Home > The Eudora Bank > Performance and Condition Ratios
The Eudora Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 5,522 |
| Cost of funding earning assets | 0.4667% | 4,097 |
| Net interest margin | 3.1047% | 5,307 |
| Noninterest income to average assets | 0.4162% | 4,400 |
| Noninterest expense to average assets | 3.0154% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2028% | 5,907 |
| Return on assets (ROA) | 0.3764% | 5,486 |
| Pretax return on assets | 0.5358% | 5,250 |
| Return on Equity (ROE) | 4.0446% | 5,205 |
| Retained earnings to average equity (ytd only) | 4.0446% | 3,818 |
| Net charge-offs to loans | 0.0945% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.2883% | 2,505 |
| Efficiency ratio | 91.2869% | 900 |
| Assets per employee ($millions) | 3.8126% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 918 |
| Loan loss allowance to noncurrent loans | 259.7701% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 4,211 |
| Noncurrent loans to loans | 0.9674% | 3,878 |
| Net loans and leases to total assets | 28.7433% | 6,573 |
| Net loans and leases to deposits | 31.4162% | 6,630 |
| Net loans and leases to core deposits | 34.0400% | 6,610 |
| Total domestic deposits to total assets | 91.4921% | 372 |
| Equity capital to assets | 8.2424% | 5,963 |
| Core capital (leverage) ratio | 9.2249% | 4,794 |
| Tier 1 risk-based capital ratio | 14.0815% | 4,369 |
| Total risk-based capital ratio | 15.2396% | 4,390 |
| Memoranda: | ||
| Average total assets | $30,111,500 | 6,584 |
| Average earning assets | $27,999,500 | 6,562 |
| Average equity | $2,802,000 | 6,645 |
| Average total loans | $9,868,500 | 6,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 5,533 |
| Cost of funding earning assets | 0.4638% | 4,273 |
| Net interest margin | 3.1037% | 5,264 |
| Noninterest income to average assets | 0.4136% | 4,420 |
| Noninterest expense to average assets | 3.0285% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1900% | 5,931 |
| Return on assets (ROA) | 0.4403% | 5,227 |
| Pretax return on assets | 0.6604% | 4,811 |
| Return on Equity (ROE) | 4.5549% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.5549% | 3,370 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3481% | 949 |
| Assets per employee ($millions) | 3.7663% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 1,508 |
| Loan loss allowance to noncurrent loans | 250.5376% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 4,255 |
| Noncurrent loans to loans | 0.8625% | 4,199 |
| Net loans and leases to total assets | 35.0116% | 6,360 |
| Net loans and leases to deposits | 42.7639% | 6,293 |
| Net loans and leases to core deposits | 45.8234% | 6,240 |
| Total domestic deposits to total assets | 81.8719% | 5,093 |
| Equity capital to assets | 8.6326% | 5,633 |
| Core capital (leverage) ratio | 9.3489% | 4,473 |
| Tier 1 risk-based capital ratio | 14.7669% | 3,928 |
| Total risk-based capital ratio | 16.0028% | 3,906 |
| Memoranda: | ||
| Average total assets | $29,981,670 | 6,635 |
| Average earning assets | $28,031,000 | 6,610 |
| Average equity | $2,898,000 | 6,678 |
| Average total loans | $10,160,330 | 6,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 5,718 |
| Cost of funding earning assets | 0.4527% | 4,565 |
| Net interest margin | 3.0416% | 5,459 |
| Noninterest income to average assets | 0.4146% | 4,349 |
| Noninterest expense to average assets | 2.9023% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2715% | 5,659 |
| Return on assets (ROA) | 0.2809% | 5,751 |
| Pretax return on assets | 0.4012% | 5,553 |
| Return on Equity (ROE) | 2.7573% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.7573% | 4,633 |
| Net charge-offs to loans | 0.0406% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 974 |
| Efficiency ratio | 88.2114% | 1,309 |
| Assets per employee ($millions) | 3.6570% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 1,080 |
| Loan loss allowance to noncurrent loans | 293.6709% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 4,145 |
| Noncurrent loans to loans | 0.8599% | 4,401 |
| Net loans and leases to total assets | 30.6091% | 6,580 |
| Net loans and leases to deposits | 34.2814% | 6,628 |
| Net loans and leases to core deposits | 35.8515% | 6,626 |
| Total domestic deposits to total assets | 89.2877% | 1,496 |
| Equity capital to assets | 10.3705% | 3,707 |
| Core capital (leverage) ratio | 9.8354% | 3,615 |
| Tier 1 risk-based capital ratio | 17.4249% | 2,591 |
| Total risk-based capital ratio | 18.6780% | 2,550 |
| Memoranda: | ||
| Average total assets | $29,907,500 | 6,707 |
| Average earning assets | $28,274,500 | 6,666 |
| Average equity | $3,046,500 | 6,712 |
| Average total loans | $9,849,500 | 6,777 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 5,606 |
| Cost of funding earning assets | 0.5113% | 5,140 |
| Net interest margin | 3.3768% | 4,971 |
| Noninterest income to average assets | 0.4114% | 4,517 |
| Noninterest expense to average assets | 2.9206% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4206% | 5,004 |
| Return on assets (ROA) | 0.5329% | 4,819 |
| Pretax return on assets | 0.8735% | 4,015 |
| Return on Equity (ROE) | 5.1282% | 4,619 |
| Retained earnings to average equity (ytd only) | 0.8114% | 5,458 |
| Net charge-offs to loans | 0.0484% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 778 |
| Efficiency ratio | 80.7083% | 2,050 |
| Assets per employee ($millions) | 5.0932% | 2,108 |
| Cash dividends to net income (ytd only)* | 84.1772% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2165% | 1,534 |
| Loan loss allowance to noncurrent loans | 183.4646% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 4,002 |
| Noncurrent loans to loans | 1.2081% | 3,837 |
| Net loans and leases to total assets | 33.6366% | 6,562 |
| Net loans and leases to deposits | 41.6778% | 6,475 |
| Net loans and leases to core deposits | 43.6216% | 6,483 |
| Total domestic deposits to total assets | 80.7062% | 5,482 |
| Equity capital to assets | 10.0101% | 4,150 |
| Core capital (leverage) ratio | 9.8799% | 3,570 |
| Tier 1 risk-based capital ratio | 17.5292% | 2,447 |
| Total risk-based capital ratio | 18.7808% | 2,420 |
| Memoranda: | ||
| Average total assets | $29,651,400 | 6,762 |
| Average earning assets | $28,162,800 | 6,713 |
| Average equity | $3,081,000 | 6,770 |
| Average total loans | $10,333,200 | 6,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 5,622 |
| Cost of funding earning assets | 0.5242% | 5,281 |
| Net interest margin | 3.4406% | 4,874 |
| Noninterest income to average assets | 0.4214% | 4,468 |
| Noninterest expense to average assets | 2.8955% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5686% | 4,528 |
| Return on assets (ROA) | 0.6072% | 4,618 |
| Pretax return on assets | 0.8519% | 4,296 |
| Return on Equity (ROE) | 5.7884% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.7884% | 2,846 |
| Net charge-offs to loans | 0.0778% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 29.3325% | 1,118 |
| Efficiency ratio | 78.4049% | 2,338 |
| Assets per employee ($millions) | 3.6195% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5881% | 1,096 |
| Loan loss allowance to noncurrent loans | 67.8363% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 3,934 |
| Noncurrent loans to loans | 3.8153% | 1,382 |
| Net loans and leases to total assets | 30.1561% | 6,812 |
| Net loans and leases to deposits | 34.2633% | 6,859 |
| Net loans and leases to core deposits | 35.8045% | 6,861 |
| Total domestic deposits to total assets | 88.0128% | 2,038 |
| Equity capital to assets | 11.2516% | 2,976 |
| Core capital (leverage) ratio | 10.7175% | 2,682 |
| Tier 1 risk-based capital ratio | 20.6224% | 1,614 |
| Total risk-based capital ratio | 21.8780% | 1,582 |
| Memoranda: | ||
| Average total assets | $29,424,500 | 6,854 |
| Average earning assets | $27,978,750 | 6,805 |
| Average equity | $3,086,500 | 6,855 |
| Average total loans | $10,288,500 | 6,929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 5,339 |
| Cost of funding earning assets | 0.5439% | 5,341 |
| Net interest margin | 3.5497% | 4,465 |
| Noninterest income to average assets | 0.4462% | 4,323 |
| Noninterest expense to average assets | 2.8870% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6309% | 4,221 |
| Return on assets (ROA) | 0.6356% | 4,439 |
| Pretax return on assets | 0.9195% | 4,006 |
| Return on Equity (ROE) | 6.2060% | 4,208 |
| Retained earnings to average equity (ytd only) | 6.2060% | 2,564 |
| Net charge-offs to loans | 0.0746% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 993 |
| Efficiency ratio | 75.9786% | 2,746 |
| Assets per employee ($millions) | 3.9789% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 1,757 |
| Loan loss allowance to noncurrent loans | 79.0541% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 4,256 |
| Noncurrent loans to loans | 2.7867% | 2,150 |
| Net loans and leases to total assets | 37.2971% | 6,532 |
| Net loans and leases to deposits | 42.4121% | 6,628 |
| Net loans and leases to core deposits | 44.3951% | 6,648 |
| Total domestic deposits to total assets | 87.9398% | 2,183 |
| Equity capital to assets | 11.2990% | 2,790 |
| Core capital (leverage) ratio | 10.3298% | 3,012 |
| Tier 1 risk-based capital ratio | 19.7340% | 1,777 |
| Total risk-based capital ratio | 20.9847% | 1,741 |
| Memoranda: | ||
| Average total assets | $29,580,670 | 6,899 |
| Average earning assets | $27,945,670 | 6,852 |
| Average equity | $3,029,330 | 6,907 |
| Average total loans | $10,730,000 | 6,973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 5,605 |
| Cost of funding earning assets | 0.5567% | 5,452 |
| Net interest margin | 3.4931% | 4,740 |
| Noninterest income to average assets | 0.4730% | 4,119 |
| Noninterest expense to average assets | 2.8116% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6610% | 4,076 |
| Return on assets (ROA) | 0.6701% | 4,244 |
| Pretax return on assets | 0.9722% | 3,788 |
| Return on Equity (ROE) | 6.8675% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.8675% | 2,492 |
| Net charge-offs to loans | 0.0371% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 459 |
| Efficiency ratio | 74.5645% | 3,011 |
| Assets per employee ($millions) | 4.3631% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 1,660 |
| Loan loss allowance to noncurrent loans | 58.9552% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 3,928 |
| Noncurrent loans to loans | 3.9162% | 1,570 |
| Net loans and leases to total assets | 32.8335% | 6,787 |
| Net loans and leases to deposits | 40.3038% | 6,723 |
| Net loans and leases to core deposits | 41.7155% | 6,762 |
| Total domestic deposits to total assets | 81.4649% | 5,474 |
| Equity capital to assets | 9.7636% | 4,435 |
| Core capital (leverage) ratio | 9.8614% | 3,552 |
| Tier 1 risk-based capital ratio | 19.1979% | 1,934 |
| Total risk-based capital ratio | 20.4520% | 1,900 |
| Memoranda: | ||
| Average total assets | $30,445,000 | 6,936 |
| Average earning assets | $28,742,500 | 6,888 |
| Average equity | $2,970,500 | 6,967 |
| Average total loans | $10,784,000 | 7,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 5,817 |
| Cost of funding earning assets | 0.8302% | 4,626 |
| Net interest margin | 3.4511% | 5,326 |
| Noninterest income to average assets | 0.4467% | 4,243 |
| Noninterest expense to average assets | 3.3290% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2104% | 5,561 |
| Return on assets (ROA) | 0.2250% | 5,649 |
| Pretax return on assets | 0.4206% | 5,226 |
| Return on Equity (ROE) | 2.4376% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.9185% | 5,433 |
| Net charge-offs to loans | -0.0086% | 6,874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3263% | 1,243 |
| Assets per employee ($millions) | 3.7935% | 4,330 |
| Cash dividends to net income (ytd only)* | 62.3188% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,986 |
| Loan loss allowance to noncurrent loans | 161.9048% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 5,761 |
| Noncurrent loans to loans | 1.3005% | 4,201 |
| Net loans and leases to total assets | 36.4604% | 6,735 |
| Net loans and leases to deposits | 43.0813% | 6,755 |
| Net loans and leases to core deposits | 43.6610% | 6,826 |
| Total domestic deposits to total assets | 84.6316% | 4,031 |
| Equity capital to assets | 9.7502% | 4,511 |
| Core capital (leverage) ratio | 9.9566% | 3,390 |
| Tier 1 risk-based capital ratio | 17.9479% | 2,207 |
| Total risk-based capital ratio | 19.2033% | 2,182 |
| Memoranda: | ||
| Average total assets | $30,669,600 | 6,949 |
| Average earning assets | $29,150,200 | 6,896 |
| Average equity | $2,830,600 | 7,049 |
| Average total loans | $11,582,800 | 7,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 5,587 |
| Cost of funding earning assets | 0.8957% | 4,430 |
| Net interest margin | 3.5102% | 5,146 |
| Noninterest income to average assets | 0.4553% | 4,256 |
| Noninterest expense to average assets | 3.3257% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4106% | 4,948 |
| Return on assets (ROA) | 0.4293% | 5,053 |
| Pretax return on assets | 0.4986% | 5,166 |
| Return on Equity (ROE) | 4.7168% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.7168% | 3,363 |
| Net charge-offs to loans | -0.0572% | 7,075 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4572% | 1,394 |
| Assets per employee ($millions) | 2.8605% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4938% | 1,407 |
| Loan loss allowance to noncurrent loans | 151.2500% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 5,713 |
| Noncurrent loans to loans | 1.6488% | 3,822 |
| Net loans and leases to total assets | 33.0781% | 6,994 |
| Net loans and leases to deposits | 37.1510% | 7,057 |
| Net loans and leases to core deposits | 37.6552% | 7,087 |
| Total domestic deposits to total assets | 89.0369% | 1,415 |
| Equity capital to assets | 10.6625% | 3,501 |
| Core capital (leverage) ratio | 10.2259% | 3,166 |
| Tier 1 risk-based capital ratio | 17.0290% | 2,637 |
| Total risk-based capital ratio | 18.2827% | 2,594 |
| Memoranda: | ||
| Average total assets | $30,750,000 | 7,015 |
| Average earning assets | $29,323,250 | 6,954 |
| Average equity | $2,798,500 | 7,122 |
| Average total loans | $11,652,750 | 7,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 5,537 |
| Cost of funding earning assets | 0.9796% | 4,094 |
| Net interest margin | 3.4651% | 5,304 |
| Noninterest income to average assets | 0.4386% | 4,355 |
| Noninterest expense to average assets | 3.2989% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3717% | 5,075 |
| Return on assets (ROA) | 0.3877% | 5,143 |
| Pretax return on assets | 0.4640% | 5,182 |
| Return on Equity (ROE) | 4.4941% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.4941% | 3,333 |
| Net charge-offs to loans | -0.0813% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1154% | 1,405 |
| Assets per employee ($millions) | 2.6377% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0160% | 2,323 |
| Loan loss allowance to noncurrent loans | 97.5806% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 5,162 |
| Noncurrent loans to loans | 2.0660% | 3,388 |
| Net loans and leases to total assets | 40.5377% | 6,702 |
| Net loans and leases to deposits | 45.1568% | 6,871 |
| Net loans and leases to core deposits | 46.2070% | 6,925 |
| Total domestic deposits to total assets | 89.7708% | 1,085 |
| Equity capital to assets | 9.8914% | 4,282 |
| Core capital (leverage) ratio | 9.4265% | 4,067 |
| Tier 1 risk-based capital ratio | 18.6610% | 1,945 |
| Total risk-based capital ratio | 19.9175% | 1,910 |
| Memoranda: | ||
| Average total assets | $31,465,000 | 7,059 |
| Average earning assets | $30,013,330 | 6,995 |
| Average equity | $2,714,670 | 7,200 |
| Average total loans | $12,302,330 | 7,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 5,646 |
| Cost of funding earning assets | 1.0392% | 3,923 |
| Net interest margin | 3.3741% | 5,528 |
| Noninterest income to average assets | 0.4283% | 4,469 |
| Noninterest expense to average assets | 3.0835% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4160% | 4,876 |
| Return on assets (ROA) | 0.4160% | 4,969 |
| Pretax return on assets | 0.5629% | 4,823 |
| Return on Equity (ROE) | 5.1574% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.1574% | 3,086 |
| Net charge-offs to loans | -0.1606% | 7,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5638% | 1,889 |
| Assets per employee ($millions) | 3.1287% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 2,400 |
| Loan loss allowance to noncurrent loans | 123.4694% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 5,702 |
| Noncurrent loans to loans | 1.6264% | 4,039 |
| Net loans and leases to total assets | 37.7441% | 6,917 |
| Net loans and leases to deposits | 41.3104% | 7,049 |
| Net loans and leases to core deposits | 43.5307% | 7,052 |
| Total domestic deposits to total assets | 91.3670% | 456 |
| Equity capital to assets | 8.4029% | 6,046 |
| Core capital (leverage) ratio | 8.4009% | 5,624 |
| Tier 1 risk-based capital ratio | 16.8726% | 2,525 |
| Total risk-based capital ratio | 18.1268% | 2,490 |
| Memoranda: | ||
| Average total assets | $32,690,000 | 7,081 |
| Average earning assets | $31,179,000 | 7,011 |
| Average equity | $2,637,000 | 7,259 |
| Average total loans | $12,451,500 | 7,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 4,920 |
| Cost of funding earning assets | 1.3040% | 3,861 |
| Net interest margin | 3.6163% | 4,736 |
| Noninterest income to average assets | 0.4541% | 4,487 |
| Noninterest expense to average assets | 3.6955% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1622% | 5,398 |
| Return on assets (ROA) | 0.1692% | 5,537 |
| Pretax return on assets | 0.2167% | 5,450 |
| Return on Equity (ROE) | 1.9542% | 5,397 |
| Retained earnings to average equity (ytd only) | 0.3428% | 5,410 |
| Net charge-offs to loans | 0.2548% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,239 |
| Efficiency ratio | 94.6768% | 1,026 |
| Assets per employee ($millions) | 2.8411% | 6,454 |
| Cash dividends to net income (ytd only)* | 82.4561% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,707 |
| Loan loss allowance to noncurrent loans | 7,900.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,236 |
| Noncurrent loans to loans | 0.0233% | 7,081 |
| Net loans and leases to total assets | 37.0017% | 7,113 |
| Net loans and leases to deposits | 40.8768% | 7,222 |
| Net loans and leases to core deposits | 45.2491% | 7,165 |
| Total domestic deposits to total assets | 90.5200% | 822 |
| Equity capital to assets | 7.7582% | 6,702 |
| Core capital (leverage) ratio | 8.0308% | 6,152 |
| Tier 1 risk-based capital ratio | 15.7611% | 2,862 |
| Total risk-based capital ratio | 17.0105% | 2,826 |
| Memoranda: | ||
| Average total assets | $33,689,800 | 7,091 |
| Average earning assets | $32,132,000 | 7,013 |
| Average equity | $2,916,800 | 7,299 |
| Average total loans | $13,737,400 | 7,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 4,587 |
| Cost of funding earning assets | 1.3408% | 3,968 |
| Net interest margin | 3.7101% | 4,355 |
| Noninterest income to average assets | 0.4644% | 4,457 |
| Noninterest expense to average assets | 3.0644% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8103% | 2,957 |
| Return on assets (ROA) | 0.8137% | 3,086 |
| Pretax return on assets | 0.9408% | 3,406 |
| Return on Equity (ROE) | 9.1576% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.1576% | 1,004 |
| Net charge-offs to loans | 0.2101% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 10.7283% | 1,861 |
| Efficiency ratio | 76.5873% | 2,836 |
| Assets per employee ($millions) | 3.1100% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,571 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 7,270 |
| Noncurrent loans to loans | 0.0898% | 7,007 |
| Net loans and leases to total assets | 38.3484% | 7,170 |
| Net loans and leases to deposits | 42.5141% | 7,287 |
| Net loans and leases to core deposits | 46.2507% | 7,261 |
| Total domestic deposits to total assets | 90.2017% | 774 |
| Equity capital to assets | 9.3189% | 5,106 |
| Core capital (leverage) ratio | 9.2067% | 4,357 |
| Tier 1 risk-based capital ratio | 15.8550% | 2,835 |
| Total risk-based capital ratio | 17.1049% | 2,781 |
| Memoranda: | ||
| Average total assets | $33,589,000 | 7,179 |
| Average earning assets | $32,019,500 | 7,098 |
| Average equity | $2,984,750 | 7,374 |
| Average total loans | $13,958,750 | 7,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 4,464 |
| Cost of funding earning assets | 1.3785% | 4,015 |
| Net interest margin | 3.7200% | 4,270 |
| Noninterest income to average assets | 0.4793% | 4,294 |
| Noninterest expense to average assets | 3.0555% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8038% | 2,955 |
| Return on assets (ROA) | 0.8088% | 3,077 |
| Pretax return on assets | 0.9706% | 3,235 |
| Return on Equity (ROE) | 9.2561% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.2561% | 1,028 |
| Net charge-offs to loans | 0.1413% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,419 |
| Efficiency ratio | 76.0060% | 3,078 |
| Assets per employee ($millions) | 2.9468% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 2,868 |
| Loan loss allowance to noncurrent loans | 2,911.1111% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 7,333 |
| Noncurrent loans to loans | 0.0603% | 7,166 |
| Net loans and leases to total assets | 45.2106% | 6,835 |
| Net loans and leases to deposits | 50.2193% | 7,059 |
| Net loans and leases to core deposits | 53.9322% | 7,037 |
| Total domestic deposits to total assets | 90.0262% | 910 |
| Equity capital to assets | 9.5265% | 4,666 |
| Core capital (leverage) ratio | 9.0666% | 4,499 |
| Tier 1 risk-based capital ratio | 15.5230% | 2,883 |
| Total risk-based capital ratio | 16.7758% | 2,851 |
| Memoranda: | ||
| Average total assets | $33,382,000 | 7,238 |
| Average earning assets | $31,774,330 | 7,168 |
| Average equity | $2,917,000 | 7,442 |
| Average total loans | $14,155,330 | 7,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 4,804 |
| Cost of funding earning assets | 1.3885% | 4,255 |
| Net interest margin | 3.6572% | 4,450 |
| Noninterest income to average assets | 0.4843% | 4,163 |
| Noninterest expense to average assets | 3.0001% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7772% | 3,073 |
| Return on assets (ROA) | 0.7677% | 3,235 |
| Pretax return on assets | 0.9567% | 3,246 |
| Return on Equity (ROE) | 9.1824% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.1824% | 1,351 |
| Net charge-offs to loans | 0.2323% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,759 |
| Efficiency ratio | 75.5952% | 3,291 |
| Assets per employee ($millions) | 2.7352% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 2,210 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 7,351 |
| Noncurrent loans to loans | 0.1358% | 7,064 |
| Net loans and leases to total assets | 39.5649% | 7,276 |
| Net loans and leases to deposits | 43.5392% | 7,419 |
| Net loans and leases to core deposits | 46.6300% | 7,409 |
| Total domestic deposits to total assets | 90.8720% | 597 |
| Equity capital to assets | 8.8386% | 5,483 |
| Core capital (leverage) ratio | 8.6214% | 5,172 |
| Tier 1 risk-based capital ratio | 16.8248% | 2,334 |
| Total risk-based capital ratio | 18.0803% | 2,285 |
| Memoranda: | ||
| Average total assets | $33,865,500 | 7,314 |
| Average earning assets | $32,265,000 | 7,235 |
| Average equity | $2,831,500 | 7,544 |
| Average total loans | $13,774,500 | 7,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6105% | 3,551 |
| Cost of funding earning assets | 1.6981% | 4,523 |
| Net interest margin | 3.9124% | 3,217 |
| Noninterest income to average assets | 0.4790% | 4,580 |
| Noninterest expense to average assets | 3.2517% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7485% | 2,729 |
| Return on assets (ROA) | 0.6484% | 3,199 |
| Pretax return on assets | 0.7852% | 3,294 |
| Return on Equity (ROE) | 7.2856% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.0502% | 3,669 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2132% | 3,158 |
| Assets per employee ($millions) | 3.1735% | 5,784 |
| Cash dividends to net income (ytd only)* | 71.8593% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,236.3636% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,339 |
| Noncurrent loans to loans | 0.1539% | 7,044 |
| Net loans and leases to total assets | 40.1816% | 7,341 |
| Net loans and leases to deposits | 44.9958% | 7,479 |
| Net loans and leases to core deposits | 66.2119% | 6,970 |
| Total domestic deposits to total assets | 89.3008% | 1,330 |
| Equity capital to assets | 7.9120% | 6,662 |
| Core capital (leverage) ratio | 8.5761% | 5,144 |
| Tier 1 risk-based capital ratio | 14.8741% | 3,016 |
| Total risk-based capital ratio | 16.1251% | 2,959 |
| Memoranda: | ||
| Average total assets | $30,691,400 | 7,451 |
| Average earning assets | $28,856,600 | 7,399 |
| Average equity | $2,731,400 | 7,664 |
| Average total loans | $13,763,600 | 7,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8540% | 2,652 |
| Cost of funding earning assets | 1.7610% | 4,583 |
| Net interest margin | 4.0930% | 2,427 |
| Noninterest income to average assets | 0.4724% | 4,730 |
| Noninterest expense to average assets | 3.2931% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8658% | 2,554 |
| Return on assets (ROA) | 0.7243% | 3,189 |
| Pretax return on assets | 0.8503% | 3,376 |
| Return on Equity (ROE) | 7.8810% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.8810% | 1,169 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4092% | 3,432 |
| Assets per employee ($millions) | 2.8204% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 2,018 |
| Loan loss allowance to noncurrent loans | 485.7143% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 7,083 |
| Noncurrent loans to loans | 0.3919% | 6,559 |
| Net loans and leases to total assets | 45.1779% | 7,163 |
| Net loans and leases to deposits | 50.0500% | 7,408 |
| Net loans and leases to core deposits | 73.4283% | 6,760 |
| Total domestic deposits to total assets | 90.2656% | 677 |
| Equity capital to assets | 9.4733% | 4,775 |
| Core capital (leverage) ratio | 9.7274% | 3,609 |
| Tier 1 risk-based capital ratio | 15.7257% | 2,728 |
| Total risk-based capital ratio | 16.9797% | 2,660 |
| Memoranda: | ||
| Average total assets | $29,637,000 | 7,552 |
| Average earning assets | $27,786,500 | 7,505 |
| Average equity | $2,723,750 | 7,740 |
| Average total loans | $13,629,750 | 7,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 2,631 |
| Cost of funding earning assets | 1.8235% | 4,646 |
| Net interest margin | 4.0662% | 2,445 |
| Noninterest income to average assets | 0.4524% | 4,828 |
| Noninterest expense to average assets | 3.2837% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9503% | 2,279 |
| Return on assets (ROA) | 0.6924% | 3,401 |
| Pretax return on assets | 0.6992% | 3,993 |
| Return on Equity (ROE) | 7.6169% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.6169% | 1,347 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3829% | 3,443 |
| Assets per employee ($millions) | 2.4664% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 1,931 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,635 |
| Noncurrent loans to loans | 0.0136% | 7,522 |
| Net loans and leases to total assets | 48.9104% | 6,964 |
| Net loans and leases to deposits | 56.1869% | 7,156 |
| Net loans and leases to core deposits | 78.6226% | 6,507 |
| Total domestic deposits to total assets | 87.0494% | 2,233 |
| Equity capital to assets | 9.1496% | 5,099 |
| Core capital (leverage) ratio | 9.6535% | 3,697 |
| Tier 1 risk-based capital ratio | 15.0255% | 3,009 |
| Total risk-based capital ratio | 16.2758% | 2,945 |
| Memoranda: | ||
| Average total assets | $29,174,670 | 7,639 |
| Average earning assets | $27,200,000 | 7,591 |
| Average equity | $2,652,000 | 7,838 |
| Average total loans | $13,410,330 | 7,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8534% | 3,025 |
| Cost of funding earning assets | 1.9262% | 4,504 |
| Net interest margin | 3.9271% | 2,945 |
| Noninterest income to average assets | 0.4834% | 4,472 |
| Noninterest expense to average assets | 3.2455% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8701% | 2,838 |
| Return on assets (ROA) | 0.2486% | 5,660 |
| Pretax return on assets | 0.2486% | 5,828 |
| Return on Equity (ROE) | 2.7439% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.7439% | 4,354 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8591% | 3,023 |
| Assets per employee ($millions) | 2.6402% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 1,152 |
| Loan loss allowance to noncurrent loans | 1,182.6087% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 7,356 |
| Noncurrent loans to loans | 0.1815% | 7,009 |
| Net loans and leases to total assets | 42.7037% | 7,424 |
| Net loans and leases to deposits | 47.0861% | 7,618 |
| Net loans and leases to core deposits | 63.8160% | 7,325 |
| Total domestic deposits to total assets | 90.6928% | 520 |
| Equity capital to assets | 9.0524% | 5,290 |
| Core capital (leverage) ratio | 9.3143% | 4,225 |
| Tier 1 risk-based capital ratio | 16.1086% | 2,653 |
| Total risk-based capital ratio | 17.3650% | 2,589 |
| Memoranda: | ||
| Average total assets | $28,963,500 | 7,689 |
| Average earning assets | $26,788,000 | 7,647 |
| Average equity | $2,624,000 | 7,894 |
| Average total loans | $12,741,500 | 7,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7948% | 1,695 |
| Cost of funding earning assets | 2.6784% | 3,270 |
| Net interest margin | 4.1165% | 2,640 |
| Noninterest income to average assets | 0.5095% | 4,545 |
| Noninterest expense to average assets | 3.1885% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7902% | 3,478 |
| Return on assets (ROA) | 0.6478% | 3,964 |
| Pretax return on assets | 0.9717% | 3,480 |
| Return on Equity (ROE) | 7.2142% | 3,424 |
| Retained earnings to average equity (ytd only) | 1.9539% | 4,017 |
| Net charge-offs to loans | 0.0143% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 265 |
| Efficiency ratio | 72.9167% | 3,766 |
| Assets per employee ($millions) | 2.6259% | 6,948 |
| Cash dividends to net income (ytd only)* | 72.9167% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 1,034 |
| Loan loss allowance to noncurrent loans | 1,182.6087% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 7,250 |
| Noncurrent loans to loans | 0.1796% | 6,850 |
| Net loans and leases to total assets | 43.4032% | 7,506 |
| Net loans and leases to deposits | 47.9078% | 7,710 |
| Net loans and leases to core deposits | 64.4708% | 7,424 |
| Total domestic deposits to total assets | 90.5972% | 453 |
| Equity capital to assets | 9.0670% | 5,272 |
| Core capital (leverage) ratio | 9.2296% | 4,390 |
| Tier 1 risk-based capital ratio | 15.8113% | 2,739 |
| Total risk-based capital ratio | 17.0680% | 2,676 |
| Memoranda: | ||
| Average total assets | $29,637,600 | 7,664 |
| Average earning assets | $27,815,200 | 7,627 |
| Average equity | $2,661,400 | 7,938 |
| Average total loans | $13,944,000 | 7,706 |