Home > The Elkhart State Bank > Performance and Condition Ratios
The Elkhart State Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 5,105 |
| Cost of funding earning assets | 0.1589% | 5,855 |
| Net interest margin | 3.2840% | 4,282 |
| Noninterest income to average assets | 0.8976% | 1,391 |
| Noninterest expense to average assets | 5.4659% | 229 |
| Loan and lease loss provision to assets | 2.3374% | 24 |
| Net operating income to assets | -4.1505% | 6,399 |
| Return on assets (ROA) | -4.1505% | 6,400 |
| Pretax return on assets | -4.1505% | 6,400 |
| Return on Equity (ROE) | 615.4860% | 1 |
| Retained earnings to average equity (ytd only) | 615.4860% | 1 |
| Net charge-offs to loans | 14.6622% | 1 |
| Credit loss provision to net charge-offs | 71.0811% | 1,906 |
| Earnings coverage of net charge-offs (x) | -0.5514% | 3,151 |
| Efficiency ratio | 149.6350% | 50 |
| Assets per employee ($millions) | 2.8349% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 22.2061% | 1 |
| Loan loss allowance to noncurrent loans | 578.7172% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.7050% | 1,467 |
| Noncurrent loans to loans | 3.8371% | 464 |
| Net loans and leases to total assets | 16.3535% | 6,310 |
| Net loans and leases to deposits | 17.1015% | 6,336 |
| Net loans and leases to core deposits | 17.1015% | 6,333 |
| Total domestic deposits to total assets | 95.6259% | 11 |
| Equity capital to assets | -1.1782% | 6,419 |
| Core capital (leverage) ratio | 2.7934% | 6,405 |
| Tier 1 risk-based capital ratio | 8.3592% | 6,344 |
| Total risk-based capital ratio | 9.7348% | 6,340 |
| Memoranda: | ||
| Average total assets | $45,006,500 | 5,842 |
| Average earning assets | $37,759,000 | 5,929 |
| Average equity | $-303,500 | 6,419 |
| Average total loans | $10,094,000 | 6,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,469 |
| Cost of funding earning assets | 0.4915% | 2,754 |
| Net interest margin | 3.5714% | 3,512 |
| Noninterest income to average assets | 1.3882% | 633 |
| Noninterest expense to average assets | 4.7303% | 382 |
| Loan and lease loss provision to assets | 5.9430% | 2 |
| Net operating income to assets | -6.2373% | 6,500 |
| Return on assets (ROA) | -6.2178% | 6,500 |
| Pretax return on assets | -6.0707% | 6,501 |
| Return on Equity (ROE) | -126.4331% | 6,505 |
| Retained earnings to average equity (ytd only) | -126.5412% | 6,505 |
| Net charge-offs to loans | 12.8203% | 1 |
| Credit loss provision to net charge-offs | 171.0204% | 1,424 |
| Earnings coverage of net charge-offs (x) | -0.0423% | 4,719 |
| Efficiency ratio | 103.2108% | 305 |
| Assets per employee ($millions) | 2.7935% | 5,936 |
| Cash dividends to net income (ytd only)* | -0.0855% | 6,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.5883% | 2 |
| Loan loss allowance to noncurrent loans | 276.2219% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 1,164 |
| Noncurrent loans to loans | 6.7295% | 152 |
| Net loans and leases to total assets | 19.2841% | 6,376 |
| Net loans and leases to deposits | 20.2423% | 6,404 |
| Net loans and leases to core deposits | 20.2423% | 6,403 |
| Total domestic deposits to total assets | 95.2664% | 18 |
| Equity capital to assets | -0.2232% | 6,508 |
| Core capital (leverage) ratio | 3.3607% | 6,490 |
| Tier 1 risk-based capital ratio | 9.5922% | 6,342 |
| Total risk-based capital ratio | 10.9720% | 6,286 |
| Memoranda: | ||
| Average total assets | $56,402,200 | 5,643 |
| Average earning assets | $50,455,800 | 5,663 |
| Average equity | $2,773,800 | 6,310 |
| Average total loans | $15,288,200 | 6,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 3,031 |
| Cost of funding earning assets | 0.5734% | 2,076 |
| Net interest margin | 3.6152% | 3,368 |
| Noninterest income to average assets | 0.6208% | 2,743 |
| Noninterest expense to average assets | 4.6482% | 402 |
| Loan and lease loss provision to assets | 5.5146% | 5 |
| Net operating income to assets | -6.2446% | 6,583 |
| Return on assets (ROA) | -6.1628% | 6,583 |
| Pretax return on assets | -6.1628% | 6,583 |
| Return on Equity (ROE) | -103.4201% | 6,580 |
| Retained earnings to average equity (ytd only) | -103.5346% | 6,580 |
| Net charge-offs to loans | 9.7269% | 3 |
| Credit loss provision to net charge-offs | 203.9529% | 1,244 |
| Earnings coverage of net charge-offs (x) | -0.2700% | 4,481 |
| Efficiency ratio | 118.6303% | 137 |
| Assets per employee ($millions) | 2.9666% | 5,766 |
| Cash dividends to net income (ytd only)* | -0.1107% | 6,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0768% | 3 |
| Loan loss allowance to noncurrent loans | 362.3596% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4869% | 2,065 |
| Noncurrent loans to loans | 3.8848% | 565 |
| Net loans and leases to total assets | 22.1184% | 6,417 |
| Net loans and leases to deposits | 23.6869% | 6,452 |
| Net loans and leases to core deposits | 23.6869% | 6,456 |
| Total domestic deposits to total assets | 93.3782% | 58 |
| Equity capital to assets | 1.1892% | 6,583 |
| Core capital (leverage) ratio | 4.3179% | 6,547 |
| Tier 1 risk-based capital ratio | 10.7931% | 6,095 |
| Total risk-based capital ratio | 12.1300% | 6,003 |
| Memoranda: | ||
| Average total assets | $58,630,250 | 5,646 |
| Average earning assets | $53,476,500 | 5,650 |
| Average equity | $3,493,750 | 6,251 |
| Average total loans | $16,298,000 | 6,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,193 |
| Cost of funding earning assets | 0.6244% | 1,694 |
| Net interest margin | 3.5140% | 3,725 |
| Noninterest income to average assets | 0.6294% | 2,657 |
| Noninterest expense to average assets | 4.5516% | 425 |
| Loan and lease loss provision to assets | 2.4812% | 27 |
| Net operating income to assets | -3.2034% | 6,630 |
| Return on assets (ROA) | -3.2564% | 6,632 |
| Pretax return on assets | -3.2497% | 6,630 |
| Return on Equity (ROE) | -44.2129% | 6,631 |
| Retained earnings to average equity (ytd only) | -44.3478% | 6,619 |
| Net charge-offs to loans | 0.8864% | 412 |
| Credit loss provision to net charge-offs | 985.5263% | 340 |
| Earnings coverage of net charge-offs (x) | -2.8421% | 4,263 |
| Efficiency ratio | 118.6528% | 152 |
| Assets per employee ($millions) | 2.8691% | 5,937 |
| Cash dividends to net income (ytd only)* | -0.3052% | 6,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3001% | 16 |
| Loan loss allowance to noncurrent loans | 77.2088% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 3.3825% | 703 |
| Noncurrent loans to loans | 10.7502% | 65 |
| Net loans and leases to total assets | 25.1577% | 6,430 |
| Net loans and leases to deposits | 27.2523% | 6,472 |
| Net loans and leases to core deposits | 27.2523% | 6,481 |
| Total domestic deposits to total assets | 92.3139% | 134 |
| Equity capital to assets | 6.8313% | 6,466 |
| Core capital (leverage) ratio | 6.9652% | 6,437 |
| Tier 1 risk-based capital ratio | 14.7780% | 3,762 |
| Total risk-based capital ratio | 16.0703% | 3,680 |
| Memoranda: | ||
| Average total assets | $60,374,000 | 5,649 |
| Average earning assets | $55,094,670 | 5,657 |
| Average equity | $4,446,670 | 6,111 |
| Average total loans | $17,148,670 | 6,194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 2,667 |
| Cost of funding earning assets | 0.6660% | 1,467 |
| Net interest margin | 3.5933% | 3,272 |
| Noninterest income to average assets | 0.5891% | 2,797 |
| Noninterest expense to average assets | 4.0175% | 744 |
| Loan and lease loss provision to assets | 0.0397% | 3,282 |
| Net operating income to assets | -0.1980% | 6,353 |
| Return on assets (ROA) | -0.1919% | 6,354 |
| Pretax return on assets | -0.2118% | 6,352 |
| Return on Equity (ROE) | -2.5152% | 6,382 |
| Retained earnings to average equity (ytd only) | -2.5152% | 5,913 |
| Net charge-offs to loans | 1.0540% | 314 |
| Credit loss provision to net charge-offs | 13.0435% | 2,581 |
| Earnings coverage of net charge-offs (x) | -0.5870% | 3,488 |
| Efficiency ratio | 104.6552% | 355 |
| Assets per employee ($millions) | 2.8648% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8874% | 205 |
| Loan loss allowance to noncurrent loans | 45.1370% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.9421% | 982 |
| Noncurrent loans to loans | 8.6126% | 141 |
| Net loans and leases to total assets | 27.0823% | 6,442 |
| Net loans and leases to deposits | 29.5699% | 6,486 |
| Net loans and leases to core deposits | 29.5699% | 6,502 |
| Total domestic deposits to total assets | 91.5876% | 355 |
| Equity capital to assets | 7.5497% | 6,299 |
| Core capital (leverage) ratio | 8.2003% | 5,949 |
| Tier 1 risk-based capital ratio | 16.5989% | 2,848 |
| Total risk-based capital ratio | 17.8621% | 2,816 |
| Memoranda: | ||
| Average total assets | $60,435,000 | 5,699 |
| Average earning assets | $54,657,500 | 5,717 |
| Average equity | $4,612,000 | 6,094 |
| Average total loans | $17,458,000 | 6,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 622 |
| Cost of funding earning assets | 0.6561% | 2,158 |
| Net interest margin | 4.5549% | 661 |
| Noninterest income to average assets | 0.6673% | 2,722 |
| Noninterest expense to average assets | 4.5567% | 500 |
| Loan and lease loss provision to assets | 2.2887% | 37 |
| Net operating income to assets | -1.9496% | 6,711 |
| Return on assets (ROA) | -1.9240% | 6,706 |
| Pretax return on assets | -2.2127% | 6,723 |
| Return on Equity (ROE) | -19.5229% | 6,683 |
| Retained earnings to average equity (ytd only) | -19.6983% | 6,666 |
| Net charge-offs to loans | 5.1429% | 21 |
| Credit loss provision to net charge-offs | 126.0952% | 1,879 |
| Earnings coverage of net charge-offs (x) | 0.0257% | 5,087 |
| Efficiency ratio | 98.9861% | 511 |
| Assets per employee ($millions) | 2.7595% | 6,156 |
| Cash dividends to net income (ytd only)* | -0.8985% | 6,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8911% | 218 |
| Loan loss allowance to noncurrent loans | 43.1481% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 3.1791% | 969 |
| Noncurrent loans to loans | 9.0180% | 143 |
| Net loans and leases to total assets | 28.4389% | 6,511 |
| Net loans and leases to deposits | 30.9520% | 6,563 |
| Net loans and leases to core deposits | 30.9520% | 6,585 |
| Total domestic deposits to total assets | 91.8809% | 308 |
| Equity capital to assets | 7.7122% | 6,180 |
| Core capital (leverage) ratio | 8.8593% | 5,201 |
| Tier 1 risk-based capital ratio | 17.0429% | 2,590 |
| Total risk-based capital ratio | 18.3048% | 2,555 |
| Memoranda: | ||
| Average total assets | $57,848,600 | 5,810 |
| Average earning assets | $49,990,200 | 5,891 |
| Average equity | $5,701,000 | 5,881 |
| Average total loans | $20,416,400 | 6,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 505 |
| Cost of funding earning assets | 0.6502% | 2,357 |
| Net interest margin | 4.6786% | 535 |
| Noninterest income to average assets | 0.7071% | 2,567 |
| Noninterest expense to average assets | 4.5623% | 488 |
| Loan and lease loss provision to assets | 1.3489% | 96 |
| Net operating income to assets | -0.5435% | 6,618 |
| Return on assets (ROA) | -0.5181% | 6,617 |
| Pretax return on assets | -1.1342% | 6,714 |
| Return on Equity (ROE) | -4.9698% | 6,600 |
| Retained earnings to average equity (ytd only) | -4.9698% | 6,492 |
| Net charge-offs to loans | 2.8911% | 80 |
| Credit loss provision to net charge-offs | 126.7544% | 1,858 |
| Earnings coverage of net charge-offs (x) | 0.1645% | 4,806 |
| Efficiency ratio | 96.3054% | 607 |
| Assets per employee ($millions) | 2.5003% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7796% | 687 |
| Loan loss allowance to noncurrent loans | 31.3467% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 3.4187% | 1,000 |
| Noncurrent loans to loans | 8.8673% | 180 |
| Net loans and leases to total assets | 33.2690% | 6,396 |
| Net loans and leases to deposits | 37.0703% | 6,470 |
| Net loans and leases to core deposits | 37.0703% | 6,528 |
| Total domestic deposits to total assets | 89.7456% | 1,142 |
| Equity capital to assets | 9.8336% | 4,127 |
| Core capital (leverage) ratio | 10.8571% | 2,608 |
| Tier 1 risk-based capital ratio | 19.6707% | 1,822 |
| Total risk-based capital ratio | 20.9264% | 1,780 |
| Memoranda: | ||
| Average total assets | $57,133,500 | 5,902 |
| Average earning assets | $49,215,500 | 5,981 |
| Average equity | $5,955,750 | 5,906 |
| Average total loans | $21,029,500 | 6,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 410 |
| Cost of funding earning assets | 0.6316% | 2,669 |
| Net interest margin | 4.8157% | 424 |
| Noninterest income to average assets | 0.7297% | 2,506 |
| Noninterest expense to average assets | 4.8764% | 394 |
| Loan and lease loss provision to assets | 1.9050% | 58 |
| Net operating income to assets | -1.1226% | 6,772 |
| Return on assets (ROA) | -1.1226% | 6,774 |
| Pretax return on assets | -1.8523% | 6,833 |
| Return on Equity (ROE) | -10.5680% | 6,749 |
| Retained earnings to average equity (ytd only) | -10.5680% | 6,677 |
| Net charge-offs to loans | 3.7803% | 64 |
| Credit loss provision to net charge-offs | 133.7438% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.0369% | 4,536 |
| Efficiency ratio | 98.9324% | 527 |
| Assets per employee ($millions) | 2.4427% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6654% | 818 |
| Loan loss allowance to noncurrent loans | 34.8203% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.2662% | 1,210 |
| Noncurrent loans to loans | 7.6547% | 281 |
| Net loans and leases to total assets | 36.5295% | 6,264 |
| Net loans and leases to deposits | 40.6034% | 6,384 |
| Net loans and leases to core deposits | 40.6034% | 6,444 |
| Total domestic deposits to total assets | 89.9665% | 1,044 |
| Equity capital to assets | 9.5920% | 4,461 |
| Core capital (leverage) ratio | 10.6615% | 2,705 |
| Tier 1 risk-based capital ratio | 18.4583% | 2,157 |
| Total risk-based capital ratio | 19.7135% | 2,117 |
| Memoranda: | ||
| Average total assets | $57,009,000 | 5,944 |
| Average earning assets | $49,712,330 | 6,005 |
| Average equity | $6,056,000 | 5,917 |
| Average total loans | $21,479,670 | 6,237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 270 |
| Cost of funding earning assets | 0.6228% | 2,899 |
| Net interest margin | 5.0859% | 246 |
| Noninterest income to average assets | 0.8011% | 2,116 |
| Noninterest expense to average assets | 4.4373% | 565 |
| Loan and lease loss provision to assets | 2.7237% | 33 |
| Net operating income to assets | -1.5464% | 6,887 |
| Return on assets (ROA) | -1.5464% | 6,891 |
| Pretax return on assets | -1.9226% | 6,914 |
| Return on Equity (ROE) | -13.8978% | 6,856 |
| Retained earnings to average equity (ytd only) | -13.8978% | 6,724 |
| Net charge-offs to loans | 0.7381% | 825 |
| Credit loss provision to net charge-offs | 977.5000% | 327 |
| Earnings coverage of net charge-offs (x) | 2.8750% | 2,911 |
| Efficiency ratio | 84.7074% | 1,680 |
| Assets per employee ($millions) | 2.4982% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7726% | 337 |
| Loan loss allowance to noncurrent loans | 95.0178% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5524% | 2,935 |
| Noncurrent loans to loans | 3.9704% | 1,142 |
| Net loans and leases to total assets | 35.5581% | 6,327 |
| Net loans and leases to deposits | 40.0380% | 6,413 |
| Net loans and leases to core deposits | 40.0380% | 6,481 |
| Total domestic deposits to total assets | 88.8110% | 1,790 |
| Equity capital to assets | 10.7296% | 3,281 |
| Core capital (leverage) ratio | 10.6332% | 2,616 |
| Tier 1 risk-based capital ratio | 19.0027% | 2,041 |
| Total risk-based capital ratio | 20.2674% | 2,011 |
| Memoranda: | ||
| Average total assets | $57,422,500 | 5,980 |
| Average earning assets | $50,099,500 | 6,050 |
| Average equity | $6,389,500 | 5,890 |
| Average total loans | $21,677,000 | 6,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3375% | 158 |
| Cost of funding earning assets | 0.5659% | 4,681 |
| Net interest margin | 5.7716% | 110 |
| Noninterest income to average assets | 0.8393% | 2,084 |
| Noninterest expense to average assets | 4.5165% | 567 |
| Loan and lease loss provision to assets | 0.6636% | 801 |
| Net operating income to assets | 0.4809% | 4,760 |
| Return on assets (ROA) | 0.8451% | 3,325 |
| Pretax return on assets | 0.9798% | 3,620 |
| Return on Equity (ROE) | 6.5430% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,481 |
| Net charge-offs to loans | 1.8330% | 434 |
| Credit loss provision to net charge-offs | 89.0052% | 3,513 |
| Earnings coverage of net charge-offs (x) | 1.6361% | 4,628 |
| Efficiency ratio | 78.7343% | 2,321 |
| Assets per employee ($millions) | 2.3911% | 6,713 |
| Cash dividends to net income (ytd only)* | 18.4758% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 2,228 |
| Loan loss allowance to noncurrent loans | 34.3296% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2427% | 2,186 |
| Noncurrent loans to loans | 5.5962% | 654 |
| Net loans and leases to total assets | 37.8082% | 6,321 |
| Net loans and leases to deposits | 43.0564% | 6,424 |
| Net loans and leases to core deposits | 43.0564% | 6,500 |
| Total domestic deposits to total assets | 87.8108% | 2,340 |
| Equity capital to assets | 11.5253% | 2,420 |
| Core capital (leverage) ratio | 11.2781% | 2,029 |
| Tier 1 risk-based capital ratio | 19.6286% | 1,777 |
| Total risk-based capital ratio | 20.8779% | 1,746 |
| Memoranda: | ||
| Average total assets | $51,234,200 | 6,174 |
| Average earning assets | $43,471,600 | 6,252 |
| Average equity | $6,617,800 | 5,867 |
| Average total loans | $20,840,000 | 6,384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5535% | 133 |
| Cost of funding earning assets | 0.5586% | 5,010 |
| Net interest margin | 5.9949% | 91 |
| Noninterest income to average assets | 0.8505% | 2,032 |
| Noninterest expense to average assets | 4.4375% | 578 |
| Loan and lease loss provision to assets | 0.2012% | 3,070 |
| Net operating income to assets | 0.9997% | 2,501 |
| Return on assets (ROA) | 1.1563% | 2,076 |
| Pretax return on assets | 1.4461% | 2,093 |
| Return on Equity (ROE) | 8.6822% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.8764% | 1,672 |
| Net charge-offs to loans | 0.1819% | 3,658 |
| Credit loss provision to net charge-offs | 267.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 19.3228% | 1,504 |
| Efficiency ratio | 75.3531% | 2,769 |
| Assets per employee ($millions) | 2.2718% | 6,877 |
| Cash dividends to net income (ytd only)* | 9.2804% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3555% | 1,426 |
| Loan loss allowance to noncurrent loans | 52.4490% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8689% | 2,832 |
| Noncurrent loans to loans | 4.4911% | 1,048 |
| Net loans and leases to total assets | 39.0782% | 6,344 |
| Net loans and leases to deposits | 45.2762% | 6,437 |
| Net loans and leases to core deposits | 45.2762% | 6,549 |
| Total domestic deposits to total assets | 86.3106% | 3,083 |
| Equity capital to assets | 12.6073% | 1,820 |
| Core capital (leverage) ratio | 12.4291% | 1,438 |
| Tier 1 risk-based capital ratio | 19.5576% | 1,867 |
| Total risk-based capital ratio | 20.8103% | 1,835 |
| Memoranda: | ||
| Average total assets | $49,696,000 | 6,292 |
| Average earning assets | $41,768,000 | 6,388 |
| Average equity | $6,618,750 | 5,933 |
| Average total loans | $20,519,500 | 6,488 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6457% | 123 |
| Cost of funding earning assets | 0.5580% | 5,246 |
| Net interest margin | 6.0877% | 84 |
| Noninterest income to average assets | 0.8609% | 1,926 |
| Noninterest expense to average assets | 4.8371% | 418 |
| Loan and lease loss provision to assets | 0.2080% | 2,996 |
| Net operating income to assets | 0.8795% | 3,001 |
| Return on assets (ROA) | 1.1770% | 1,995 |
| Pretax return on assets | 1.2020% | 2,915 |
| Return on Equity (ROE) | 8.6628% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.4384% | 1,907 |
| Net charge-offs to loans | 0.2290% | 3,201 |
| Credit loss provision to net charge-offs | 217.3913% | 1,304 |
| Earnings coverage of net charge-offs (x) | 11.5652% | 1,950 |
| Efficiency ratio | 81.3856% | 1,979 |
| Assets per employee ($millions) | 2.1080% | 7,013 |
| Cash dividends to net income (ytd only)* | 14.1343% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3339% | 1,530 |
| Loan loss allowance to noncurrent loans | 49.3014% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 2,712 |
| Noncurrent loans to loans | 4.7340% | 1,085 |
| Net loans and leases to total assets | 40.8594% | 6,285 |
| Net loans and leases to deposits | 47.6226% | 6,335 |
| Net loans and leases to core deposits | 47.6226% | 6,487 |
| Total domestic deposits to total assets | 85.7984% | 3,457 |
| Equity capital to assets | 13.1303% | 1,459 |
| Core capital (leverage) ratio | 12.6766% | 1,276 |
| Tier 1 risk-based capital ratio | 20.3993% | 1,604 |
| Total risk-based capital ratio | 21.6553% | 1,578 |
| Memoranda: | ||
| Average total assets | $48,086,670 | 6,379 |
| Average earning assets | $40,146,330 | 6,472 |
| Average equity | $6,533,670 | 5,976 |
| Average total loans | $20,085,670 | 6,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6720% | 135 |
| Cost of funding earning assets | 0.5637% | 5,402 |
| Net interest margin | 6.1083% | 93 |
| Noninterest income to average assets | 0.8541% | 1,929 |
| Noninterest expense to average assets | 5.2441% | 315 |
| Loan and lease loss provision to assets | 0.2135% | 2,816 |
| Net operating income to assets | 0.6406% | 4,168 |
| Return on assets (ROA) | 1.1786% | 1,987 |
| Pretax return on assets | 1.0249% | 3,589 |
| Return on Equity (ROE) | 8.5198% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.0503% | 2,929 |
| Net charge-offs to loans | 0.3070% | 2,432 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 5.4667% | 2,365 |
| Efficiency ratio | 88.2184% | 1,265 |
| Assets per employee ($millions) | 2.1110% | 7,084 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 1,471 |
| Loan loss allowance to noncurrent loans | 55.3882% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 3,105 |
| Noncurrent loans to loans | 4.3674% | 1,359 |
| Net loans and leases to total assets | 39.7141% | 6,370 |
| Net loans and leases to deposits | 46.3476% | 6,402 |
| Net loans and leases to core deposits | 46.3476% | 6,545 |
| Total domestic deposits to total assets | 85.6875% | 3,692 |
| Equity capital to assets | 13.3239% | 1,305 |
| Core capital (leverage) ratio | 12.8798% | 1,172 |
| Tier 1 risk-based capital ratio | 21.2054% | 1,451 |
| Total risk-based capital ratio | 22.4622% | 1,422 |
| Memoranda: | ||
| Average total assets | $46,833,500 | 6,464 |
| Average earning assets | $39,029,000 | 6,561 |
| Average equity | $6,479,000 | 6,018 |
| Average total loans | $19,545,500 | 6,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1866% | 82 |
| Cost of funding earning assets | 0.5007% | 6,533 |
| Net interest margin | 6.6859% | 61 |
| Noninterest income to average assets | 1.1392% | 1,010 |
| Noninterest expense to average assets | 5.6671% | 244 |
| Loan and lease loss provision to assets | 0.1088% | 5,233 |
| Net operating income to assets | 0.8844% | 2,671 |
| Return on assets (ROA) | 0.9941% | 2,362 |
| Pretax return on assets | 1.1779% | 2,540 |
| Return on Equity (ROE) | 6.6451% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.6451% | 1,673 |
| Net charge-offs to loans | 0.1769% | 4,734 |
| Credit loss provision to net charge-offs | 136.3636% | 2,191 |
| Earnings coverage of net charge-offs (x) | 14.4848% | 1,455 |
| Efficiency ratio | 83.0557% | 1,878 |
| Assets per employee ($millions) | 1.9615% | 7,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4158% | 1,438 |
| Loan loss allowance to noncurrent loans | 58.2294% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.8686% | 3,156 |
| Noncurrent loans to loans | 4.1488% | 1,485 |
| Net loans and leases to total assets | 41.8131% | 6,400 |
| Net loans and leases to deposits | 49.5625% | 6,391 |
| Net loans and leases to core deposits | 49.5625% | 6,551 |
| Total domestic deposits to total assets | 84.3644% | 4,156 |
| Equity capital to assets | 14.3832% | 940 |
| Core capital (leverage) ratio | 13.6312% | 917 |
| Tier 1 risk-based capital ratio | 21.5629% | 1,309 |
| Total risk-based capital ratio | 22.8186% | 1,274 |
| Memoranda: | ||
| Average total assets | $41,343,600 | 6,623 |
| Average earning assets | $35,148,800 | 6,708 |
| Average equity | $6,185,000 | 6,108 |
| Average total loans | $18,659,600 | 6,724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1721% | 86 |
| Cost of funding earning assets | 0.4879% | 6,754 |
| Net interest margin | 6.6842% | 60 |
| Noninterest income to average assets | 1.1419% | 1,012 |
| Noninterest expense to average assets | 5.2638% | 296 |
| Loan and lease loss provision to assets | 0.1485% | 4,590 |
| Net operating income to assets | 1.1481% | 1,821 |
| Return on assets (ROA) | 1.2871% | 1,512 |
| Pretax return on assets | 1.6501% | 1,258 |
| Return on Equity (ROE) | 8.5119% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.5119% | 1,309 |
| Net charge-offs to loans | 0.1659% | 4,462 |
| Credit loss provision to net charge-offs | 195.6522% | 1,496 |
| Earnings coverage of net charge-offs (x) | 21.3450% | 1,185 |
| Efficiency ratio | 76.4621% | 2,773 |
| Assets per employee ($millions) | 1.8777% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4591% | 1,453 |
| Loan loss allowance to noncurrent loans | 54.9539% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 2,964 |
| Noncurrent loans to loans | 4.4749% | 1,441 |
| Net loans and leases to total assets | 43.8095% | 6,350 |
| Net loans and leases to deposits | 52.4245% | 6,333 |
| Net loans and leases to core deposits | 52.4245% | 6,543 |
| Total domestic deposits to total assets | 83.5668% | 4,450 |
| Equity capital to assets | 15.0138% | 847 |
| Core capital (leverage) ratio | 14.6109% | 745 |
| Tier 1 risk-based capital ratio | 21.9088% | 1,306 |
| Total risk-based capital ratio | 23.1636% | 1,279 |
| Memoranda: | ||
| Average total assets | $40,400,750 | 6,717 |
| Average earning assets | $34,707,750 | 6,788 |
| Average equity | $6,109,000 | 6,175 |
| Average total loans | $18,491,750 | 6,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0695% | 98 |
| Cost of funding earning assets | 0.4779% | 6,921 |
| Net interest margin | 6.5916% | 67 |
| Noninterest income to average assets | 1.1502% | 973 |
| Noninterest expense to average assets | 5.4570% | 269 |
| Loan and lease loss provision to assets | 0.1267% | 4,707 |
| Net operating income to assets | 1.0428% | 2,058 |
| Return on assets (ROA) | 1.0792% | 2,034 |
| Pretax return on assets | 1.3427% | 1,989 |
| Return on Equity (ROE) | 7.1190% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.1190% | 1,822 |
| Net charge-offs to loans | 0.1649% | 4,185 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 18.7333% | 1,244 |
| Efficiency ratio | 79.3078% | 2,504 |
| Assets per employee ($millions) | 1.8360% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4774% | 1,476 |
| Loan loss allowance to noncurrent loans | 98.0973% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 4,228 |
| Noncurrent loans to loans | 2.5255% | 2,862 |
| Net loans and leases to total assets | 45.2194% | 6,334 |
| Net loans and leases to deposits | 54.1859% | 6,294 |
| Net loans and leases to core deposits | 54.1859% | 6,548 |
| Total domestic deposits to total assets | 83.4522% | 4,561 |
| Equity capital to assets | 15.3446% | 732 |
| Core capital (leverage) ratio | 14.6346% | 739 |
| Tier 1 risk-based capital ratio | 22.1401% | 1,234 |
| Total risk-based capital ratio | 23.3972% | 1,203 |
| Memoranda: | ||
| Average total assets | $39,472,000 | 6,808 |
| Average earning assets | $34,316,330 | 6,857 |
| Average equity | $5,984,000 | 6,235 |
| Average total loans | $18,190,000 | 6,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8032% | 137 |
| Cost of funding earning assets | 0.4834% | 7,032 |
| Net interest margin | 6.3198% | 77 |
| Noninterest income to average assets | 1.1279% | 1,029 |
| Noninterest expense to average assets | 5.5880% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8947% | 2,591 |
| Return on assets (ROA) | 0.9741% | 2,333 |
| Pretax return on assets | 1.1279% | 2,655 |
| Return on Equity (ROE) | 6.4659% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.4659% | 2,387 |
| Net charge-offs to loans | -0.4464% | 7,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3653% | 1,914 |
| Assets per employee ($millions) | 1.7959% | 7,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5961% | 1,319 |
| Loan loss allowance to noncurrent loans | 84.8214% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.5895% | 3,866 |
| Noncurrent loans to loans | 3.0606% | 2,455 |
| Net loans and leases to total assets | 45.1087% | 6,370 |
| Net loans and leases to deposits | 53.7536% | 6,309 |
| Net loans and leases to core deposits | 53.7536% | 6,570 |
| Total domestic deposits to total assets | 83.9176% | 4,520 |
| Equity capital to assets | 15.0523% | 751 |
| Core capital (leverage) ratio | 14.5251% | 736 |
| Tier 1 risk-based capital ratio | 22.7878% | 1,114 |
| Total risk-based capital ratio | 24.0445% | 1,094 |
| Memoranda: | ||
| Average total assets | $39,012,000 | 6,869 |
| Average earning assets | $33,925,000 | 6,923 |
| Average equity | $5,877,000 | 6,287 |
| Average total loans | $17,920,500 | 6,944 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1974% | 114 |
| Cost of funding earning assets | 0.4581% | 7,355 |
| Net interest margin | 6.7393% | 59 |
| Noninterest income to average assets | 1.4380% | 695 |
| Noninterest expense to average assets | 5.8967% | 244 |
| Loan and lease loss provision to assets | 0.6675% | 2,477 |
| Net operating income to assets | 0.7037% | 3,217 |
| Return on assets (ROA) | 1.0013% | 2,139 |
| Pretax return on assets | 1.1487% | 2,400 |
| Return on Equity (ROE) | 6.1752% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.4890% | 2,119 |
| Net charge-offs to loans | 1.3925% | 1,600 |
| Credit loss provision to net charge-offs | 108.1081% | 4,092 |
| Earnings coverage of net charge-offs (x) | 2.3874% | 3,943 |
| Efficiency ratio | 80.0000% | 2,418 |
| Assets per employee ($millions) | 1.8340% | 7,479 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5935% | 1,297 |
| Loan loss allowance to noncurrent loans | 91.5493% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 4,121 |
| Noncurrent loans to loans | 2.8329% | 2,686 |
| Net loans and leases to total assets | 44.3697% | 6,684 |
| Net loans and leases to deposits | 52.9612% | 6,675 |
| Net loans and leases to core deposits | 52.9612% | 6,860 |
| Total domestic deposits to total assets | 83.7777% | 4,461 |
| Equity capital to assets | 15.0772% | 764 |
| Core capital (leverage) ratio | 14.5553% | 740 |
| Tier 1 risk-based capital ratio | 25.3257% | 818 |
| Total risk-based capital ratio | 26.5831% | 795 |
| Memoranda: | ||
| Average total assets | $35,952,600 | 7,012 |
| Average earning assets | $31,650,200 | 7,031 |
| Average equity | $5,829,800 | 6,418 |
| Average total loans | $15,942,600 | 7,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1015% | 130 |
| Cost of funding earning assets | 0.4481% | 7,519 |
| Net interest margin | 6.6534% | 62 |
| Noninterest income to average assets | 1.4763% | 624 |
| Noninterest expense to average assets | 5.8260% | 233 |
| Loan and lease loss provision to assets | 0.5097% | 2,907 |
| Net operating income to assets | 0.8283% | 2,883 |
| Return on assets (ROA) | 1.2045% | 1,665 |
| Pretax return on assets | 1.4914% | 1,645 |
| Return on Equity (ROE) | 7.2885% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.2885% | 1,706 |
| Net charge-offs to loans | 1.4755% | 1,367 |
| Credit loss provision to net charge-offs | 78.4884% | 5,184 |
| Earnings coverage of net charge-offs (x) | 2.3662% | 3,994 |
| Efficiency ratio | 79.1282% | 2,470 |
| Assets per employee ($millions) | 1.7764% | 7,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3931% | 1,486 |
| Loan loss allowance to noncurrent loans | 76.4818% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 4,062 |
| Noncurrent loans to loans | 3.1289% | 2,549 |
| Net loans and leases to total assets | 43.7341% | 6,861 |
| Net loans and leases to deposits | 53.2735% | 6,818 |
| Net loans and leases to core deposits | 53.2735% | 6,993 |
| Total domestic deposits to total assets | 82.0936% | 4,953 |
| Equity capital to assets | 16.3329% | 612 |
| Core capital (leverage) ratio | 15.5190% | 632 |
| Tier 1 risk-based capital ratio | 27.4398% | 666 |
| Total risk-based capital ratio | 27.6849% | 723 |
| Memoranda: | ||
| Average total assets | $35,312,000 | 7,116 |
| Average earning assets | $31,241,500 | 7,129 |
| Average equity | $5,835,500 | 6,503 |
| Average total loans | $15,542,250 | 7,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0591% | 142 |
| Cost of funding earning assets | 0.4485% | 7,607 |
| Net interest margin | 6.6105% | 64 |
| Noninterest income to average assets | 1.4316% | 619 |
| Noninterest expense to average assets | 6.1072% | 215 |
| Loan and lease loss provision to assets | 0.5484% | 2,589 |
| Net operating income to assets | 0.5408% | 4,140 |
| Return on assets (ROA) | 1.1372% | 1,798 |
| Pretax return on assets | 1.3565% | 1,929 |
| Return on Equity (ROE) | 6.8526% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.8526% | 1,903 |
| Net charge-offs to loans | 1.8876% | 981 |
| Credit loss provision to net charge-offs | 66.4336% | 5,066 |
| Earnings coverage of net charge-offs (x) | 1.4476% | 4,402 |
| Efficiency ratio | 83.6364% | 1,964 |
| Assets per employee ($millions) | 1.7744% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4863% | 1,321 |
| Loan loss allowance to noncurrent loans | 96.2871% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 4,473 |
| Noncurrent loans to loans | 2.5821% | 3,053 |
| Net loans and leases to total assets | 42.9920% | 6,986 |
| Net loans and leases to deposits | 52.2840% | 6,961 |
| Net loans and leases to core deposits | 52.2840% | 7,124 |
| Total domestic deposits to total assets | 82.2278% | 4,895 |
| Equity capital to assets | 16.4168% | 609 |
| Core capital (leverage) ratio | 15.3872% | 649 |
| Tier 1 risk-based capital ratio | 28.0375% | 627 |
| Total risk-based capital ratio | 29.2970% | 610 |
| Memoranda: | ||
| Average total assets | $34,647,670 | 7,188 |
| Average earning assets | $30,769,000 | 7,201 |
| Average equity | $5,749,670 | 6,545 |
| Average total loans | $15,151,330 | 7,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1051% | 147 |
| Cost of funding earning assets | 0.4342% | 7,748 |
| Net interest margin | 6.6709% | 70 |
| Noninterest income to average assets | 1.4374% | 583 |
| Noninterest expense to average assets | 5.8666% | 232 |
| Loan and lease loss provision to assets | 0.5843% | 2,166 |
| Net operating income to assets | 0.7136% | 3,376 |
| Return on assets (ROA) | 1.8348% | 506 |
| Pretax return on assets | 2.3490% | 325 |
| Return on Equity (ROE) | 10.9954% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.9954% | 924 |
| Net charge-offs to loans | -0.1610% | 7,630 |
| Credit loss provision to net charge-offs | -833.3333% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6825% | 2,617 |
| Assets per employee ($millions) | 1.6523% | 7,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2840% | 642 |
| Loan loss allowance to noncurrent loans | 123.5589% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 4,470 |
| Noncurrent loans to loans | 2.6579% | 3,017 |
| Net loans and leases to total assets | 41.8439% | 7,136 |
| Net loans and leases to deposits | 50.9260% | 7,087 |
| Net loans and leases to core deposits | 50.9260% | 7,247 |
| Total domestic deposits to total assets | 82.1661% | 5,002 |
| Equity capital to assets | 16.5139% | 601 |
| Core capital (leverage) ratio | 15.7201% | 623 |
| Tier 1 risk-based capital ratio | 23.7276% | 990 |
| Total risk-based capital ratio | 24.9891% | 967 |
| Memoranda: | ||
| Average total assets | $34,227,500 | 7,294 |
| Average earning assets | $30,400,500 | 7,305 |
| Average equity | $5,711,500 | 6,614 |
| Average total loans | $14,904,000 | 7,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8157% | 371 |
| Cost of funding earning assets | 0.4049% | 7,873 |
| Net interest margin | 6.4108% | 79 |
| Noninterest income to average assets | 1.5739% | 579 |
| Noninterest expense to average assets | 6.1872% | 289 |
| Loan and lease loss provision to assets | 0.5578% | 3,584 |
| Net operating income to assets | 0.5096% | 3,687 |
| Return on assets (ROA) | 0.7840% | 2,681 |
| Pretax return on assets | 0.8593% | 3,056 |
| Return on Equity (ROE) | 4.6700% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.1312% | 2,324 |
| Net charge-offs to loans | 0.7635% | 2,915 |
| Credit loss provision to net charge-offs | 181.3725% | 2,281 |
| Earnings coverage of net charge-offs (x) | 3.6275% | 3,269 |
| Efficiency ratio | 84.7234% | 2,269 |
| Assets per employee ($millions) | 1.6075% | 7,879 |
| Cash dividends to net income (ytd only)* | 11.5385% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 805 |
| Loan loss allowance to noncurrent loans | 99.0930% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.5315% | 4,083 |
| Noncurrent loans to loans | 2.9805% | 2,579 |
| Net loans and leases to total assets | 42.5364% | 7,221 |
| Net loans and leases to deposits | 52.0820% | 7,152 |
| Net loans and leases to core deposits | 52.0820% | 7,522 |
| Total domestic deposits to total assets | 81.6719% | 5,073 |
| Equity capital to assets | 16.8647% | 570 |
| Core capital (leverage) ratio | 15.6211% | 677 |
| Tier 1 risk-based capital ratio | 24.1105% | 937 |
| Total risk-based capital ratio | 25.3711% | 913 |
| Memoranda: | ||
| Average total assets | $33,165,200 | 7,357 |
| Average earning assets | $29,637,600 | 7,371 |
| Average equity | $5,567,400 | 6,754 |
| Average total loans | $13,360,000 | 7,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7508% | 462 |
| Cost of funding earning assets | 0.3976% | 7,974 |
| Net interest margin | 6.3532% | 81 |
| Noninterest income to average assets | 1.5184% | 642 |
| Noninterest expense to average assets | 6.2632% | 279 |
| Loan and lease loss provision to assets | 0.4442% | 3,684 |
| Net operating income to assets | 0.3998% | 4,402 |
| Return on assets (ROA) | 0.7309% | 3,158 |
| Pretax return on assets | 0.8924% | 3,253 |
| Return on Equity (ROE) | 4.3593% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.3593% | 2,837 |
| Net charge-offs to loans | 0.8512% | 2,263 |
| Credit loss provision to net charge-offs | 132.5301% | 3,775 |
| Earnings coverage of net charge-offs (x) | 2.7832% | 3,828 |
| Efficiency ratio | 87.0370% | 1,959 |
| Assets per employee ($millions) | 1.6084% | 7,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6786% | 898 |
| Loan loss allowance to noncurrent loans | 132.2917% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 4,917 |
| Noncurrent loans to loans | 2.0247% | 3,606 |
| Net loans and leases to total assets | 40.9847% | 7,412 |
| Net loans and leases to deposits | 50.4060% | 7,391 |
| Net loans and leases to core deposits | 50.4060% | 7,676 |
| Total domestic deposits to total assets | 81.3092% | 4,961 |
| Equity capital to assets | 17.0032% | 633 |
| Core capital (leverage) ratio | 15.6119% | 741 |
| Tier 1 risk-based capital ratio | 28.8791% | 627 |
| Total risk-based capital ratio | 30.1380% | 612 |
| Memoranda: | ||
| Average total assets | $33,017,250 | 7,425 |
| Average earning assets | $29,506,750 | 7,439 |
| Average equity | $5,536,000 | 6,833 |
| Average total loans | $13,001,000 | 7,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5759% | 691 |
| Cost of funding earning assets | 0.3900% | 8,076 |
| Net interest margin | 6.1858% | 97 |
| Noninterest income to average assets | 1.4406% | 722 |
| Noninterest expense to average assets | 6.5498% | 263 |
| Loan and lease loss provision to assets | 0.4273% | 3,411 |
| Net operating income to assets | -0.0166% | 5,877 |
| Return on assets (ROA) | 0.4883% | 4,252 |
| Pretax return on assets | 0.5555% | 4,454 |
| Return on Equity (ROE) | 2.9267% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.9267% | 3,701 |
| Net charge-offs to loans | 1.1911% | 1,536 |
| Credit loss provision to net charge-offs | 93.3333% | 4,821 |
| Earnings coverage of net charge-offs (x) | 0.8933% | 4,863 |
| Efficiency ratio | 94.1228% | 1,486 |
| Assets per employee ($millions) | 1.6097% | 8,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6229% | 801 |
| Loan loss allowance to noncurrent loans | 229.6053% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 5,713 |
| Noncurrent loans to loans | 1.1423% | 4,931 |
| Net loans and leases to total assets | 38.3298% | 7,629 |
| Net loans and leases to deposits | 46.4375% | 7,620 |
| Net loans and leases to core deposits | 46.4375% | 7,827 |
| Total domestic deposits to total assets | 82.5405% | 4,454 |
| Equity capital to assets | 16.0218% | 819 |
| Core capital (leverage) ratio | 15.1993% | 876 |
| Tier 1 risk-based capital ratio | 28.8600% | 671 |
| Total risk-based capital ratio | 30.1204% | 655 |
| Memoranda: | ||
| Average total assets | $32,764,330 | 7,494 |
| Average earning assets | $29,228,000 | 7,520 |
| Average equity | $5,467,000 | 6,911 |
| Average total loans | $12,593,330 | 7,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4918% | 883 |
| Cost of funding earning assets | 0.3786% | 8,141 |
| Net interest margin | 6.1132% | 98 |
| Noninterest income to average assets | 1.3522% | 788 |
| Noninterest expense to average assets | 6.3391% | 259 |
| Loan and lease loss provision to assets | 0.2481% | 3,987 |
| Net operating income to assets | 0.1303% | 5,885 |
| Return on assets (ROA) | 1.0048% | 2,431 |
| Pretax return on assets | 1.3398% | 2,150 |
| Return on Equity (ROE) | 5.8990% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8990% | 2,676 |
| Net charge-offs to loans | -0.6211% | 8,125 |
| Credit loss provision to net charge-offs | -105.2632% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7615% | 1,447 |
| Assets per employee ($millions) | 1.5619% | 8,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1799% | 412 |
| Loan loss allowance to noncurrent loans | 135.9862% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 4,425 |
| Noncurrent loans to loans | 2.3384% | 2,812 |
| Net loans and leases to total assets | 36.4817% | 7,715 |
| Net loans and leases to deposits | 44.5711% | 7,705 |
| Net loans and leases to core deposits | 44.5711% | 7,895 |
| Total domestic deposits to total assets | 81.8506% | 4,612 |
| Equity capital to assets | 16.6829% | 771 |
| Core capital (leverage) ratio | 15.8923% | 797 |
| Tier 1 risk-based capital ratio | 30.4565% | 603 |
| Total risk-based capital ratio | 31.7208% | 591 |
| Memoranda: | ||
| Average total assets | $32,244,500 | 7,556 |
| Average earning assets | $28,528,500 | 7,593 |
| Average equity | $5,492,500 | 6,950 |
| Average total loans | $12,237,000 | 7,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5505% | 2,718 |
| Cost of funding earning assets | 0.3821% | 8,206 |
| Net interest margin | 6.1683% | 94 |
| Noninterest income to average assets | 1.6786% | 488 |
| Noninterest expense to average assets | 6.5804% | 327 |
| Loan and lease loss provision to assets | 0.0798% | 6,400 |
| Net operating income to assets | 0.3511% | 5,349 |
| Return on assets (ROA) | 0.5585% | 4,344 |
| Pretax return on assets | 0.7627% | 4,206 |
| Return on Equity (ROE) | 3.4525% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.0579% | 3,258 |
| Net charge-offs to loans | 0.2219% | 4,009 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,215 |
| Efficiency ratio | 92.1770% | 1,373 |
| Assets per employee ($millions) | 1.5845% | 8,141 |
| Cash dividends to net income (ytd only)* | 11.4286% | 4,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9220% | 471 |
| Loan loss allowance to noncurrent loans | 272.3077% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,213 |
| Noncurrent loans to loans | 1.0730% | 4,421 |
| Net loans and leases to total assets | 37.1138% | 7,792 |
| Net loans and leases to deposits | 45.8393% | 7,787 |
| Net loans and leases to core deposits | 45.8393% | 7,970 |
| Total domestic deposits to total assets | 80.9650% | 4,653 |
| Equity capital to assets | 17.3972% | 730 |
| Core capital (leverage) ratio | 16.1822% | 799 |
| Tier 1 risk-based capital ratio | 30.1235% | 640 |
| Total risk-based capital ratio | 31.3824% | 615 |
| Memoranda: | ||
| Average total assets | $31,335,600 | 7,588 |
| Average earning assets | $27,738,400 | 7,632 |
| Average equity | $5,068,800 | 7,119 |
| Average total loans | $11,264,400 | 7,875 |