Home > The Kevil Bank > Performance and Condition Ratios
The Kevil Bank, Performance and Condition Ratios
| 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 | 2.9269% | 6,581 |
| Cost of funding earning assets | 0.3150% | 5,845 |
| Net interest margin | 2.6119% | 6,354 |
| Noninterest income to average assets | 0.3041% | 5,266 |
| Noninterest expense to average assets | 2.6863% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1394% | 6,069 |
| Return on assets (ROA) | 0.1394% | 6,166 |
| Pretax return on assets | 0.1394% | 6,193 |
| Return on Equity (ROE) | 0.9864% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.9864% | 5,451 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0673% | 768 |
| Assets per employee ($millions) | 5.3550% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6271% | 986 |
| Loan loss allowance to noncurrent loans | 625.9259% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 6,340 |
| Noncurrent loans to loans | 0.4197% | 5,370 |
| Net loans and leases to total assets | 19.4958% | 6,864 |
| Net loans and leases to deposits | 22.6317% | 6,882 |
| Net loans and leases to core deposits | 23.3592% | 6,877 |
| Total domestic deposits to total assets | 86.1438% | 3,453 |
| Equity capital to assets | 13.7317% | 1,123 |
| Core capital (leverage) ratio | 11.8358% | 1,662 |
| Tier 1 risk-based capital ratio | 33.8883% | 380 |
| Total risk-based capital ratio | 35.1461% | 377 |
| Memoranda: | ||
| Average total assets | $31,568,000 | 6,677 |
| Average earning assets | $30,475,500 | 6,613 |
| Average equity | $4,460,500 | 6,400 |
| Average total loans | $6,327,000 | 6,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 6,626 |
| Cost of funding earning assets | 0.3531% | 6,189 |
| Net interest margin | 2.9025% | 6,219 |
| Noninterest income to average assets | 0.4244% | 4,419 |
| Noninterest expense to average assets | 2.7020% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5184% | 4,614 |
| Return on assets (ROA) | 0.5378% | 4,785 |
| Pretax return on assets | 0.5378% | 5,172 |
| Return on Equity (ROE) | 3.6577% | 5,292 |
| Retained earnings to average equity (ytd only) | -0.2203% | 5,892 |
| Net charge-offs to loans | -0.1106% | 6,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9034% | 1,644 |
| Assets per employee ($millions) | 5.1677% | 2,025 |
| Cash dividends to net income (ytd only)* | 106.0241% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7166% | 905 |
| Loan loss allowance to noncurrent loans | 603.5714% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 6,366 |
| Noncurrent loans to loans | 0.4501% | 5,380 |
| Net loans and leases to total assets | 19.5188% | 6,930 |
| Net loans and leases to deposits | 22.9104% | 6,945 |
| Net loans and leases to core deposits | 23.6813% | 6,934 |
| Total domestic deposits to total assets | 85.1964% | 3,771 |
| Equity capital to assets | 14.5423% | 859 |
| Core capital (leverage) ratio | 12.0796% | 1,523 |
| Tier 1 risk-based capital ratio | 34.4493% | 353 |
| Total risk-based capital ratio | 35.7035% | 350 |
| Memoranda: | ||
| Average total assets | $30,865,600 | 6,737 |
| Average earning assets | $29,732,800 | 6,669 |
| Average equity | $4,538,400 | 6,431 |
| Average total loans | $6,329,000 | 6,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 6,702 |
| Cost of funding earning assets | 0.3636% | 6,313 |
| Net interest margin | 2.9674% | 6,240 |
| Noninterest income to average assets | 0.3806% | 4,779 |
| Noninterest expense to average assets | 2.6683% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5709% | 4,517 |
| Return on assets (ROA) | 0.5709% | 4,791 |
| Pretax return on assets | 0.5709% | 5,254 |
| Return on Equity (ROE) | 3.8717% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.5252% | 5,575 |
| Net charge-offs to loans | -0.1468% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3765% | 1,765 |
| Assets per employee ($millions) | 5.1730% | 1,962 |
| Cash dividends to net income (ytd only)* | 60.6023% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8400% | 853 |
| Loan loss allowance to noncurrent loans | 1,850.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,689 |
| Noncurrent loans to loans | 0.1535% | 6,225 |
| Net loans and leases to total assets | 20.3911% | 7,020 |
| Net loans and leases to deposits | 24.0610% | 7,038 |
| Net loans and leases to core deposits | 24.8733% | 7,034 |
| Total domestic deposits to total assets | 84.7477% | 3,859 |
| Equity capital to assets | 15.0332% | 817 |
| Core capital (leverage) ratio | 12.5063% | 1,405 |
| Tier 1 risk-based capital ratio | 33.4896% | 397 |
| Total risk-based capital ratio | 34.7426% | 392 |
| Memoranda: | ||
| Average total assets | $30,830,500 | 6,820 |
| Average earning assets | $29,700,000 | 6,758 |
| Average equity | $4,545,750 | 6,503 |
| Average total loans | $6,356,000 | 7,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 6,760 |
| Cost of funding earning assets | 0.3777% | 6,390 |
| Net interest margin | 2.9880% | 6,269 |
| Noninterest income to average assets | 0.3771% | 4,822 |
| Noninterest expense to average assets | 2.6657% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5917% | 4,409 |
| Return on assets (ROA) | 0.5917% | 4,667 |
| Pretax return on assets | 0.5917% | 5,170 |
| Return on Equity (ROE) | 4.0394% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.7077% | 4,823 |
| Net charge-offs to loans | -0.0317% | 6,543 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8363% | 1,901 |
| Assets per employee ($millions) | 5.1377% | 1,986 |
| Cash dividends to net income (ytd only)* | 32.9670% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7439% | 993 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,763 |
| Noncurrent loans to loans | 0.1233% | 6,356 |
| Net loans and leases to total assets | 20.4665% | 7,076 |
| Net loans and leases to deposits | 24.1419% | 7,089 |
| Net loans and leases to core deposits | 24.9604% | 7,092 |
| Total domestic deposits to total assets | 84.7758% | 3,960 |
| Equity capital to assets | 15.0555% | 775 |
| Core capital (leverage) ratio | 12.2641% | 1,464 |
| Tier 1 risk-based capital ratio | 32.0620% | 435 |
| Total risk-based capital ratio | 33.3104% | 433 |
| Memoranda: | ||
| Average total assets | $30,761,330 | 6,876 |
| Average earning assets | $29,651,670 | 6,805 |
| Average equity | $4,505,670 | 6,545 |
| Average total loans | $6,303,330 | 7,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 6,859 |
| Cost of funding earning assets | 0.3932% | 6,442 |
| Net interest margin | 2.9560% | 6,380 |
| Noninterest income to average assets | 0.3515% | 5,049 |
| Noninterest expense to average assets | 2.6815% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5077% | 4,793 |
| Return on assets (ROA) | 0.5077% | 5,004 |
| Pretax return on assets | 0.5077% | 5,404 |
| Return on Equity (ROE) | 3.5151% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.5151% | 4,472 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0816% | 1,678 |
| Assets per employee ($millions) | 5.2455% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7835% | 1,025 |
| Loan loss allowance to noncurrent loans | 8,850.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,923 |
| Noncurrent loans to loans | 0.0315% | 6,684 |
| Net loans and leases to total assets | 19.6422% | 7,149 |
| Net loans and leases to deposits | 22.8658% | 7,156 |
| Net loans and leases to core deposits | 23.5200% | 7,160 |
| Total domestic deposits to total assets | 85.9022% | 3,588 |
| Equity capital to assets | 13.9866% | 1,030 |
| Core capital (leverage) ratio | 12.3297% | 1,421 |
| Tier 1 risk-based capital ratio | 31.7577% | 443 |
| Total risk-based capital ratio | 33.0102% | 435 |
| Memoranda: | ||
| Average total assets | $30,729,000 | 6,927 |
| Average earning assets | $29,499,000 | 6,865 |
| Average equity | $4,438,000 | 6,598 |
| Average total loans | $6,211,500 | 7,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 6,694 |
| Cost of funding earning assets | 0.5347% | 6,402 |
| Net interest margin | 3.2975% | 5,812 |
| Noninterest income to average assets | 0.3645% | 4,896 |
| Noninterest expense to average assets | 2.8367% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7083% | 3,447 |
| Return on assets (ROA) | 0.7152% | 3,595 |
| Pretax return on assets | 0.7152% | 4,265 |
| Return on Equity (ROE) | 4.7766% | 4,491 |
| Retained earnings to average equity (ytd only) | 0.5511% | 5,588 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0194% | 2,298 |
| Assets per employee ($millions) | 4.9975% | 2,203 |
| Cash dividends to net income (ytd only)* | 88.4615% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9189% | 877 |
| Loan loss allowance to noncurrent loans | 8,850.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,973 |
| Noncurrent loans to loans | 0.0330% | 6,743 |
| Net loans and leases to total assets | 19.6331% | 7,213 |
| Net loans and leases to deposits | 23.1526% | 7,220 |
| Net loans and leases to core deposits | 23.8562% | 7,216 |
| Total domestic deposits to total assets | 84.7991% | 3,961 |
| Equity capital to assets | 14.9208% | 803 |
| Core capital (leverage) ratio | 12.2059% | 1,491 |
| Tier 1 risk-based capital ratio | 33.7324% | 369 |
| Total risk-based capital ratio | 34.9848% | 364 |
| Memoranda: | ||
| Average total assets | $29,083,000 | 6,993 |
| Average earning assets | $28,051,800 | 6,916 |
| Average equity | $4,354,600 | 6,642 |
| Average total loans | $6,725,800 | 7,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 6,570 |
| Cost of funding earning assets | 0.5598% | 6,475 |
| Net interest margin | 3.4497% | 5,394 |
| Noninterest income to average assets | 0.3604% | 4,984 |
| Noninterest expense to average assets | 2.9062% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7854% | 3,230 |
| Return on assets (ROA) | 0.7854% | 3,399 |
| Pretax return on assets | 0.7854% | 4,184 |
| Return on Equity (ROE) | 5.2410% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.1580% | 5,048 |
| Net charge-offs to loans | 0.0193% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 170.4211% | 228 |
| Efficiency ratio | 78.7234% | 2,438 |
| Assets per employee ($millions) | 4.8273% | 2,433 |
| Cash dividends to net income (ytd only)* | 58.8238% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 1,131 |
| Loan loss allowance to noncurrent loans | 8,850.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,059 |
| Noncurrent loans to loans | 0.0305% | 6,862 |
| Net loans and leases to total assets | 22.0481% | 7,257 |
| Net loans and leases to deposits | 26.3721% | 7,263 |
| Net loans and leases to core deposits | 27.2138% | 7,263 |
| Total domestic deposits to total assets | 83.6038% | 4,429 |
| Equity capital to assets | 16.0682% | 618 |
| Core capital (leverage) ratio | 12.7730% | 1,317 |
| Tier 1 risk-based capital ratio | 35.3143% | 341 |
| Total risk-based capital ratio | 36.5714% | 331 |
| Memoranda: | ||
| Average total assets | $28,857,500 | 7,070 |
| Average earning assets | $27,866,250 | 6,996 |
| Average equity | $4,324,750 | 6,699 |
| Average total loans | $6,891,250 | 7,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 6,541 |
| Cost of funding earning assets | 0.5631% | 6,618 |
| Net interest margin | 3.5069% | 5,128 |
| Noninterest income to average assets | 0.3678% | 4,934 |
| Noninterest expense to average assets | 2.8520% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9298% | 2,516 |
| Return on assets (ROA) | 0.9298% | 2,621 |
| Pretax return on assets | 0.9298% | 3,508 |
| Return on Equity (ROE) | 6.3582% | 3,762 |
| Retained earnings to average equity (ytd only) | 3.9858% | 3,663 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4128% | 3,115 |
| Assets per employee ($millions) | 4.9020% | 2,257 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5353% | 1,388 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,114 |
| Noncurrent loans to loans | 0.0285% | 6,913 |
| Net loans and leases to total assets | 23.2660% | 7,325 |
| Net loans and leases to deposits | 27.4698% | 7,333 |
| Net loans and leases to core deposits | 28.3190% | 7,340 |
| Total domestic deposits to total assets | 84.6967% | 4,020 |
| Equity capital to assets | 15.0857% | 804 |
| Core capital (leverage) ratio | 12.9420% | 1,190 |
| Tier 1 risk-based capital ratio | 33.6589% | 395 |
| Total risk-based capital ratio | 34.9159% | 386 |
| Memoranda: | ||
| Average total assets | $28,822,000 | 7,137 |
| Average earning assets | $28,059,330 | 7,060 |
| Average equity | $4,215,000 | 6,774 |
| Average total loans | $7,000,670 | 7,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 6,631 |
| Cost of funding earning assets | 0.5614% | 6,762 |
| Net interest margin | 3.4694% | 5,148 |
| Noninterest income to average assets | 0.3505% | 5,094 |
| Noninterest expense to average assets | 2.8885% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8413% | 2,816 |
| Return on assets (ROA) | 0.8413% | 2,876 |
| Pretax return on assets | 0.8413% | 3,738 |
| Return on Equity (ROE) | 5.8480% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.8480% | 2,727 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4436% | 2,925 |
| Assets per employee ($millions) | 4.7442% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5708% | 1,354 |
| Loan loss allowance to noncurrent loans | 250.7042% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 6,558 |
| Noncurrent loans to loans | 1.0254% | 5,005 |
| Net loans and leases to total assets | 23.6993% | 7,380 |
| Net loans and leases to deposits | 27.7670% | 7,392 |
| Net loans and leases to core deposits | 28.3469% | 7,395 |
| Total domestic deposits to total assets | 85.3504% | 3,863 |
| Equity capital to assets | 14.4212% | 901 |
| Core capital (leverage) ratio | 12.7856% | 1,203 |
| Tier 1 risk-based capital ratio | 33.8829% | 379 |
| Total risk-based capital ratio | 35.1379% | 370 |
| Memoranda: | ||
| Average total assets | $28,527,000 | 7,196 |
| Average earning assets | $27,786,000 | 7,107 |
| Average equity | $4,104,000 | 6,846 |
| Average total loans | $6,990,500 | 7,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 6,828 |
| Cost of funding earning assets | 0.7472% | 6,747 |
| Net interest margin | 3.5263% | 5,127 |
| Noninterest income to average assets | 0.3986% | 4,917 |
| Noninterest expense to average assets | 2.9500% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8840% | 2,451 |
| Return on assets (ROA) | 0.8840% | 2,585 |
| Pretax return on assets | 0.8840% | 3,360 |
| Return on Equity (ROE) | 5.9184% | 3,649 |
| Retained earnings to average equity (ytd only) | -0.2321% | 5,652 |
| Net charge-offs to loans | 0.0272% | 6,533 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 198 |
| Efficiency ratio | 76.9439% | 2,883 |
| Assets per employee ($millions) | 4.0841% | 3,609 |
| Cash dividends to net income (ytd only)* | 103.9216% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5223% | 1,388 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,466 |
| Noncurrent loans to loans | 1.2612% | 4,605 |
| Net loans and leases to total assets | 24.0617% | 7,470 |
| Net loans and leases to deposits | 28.1996% | 7,483 |
| Net loans and leases to core deposits | 28.7800% | 7,487 |
| Total domestic deposits to total assets | 85.3265% | 3,707 |
| Equity capital to assets | 14.3517% | 941 |
| Core capital (leverage) ratio | 12.6508% | 1,258 |
| Tier 1 risk-based capital ratio | 33.2784% | 399 |
| Total risk-based capital ratio | 34.5317% | 386 |
| Memoranda: | ||
| Average total assets | $28,847,600 | 7,246 |
| Average earning assets | $28,103,400 | 7,158 |
| Average equity | $4,308,600 | 6,890 |
| Average total loans | $7,351,800 | 7,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 6,956 |
| Cost of funding earning assets | 0.7757% | 6,830 |
| Net interest margin | 3.5379% | 5,150 |
| Noninterest income to average assets | 0.3827% | 5,089 |
| Noninterest expense to average assets | 2.9329% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8992% | 2,611 |
| Return on assets (ROA) | 0.9039% | 2,738 |
| Pretax return on assets | 0.9039% | 3,540 |
| Return on Equity (ROE) | 5.9938% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.9358% | 4,374 |
| Net charge-offs to loans | 0.0360% | 6,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 97.3745% | 316 |
| Efficiency ratio | 76.5343% | 2,850 |
| Assets per employee ($millions) | 4.1409% | 3,567 |
| Cash dividends to net income (ytd only)* | 51.0198% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4044% | 1,468 |
| Loan loss allowance to noncurrent loans | 142.4000% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,346 |
| Noncurrent loans to loans | 1.6885% | 4,107 |
| Net loans and leases to total assets | 24.9258% | 7,554 |
| Net loans and leases to deposits | 29.7546% | 7,561 |
| Net loans and leases to core deposits | 30.3699% | 7,575 |
| Total domestic deposits to total assets | 83.7715% | 4,245 |
| Equity capital to assets | 15.7904% | 713 |
| Core capital (leverage) ratio | 13.2515% | 1,131 |
| Tier 1 risk-based capital ratio | 34.0950% | 373 |
| Total risk-based capital ratio | 35.3514% | 368 |
| Memoranda: | ||
| Average total assets | $28,912,250 | 7,336 |
| Average earning assets | $28,189,500 | 7,239 |
| Average equity | $4,360,000 | 6,960 |
| Average total loans | $7,425,500 | 7,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 6,965 |
| Cost of funding earning assets | 0.8098% | 6,874 |
| Net interest margin | 3.5517% | 5,039 |
| Noninterest income to average assets | 0.3739% | 5,142 |
| Noninterest expense to average assets | 2.9286% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9070% | 2,534 |
| Return on assets (ROA) | 0.9070% | 2,644 |
| Pretax return on assets | 0.9070% | 3,466 |
| Return on Equity (ROE) | 6.1105% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.7783% | 3,687 |
| Net charge-offs to loans | 0.0538% | 5,625 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 473 |
| Efficiency ratio | 76.3538% | 3,009 |
| Assets per employee ($millions) | 3.6071% | 4,678 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 1,421 |
| Loan loss allowance to noncurrent loans | 468.4211% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,060 |
| Noncurrent loans to loans | 0.5147% | 6,223 |
| Net loans and leases to total assets | 24.9679% | 7,624 |
| Net loans and leases to deposits | 29.7432% | 7,644 |
| Net loans and leases to core deposits | 30.3535% | 7,652 |
| Total domestic deposits to total assets | 83.9450% | 4,130 |
| Equity capital to assets | 15.7570% | 715 |
| Core capital (leverage) ratio | 13.1238% | 1,168 |
| Tier 1 risk-based capital ratio | 34.1390% | 374 |
| Total risk-based capital ratio | 35.3932% | 368 |
| Memoranda: | ||
| Average total assets | $28,887,670 | 7,392 |
| Average earning assets | $28,155,670 | 7,286 |
| Average equity | $4,287,670 | 7,019 |
| Average total loans | $7,433,000 | 7,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 7,107 |
| Cost of funding earning assets | 0.8494% | 6,940 |
| Net interest margin | 3.4685% | 5,291 |
| Noninterest income to average assets | 0.3598% | 5,260 |
| Noninterest expense to average assets | 2.9616% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7888% | 3,018 |
| Return on assets (ROA) | 0.7888% | 3,133 |
| Pretax return on assets | 0.7888% | 3,913 |
| Return on Equity (ROE) | 5.4834% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,875 |
| Net charge-offs to loans | 0.1073% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 902 |
| Efficiency ratio | 78.9668% | 2,732 |
| Assets per employee ($millions) | 3.6840% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 1,314 |
| Loan loss allowance to noncurrent loans | 813.6364% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 7,305 |
| Noncurrent loans to loans | 0.3054% | 6,711 |
| Net loans and leases to total assets | 23.8362% | 7,730 |
| Net loans and leases to deposits | 27.9780% | 7,755 |
| Net loans and leases to core deposits | 28.5314% | 7,761 |
| Total domestic deposits to total assets | 85.1961% | 3,564 |
| Equity capital to assets | 14.4883% | 1,007 |
| Core capital (leverage) ratio | 12.7482% | 1,310 |
| Tier 1 risk-based capital ratio | 33.8542% | 385 |
| Total risk-based capital ratio | 35.1060% | 381 |
| Memoranda: | ||
| Average total assets | $28,903,000 | 7,483 |
| Average earning assets | $28,254,000 | 7,382 |
| Average equity | $4,158,000 | 7,124 |
| Average total loans | $7,458,000 | 7,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 7,095 |
| Cost of funding earning assets | 1.0645% | 7,069 |
| Net interest margin | 3.6623% | 4,299 |
| Noninterest income to average assets | 0.4640% | 4,685 |
| Noninterest expense to average assets | 2.9917% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0160% | 1,786 |
| Return on assets (ROA) | 1.0511% | 1,705 |
| Pretax return on assets | 1.0511% | 2,407 |
| Return on Equity (ROE) | 7.3245% | 2,655 |
| Retained earnings to average equity (ytd only) | 0.2205% | 4,782 |
| Net charge-offs to loans | 0.0639% | 6,469 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 459 |
| Efficiency ratio | 74.6491% | 3,772 |
| Assets per employee ($millions) | 3.5418% | 4,914 |
| Cash dividends to net income (ytd only)* | 96.9900% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 1,803 |
| Loan loss allowance to noncurrent loans | 146.8468% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 6,471 |
| Noncurrent loans to loans | 1.4393% | 4,514 |
| Net loans and leases to total assets | 26.6429% | 7,777 |
| Net loans and leases to deposits | 31.2097% | 7,796 |
| Net loans and leases to core deposits | 34.9977% | 7,824 |
| Total domestic deposits to total assets | 85.3674% | 3,378 |
| Equity capital to assets | 14.2797% | 1,086 |
| Core capital (leverage) ratio | 13.4632% | 1,102 |
| Tier 1 risk-based capital ratio | 32.5163% | 426 |
| Total risk-based capital ratio | 33.7731% | 413 |
| Memoranda: | ||
| Average total assets | $28,445,400 | 7,525 |
| Average earning assets | $27,524,000 | 7,446 |
| Average equity | $4,082,200 | 7,255 |
| Average total loans | $7,820,400 | 7,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 7,037 |
| Cost of funding earning assets | 1.1237% | 7,121 |
| Net interest margin | 3.7102% | 4,023 |
| Noninterest income to average assets | 0.4776% | 4,693 |
| Noninterest expense to average assets | 2.9782% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0864% | 1,780 |
| Return on assets (ROA) | 1.0864% | 1,834 |
| Pretax return on assets | 1.0864% | 2,622 |
| Return on Equity (ROE) | 7.5608% | 2,837 |
| Retained earnings to average equity (ytd only) | 0.8799% | 4,815 |
| Net charge-offs to loans | 0.1189% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 33.1543% | 866 |
| Efficiency ratio | 73.2719% | 4,000 |
| Assets per employee ($millions) | 3.5216% | 4,877 |
| Cash dividends to net income (ytd only)* | 88.3619% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 1,674 |
| Loan loss allowance to noncurrent loans | 34.8485% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6399% | 3,901 |
| Noncurrent loans to loans | 5.9057% | 1,014 |
| Net loans and leases to total assets | 27.1963% | 7,861 |
| Net loans and leases to deposits | 32.2082% | 7,884 |
| Net loans and leases to core deposits | 35.6488% | 7,904 |
| Total domestic deposits to total assets | 84.4390% | 3,511 |
| Equity capital to assets | 15.0570% | 991 |
| Core capital (leverage) ratio | 13.6320% | 1,192 |
| Tier 1 risk-based capital ratio | 33.2336% | 430 |
| Total risk-based capital ratio | 34.4843% | 418 |
| Memoranda: | ||
| Average total assets | $28,473,250 | 7,591 |
| Average earning assets | $27,527,000 | 7,515 |
| Average equity | $4,091,250 | 7,323 |
| Average total loans | $7,847,500 | 7,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 7,028 |
| Cost of funding earning assets | 1.1850% | 7,149 |
| Net interest margin | 3.7148% | 3,890 |
| Noninterest income to average assets | 0.5040% | 4,411 |
| Noninterest expense to average assets | 3.0168% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0639% | 1,900 |
| Return on assets (ROA) | 1.0639% | 1,974 |
| Pretax return on assets | 1.0639% | 2,756 |
| Return on Equity (ROE) | 7.5229% | 2,962 |
| Retained earnings to average equity (ytd only) | 0.5939% | 4,952 |
| Net charge-offs to loans | -0.0509% | 7,852 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9280% | 4,044 |
| Assets per employee ($millions) | 3.2063% | 5,570 |
| Cash dividends to net income (ytd only)* | 92.1053% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2365% | 1,179 |
| Loan loss allowance to noncurrent loans | 354.1667% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 7,131 |
| Noncurrent loans to loans | 0.6315% | 5,984 |
| Net loans and leases to total assets | 25.7511% | 7,965 |
| Net loans and leases to deposits | 30.0595% | 7,993 |
| Net loans and leases to core deposits | 33.4413% | 8,008 |
| Total domestic deposits to total assets | 85.6673% | 2,932 |
| Equity capital to assets | 13.9377% | 1,334 |
| Core capital (leverage) ratio | 13.0528% | 1,413 |
| Tier 1 risk-based capital ratio | 32.6332% | 481 |
| Total risk-based capital ratio | 33.8845% | 467 |
| Memoranda: | ||
| Average total assets | $28,573,330 | 7,661 |
| Average earning assets | $27,511,330 | 7,576 |
| Average equity | $4,041,000 | 7,400 |
| Average total loans | $7,855,670 | 7,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,933 |
| Cost of funding earning assets | 1.2680% | 7,125 |
| Net interest margin | 4.0225% | 2,566 |
| Noninterest income to average assets | 0.3658% | 5,507 |
| Noninterest expense to average assets | 2.8982% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3506% | 1,259 |
| Return on assets (ROA) | 1.3506% | 1,352 |
| Pretax return on assets | 1.3506% | 2,119 |
| Return on Equity (ROE) | 9.4803% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.4803% | 1,342 |
| Net charge-offs to loans | -0.1002% | 7,878 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2119% | 4,921 |
| Assets per employee ($millions) | 3.1941% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,100 |
| Loan loss allowance to noncurrent loans | 149.1228% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 6,313 |
| Noncurrent loans to loans | 1.4645% | 4,107 |
| Net loans and leases to total assets | 26.4862% | 7,994 |
| Net loans and leases to deposits | 31.1106% | 8,022 |
| Net loans and leases to core deposits | 34.4759% | 8,041 |
| Total domestic deposits to total assets | 85.1358% | 3,137 |
| Equity capital to assets | 14.4885% | 1,237 |
| Core capital (leverage) ratio | 13.5081% | 1,321 |
| Tier 1 risk-based capital ratio | 33.9330% | 468 |
| Total risk-based capital ratio | 35.1867% | 463 |
| Memoranda: | ||
| Average total assets | $28,431,500 | 7,713 |
| Average earning assets | $27,445,500 | 7,631 |
| Average equity | $4,050,500 | 7,437 |
| Average total loans | $7,983,000 | 7,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 7,649 |
| Cost of funding earning assets | 1.7839% | 7,047 |
| Net interest margin | 3.4631% | 5,426 |
| Noninterest income to average assets | 0.3690% | 5,751 |
| Noninterest expense to average assets | 2.7070% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0090% | 2,515 |
| Return on assets (ROA) | 1.0090% | 2,400 |
| Pretax return on assets | 1.0090% | 3,349 |
| Return on Equity (ROE) | 8.1911% | 2,984 |
| Retained earnings to average equity (ytd only) | 0.3711% | 5,019 |
| Net charge-offs to loans | 0.0500% | 6,074 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 77.2500% | 532 |
| Efficiency ratio | 72.8471% | 3,781 |
| Assets per employee ($millions) | 3.1240% | 5,702 |
| Cash dividends to net income (ytd only)* | 95.4693% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0411% | 1,156 |
| Loan loss allowance to noncurrent loans | 23.7216% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5039% | 1,936 |
| Noncurrent loans to loans | 8.6043% | 296 |
| Net loans and leases to total assets | 28.5069% | 8,025 |
| Net loans and leases to deposits | 33.6440% | 8,065 |
| Net loans and leases to core deposits | 37.7265% | 8,085 |
| Total domestic deposits to total assets | 84.7311% | 2,960 |
| Equity capital to assets | 13.9991% | 1,423 |
| Core capital (leverage) ratio | 13.2588% | 1,455 |
| Tier 1 risk-based capital ratio | 32.2349% | 539 |
| Total risk-based capital ratio | 33.4839% | 526 |
| Memoranda: | ||
| Average total assets | $30,624,800 | 7,616 |
| Average earning assets | $29,597,800 | 7,536 |
| Average equity | $3,772,400 | 7,588 |
| Average total loans | $7,994,200 | 8,034 |