Home > The Citizens Bank of Ashville, Ohio > Performance and Condition Ratios
The Citizens Bank of Ashville, Ohio, 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 | 4.2906% | 2,672 |
| Cost of funding earning assets | 0.5967% | 1,870 |
| Net interest margin | 3.6939% | 3,044 |
| Noninterest income to average assets | 0.6960% | 2,351 |
| Noninterest expense to average assets | 3.4136% | 1,628 |
| Loan and lease loss provision to assets | 0.0481% | 3,413 |
| Net operating income to assets | 0.2828% | 5,644 |
| Return on assets (ROA) | 0.2329% | 5,831 |
| Pretax return on assets | 0.4579% | 5,442 |
| Return on Equity (ROE) | 2.7449% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.7449% | 4,639 |
| Net charge-offs to loans | 0.0204% | 4,120 |
| Credit loss provision to net charge-offs | 411.1111% | 680 |
| Earnings coverage of net charge-offs (x) | 49.8875% | 978 |
| Efficiency ratio | 85.3889% | 1,245 |
| Assets per employee ($millions) | 3.3624% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 2,717 |
| Loan loss allowance to noncurrent loans | 449.5000% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,449 |
| Noncurrent loans to loans | 0.3333% | 4,903 |
| Net loans and leases to total assets | 56.6993% | 4,239 |
| Net loans and leases to deposits | 67.5081% | 4,186 |
| Net loans and leases to core deposits | 69.1196% | 4,402 |
| Total domestic deposits to total assets | 83.9889% | 3,771 |
| Equity capital to assets | 8.4445% | 5,839 |
| Core capital (leverage) ratio | 8.1707% | 5,957 |
| Tier 1 risk-based capital ratio | 14.0255% | 4,197 |
| Total risk-based capital ratio | 15.2775% | 4,132 |
| Memoranda: | ||
| Average total assets | $102,488,250 | 4,585 |
| Average earning assets | $91,608,000 | 4,653 |
| Average equity | $8,694,750 | 5,088 |
| Average total loans | $58,725,500 | 4,564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,684 |
| Cost of funding earning assets | 0.6073% | 1,840 |
| Net interest margin | 3.6682% | 3,073 |
| Noninterest income to average assets | 0.7772% | 1,930 |
| Noninterest expense to average assets | 3.3619% | 1,778 |
| Loan and lease loss provision to assets | 0.0726% | 2,819 |
| Net operating income to assets | 0.3481% | 5,411 |
| Return on assets (ROA) | 0.3493% | 5,476 |
| Pretax return on assets | 0.6163% | 4,905 |
| Return on Equity (ROE) | 4.1113% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.1113% | 3,557 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0344% | 1,623 |
| Assets per employee ($millions) | 3.3081% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 2,882 |
| Loan loss allowance to noncurrent loans | 430.3318% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 5,505 |
| Noncurrent loans to loans | 0.3493% | 4,958 |
| Net loans and leases to total assets | 58.0176% | 3,991 |
| Net loans and leases to deposits | 69.3568% | 3,901 |
| Net loans and leases to core deposits | 70.7439% | 4,186 |
| Total domestic deposits to total assets | 83.6509% | 4,051 |
| Equity capital to assets | 8.5812% | 5,730 |
| Core capital (leverage) ratio | 8.0408% | 6,068 |
| Tier 1 risk-based capital ratio | 14.3850% | 4,000 |
| Total risk-based capital ratio | 15.6384% | 3,936 |
| Memoranda: | ||
| Average total assets | $101,906,330 | 4,638 |
| Average earning assets | $90,889,000 | 4,706 |
| Average equity | $8,659,000 | 5,120 |
| Average total loans | $58,301,000 | 4,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,833 |
| Cost of funding earning assets | 0.6264% | 1,760 |
| Net interest margin | 3.5852% | 3,313 |
| Noninterest income to average assets | 0.8938% | 1,411 |
| Noninterest expense to average assets | 3.4100% | 1,677 |
| Loan and lease loss provision to assets | 0.0945% | 2,343 |
| Net operating income to assets | 0.4419% | 4,967 |
| Return on assets (ROA) | 0.4449% | 5,018 |
| Pretax return on assets | 0.5710% | 4,932 |
| Return on Equity (ROE) | 5.2629% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2629% | 2,951 |
| Net charge-offs to loans | -0.0140% | 5,179 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7524% | 1,702 |
| Assets per employee ($millions) | 3.3754% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,027 |
| Loan loss allowance to noncurrent loans | 251.9663% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 4,822 |
| Noncurrent loans to loans | 0.6063% | 4,344 |
| Net loans and leases to total assets | 55.2581% | 4,243 |
| Net loans and leases to deposits | 66.4793% | 4,030 |
| Net loans and leases to core deposits | 67.7902% | 4,336 |
| Total domestic deposits to total assets | 83.1209% | 4,566 |
| Equity capital to assets | 8.2934% | 5,831 |
| Core capital (leverage) ratio | 8.2018% | 5,948 |
| Tier 1 risk-based capital ratio | 13.7104% | 4,531 |
| Total risk-based capital ratio | 14.9642% | 4,489 |
| Memoranda: | ||
| Average total assets | $101,584,500 | 4,694 |
| Average earning assets | $90,037,500 | 4,777 |
| Average equity | $8,588,500 | 5,156 |
| Average total loans | $57,249,000 | 4,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,897 |
| Cost of funding earning assets | 0.6823% | 1,942 |
| Net interest margin | 3.6335% | 3,318 |
| Noninterest income to average assets | 0.5894% | 3,154 |
| Noninterest expense to average assets | 3.5363% | 1,576 |
| Loan and lease loss provision to assets | 0.0497% | 4,139 |
| Net operating income to assets | 0.8597% | 2,979 |
| Return on assets (ROA) | 0.8557% | 3,079 |
| Pretax return on assets | 0.2336% | 5,879 |
| Return on Equity (ROE) | 10.7242% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.7242% | 460 |
| Net charge-offs to loans | 0.2144% | 2,744 |
| Credit loss provision to net charge-offs | 41.3223% | 4,016 |
| Earnings coverage of net charge-offs (x) | 2.3884% | 4,212 |
| Efficiency ratio | 92.4877% | 845 |
| Assets per employee ($millions) | 3.1784% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 2,915 |
| Loan loss allowance to noncurrent loans | 408.9202% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 5,123 |
| Noncurrent loans to loans | 0.3819% | 5,049 |
| Net loans and leases to total assets | 55.7276% | 4,354 |
| Net loans and leases to deposits | 67.8727% | 4,073 |
| Net loans and leases to core deposits | 69.3129% | 4,365 |
| Total domestic deposits to total assets | 82.1061% | 4,836 |
| Equity capital to assets | 8.6257% | 5,454 |
| Core capital (leverage) ratio | 8.0681% | 6,083 |
| Tier 1 risk-based capital ratio | 14.2976% | 4,083 |
| Total risk-based capital ratio | 15.5515% | 4,025 |
| Memoranda: | ||
| Average total assets | $100,615,000 | 4,724 |
| Average earning assets | $89,555,400 | 4,791 |
| Average equity | $8,028,600 | 5,330 |
| Average total loans | $56,432,600 | 4,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 3,095 |
| Cost of funding earning assets | 0.6847% | 2,060 |
| Net interest margin | 3.5893% | 3,493 |
| Noninterest income to average assets | 0.6012% | 3,139 |
| Noninterest expense to average assets | 3.4711% | 1,671 |
| Loan and lease loss provision to assets | 0.0659% | 3,740 |
| Net operating income to assets | 0.2637% | 5,741 |
| Return on assets (ROA) | 0.2571% | 5,862 |
| Pretax return on assets | 0.2571% | 5,960 |
| Return on Equity (ROE) | 3.2864% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.2864% | 4,337 |
| Net charge-offs to loans | 0.1272% | 3,255 |
| Credit loss provision to net charge-offs | 92.5926% | 2,565 |
| Earnings coverage of net charge-offs (x) | 4.6296% | 3,392 |
| Efficiency ratio | 91.3285% | 894 |
| Assets per employee ($millions) | 3.2372% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,789 |
| Loan loss allowance to noncurrent loans | 107.9402% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 3,599 |
| Noncurrent loans to loans | 1.5317% | 2,867 |
| Net loans and leases to total assets | 55.6002% | 4,377 |
| Net loans and leases to deposits | 66.5899% | 4,228 |
| Net loans and leases to core deposits | 67.9523% | 4,532 |
| Total domestic deposits to total assets | 83.4964% | 4,382 |
| Equity capital to assets | 7.5961% | 6,358 |
| Core capital (leverage) ratio | 7.9470% | 6,259 |
| Tier 1 risk-based capital ratio | 13.5552% | 4,723 |
| Total risk-based capital ratio | 14.8075% | 4,678 |
| Memoranda: | ||
| Average total assets | $101,136,000 | 4,758 |
| Average earning assets | $90,154,000 | 4,805 |
| Average equity | $7,911,000 | 5,418 |
| Average total loans | $56,595,750 | 4,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 3,303 |
| Cost of funding earning assets | 0.6919% | 2,124 |
| Net interest margin | 3.5235% | 3,686 |
| Noninterest income to average assets | 0.6016% | 3,180 |
| Noninterest expense to average assets | 3.4912% | 1,625 |
| Loan and lease loss provision to assets | 0.0789% | 3,479 |
| Net operating income to assets | 0.1755% | 5,966 |
| Return on assets (ROA) | 0.1657% | 6,104 |
| Pretax return on assets | 0.1657% | 6,135 |
| Return on Equity (ROE) | 2.0982% | 5,922 |
| Retained earnings to average equity (ytd only) | 2.0982% | 4,935 |
| Net charge-offs to loans | 0.1415% | 2,965 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 3.2250% | 3,450 |
| Efficiency ratio | 93.2070% | 802 |
| Assets per employee ($millions) | 3.4691% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,003 |
| Loan loss allowance to noncurrent loans | 85.8706% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2465% | 3,259 |
| Noncurrent loans to loans | 1.9134% | 2,490 |
| Net loans and leases to total assets | 56.0524% | 4,280 |
| Net loans and leases to deposits | 67.0563% | 4,138 |
| Net loans and leases to core deposits | 68.4232% | 4,454 |
| Total domestic deposits to total assets | 83.5901% | 4,480 |
| Equity capital to assets | 7.5424% | 6,425 |
| Core capital (leverage) ratio | 7.8186% | 6,293 |
| Tier 1 risk-based capital ratio | 13.2941% | 4,924 |
| Total risk-based capital ratio | 14.5476% | 4,862 |
| Memoranda: | ||
| Average total assets | $101,396,670 | 4,779 |
| Average earning assets | $90,477,670 | 4,831 |
| Average equity | $8,007,000 | 5,428 |
| Average total loans | $56,549,330 | 4,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 3,303 |
| Cost of funding earning assets | 0.7081% | 2,140 |
| Net interest margin | 3.4921% | 3,729 |
| Noninterest income to average assets | 0.5305% | 3,567 |
| Noninterest expense to average assets | 3.6034% | 1,416 |
| Loan and lease loss provision to assets | 0.0982% | 3,046 |
| Net operating income to assets | -0.0511% | 6,403 |
| Return on assets (ROA) | -0.0707% | 6,470 |
| Pretax return on assets | -0.0707% | 6,458 |
| Return on Equity (ROE) | -0.8763% | 6,491 |
| Retained earnings to average equity (ytd only) | -0.8763% | 5,931 |
| Net charge-offs to loans | 0.1709% | 2,377 |
| Credit loss provision to net charge-offs | 104.1667% | 1,769 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,654 |
| Efficiency ratio | 98.7083% | 598 |
| Assets per employee ($millions) | 3.6187% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 3,058 |
| Loan loss allowance to noncurrent loans | 73.2712% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 3,424 |
| Noncurrent loans to loans | 2.3042% | 2,271 |
| Net loans and leases to total assets | 52.3265% | 4,659 |
| Net loans and leases to deposits | 62.4653% | 4,478 |
| Net loans and leases to core deposits | 63.7555% | 4,770 |
| Total domestic deposits to total assets | 83.7690% | 4,567 |
| Equity capital to assets | 7.7958% | 6,471 |
| Core capital (leverage) ratio | 7.6746% | 6,369 |
| Tier 1 risk-based capital ratio | 13.6284% | 4,771 |
| Total risk-based capital ratio | 14.8833% | 4,739 |
| Memoranda: | ||
| Average total assets | $101,793,000 | 4,816 |
| Average earning assets | $90,948,000 | 4,866 |
| Average equity | $8,216,500 | 5,428 |
| Average total loans | $56,157,500 | 4,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 2,878 |
| Cost of funding earning assets | 0.7976% | 2,686 |
| Net interest margin | 3.8327% | 3,092 |
| Noninterest income to average assets | 0.6648% | 2,909 |
| Noninterest expense to average assets | 4.0532% | 914 |
| Loan and lease loss provision to assets | 0.4151% | 1,546 |
| Net operating income to assets | -0.1835% | 6,367 |
| Return on assets (ROA) | -0.1575% | 6,423 |
| Pretax return on assets | -0.3636% | 6,510 |
| Return on Equity (ROE) | -1.9595% | 6,450 |
| Retained earnings to average equity (ytd only) | -1.9595% | 6,150 |
| Net charge-offs to loans | 0.2919% | 3,192 |
| Credit loss provision to net charge-offs | 246.4706% | 998 |
| Earnings coverage of net charge-offs (x) | 0.0647% | 5,459 |
| Efficiency ratio | 99.7318% | 572 |
| Assets per employee ($millions) | 3.2882% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,046 |
| Loan loss allowance to noncurrent loans | 58.9487% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 2,968 |
| Noncurrent loans to loans | 2.8303% | 1,862 |
| Net loans and leases to total assets | 56.2806% | 4,240 |
| Net loans and leases to deposits | 68.0676% | 3,969 |
| Net loans and leases to core deposits | 69.5845% | 4,367 |
| Total domestic deposits to total assets | 82.6834% | 4,854 |
| Equity capital to assets | 8.3654% | 6,148 |
| Core capital (leverage) ratio | 7.8947% | 6,281 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,649 |
| Total risk-based capital ratio | 14.8938% | 4,592 |
| Memoranda: | ||
| Average total assets | $100,933,800 | 4,812 |
| Average earning assets | $89,519,200 | 4,882 |
| Average equity | $8,114,400 | 5,468 |
| Average total loans | $58,237,000 | 4,786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 2,852 |
| Cost of funding earning assets | 0.8178% | 2,795 |
| Net interest margin | 3.8698% | 3,028 |
| Noninterest income to average assets | 0.6528% | 2,981 |
| Noninterest expense to average assets | 3.8749% | 1,101 |
| Loan and lease loss provision to assets | 0.4847% | 1,274 |
| Net operating income to assets | -0.1418% | 6,446 |
| Return on assets (ROA) | -0.1300% | 6,520 |
| Pretax return on assets | -0.2575% | 6,575 |
| Return on Equity (ROE) | -1.6337% | 6,540 |
| Retained earnings to average equity (ytd only) | -1.6337% | 6,350 |
| Net charge-offs to loans | -0.0046% | 6,267 |
| Credit loss provision to net charge-offs | -18,450.0000% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8858% | 718 |
| Assets per employee ($millions) | 3.6293% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,712 |
| Loan loss allowance to noncurrent loans | 78.4083% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 3,628 |
| Noncurrent loans to loans | 2.3283% | 2,475 |
| Net loans and leases to total assets | 56.3063% | 4,398 |
| Net loans and leases to deposits | 67.5198% | 4,256 |
| Net loans and leases to core deposits | 68.9660% | 4,614 |
| Total domestic deposits to total assets | 83.3922% | 4,485 |
| Equity capital to assets | 8.0653% | 6,563 |
| Core capital (leverage) ratio | 7.8928% | 6,403 |
| Tier 1 risk-based capital ratio | 13.3233% | 5,004 |
| Total risk-based capital ratio | 14.5800% | 4,968 |
| Memoranda: | ||
| Average total assets | $101,506,000 | 4,841 |
| Average earning assets | $89,994,000 | 4,915 |
| Average equity | $8,080,000 | 5,536 |
| Average total loans | $58,681,250 | 4,814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 2,936 |
| Cost of funding earning assets | 0.8558% | 2,749 |
| Net interest margin | 3.8390% | 3,185 |
| Noninterest income to average assets | 0.6465% | 2,971 |
| Noninterest expense to average assets | 4.0900% | 845 |
| Loan and lease loss provision to assets | 0.6544% | 864 |
| Net operating income to assets | -0.5480% | 6,756 |
| Return on assets (ROA) | -0.5480% | 6,789 |
| Pretax return on assets | -0.6938% | 6,820 |
| Return on Equity (ROE) | -6.9143% | 6,827 |
| Retained earnings to average equity (ytd only) | -6.9143% | 6,716 |
| Net charge-offs to loans | -0.0306% | 6,530 |
| Credit loss provision to net charge-offs | -3,688.8889% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9732% | 526 |
| Assets per employee ($millions) | 3.4537% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 3,200 |
| Loan loss allowance to noncurrent loans | 82.4561% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 3,784 |
| Noncurrent loans to loans | 2.0700% | 2,864 |
| Net loans and leases to total assets | 59.4511% | 3,922 |
| Net loans and leases to deposits | 71.9473% | 3,621 |
| Net loans and leases to core deposits | 73.0748% | 4,158 |
| Total domestic deposits to total assets | 82.6314% | 4,894 |
| Equity capital to assets | 7.9594% | 6,588 |
| Core capital (leverage) ratio | 7.5509% | 6,603 |
| Tier 1 risk-based capital ratio | 12.5987% | 5,495 |
| Total risk-based capital ratio | 13.8536% | 5,478 |
| Memoranda: | ||
| Average total assets | $101,467,670 | 4,868 |
| Average earning assets | $89,971,670 | 4,933 |
| Average equity | $8,041,330 | 5,561 |
| Average total loans | $58,814,000 | 4,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 3,228 |
| Cost of funding earning assets | 0.9066% | 2,639 |
| Net interest margin | 3.7501% | 3,596 |
| Noninterest income to average assets | 0.6580% | 2,881 |
| Noninterest expense to average assets | 3.8581% | 1,118 |
| Loan and lease loss provision to assets | 0.2977% | 2,097 |
| Net operating income to assets | -0.1958% | 6,632 |
| Return on assets (ROA) | -0.1958% | 6,684 |
| Pretax return on assets | -0.1763% | 6,646 |
| Return on Equity (ROE) | -2.4765% | 6,722 |
| Retained earnings to average equity (ytd only) | -2.4765% | 6,334 |
| Net charge-offs to loans | -0.0414% | 6,463 |
| Credit loss provision to net charge-offs | -1,266.6667% | 5,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9488% | 680 |
| Assets per employee ($millions) | 3.5837% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,723 |
| Loan loss allowance to noncurrent loans | 318.9300% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 5,884 |
| Noncurrent loans to loans | 0.4299% | 5,807 |
| Net loans and leases to total assets | 53.6439% | 4,781 |
| Net loans and leases to deposits | 64.7552% | 4,519 |
| Net loans and leases to core deposits | 65.7294% | 4,946 |
| Total domestic deposits to total assets | 82.8410% | 4,993 |
| Equity capital to assets | 7.7419% | 6,667 |
| Core capital (leverage) ratio | 7.8048% | 6,410 |
| Tier 1 risk-based capital ratio | 13.3524% | 4,932 |
| Total risk-based capital ratio | 14.6025% | 4,923 |
| Memoranda: | ||
| Average total assets | $102,122,500 | 4,887 |
| Average earning assets | $90,450,500 | 4,948 |
| Average equity | $8,076,000 | 5,568 |
| Average total loans | $57,931,500 | 4,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 4,076 |
| Cost of funding earning assets | 1.0839% | 2,778 |
| Net interest margin | 3.6570% | 4,487 |
| Noninterest income to average assets | 0.8211% | 1,960 |
| Noninterest expense to average assets | 3.6237% | 1,694 |
| Loan and lease loss provision to assets | 1.3210% | 613 |
| Net operating income to assets | -1.2250% | 6,831 |
| Return on assets (ROA) | -0.8249% | 6,697 |
| Pretax return on assets | -0.4913% | 6,489 |
| Return on Equity (ROE) | -10.4689% | 6,753 |
| Retained earnings to average equity (ytd only) | -11.2047% | 6,737 |
| Net charge-offs to loans | 2.1369% | 617 |
| Credit loss provision to net charge-offs | 111.2000% | 2,994 |
| Earnings coverage of net charge-offs (x) | 0.3616% | 5,548 |
| Efficiency ratio | 89.4021% | 1,235 |
| Assets per employee ($millions) | 3.3439% | 5,392 |
| Cash dividends to net income (ytd only)* | -7.0276% | 7,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 5,548 |
| Loan loss allowance to noncurrent loans | 160.0462% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 4,919 |
| Noncurrent loans to loans | 0.7297% | 5,239 |
| Net loans and leases to total assets | 58.4587% | 4,289 |
| Net loans and leases to deposits | 72.0018% | 3,794 |
| Net loans and leases to core deposits | 73.6290% | 4,295 |
| Total domestic deposits to total assets | 81.1906% | 5,390 |
| Equity capital to assets | 8.0804% | 6,522 |
| Core capital (leverage) ratio | 7.7778% | 6,462 |
| Tier 1 risk-based capital ratio | 12.8075% | 5,236 |
| Total risk-based capital ratio | 13.9129% | 5,311 |
| Memoranda: | ||
| Average total assets | $105,223,800 | 4,750 |
| Average earning assets | $93,000,600 | 4,831 |
| Average equity | $8,291,200 | 5,478 |
| Average total loans | $58,494,800 | 4,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 4,583 |
| Cost of funding earning assets | 1.1161% | 2,871 |
| Net interest margin | 3.5565% | 4,952 |
| Noninterest income to average assets | 0.7766% | 2,159 |
| Noninterest expense to average assets | 3.5909% | 1,726 |
| Loan and lease loss provision to assets | 1.6470% | 393 |
| Net operating income to assets | -1.4554% | 7,032 |
| Return on assets (ROA) | -1.4554% | 7,045 |
| Pretax return on assets | -1.3164% | 6,971 |
| Return on Equity (ROE) | -18.5822% | 7,075 |
| Retained earnings to average equity (ytd only) | -19.3179% | 7,073 |
| Net charge-offs to loans | 2.6101% | 411 |
| Credit loss provision to net charge-offs | 115.2498% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.2314% | 5,424 |
| Efficiency ratio | 91.5682% | 1,059 |
| Assets per employee ($millions) | 3.3226% | 5,438 |
| Cash dividends to net income (ytd only)* | -3.9586% | 7,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,399 |
| Loan loss allowance to noncurrent loans | 74.4877% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 4,595 |
| Noncurrent loans to loans | 1.6338% | 3,839 |
| Net loans and leases to total assets | 55.5002% | 4,916 |
| Net loans and leases to deposits | 68.2346% | 4,563 |
| Net loans and leases to core deposits | 69.9013% | 4,958 |
| Total domestic deposits to total assets | 81.3372% | 5,316 |
| Equity capital to assets | 7.7997% | 6,803 |
| Core capital (leverage) ratio | 7.2756% | 6,871 |
| Tier 1 risk-based capital ratio | 12.3514% | 5,620 |
| Total risk-based capital ratio | 13.5100% | 5,681 |
| Memoranda: | ||
| Average total assets | $106,450,500 | 4,748 |
| Average earning assets | $94,134,500 | 4,845 |
| Average equity | $8,337,500 | 5,497 |
| Average total loans | $58,284,250 | 4,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 4,946 |
| Cost of funding earning assets | 1.1531% | 2,880 |
| Net interest margin | 3.4509% | 5,365 |
| Noninterest income to average assets | 0.8714% | 1,741 |
| Noninterest expense to average assets | 3.6697% | 1,583 |
| Loan and lease loss provision to assets | 1.9720% | 315 |
| Net operating income to assets | -2.1335% | 7,213 |
| Return on assets (ROA) | -2.1335% | 7,221 |
| Pretax return on assets | -1.7184% | 7,118 |
| Return on Equity (ROE) | -27.2020% | 7,217 |
| Retained earnings to average equity (ytd only) | -28.3035% | 7,216 |
| Net charge-offs to loans | 2.9619% | 352 |
| Credit loss provision to net charge-offs | 122.6636% | 2,482 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,183 |
| Efficiency ratio | 93.5376% | 1,009 |
| Assets per employee ($millions) | 3.6900% | 4,476 |
| Cash dividends to net income (ytd only)* | -4.0493% | 7,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 5,142 |
| Loan loss allowance to noncurrent loans | 123.6755% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,450 |
| Noncurrent loans to loans | 1.0366% | 4,922 |
| Net loans and leases to total assets | 53.7525% | 5,330 |
| Net loans and leases to deposits | 65.9890% | 5,001 |
| Net loans and leases to core deposits | 67.5855% | 5,330 |
| Total domestic deposits to total assets | 81.4567% | 5,369 |
| Equity capital to assets | 7.5760% | 6,913 |
| Core capital (leverage) ratio | 7.1206% | 6,948 |
| Tier 1 risk-based capital ratio | 12.7475% | 5,130 |
| Total risk-based capital ratio | 13.9721% | 5,132 |
| Memoranda: | ||
| Average total assets | $106,492,670 | 4,792 |
| Average earning assets | $94,178,330 | 4,878 |
| Average equity | $8,352,330 | 5,500 |
| Average total loans | $57,800,000 | 5,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 4,811 |
| Cost of funding earning assets | 1.1773% | 2,968 |
| Net interest margin | 3.4551% | 5,203 |
| Noninterest income to average assets | 0.8961% | 1,675 |
| Noninterest expense to average assets | 3.8481% | 1,249 |
| Loan and lease loss provision to assets | 3.6711% | 122 |
| Net operating income to assets | -4.7480% | 7,483 |
| Return on assets (ROA) | -4.7480% | 7,483 |
| Pretax return on assets | -3.5732% | 7,415 |
| Return on Equity (ROE) | -59.5162% | 7,434 |
| Retained earnings to average equity (ytd only) | -59.5162% | 7,424 |
| Net charge-offs to loans | 3.7730% | 255 |
| Credit loss provision to net charge-offs | 179.5580% | 1,630 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 4,553 |
| Efficiency ratio | 97.5191% | 859 |
| Assets per employee ($millions) | 4.0061% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 3,298 |
| Loan loss allowance to noncurrent loans | 90.1189% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 4,950 |
| Noncurrent loans to loans | 1.8995% | 3,701 |
| Net loans and leases to total assets | 50.4194% | 5,792 |
| Net loans and leases to deposits | 61.0308% | 5,612 |
| Net loans and leases to core deposits | 62.4156% | 5,888 |
| Total domestic deposits to total assets | 82.6132% | 5,059 |
| Equity capital to assets | 6.9991% | 7,084 |
| Core capital (leverage) ratio | 7.1758% | 6,928 |
| Tier 1 risk-based capital ratio | 12.8967% | 4,902 |
| Total risk-based capital ratio | 14.1517% | 4,887 |
| Memoranda: | ||
| Average total assets | $106,234,500 | 4,829 |
| Average earning assets | $93,775,500 | 4,920 |
| Average equity | $8,475,000 | 5,462 |
| Average total loans | $57,566,500 | 5,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 3,738 |
| Cost of funding earning assets | 1.4360% | 3,042 |
| Net interest margin | 3.7364% | 4,200 |
| Noninterest income to average assets | 0.7637% | 2,467 |
| Noninterest expense to average assets | 3.8153% | 1,455 |
| Loan and lease loss provision to assets | 0.3231% | 4,228 |
| Net operating income to assets | 0.0607% | 5,675 |
| Return on assets (ROA) | 0.1508% | 5,595 |
| Pretax return on assets | 0.0117% | 5,877 |
| Return on Equity (ROE) | 1.6688% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.3468% | 5,406 |
| Net charge-offs to loans | 0.4820% | 3,696 |
| Credit loss provision to net charge-offs | 116.6078% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.8834% | 5,241 |
| Efficiency ratio | 93.9715% | 1,061 |
| Assets per employee ($millions) | 3.5821% | 4,747 |
| Cash dividends to net income (ytd only)* | 79.2208% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,529 |
| Loan loss allowance to noncurrent loans | 103.5581% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 3,877 |
| Noncurrent loans to loans | 0.9272% | 5,194 |
| Net loans and leases to total assets | 56.8695% | 5,204 |
| Net loans and leases to deposits | 73.5560% | 4,269 |
| Net loans and leases to core deposits | 75.5564% | 4,778 |
| Total domestic deposits to total assets | 77.3146% | 6,430 |
| Equity capital to assets | 9.0720% | 5,040 |
| Core capital (leverage) ratio | 8.5517% | 5,271 |
| Tier 1 risk-based capital ratio | 14.7954% | 3,373 |
| Total risk-based capital ratio | 15.7087% | 3,528 |
| Memoranda: | ||
| Average total assets | $102,141,000 | 4,923 |
| Average earning assets | $90,113,200 | 5,012 |
| Average equity | $9,228,200 | 5,348 |
| Average total loans | $58,717,200 | 5,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 4,065 |
| Cost of funding earning assets | 1.4543% | 3,247 |
| Net interest margin | 3.6988% | 4,402 |
| Noninterest income to average assets | 0.7550% | 2,479 |
| Noninterest expense to average assets | 3.7022% | 1,559 |
| Loan and lease loss provision to assets | 0.3509% | 3,805 |
| Net operating income to assets | 0.0819% | 5,816 |
| Return on assets (ROA) | 0.1572% | 5,778 |
| Pretax return on assets | 0.0494% | 6,004 |
| Return on Equity (ROE) | 1.7421% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.6479% | 5,542 |
| Net charge-offs to loans | 0.6463% | 2,815 |
| Credit loss provision to net charge-offs | 94.4056% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.8741% | 5,172 |
| Efficiency ratio | 91.9329% | 1,131 |
| Assets per employee ($millions) | 3.3889% | 5,231 |
| Cash dividends to net income (ytd only)* | 62.8091% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 6,925 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.5830% | 4,071 |
| Noncurrent loans to loans | 0.9202% | 5,400 |
| Net loans and leases to total assets | 55.2890% | 5,657 |
| Net loans and leases to deposits | 71.4022% | 4,927 |
| Net loans and leases to core deposits | 73.0179% | 5,403 |
| Total domestic deposits to total assets | 77.4332% | 6,384 |
| Equity capital to assets | 8.9799% | 5,606 |
| Core capital (leverage) ratio | 8.7022% | 5,182 |
| Tier 1 risk-based capital ratio | 14.6621% | 3,417 |
| Total risk-based capital ratio | 15.4631% | 3,654 |
| Memoranda: | ||
| Average total assets | $102,601,750 | 4,973 |
| Average earning assets | $90,765,750 | 5,045 |
| Average equity | $9,260,500 | 5,413 |
| Average total loans | $58,998,500 | 5,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2088% | 3,908 |
| Cost of funding earning assets | 1.4857% | 3,334 |
| Net interest margin | 3.7231% | 4,257 |
| Noninterest income to average assets | 0.7054% | 2,674 |
| Noninterest expense to average assets | 3.5251% | 1,966 |
| Loan and lease loss provision to assets | 0.3537% | 3,598 |
| Net operating income to assets | 0.1611% | 5,690 |
| Return on assets (ROA) | 0.2751% | 5,429 |
| Pretax return on assets | 0.2495% | 5,655 |
| Return on Equity (ROE) | 3.0426% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.3909% | 5,186 |
| Net charge-offs to loans | 0.9131% | 2,008 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.9222% | 4,854 |
| Efficiency ratio | 87.8120% | 1,524 |
| Assets per employee ($millions) | 3.1337% | 5,837 |
| Cash dividends to net income (ytd only)* | 54.2857% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 7,218 |
| Loan loss allowance to noncurrent loans | 27.2251% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 1.5238% | 4,173 |
| Noncurrent loans to loans | 2.6176% | 3,026 |
| Net loans and leases to total assets | 57.7963% | 5,447 |
| Net loans and leases to deposits | 75.3961% | 4,439 |
| Net loans and leases to core deposits | 77.2009% | 5,064 |
| Total domestic deposits to total assets | 76.6569% | 6,573 |
| Equity capital to assets | 9.2313% | 5,101 |
| Core capital (leverage) ratio | 8.8059% | 4,904 |
| Tier 1 risk-based capital ratio | 15.4369% | 2,932 |
| Total risk-based capital ratio | 16.1512% | 3,181 |
| Memoranda: | ||
| Average total assets | $101,783,330 | 5,027 |
| Average earning assets | $90,461,670 | 5,076 |
| Average equity | $9,202,670 | 5,444 |
| Average total loans | $59,139,670 | 5,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 3,323 |
| Cost of funding earning assets | 1.4981% | 3,576 |
| Net interest margin | 3.8459% | 3,589 |
| Noninterest income to average assets | 0.5618% | 3,551 |
| Noninterest expense to average assets | 3.3861% | 2,274 |
| Loan and lease loss provision to assets | 0.3511% | 3,274 |
| Net operating income to assets | 0.2536% | 5,480 |
| Return on assets (ROA) | 0.4798% | 4,623 |
| Pretax return on assets | 0.4759% | 5,045 |
| Return on Equity (ROE) | 5.3621% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,953 |
| Net charge-offs to loans | 0.4502% | 2,701 |
| Credit loss provision to net charge-offs | 134.3284% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.2985% | 3,391 |
| Efficiency ratio | 84.9315% | 1,916 |
| Assets per employee ($millions) | 3.5780% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,838 |
| Loan loss allowance to noncurrent loans | 33.2078% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 4,202 |
| Noncurrent loans to loans | 2.7088% | 2,958 |
| Net loans and leases to total assets | 56.1675% | 5,721 |
| Net loans and leases to deposits | 73.4542% | 4,831 |
| Net loans and leases to core deposits | 76.1362% | 5,243 |
| Total domestic deposits to total assets | 76.4661% | 6,669 |
| Equity capital to assets | 8.9012% | 5,410 |
| Core capital (leverage) ratio | 8.8682% | 4,771 |
| Tier 1 risk-based capital ratio | 15.3618% | 2,939 |
| Total risk-based capital ratio | 16.2598% | 3,073 |
| Memoranda: | ||
| Average total assets | $102,536,000 | 5,074 |
| Average earning assets | $91,318,500 | 5,126 |
| Average equity | $9,175,500 | 5,490 |
| Average total loans | $59,523,000 | 5,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 3,887 |
| Cost of funding earning assets | 1.8832% | 3,547 |
| Net interest margin | 3.6646% | 4,286 |
| Noninterest income to average assets | 0.6072% | 3,575 |
| Noninterest expense to average assets | 3.6118% | 2,114 |
| Loan and lease loss provision to assets | 0.4055% | 4,385 |
| Net operating income to assets | 0.0450% | 5,352 |
| Return on assets (ROA) | 0.1038% | 5,249 |
| Pretax return on assets | -0.0059% | 5,453 |
| Return on Equity (ROE) | 1.1429% | 5,192 |
| Retained earnings to average equity (ytd only) | -0.1850% | 4,990 |
| Net charge-offs to loans | 0.9276% | 2,536 |
| Credit loss provision to net charge-offs | 71.4286% | 6,464 |
| Earnings coverage of net charge-offs (x) | 0.5418% | 5,570 |
| Efficiency ratio | 92.1524% | 1,553 |
| Assets per employee ($millions) | 3.2681% | 5,564 |
| Cash dividends to net income (ytd only)* | 116.1905% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 7,013 |
| Loan loss allowance to noncurrent loans | 24.7675% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 3,376 |
| Noncurrent loans to loans | 3.3916% | 2,255 |
| Net loans and leases to total assets | 58.9581% | 5,496 |
| Net loans and leases to deposits | 77.4339% | 4,482 |
| Net loans and leases to core deposits | 85.1427% | 5,601 |
| Total domestic deposits to total assets | 76.1398% | 6,651 |
| Equity capital to assets | 8.9970% | 5,153 |
| Core capital (leverage) ratio | 8.5584% | 5,175 |
| Tier 1 risk-based capital ratio | 14.4480% | 3,239 |
| Total risk-based capital ratio | 15.2687% | 3,440 |
| Memoranda: | ||
| Average total assets | $101,112,000 | 5,057 |
| Average earning assets | $91,388,200 | 5,081 |
| Average equity | $9,186,800 | 5,551 |
| Average total loans | $61,878,000 | 5,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 4,138 |
| Cost of funding earning assets | 1.9579% | 3,580 |
| Net interest margin | 3.5949% | 4,497 |
| Noninterest income to average assets | 0.5910% | 3,775 |
| Noninterest expense to average assets | 3.5885% | 2,049 |
| Loan and lease loss provision to assets | 0.1979% | 5,409 |
| Net operating income to assets | 0.1267% | 5,385 |
| Return on assets (ROA) | 0.1926% | 5,260 |
| Pretax return on assets | 0.1359% | 5,448 |
| Return on Equity (ROE) | 2.1148% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.2312% | 4,637 |
| Net charge-offs to loans | 0.5052% | 3,206 |
| Credit loss provision to net charge-offs | 63.5593% | 6,111 |
| Earnings coverage of net charge-offs (x) | 0.8602% | 5,199 |
| Efficiency ratio | 93.0551% | 1,461 |
| Assets per employee ($millions) | 3.2174% | 5,608 |
| Cash dividends to net income (ytd only)* | 41.7805% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,494 |
| Loan loss allowance to noncurrent loans | 29.7201% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,484 |
| Noncurrent loans to loans | 3.2260% | 2,346 |
| Net loans and leases to total assets | 58.5944% | 5,795 |
| Net loans and leases to deposits | 78.8526% | 4,585 |
| Net loans and leases to core deposits | 87.4659% | 5,694 |
| Total domestic deposits to total assets | 74.3087% | 6,897 |
| Equity capital to assets | 9.0999% | 5,338 |
| Core capital (leverage) ratio | 8.6723% | 5,179 |
| Tier 1 risk-based capital ratio | 14.3313% | 3,365 |
| Total risk-based capital ratio | 15.2805% | 3,484 |
| Memoranda: | ||
| Average total assets | $101,062,250 | 5,097 |
| Average earning assets | $91,795,750 | 5,104 |
| Average equity | $9,204,750 | 5,590 |
| Average total loans | $62,288,250 | 5,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 4,085 |
| Cost of funding earning assets | 2.0545% | 3,502 |
| Net interest margin | 3.5438% | 4,599 |
| Noninterest income to average assets | 0.5815% | 3,828 |
| Noninterest expense to average assets | 3.5089% | 2,311 |
| Loan and lease loss provision to assets | 0.1195% | 5,932 |
| Net operating income to assets | 0.2549% | 5,068 |
| Return on assets (ROA) | 0.2788% | 5,087 |
| Pretax return on assets | 0.1991% | 5,468 |
| Return on Equity (ROE) | 3.0601% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.7268% | 4,379 |
| Net charge-offs to loans | 0.3952% | 3,224 |
| Credit loss provision to net charge-offs | 48.3871% | 5,790 |
| Earnings coverage of net charge-offs (x) | 1.1935% | 4,632 |
| Efficiency ratio | 92.2513% | 1,620 |
| Assets per employee ($millions) | 3.7041% | 4,315 |
| Cash dividends to net income (ytd only)* | 43.5714% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,420 |
| Loan loss allowance to noncurrent loans | 29.1066% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1144% | 3,040 |
| Noncurrent loans to loans | 3.3492% | 2,101 |
| Net loans and leases to total assets | 59.3540% | 5,783 |
| Net loans and leases to deposits | 79.4422% | 4,630 |
| Net loans and leases to core deposits | 88.1063% | 5,714 |
| Total domestic deposits to total assets | 74.7134% | 6,820 |
| Equity capital to assets | 8.8541% | 5,522 |
| Core capital (leverage) ratio | 8.7214% | 5,058 |
| Tier 1 risk-based capital ratio | 14.0629% | 3,479 |
| Total risk-based capital ratio | 15.0072% | 3,586 |
| Memoranda: | ||
| Average total assets | $100,430,670 | 5,151 |
| Average earning assets | $91,313,330 | 5,152 |
| Average equity | $9,150,000 | 5,632 |
| Average total loans | $62,747,330 | 5,224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6668% | 3,959 |
| Cost of funding earning assets | 2.1245% | 3,541 |
| Net interest margin | 3.5423% | 4,560 |
| Noninterest income to average assets | 0.5466% | 3,954 |
| Noninterest expense to average assets | 3.2352% | 2,843 |
| Loan and lease loss provision to assets | 0.1215% | 5,410 |
| Net operating income to assets | 0.3553% | 5,046 |
| Return on assets (ROA) | 0.3725% | 5,151 |
| Pretax return on assets | 0.4373% | 5,284 |
| Return on Equity (ROE) | 4.0291% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.0291% | 3,661 |
| Net charge-offs to loans | -0.2094% | 8,016 |
| Credit loss provision to net charge-offs | -90.9091% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7296% | 2,105 |
| Assets per employee ($millions) | 3.7219% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 4,982 |
| Loan loss allowance to noncurrent loans | 31.6768% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3276% | 2,467 |
| Noncurrent loans to loans | 3.6971% | 1,692 |
| Net loans and leases to total assets | 61.5554% | 5,411 |
| Net loans and leases to deposits | 83.1132% | 4,114 |
| Net loans and leases to core deposits | 91.7474% | 5,374 |
| Total domestic deposits to total assets | 74.0621% | 6,883 |
| Equity capital to assets | 9.1621% | 5,132 |
| Core capital (leverage) ratio | 9.1481% | 4,486 |
| Tier 1 risk-based capital ratio | 14.5929% | 3,260 |
| Total risk-based capital ratio | 15.7752% | 3,223 |
| Memoranda: | ||
| Average total assets | $98,788,500 | 5,212 |
| Average earning assets | $89,997,500 | 5,222 |
| Average equity | $9,133,500 | 5,650 |
| Average total loans | $63,038,500 | 5,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3340% | 3,766 |
| Cost of funding earning assets | 2.4234% | 4,617 |
| Net interest margin | 3.9107% | 3,511 |
| Noninterest income to average assets | 0.6099% | 3,773 |
| Noninterest expense to average assets | 3.6617% | 2,025 |
| Loan and lease loss provision to assets | 0.3745% | 3,438 |
| Net operating income to assets | 0.0091% | 6,342 |
| Return on assets (ROA) | 0.0105% | 6,196 |
| Pretax return on assets | 0.0942% | 5,957 |
| Return on Equity (ROE) | 0.1084% | 6,192 |
| Retained earnings to average equity (ytd only) | -2.2111% | 5,928 |
| Net charge-offs to loans | 0.2648% | 3,638 |
| Credit loss provision to net charge-offs | 206.9364% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.5780% | 4,795 |
| Efficiency ratio | 88.6974% | 1,618 |
| Assets per employee ($millions) | 3.5958% | 4,424 |
| Cash dividends to net income (ytd only)* | 2,140.0000% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,580 |
| Loan loss allowance to noncurrent loans | 34.1662% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 2.2207% | 2,199 |
| Noncurrent loans to loans | 3.0888% | 1,728 |
| Net loans and leases to total assets | 64.7018% | 5,127 |
| Net loans and leases to deposits | 88.2398% | 3,765 |
| Net loans and leases to core deposits | 97.4647% | 5,101 |
| Total domestic deposits to total assets | 73.3250% | 6,769 |
| Equity capital to assets | 9.3318% | 4,897 |
| Core capital (leverage) ratio | 9.1906% | 4,455 |
| Tier 1 risk-based capital ratio | 14.4382% | 3,327 |
| Total risk-based capital ratio | 15.5167% | 3,334 |
| Memoranda: | ||
| Average total assets | $95,583,200 | 5,184 |
| Average earning assets | $85,995,800 | 5,232 |
| Average equity | $9,226,000 | 5,663 |
| Average total loans | $65,344,600 | 5,046 |