 |
| Total risk-based capital ratio | 11.1353% | 6,747 |
| Memoranda: | ||
| Average total assets | $130,064,000 | 4,285 |
| Average earning assets | $118,820,800 | 4,293 |
| Average equity | $10,440,400 | 5,285 |
| Average total loans | $105,500,400 | 3,810 |