Home > The Cleveland Bank > Performance and Condition Ratios
The Cleveland Bank, Performance and Condition Ratios
| 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 | 3.9924% | 5,333 |
| Cost of funding earning assets | 0.6056% | 4,289 |
| Net interest margin | 3.3868% | 4,932 |
| Noninterest income to average assets | 0.6336% | 3,086 |
| Noninterest expense to average assets | 3.6278% | 1,544 |
| Loan and lease loss provision to assets | 0.4662% | 1,339 |
| Net operating income to assets | -0.3019% | 6,442 |
| Return on assets (ROA) | 0.3426% | 5,541 |
| Pretax return on assets | 0.3426% | 5,734 |
| Return on Equity (ROE) | 4.5142% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.5142% | 3,050 |
| Net charge-offs to loans | 0.9148% | 1,233 |
| Credit loss provision to net charge-offs | 95.5128% | 3,252 |
| Earnings coverage of net charge-offs (x) | 0.3365% | 5,307 |
| Efficiency ratio | 95.6683% | 723 |
| Assets per employee ($millions) | 3.7593% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 6,618 |
| Loan loss allowance to noncurrent loans | 32.7422% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 3,693 |
| Noncurrent loans to loans | 2.1758% | 2,492 |
| Net loans and leases to total assets | 49.4318% | 5,251 |
| Net loans and leases to deposits | 53.0861% | 5,731 |
| Net loans and leases to core deposits | 54.6017% | 5,835 |
| Total domestic deposits to total assets | 93.1163% | 119 |
| Equity capital to assets | 6.8497% | 6,799 |
| Core capital (leverage) ratio | 7.3792% | 6,550 |
| Tier 1 risk-based capital ratio | 12.6128% | 5,390 |
| Total risk-based capital ratio | 13.2815% | 5,722 |
| Memoranda: | ||
| Average total assets | $63,922,400 | 5,821 |
| Average earning assets | $59,613,400 | 5,760 |
| Average equity | $4,851,400 | 6,336 |
| Average total loans | $34,104,600 | 5,756 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 4,786 |
| Cost of funding earning assets | 0.6518% | 4,183 |
| Net interest margin | 3.5585% | 4,404 |
| Noninterest income to average assets | 0.4445% | 4,329 |
| Noninterest expense to average assets | 3.2895% | 2,300 |
| Loan and lease loss provision to assets | 0.1058% | 4,245 |
| Net operating income to assets | 0.3662% | 5,386 |
| Return on assets (ROA) | 0.6520% | 4,399 |
| Pretax return on assets | 0.6520% | 5,004 |
| Return on Equity (ROE) | 8.3714% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.3714% | 1,450 |
| Net charge-offs to loans | 0.3079% | 2,905 |
| Credit loss provision to net charge-offs | 63.2911% | 4,064 |
| Earnings coverage of net charge-offs (x) | 2.8228% | 3,909 |
| Efficiency ratio | 87.4508% | 1,256 |
| Assets per employee ($millions) | 3.4110% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 6,806 |
| Loan loss allowance to noncurrent loans | 27.6284% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 3,490 |
| Noncurrent loans to loans | 2.3624% | 2,443 |
| Net loans and leases to total assets | 56.0279% | 4,448 |
| Net loans and leases to deposits | 61.2383% | 5,056 |
| Net loans and leases to core deposits | 62.7119% | 5,292 |
| Total domestic deposits to total assets | 91.4916% | 291 |
| Equity capital to assets | 8.3162% | 6,409 |
| Core capital (leverage) ratio | 7.2011% | 6,749 |
| Tier 1 risk-based capital ratio | 12.8665% | 5,358 |
| Total risk-based capital ratio | 13.4965% | 5,778 |
| Memoranda: | ||
| Average total assets | $62,986,250 | 5,915 |
| Average earning assets | $58,712,250 | 5,849 |
| Average equity | $4,905,500 | 6,389 |
| Average total loans | $34,208,500 | 5,824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 4,854 |
| Cost of funding earning assets | 0.6699% | 4,277 |
| Net interest margin | 3.5592% | 4,418 |
| Noninterest income to average assets | 0.5983% | 3,266 |
| Noninterest expense to average assets | 3.1992% | 2,592 |
| Loan and lease loss provision to assets | 0.0472% | 5,087 |
| Net operating income to assets | 0.6644% | 4,039 |
| Return on assets (ROA) | 0.6644% | 4,302 |
| Pretax return on assets | 0.6644% | 4,929 |
| Return on Equity (ROE) | 8.7214% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.7214% | 1,365 |
| Net charge-offs to loans | 0.2231% | 3,239 |
| Credit loss provision to net charge-offs | 39.4737% | 4,272 |
| Earnings coverage of net charge-offs (x) | 5.9474% | 2,726 |
| Efficiency ratio | 81.8035% | 1,909 |
| Assets per employee ($millions) | 3.3013% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 6,865 |
| Loan loss allowance to noncurrent loans | 76.8212% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 4,356 |
| Noncurrent loans to loans | 0.8654% | 4,767 |
| Net loans and leases to total assets | 52.5005% | 5,031 |
| Net loans and leases to deposits | 56.8850% | 5,565 |
| Net loans and leases to core deposits | 58.3884% | 5,746 |
| Total domestic deposits to total assets | 92.2924% | 185 |
| Equity capital to assets | 7.5697% | 6,771 |
| Core capital (leverage) ratio | 6.9421% | 6,834 |
| Tier 1 risk-based capital ratio | 12.0030% | 5,933 |
| Total risk-based capital ratio | 12.6192% | 6,276 |
| Memoranda: | ||
| Average total assets | $63,515,670 | 5,930 |
| Average earning assets | $59,114,670 | 5,868 |
| Average equity | $4,838,670 | 6,437 |
| Average total loans | $34,069,330 | 5,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 4,831 |
| Cost of funding earning assets | 0.6848% | 4,413 |
| Net interest margin | 3.5900% | 4,307 |
| Noninterest income to average assets | 0.6039% | 3,208 |
| Noninterest expense to average assets | 3.2894% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6489% | 4,122 |
| Return on assets (ROA) | 0.6489% | 4,337 |
| Pretax return on assets | 0.6489% | 4,943 |
| Return on Equity (ROE) | 8.4892% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.4892% | 1,782 |
| Net charge-offs to loans | 0.2139% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.6111% | 2,326 |
| Efficiency ratio | 83.5237% | 1,734 |
| Assets per employee ($millions) | 2.9175% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,867 |
| Loan loss allowance to noncurrent loans | 99.5816% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 4,632 |
| Noncurrent loans to loans | 0.7073% | 5,252 |
| Net loans and leases to total assets | 52.2723% | 4,982 |
| Net loans and leases to deposits | 56.5765% | 5,541 |
| Net loans and leases to core deposits | 57.8186% | 5,724 |
| Total domestic deposits to total assets | 92.3923% | 206 |
| Equity capital to assets | 7.5111% | 6,775 |
| Core capital (leverage) ratio | 7.0600% | 6,818 |
| Tier 1 risk-based capital ratio | 12.0062% | 5,960 |
| Total risk-based capital ratio | 12.6542% | 6,313 |
| Memoranda: | ||
| Average total assets | $62,260,500 | 6,002 |
| Average earning assets | $57,828,000 | 5,947 |
| Average equity | $4,759,000 | 6,495 |
| Average total loans | $33,656,000 | 5,930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 4,377 |
| Cost of funding earning assets | 0.7901% | 4,938 |
| Net interest margin | 3.8799% | 3,425 |
| Noninterest income to average assets | 0.6804% | 2,723 |
| Noninterest expense to average assets | 3.3915% | 2,264 |
| Loan and lease loss provision to assets | 0.2062% | 4,126 |
| Net operating income to assets | 0.6597% | 3,695 |
| Return on assets (ROA) | 0.7766% | 3,314 |
| Pretax return on assets | 0.7766% | 4,064 |
| Return on Equity (ROE) | 9.5824% | 2,215 |
| Retained earnings to average equity (ytd only) | 2.6924% | 4,318 |
| Net charge-offs to loans | 0.3365% | 3,712 |
| Credit loss provision to net charge-offs | 111.1111% | 2,998 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,022 |
| Efficiency ratio | 79.6610% | 2,353 |
| Assets per employee ($millions) | 2.7425% | 6,546 |
| Cash dividends to net income (ytd only)* | 71.9027% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 6,820 |
| Loan loss allowance to noncurrent loans | 72.8571% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,268 |
| Noncurrent loans to loans | 1.0441% | 4,623 |
| Net loans and leases to total assets | 55.1379% | 4,863 |
| Net loans and leases to deposits | 59.8216% | 5,505 |
| Net loans and leases to core deposits | 61.2197% | 5,731 |
| Total domestic deposits to total assets | 92.1705% | 217 |
| Equity capital to assets | 7.7847% | 6,696 |
| Core capital (leverage) ratio | 7.3186% | 6,738 |
| Tier 1 risk-based capital ratio | 11.9947% | 5,843 |
| Total risk-based capital ratio | 12.7046% | 6,178 |
| Memoranda: | ||
| Average total assets | $58,204,800 | 6,098 |
| Average earning assets | $53,661,600 | 6,058 |
| Average equity | $4,717,000 | 6,527 |
| Average total loans | $32,097,200 | 6,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 4,289 |
| Cost of funding earning assets | 0.8236% | 4,984 |
| Net interest margin | 3.9144% | 3,309 |
| Noninterest income to average assets | 0.6820% | 2,710 |
| Noninterest expense to average assets | 3.3776% | 2,256 |
| Loan and lease loss provision to assets | 0.1272% | 4,843 |
| Net operating income to assets | 0.7814% | 3,245 |
| Return on assets (ROA) | 0.7814% | 3,414 |
| Pretax return on assets | 0.7814% | 4,194 |
| Return on Equity (ROE) | 9.5438% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.5438% | 970 |
| Net charge-offs to loans | 0.3192% | 3,505 |
| Credit loss provision to net charge-offs | 72.3684% | 4,406 |
| Earnings coverage of net charge-offs (x) | 5.1711% | 2,858 |
| Efficiency ratio | 78.8026% | 2,430 |
| Assets per employee ($millions) | 2.6776% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6873% | 6,985 |
| Loan loss allowance to noncurrent loans | 85.7692% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 4,601 |
| Noncurrent loans to loans | 0.8014% | 5,268 |
| Net loans and leases to total assets | 54.6981% | 5,054 |
| Net loans and leases to deposits | 59.9438% | 5,637 |
| Net loans and leases to core deposits | 60.8116% | 5,923 |
| Total domestic deposits to total assets | 91.2489% | 363 |
| Equity capital to assets | 8.5830% | 6,217 |
| Core capital (leverage) ratio | 7.7134% | 6,630 |
| Tier 1 risk-based capital ratio | 12.8002% | 5,247 |
| Total risk-based capital ratio | 13.4319% | 5,743 |
| Memoranda: | ||
| Average total assets | $57,672,000 | 6,159 |
| Average earning assets | $53,101,750 | 6,124 |
| Average equity | $4,722,000 | 6,579 |
| Average total loans | $31,740,750 | 6,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 4,461 |
| Cost of funding earning assets | 0.8570% | 5,006 |
| Net interest margin | 3.8601% | 3,490 |
| Noninterest income to average assets | 0.6497% | 2,843 |
| Noninterest expense to average assets | 3.3741% | 2,332 |
| Loan and lease loss provision to assets | 0.1048% | 4,997 |
| Net operating income to assets | 0.7265% | 3,406 |
| Return on assets (ROA) | 0.7265% | 3,527 |
| Pretax return on assets | 0.7265% | 4,289 |
| Return on Equity (ROE) | 9.0225% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.0225% | 1,102 |
| Net charge-offs to loans | 0.3618% | 3,106 |
| Credit loss provision to net charge-offs | 52.6316% | 4,517 |
| Earnings coverage of net charge-offs (x) | 4.1754% | 2,942 |
| Efficiency ratio | 80.2326% | 2,358 |
| Assets per employee ($millions) | 2.8770% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 7,058 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9517% | 4,956 |
| Noncurrent loans to loans | 0.5012% | 5,901 |
| Net loans and leases to total assets | 53.1432% | 5,407 |
| Net loans and leases to deposits | 57.8317% | 5,955 |
| Net loans and leases to core deposits | 58.3732% | 6,245 |
| Total domestic deposits to total assets | 91.8929% | 257 |
| Equity capital to assets | 7.9913% | 6,688 |
| Core capital (leverage) ratio | 7.5797% | 6,692 |
| Tier 1 risk-based capital ratio | 12.4215% | 5,422 |
| Total risk-based capital ratio | 13.0327% | 5,940 |
| Memoranda: | ||
| Average total assets | $57,260,330 | 6,227 |
| Average earning assets | $52,744,330 | 6,198 |
| Average equity | $4,610,670 | 6,650 |
| Average total loans | $31,506,330 | 6,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 4,099 |
| Cost of funding earning assets | 0.8767% | 5,082 |
| Net interest margin | 3.9140% | 3,073 |
| Noninterest income to average assets | 0.6393% | 2,902 |
| Noninterest expense to average assets | 3.4409% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7902% | 3,080 |
| Return on assets (ROA) | 0.7902% | 3,150 |
| Pretax return on assets | 0.7902% | 3,934 |
| Return on Equity (ROE) | 9.7734% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.7734% | 1,165 |
| Net charge-offs to loans | 0.5145% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,980 |
| Efficiency ratio | 81.3243% | 2,328 |
| Assets per employee ($millions) | 2.6753% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6486% | 7,147 |
| Loan loss allowance to noncurrent loans | 83.1967% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 4,625 |
| Noncurrent loans to loans | 0.7796% | 5,478 |
| Net loans and leases to total assets | 55.3469% | 5,100 |
| Net loans and leases to deposits | 60.3435% | 5,689 |
| Net loans and leases to core deposits | 60.9515% | 6,018 |
| Total domestic deposits to total assets | 91.7198% | 364 |
| Equity capital to assets | 8.1859% | 6,299 |
| Core capital (leverage) ratio | 7.6584% | 6,591 |
| Tier 1 risk-based capital ratio | 12.4913% | 5,279 |
| Total risk-based capital ratio | 13.0822% | 5,834 |
| Memoranda: | ||
| Average total assets | $55,682,500 | 6,318 |
| Average earning assets | $51,099,000 | 6,300 |
| Average equity | $4,502,000 | 6,711 |
| Average total loans | $31,098,000 | 6,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 4,140 |
| Cost of funding earning assets | 1.0169% | 5,605 |
| Net interest margin | 4.0717% | 2,699 |
| Noninterest income to average assets | 0.6384% | 3,222 |
| Noninterest expense to average assets | 3.4210% | 2,377 |
| Loan and lease loss provision to assets | 0.1082% | 6,067 |
| Net operating income to assets | 0.8133% | 2,741 |
| Return on assets (ROA) | 0.9035% | 2,507 |
| Pretax return on assets | 0.9035% | 3,276 |
| Return on Equity (ROE) | 11.2211% | 1,521 |
| Retained earnings to average equity (ytd only) | 3.9419% | 3,104 |
| Net charge-offs to loans | 0.2711% | 4,668 |
| Credit loss provision to net charge-offs | 73.1707% | 5,786 |
| Earnings coverage of net charge-offs (x) | 6.2317% | 2,409 |
| Efficiency ratio | 78.7791% | 2,567 |
| Assets per employee ($millions) | 2.6278% | 6,808 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 6,996 |
| Loan loss allowance to noncurrent loans | 120.8955% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 4,836 |
| Noncurrent loans to loans | 0.6505% | 5,757 |
| Net loans and leases to total assets | 55.5515% | 5,411 |
| Net loans and leases to deposits | 60.4206% | 6,009 |
| Net loans and leases to core deposits | 62.4160% | 6,203 |
| Total domestic deposits to total assets | 91.9414% | 294 |
| Equity capital to assets | 7.9825% | 6,512 |
| Core capital (leverage) ratio | 7.4809% | 6,719 |
| Tier 1 risk-based capital ratio | 12.3348% | 5,176 |
| Total risk-based capital ratio | 13.0516% | 5,645 |
| Memoranda: | ||
| Average total assets | $55,451,000 | 6,355 |
| Average earning assets | $50,445,800 | 6,351 |
| Average equity | $4,464,800 | 6,827 |
| Average total loans | $30,247,600 | 6,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 4,295 |
| Cost of funding earning assets | 1.0439% | 5,720 |
| Net interest margin | 4.0595% | 2,813 |
| Noninterest income to average assets | 0.6364% | 3,215 |
| Noninterest expense to average assets | 3.4438% | 2,173 |
| Loan and lease loss provision to assets | 0.0720% | 6,339 |
| Net operating income to assets | 0.8093% | 2,959 |
| Return on assets (ROA) | 0.8117% | 3,098 |
| Pretax return on assets | 0.8117% | 3,861 |
| Return on Equity (ROE) | 10.0599% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.3394% | 2,183 |
| Net charge-offs to loans | 0.2083% | 4,695 |
| Credit loss provision to net charge-offs | 63.8298% | 5,593 |
| Earnings coverage of net charge-offs (x) | 7.8079% | 2,262 |
| Efficiency ratio | 79.6224% | 2,400 |
| Assets per employee ($millions) | 2.7200% | 6,746 |
| Cash dividends to net income (ytd only)* | 36.9813% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 6,967 |
| Loan loss allowance to noncurrent loans | 98.0237% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 4,933 |
| Noncurrent loans to loans | 0.8334% | 5,552 |
| Net loans and leases to total assets | 52.7163% | 6,011 |
| Net loans and leases to deposits | 57.4989% | 6,510 |
| Net loans and leases to core deposits | 59.3309% | 6,651 |
| Total domestic deposits to total assets | 91.6823% | 259 |
| Equity capital to assets | 8.1339% | 6,687 |
| Core capital (leverage) ratio | 7.5753% | 6,786 |
| Tier 1 risk-based capital ratio | 12.4616% | 5,018 |
| Total risk-based capital ratio | 13.1943% | 5,482 |
| Memoranda: | ||
| Average total assets | $55,518,000 | 6,430 |
| Average earning assets | $50,448,250 | 6,424 |
| Average equity | $4,479,750 | 6,915 |
| Average total loans | $30,085,000 | 6,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 4,362 |
| Cost of funding earning assets | 1.0900% | 5,734 |
| Net interest margin | 4.0273% | 2,890 |
| Noninterest income to average assets | 0.6547% | 2,984 |
| Noninterest expense to average assets | 3.3209% | 2,500 |
| Loan and lease loss provision to assets | 0.0546% | 6,410 |
| Net operating income to assets | 0.9348% | 2,421 |
| Return on assets (ROA) | 0.9348% | 2,511 |
| Pretax return on assets | 0.9348% | 3,360 |
| Return on Equity (ROE) | 11.6176% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.6176% | 548 |
| Net charge-offs to loans | 0.2667% | 4,007 |
| Credit loss provision to net charge-offs | 37.5000% | 5,643 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,402 |
| Efficiency ratio | 77.0464% | 2,890 |
| Assets per employee ($millions) | 2.4162% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 7,058 |
| Loan loss allowance to noncurrent loans | 112.6761% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 5,046 |
| Noncurrent loans to loans | 0.7007% | 5,839 |
| Net loans and leases to total assets | 54.2692% | 5,957 |
| Net loans and leases to deposits | 59.3319% | 6,474 |
| Net loans and leases to core deposits | 62.5083% | 6,510 |
| Total domestic deposits to total assets | 91.4671% | 338 |
| Equity capital to assets | 8.3854% | 6,319 |
| Core capital (leverage) ratio | 7.6754% | 6,642 |
| Tier 1 risk-based capital ratio | 12.7170% | 4,673 |
| Total risk-based capital ratio | 13.4330% | 5,117 |
| Memoranda: | ||
| Average total assets | $54,984,330 | 6,491 |
| Average earning assets | $49,909,000 | 6,476 |
| Average equity | $4,424,330 | 6,966 |
| Average total loans | $29,993,670 | 6,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 4,731 |
| Cost of funding earning assets | 1.0815% | 5,982 |
| Net interest margin | 3.9790% | 2,961 |
| Noninterest income to average assets | 0.6656% | 2,845 |
| Noninterest expense to average assets | 3.3278% | 2,442 |
| Loan and lease loss provision to assets | 0.1097% | 5,525 |
| Net operating income to assets | 0.8338% | 2,824 |
| Return on assets (ROA) | 0.8338% | 2,918 |
| Pretax return on assets | 0.8338% | 3,735 |
| Return on Equity (ROE) | 10.5886% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.5886% | 1,018 |
| Net charge-offs to loans | 0.5371% | 2,457 |
| Credit loss provision to net charge-offs | 37.5000% | 4,678 |
| Earnings coverage of net charge-offs (x) | 3.2250% | 2,977 |
| Efficiency ratio | 77.9110% | 2,914 |
| Assets per employee ($millions) | 2.5292% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 7,111 |
| Loan loss allowance to noncurrent loans | 142.8571% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 5,113 |
| Noncurrent loans to loans | 0.5643% | 6,170 |
| Net loans and leases to total assets | 53.0687% | 6,146 |
| Net loans and leases to deposits | 57.6682% | 6,641 |
| Net loans and leases to core deposits | 60.4087% | 6,716 |
| Total domestic deposits to total assets | 92.0242% | 233 |
| Equity capital to assets | 7.8824% | 6,776 |
| Core capital (leverage) ratio | 7.5662% | 6,776 |
| Tier 1 risk-based capital ratio | 12.2692% | 4,926 |
| Total risk-based capital ratio | 12.9839% | 5,410 |
| Memoranda: | ||
| Average total assets | $54,690,000 | 6,584 |
| Average earning assets | $49,560,500 | 6,567 |
| Average equity | $4,306,500 | 7,067 |
| Average total loans | $29,791,000 | 6,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6119% | 3,539 |
| Cost of funding earning assets | 1.5154% | 5,455 |
| Net interest margin | 4.0965% | 2,462 |
| Noninterest income to average assets | 0.6767% | 3,106 |
| Noninterest expense to average assets | 3.4629% | 2,480 |
| Loan and lease loss provision to assets | 0.1327% | 6,311 |
| Net operating income to assets | 0.7601% | 2,678 |
| Return on assets (ROA) | 0.8093% | 2,582 |
| Pretax return on assets | 0.8093% | 3,213 |
| Return on Equity (ROE) | 10.1032% | 1,661 |
| Retained earnings to average equity (ytd only) | 3.0049% | 3,061 |
| Net charge-offs to loans | 0.2163% | 5,271 |
| Credit loss provision to net charge-offs | 111.1111% | 4,944 |
| Earnings coverage of net charge-offs (x) | 7.4762% | 2,135 |
| Efficiency ratio | 79.5039% | 2,956 |
| Assets per employee ($millions) | 2.4426% | 7,291 |
| Cash dividends to net income (ytd only)* | 70.2576% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,868 |
| Loan loss allowance to noncurrent loans | 36.9081% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 1.9930% | 3,411 |
| Noncurrent loans to loans | 2.4083% | 3,147 |
| Net loans and leases to total assets | 54.9863% | 6,084 |
| Net loans and leases to deposits | 59.7219% | 6,651 |
| Net loans and leases to core deposits | 73.4678% | 6,566 |
| Total domestic deposits to total assets | 92.0706% | 255 |
| Equity capital to assets | 7.8661% | 6,704 |
| Core capital (leverage) ratio | 7.5205% | 6,767 |
| Tier 1 risk-based capital ratio | 12.1042% | 4,845 |
| Total risk-based capital ratio | 12.9049% | 5,198 |
| Memoranda: | ||
| Average total assets | $52,758,600 | 6,601 |
| Average earning assets | $47,381,400 | 6,620 |
| Average equity | $4,226,400 | 7,201 |
| Average total loans | $29,132,800 | 6,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 3,588 |
| Cost of funding earning assets | 1.5869% | 5,462 |
| Net interest margin | 4.0606% | 2,547 |
| Noninterest income to average assets | 0.6830% | 3,135 |
| Noninterest expense to average assets | 3.4174% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9166% | 2,360 |
| Return on assets (ROA) | 0.9724% | 2,210 |
| Pretax return on assets | 0.9724% | 2,983 |
| Return on Equity (ROE) | 12.0828% | 1,335 |
| Retained earnings to average equity (ytd only) | 8.1394% | 1,098 |
| Net charge-offs to loans | 0.2578% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.4468% | 2,606 |
| Efficiency ratio | 78.8518% | 3,018 |
| Assets per employee ($millions) | 2.3082% | 7,497 |
| Cash dividends to net income (ytd only)* | 32.6368% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 7,396 |
| Loan loss allowance to noncurrent loans | 85.9574% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 4,512 |
| Noncurrent loans to loans | 0.8033% | 5,695 |
| Net loans and leases to total assets | 54.7232% | 6,303 |
| Net loans and leases to deposits | 59.8246% | 6,837 |
| Net loans and leases to core deposits | 72.5031% | 6,814 |
| Total domestic deposits to total assets | 91.4728% | 263 |
| Equity capital to assets | 8.3614% | 6,428 |
| Core capital (leverage) ratio | 7.7722% | 6,641 |
| Tier 1 risk-based capital ratio | 12.7741% | 4,334 |
| Total risk-based capital ratio | 13.3980% | 4,791 |
| Memoranda: | ||
| Average total assets | $52,514,000 | 6,661 |
| Average earning assets | $47,217,250 | 6,679 |
| Average equity | $4,226,250 | 7,271 |
| Average total loans | $28,962,750 | 6,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 3,802 |
| Cost of funding earning assets | 1.6423% | 5,546 |
| Net interest margin | 4.0103% | 2,659 |
| Noninterest income to average assets | 0.6728% | 3,177 |
| Noninterest expense to average assets | 3.3905% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8945% | 2,475 |
| Return on assets (ROA) | 0.8945% | 2,585 |
| Pretax return on assets | 0.8945% | 3,360 |
| Return on Equity (ROE) | 11.2626% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.2626% | 528 |
| Net charge-offs to loans | 0.0554% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,014 |
| Efficiency ratio | 79.1258% | 3,173 |
| Assets per employee ($millions) | 2.3055% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 6,927 |
| Loan loss allowance to noncurrent loans | 128.2051% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 4,635 |
| Noncurrent loans to loans | 0.6732% | 5,902 |
| Net loans and leases to total assets | 54.1583% | 6,427 |
| Net loans and leases to deposits | 58.9995% | 6,965 |
| Net loans and leases to core deposits | 71.9713% | 6,899 |
| Total domestic deposits to total assets | 91.7946% | 247 |
| Equity capital to assets | 8.0413% | 6,704 |
| Core capital (leverage) ratio | 7.7004% | 6,757 |
| Tier 1 risk-based capital ratio | 12.8163% | 4,275 |
| Total risk-based capital ratio | 13.5953% | 4,567 |
| Memoranda: | ||
| Average total assets | $52,322,330 | 6,734 |
| Average earning assets | $47,128,670 | 6,748 |
| Average equity | $4,155,330 | 7,362 |
| Average total loans | $28,865,670 | 6,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 4,145 |
| Cost of funding earning assets | 1.6661% | 5,755 |
| Net interest margin | 3.9677% | 2,786 |
| Noninterest income to average assets | 0.6465% | 3,221 |
| Noninterest expense to average assets | 3.4866% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7158% | 3,473 |
| Return on assets (ROA) | 0.7158% | 3,673 |
| Pretax return on assets | 0.7158% | 4,375 |
| Return on Equity (ROE) | 9.0710% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.0710% | 1,455 |
| Net charge-offs to loans | 0.0694% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,459 |
| Efficiency ratio | 82.9670% | 2,412 |
| Assets per employee ($millions) | 2.4158% | 7,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 6,831 |
| Loan loss allowance to noncurrent loans | 197.6563% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 4,650 |
| Noncurrent loans to loans | 0.4446% | 6,314 |
| Net loans and leases to total assets | 53.6907% | 6,504 |
| Net loans and leases to deposits | 58.3550% | 7,009 |
| Net loans and leases to core deposits | 70.2279% | 7,006 |
| Total domestic deposits to total assets | 92.0071% | 186 |
| Equity capital to assets | 7.8575% | 6,997 |
| Core capital (leverage) ratio | 7.6829% | 6,909 |
| Tier 1 risk-based capital ratio | 12.4218% | 4,595 |
| Total risk-based capital ratio | 13.2130% | 4,894 |
| Memoranda: | ||
| Average total assets | $51,970,500 | 6,785 |
| Average earning assets | $46,576,500 | 6,818 |
| Average equity | $4,101,000 | 7,417 |
| Average total loans | $28,814,500 | 6,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5800% | 2,577 |
| Cost of funding earning assets | 2.1933% | 5,627 |
| Net interest margin | 4.3867% | 1,730 |
| Noninterest income to average assets | 0.7687% | 2,676 |
| Noninterest expense to average assets | 3.4807% | 2,454 |
| Loan and lease loss provision to assets | 0.1340% | 5,647 |
| Net operating income to assets | 1.0654% | 2,277 |
| Return on assets (ROA) | 1.0964% | 2,077 |
| Pretax return on assets | 1.0964% | 3,039 |
| Return on Equity (ROE) | 14.0503% | 1,095 |
| Retained earnings to average equity (ytd only) | 7.4477% | 1,000 |
| Net charge-offs to loans | 0.2751% | 3,567 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 7.4615% | 3,105 |
| Efficiency ratio | 74.3725% | 3,509 |
| Assets per employee ($millions) | 2.4188% | 7,368 |
| Cash dividends to net income (ytd only)* | 46.9925% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,706 |
| Loan loss allowance to noncurrent loans | 157.3171% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 3,982 |
| Noncurrent loans to loans | 0.5686% | 5,663 |
| Net loans and leases to total assets | 56.2724% | 6,403 |
| Net loans and leases to deposits | 61.1912% | 7,004 |
| Net loans and leases to core deposits | 69.4639% | 7,223 |
| Total domestic deposits to total assets | 91.9616% | 140 |
| Equity capital to assets | 7.9261% | 6,933 |
| Core capital (leverage) ratio | 7.6996% | 6,931 |
| Tier 1 risk-based capital ratio | 12.2424% | 4,638 |
| Total risk-based capital ratio | 13.0567% | 4,890 |
| Memoranda: | ||
| Average total assets | $48,524,600 | 6,839 |
| Average earning assets | $43,267,200 | 6,886 |
| Average equity | $3,786,400 | 7,581 |
| Average total loans | $28,348,200 | 6,814 |