Home > The West Michigan Savings Bank > Performance and Condition Ratios
The West Michigan Savings 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 | 3.2533% | 5,549 |
| Cost of funding earning assets | 0.2049% | 5,464 |
| Net interest margin | 3.0484% | 5,080 |
| Noninterest income to average assets | 0.4456% | 3,663 |
| Noninterest expense to average assets | 7.3077% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -4.2108% | 6,400 |
| Return on assets (ROA) | -4.2108% | 6,401 |
| Pretax return on assets | -4.2108% | 6,401 |
| Return on Equity (ROE) | -52.0841% | 6,399 |
| Retained earnings to average equity (ytd only) | -52.0841% | 6,386 |
| Net charge-offs to loans | -0.3328% | 6,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 235.9712% | 15 |
| Assets per employee ($millions) | 3.2643% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 1,400 |
| Loan loss allowance to noncurrent loans | 22.9474% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.1442% | 576 |
| Noncurrent loans to loans | 8.0495% | 100 |
| Net loans and leases to total assets | 32.2611% | 5,991 |
| Net loans and leases to deposits | 35.4772% | 6,075 |
| Net loans and leases to core deposits | 36.0412% | 6,099 |
| Total domestic deposits to total assets | 90.9349% | 392 |
| Equity capital to assets | 7.6420% | 6,141 |
| Core capital (leverage) ratio | 8.2274% | 5,790 |
| Tier 1 risk-based capital ratio | 22.5169% | 1,168 |
| Total risk-based capital ratio | 23.7670% | 1,154 |
| Memoranda: | ||
| Average total assets | $35,907,500 | 6,054 |
| Average earning assets | $31,229,500 | 6,083 |
| Average equity | $2,903,000 | 6,221 |
| Average total loans | $12,019,000 | 6,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 5,220 |
| Cost of funding earning assets | 0.2652% | 5,161 |
| Net interest margin | 3.2760% | 4,665 |
| Noninterest income to average assets | 0.1895% | 5,722 |
| Noninterest expense to average assets | 4.2388% | 584 |
| Loan and lease loss provision to assets | 0.1521% | 1,727 |
| Net operating income to assets | -1.2999% | 6,413 |
| Return on assets (ROA) | -1.2172% | 6,404 |
| Pretax return on assets | -1.2172% | 6,395 |
| Return on Equity (ROE) | -12.9208% | 6,393 |
| Retained earnings to average equity (ytd only) | -12.9208% | 6,359 |
| Net charge-offs to loans | 0.3863% | 1,106 |
| Credit loss provision to net charge-offs | 111.7647% | 2,131 |
| Earnings coverage of net charge-offs (x) | -8.4314% | 4,909 |
| Efficiency ratio | 137.1330% | 75 |
| Assets per employee ($millions) | 3.2644% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 1,755 |
| Loan loss allowance to noncurrent loans | 21.8163% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 3.5925% | 510 |
| Noncurrent loans to loans | 7.8294% | 119 |
| Net loans and leases to total assets | 33.4939% | 6,063 |
| Net loans and leases to deposits | 37.1146% | 6,132 |
| Net loans and leases to core deposits | 37.8672% | 6,151 |
| Total domestic deposits to total assets | 90.2445% | 634 |
| Equity capital to assets | 8.5273% | 5,728 |
| Core capital (leverage) ratio | 9.0942% | 4,835 |
| Tier 1 risk-based capital ratio | 21.6361% | 1,283 |
| Total risk-based capital ratio | 22.8911% | 1,260 |
| Memoranda: | ||
| Average total assets | $37,463,800 | 6,092 |
| Average earning assets | $33,180,400 | 6,115 |
| Average equity | $3,529,200 | 6,176 |
| Average total loans | $13,202,600 | 6,224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,464 |
| Cost of funding earning assets | 0.2770% | 5,130 |
| Net interest margin | 3.1854% | 5,010 |
| Noninterest income to average assets | 0.1796% | 5,842 |
| Noninterest expense to average assets | 4.1000% | 687 |
| Loan and lease loss provision to assets | 0.2008% | 1,183 |
| Net operating income to assets | -1.2856% | 6,491 |
| Return on assets (ROA) | -1.1765% | 6,477 |
| Pretax return on assets | -1.1765% | 6,468 |
| Return on Equity (ROE) | -12.2139% | 6,473 |
| Retained earnings to average equity (ytd only) | -12.2139% | 6,419 |
| Net charge-offs to loans | 0.4562% | 860 |
| Credit loss provision to net charge-offs | 123.9130% | 1,857 |
| Earnings coverage of net charge-offs (x) | -6.6959% | 4,620 |
| Efficiency ratio | 135.9813% | 82 |
| Assets per employee ($millions) | 3.2065% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 2,217 |
| Loan loss allowance to noncurrent loans | 34.6341% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.5204% | 1,038 |
| Noncurrent loans to loans | 4.6889% | 409 |
| Net loans and leases to total assets | 36.5814% | 6,009 |
| Net loans and leases to deposits | 40.7510% | 6,091 |
| Net loans and leases to core deposits | 41.4195% | 6,140 |
| Total domestic deposits to total assets | 89.7681% | 836 |
| Equity capital to assets | 9.0638% | 5,288 |
| Core capital (leverage) ratio | 9.0460% | 5,008 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,341 |
| Total risk-based capital ratio | 22.7737% | 1,317 |
| Memoranda: | ||
| Average total assets | $37,852,750 | 6,158 |
| Average earning assets | $33,694,500 | 6,170 |
| Average equity | $3,646,000 | 6,226 |
| Average total loans | $13,444,250 | 6,285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 5,375 |
| Cost of funding earning assets | 0.3012% | 4,957 |
| Net interest margin | 3.2150% | 4,897 |
| Noninterest income to average assets | 0.1033% | 6,275 |
| Noninterest expense to average assets | 3.8643% | 890 |
| Loan and lease loss provision to assets | 0.1808% | 1,357 |
| Net operating income to assets | -1.0746% | 6,535 |
| Return on assets (ROA) | -1.0332% | 6,532 |
| Pretax return on assets | -1.0332% | 6,513 |
| Return on Equity (ROE) | -10.5383% | 6,518 |
| Retained earnings to average equity (ytd only) | -10.5383% | 6,431 |
| Net charge-offs to loans | 0.4427% | 922 |
| Credit loss provision to net charge-offs | 116.6667% | 1,746 |
| Earnings coverage of net charge-offs (x) | -5.7667% | 4,294 |
| Efficiency ratio | 130.0870% | 99 |
| Assets per employee ($millions) | 3.4837% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,781 |
| Loan loss allowance to noncurrent loans | 24.8798% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 2.5991% | 1,052 |
| Noncurrent loans to loans | 6.1271% | 248 |
| Net loans and leases to total assets | 34.8947% | 6,109 |
| Net loans and leases to deposits | 38.6944% | 6,198 |
| Net loans and leases to core deposits | 39.2728% | 6,236 |
| Total domestic deposits to total assets | 90.1803% | 718 |
| Equity capital to assets | 9.7623% | 4,415 |
| Core capital (leverage) ratio | 9.0643% | 4,917 |
| Tier 1 risk-based capital ratio | 22.3994% | 1,204 |
| Total risk-based capital ratio | 23.6549% | 1,179 |
| Memoranda: | ||
| Average total assets | $38,713,000 | 6,200 |
| Average earning assets | $34,526,000 | 6,210 |
| Average equity | $3,795,670 | 6,245 |
| Average total loans | $13,553,670 | 6,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,779 |
| Cost of funding earning assets | 0.3211% | 4,846 |
| Net interest margin | 3.0163% | 5,484 |
| Noninterest income to average assets | -0.0720% | 6,656 |
| Noninterest expense to average assets | 3.6393% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.0075% | 6,575 |
| Return on assets (ROA) | -1.0075% | 6,572 |
| Pretax return on assets | -1.0075% | 6,561 |
| Return on Equity (ROE) | -10.2537% | 6,565 |
| Retained earnings to average equity (ytd only) | -10.2537% | 6,368 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.2813% | 93 |
| Assets per employee ($millions) | 3.2103% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 3,117 |
| Loan loss allowance to noncurrent loans | 21.6274% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 3.1825% | 854 |
| Noncurrent loans to loans | 6.9691% | 225 |
| Net loans and leases to total assets | 34.2652% | 6,168 |
| Net loans and leases to deposits | 38.0392% | 6,247 |
| Net loans and leases to core deposits | 38.6055% | 6,290 |
| Total domestic deposits to total assets | 90.0787% | 1,028 |
| Equity capital to assets | 9.8539% | 4,026 |
| Core capital (leverage) ratio | 9.0495% | 4,937 |
| Tier 1 risk-based capital ratio | 21.7598% | 1,329 |
| Total risk-based capital ratio | 22.9889% | 1,315 |
| Memoranda: | ||
| Average total assets | $38,909,000 | 6,262 |
| Average earning assets | $34,877,500 | 6,258 |
| Average equity | $3,823,000 | 6,287 |
| Average total loans | $13,541,000 | 6,399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,612 |
| Cost of funding earning assets | 0.3837% | 4,811 |
| Net interest margin | 3.1308% | 5,222 |
| Noninterest income to average assets | 0.3338% | 4,950 |
| Noninterest expense to average assets | 3.2980% | 2,157 |
| Loan and lease loss provision to assets | 0.2630% | 1,350 |
| Net operating income to assets | -0.5033% | 6,499 |
| Return on assets (ROA) | -0.3288% | 6,443 |
| Pretax return on assets | -0.3288% | 6,422 |
| Return on Equity (ROE) | -3.1686% | 6,437 |
| Retained earnings to average equity (ytd only) | -3.1686% | 6,277 |
| Net charge-offs to loans | 1.0143% | 568 |
| Credit loss provision to net charge-offs | 78.1955% | 3,092 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 5,230 |
| Efficiency ratio | 107.8577% | 307 |
| Assets per employee ($millions) | 3.5723% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,301 |
| Loan loss allowance to noncurrent loans | 23.6534% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 2.9724% | 1,067 |
| Noncurrent loans to loans | 6.2427% | 317 |
| Net loans and leases to total assets | 34.2995% | 6,278 |
| Net loans and leases to deposits | 38.0627% | 6,361 |
| Net loans and leases to core deposits | 38.9121% | 6,395 |
| Total domestic deposits to total assets | 90.1132% | 1,022 |
| Equity capital to assets | 9.7977% | 4,046 |
| Core capital (leverage) ratio | 9.2923% | 4,569 |
| Tier 1 risk-based capital ratio | 20.7693% | 1,470 |
| Total risk-based capital ratio | 21.9187% | 1,470 |
| Memoranda: | ||
| Average total assets | $39,539,200 | 6,301 |
| Average earning assets | $34,400,000 | 6,340 |
| Average equity | $4,102,800 | 6,302 |
| Average total loans | $13,112,400 | 6,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 5,628 |
| Cost of funding earning assets | 0.3977% | 4,835 |
| Net interest margin | 3.1268% | 5,243 |
| Noninterest income to average assets | 0.3367% | 4,998 |
| Noninterest expense to average assets | 3.1548% | 2,491 |
| Loan and lease loss provision to assets | 0.0269% | 4,470 |
| Net operating income to assets | -0.1023% | 6,382 |
| Return on assets (ROA) | -0.0808% | 6,404 |
| Pretax return on assets | -0.1145% | 6,411 |
| Return on Equity (ROE) | -0.7681% | 6,407 |
| Retained earnings to average equity (ytd only) | -0.7681% | 6,096 |
| Net charge-offs to loans | 0.4420% | 1,455 |
| Credit loss provision to net charge-offs | 18.6047% | 4,094 |
| Earnings coverage of net charge-offs (x) | -0.8141% | 4,991 |
| Efficiency ratio | 103.8803% | 364 |
| Assets per employee ($millions) | 3.2548% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 3,653 |
| Loan loss allowance to noncurrent loans | 21.5457% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 2.8829% | 1,289 |
| Noncurrent loans to loans | 6.7649% | 318 |
| Net loans and leases to total assets | 31.8501% | 6,456 |
| Net loans and leases to deposits | 35.4861% | 6,526 |
| Net loans and leases to core deposits | 36.3074% | 6,551 |
| Total domestic deposits to total assets | 89.7537% | 1,133 |
| Equity capital to assets | 10.2105% | 3,628 |
| Core capital (leverage) ratio | 9.7360% | 4,051 |
| Tier 1 risk-based capital ratio | 22.4701% | 1,229 |
| Total risk-based capital ratio | 23.5648% | 1,237 |
| Memoranda: | ||
| Average total assets | $39,600,250 | 6,367 |
| Average earning assets | $34,198,750 | 6,414 |
| Average equity | $4,166,000 | 6,361 |
| Average total loans | $12,970,500 | 6,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 5,603 |
| Cost of funding earning assets | 0.4142% | 4,815 |
| Net interest margin | 3.1271% | 5,196 |
| Noninterest income to average assets | 0.3519% | 4,872 |
| Noninterest expense to average assets | 3.0768% | 2,737 |
| Loan and lease loss provision to assets | 0.0402% | 4,152 |
| Net operating income to assets | -0.0430% | 6,349 |
| Return on assets (ROA) | -0.0302% | 6,391 |
| Pretax return on assets | -0.0503% | 6,397 |
| Return on Equity (ROE) | -0.2840% | 6,392 |
| Retained earnings to average equity (ytd only) | -0.2840% | 5,912 |
| Net charge-offs to loans | 0.6878% | 955 |
| Credit loss provision to net charge-offs | 17.7778% | 3,769 |
| Earnings coverage of net charge-offs (x) | -0.1333% | 4,593 |
| Efficiency ratio | 100.9901% | 457 |
| Assets per employee ($millions) | 3.5098% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 3,895 |
| Loan loss allowance to noncurrent loans | 25.3129% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 2.5720% | 1,632 |
| Noncurrent loans to loans | 5.6485% | 534 |
| Net loans and leases to total assets | 32.4984% | 6,486 |
| Net loans and leases to deposits | 36.2945% | 6,547 |
| Net loans and leases to core deposits | 37.1444% | 6,568 |
| Total domestic deposits to total assets | 89.5410% | 1,303 |
| Equity capital to assets | 10.4175% | 3,406 |
| Core capital (leverage) ratio | 9.7952% | 3,798 |
| Tier 1 risk-based capital ratio | 23.5657% | 1,055 |
| Total risk-based capital ratio | 24.6568% | 1,057 |
| Memoranda: | ||
| Average total assets | $39,781,000 | 6,409 |
| Average earning assets | $34,280,670 | 6,456 |
| Average equity | $4,225,330 | 6,402 |
| Average total loans | $13,086,000 | 6,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 5,719 |
| Cost of funding earning assets | 0.4165% | 4,943 |
| Net interest margin | 3.0775% | 5,339 |
| Noninterest income to average assets | 0.3567% | 4,817 |
| Noninterest expense to average assets | 3.0520% | 2,829 |
| Loan and lease loss provision to assets | 0.0793% | 3,318 |
| Net operating income to assets | -0.1040% | 6,444 |
| Return on assets (ROA) | -0.0892% | 6,486 |
| Pretax return on assets | -0.1189% | 6,496 |
| Return on Equity (ROE) | -0.8320% | 6,489 |
| Retained earnings to average equity (ytd only) | -0.8320% | 5,926 |
| Net charge-offs to loans | 1.2665% | 447 |
| Credit loss provision to net charge-offs | 19.0476% | 3,048 |
| Earnings coverage of net charge-offs (x) | -0.1429% | 3,858 |
| Efficiency ratio | 101.9868% | 485 |
| Assets per employee ($millions) | 3.4066% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,085 |
| Loan loss allowance to noncurrent loans | 30.7692% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.0915% | 2,244 |
| Noncurrent loans to loans | 4.6501% | 873 |
| Net loans and leases to total assets | 31.0086% | 6,563 |
| Net loans and leases to deposits | 34.6974% | 6,612 |
| Net loans and leases to core deposits | 35.4653% | 6,637 |
| Total domestic deposits to total assets | 89.3686% | 1,443 |
| Equity capital to assets | 10.5482% | 3,494 |
| Core capital (leverage) ratio | 9.6065% | 3,914 |
| Tier 1 risk-based capital ratio | 22.0885% | 1,315 |
| Total risk-based capital ratio | 23.1232% | 1,328 |
| Memoranda: | ||
| Average total assets | $40,367,500 | 6,448 |
| Average earning assets | $34,573,000 | 6,506 |
| Average equity | $4,327,000 | 6,440 |
| Average total loans | $13,264,500 | 6,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 5,769 |
| Cost of funding earning assets | 0.4799% | 5,351 |
| Net interest margin | 3.3415% | 5,101 |
| Noninterest income to average assets | 0.1912% | 6,037 |
| Noninterest expense to average assets | 3.1478% | 2,780 |
| Loan and lease loss provision to assets | 0.0372% | 5,416 |
| Net operating income to assets | 0.0044% | 6,159 |
| Return on assets (ROA) | 0.0298% | 6,264 |
| Pretax return on assets | -0.1018% | 6,365 |
| Return on Equity (ROE) | 0.2834% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.2834% | 5,713 |
| Net charge-offs to loans | 0.2626% | 3,365 |
| Credit loss provision to net charge-offs | 42.8571% | 4,866 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 5,775 |
| Efficiency ratio | 103.4258% | 452 |
| Assets per employee ($millions) | 3.3213% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,303 |
| Loan loss allowance to noncurrent loans | 44.7853% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.9922% | 2,462 |
| Noncurrent loans to loans | 3.5774% | 1,379 |
| Net loans and leases to total assets | 33.7465% | 6,558 |
| Net loans and leases to deposits | 37.9236% | 6,637 |
| Net loans and leases to core deposits | 38.4736% | 6,656 |
| Total domestic deposits to total assets | 88.9853% | 1,572 |
| Equity capital to assets | 10.8942% | 3,076 |
| Core capital (leverage) ratio | 9.7167% | 3,778 |
| Tier 1 risk-based capital ratio | 21.0647% | 1,444 |
| Total risk-based capital ratio | 22.2365% | 1,437 |
| Memoranda: | ||
| Average total assets | $40,282,000 | 6,492 |
| Average earning assets | $34,385,400 | 6,549 |
| Average equity | $4,234,600 | 6,516 |
| Average total loans | $13,328,000 | 6,722 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 5,935 |
| Cost of funding earning assets | 0.4952% | 5,464 |
| Net interest margin | 3.3415% | 5,242 |
| Noninterest income to average assets | 0.1750% | 6,258 |
| Noninterest expense to average assets | 3.0404% | 3,095 |
| Loan and lease loss provision to assets | 0.0495% | 5,145 |
| Net operating income to assets | 0.1037% | 6,124 |
| Return on assets (ROA) | 0.1354% | 6,206 |
| Pretax return on assets | -0.0363% | 6,433 |
| Return on Equity (ROE) | 1.2993% | 6,194 |
| Retained earnings to average equity (ytd only) | 1.2993% | 5,655 |
| Net charge-offs to loans | 0.4027% | 2,488 |
| Credit loss provision to net charge-offs | 37.5000% | 4,669 |
| Earnings coverage of net charge-offs (x) | -0.2751% | 5,435 |
| Efficiency ratio | 101.2088% | 505 |
| Assets per employee ($millions) | 3.3688% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 3,414 |
| Loan loss allowance to noncurrent loans | 45.7265% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9393% | 2,731 |
| Noncurrent loans to loans | 3.5652% | 1,517 |
| Net loans and leases to total assets | 31.9423% | 6,747 |
| Net loans and leases to deposits | 35.9774% | 6,813 |
| Net loans and leases to core deposits | 36.7850% | 6,839 |
| Total domestic deposits to total assets | 88.7844% | 1,542 |
| Equity capital to assets | 11.0177% | 3,252 |
| Core capital (leverage) ratio | 9.6188% | 4,092 |
| Tier 1 risk-based capital ratio | 19.8646% | 1,796 |
| Total risk-based capital ratio | 20.9295% | 1,810 |
| Memoranda: | ||
| Average total assets | $40,388,500 | 6,573 |
| Average earning assets | $34,195,250 | 6,634 |
| Average equity | $4,207,750 | 6,599 |
| Average total loans | $13,242,750 | 6,819 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 6,078 |
| Cost of funding earning assets | 0.5071% | 5,572 |
| Net interest margin | 3.3196% | 5,394 |
| Noninterest income to average assets | 0.0050% | 6,977 |
| Noninterest expense to average assets | 3.0414% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1702% | 6,512 |
| Return on assets (ROA) | -0.1189% | 6,551 |
| Pretax return on assets | -0.1734% | 6,573 |
| Return on Equity (ROE) | -1.1634% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.1634% | 6,234 |
| Net charge-offs to loans | 0.3464% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.1739% | 5,386 |
| Efficiency ratio | 108.8652% | 350 |
| Assets per employee ($millions) | 3.3398% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,403 |
| Loan loss allowance to noncurrent loans | 44.6281% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2182% | 2,520 |
| Noncurrent loans to loans | 3.7114% | 1,523 |
| Net loans and leases to total assets | 32.0009% | 6,807 |
| Net loans and leases to deposits | 35.9899% | 6,874 |
| Net loans and leases to core deposits | 36.8016% | 6,897 |
| Total domestic deposits to total assets | 88.9163% | 1,564 |
| Equity capital to assets | 10.3526% | 3,877 |
| Core capital (leverage) ratio | 9.3364% | 4,399 |
| Tier 1 risk-based capital ratio | 21.1941% | 1,441 |
| Total risk-based capital ratio | 22.4188% | 1,424 |
| Memoranda: | ||
| Average total assets | $40,376,000 | 6,620 |
| Average earning assets | $33,920,000 | 6,687 |
| Average equity | $4,125,670 | 6,650 |
| Average total loans | $13,281,330 | 6,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8445% | 6,155 |
| Cost of funding earning assets | 0.5055% | 5,779 |
| Net interest margin | 3.3389% | 5,338 |
| Noninterest income to average assets | 0.0888% | 6,791 |
| Noninterest expense to average assets | 3.0401% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1481% | 6,578 |
| Return on assets (ROA) | -0.1283% | 6,636 |
| Pretax return on assets | -0.1283% | 6,618 |
| Return on Equity (ROE) | -1.2640% | 6,639 |
| Retained earnings to average equity (ytd only) | -1.2640% | 6,186 |
| Net charge-offs to loans | 0.4477% | 1,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,553 |
| Efficiency ratio | 105.1195% | 429 |
| Assets per employee ($millions) | 3.3753% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 3,263 |
| Loan loss allowance to noncurrent loans | 38.7263% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 2.5282% | 2,345 |
| Noncurrent loans to loans | 4.4450% | 1,325 |
| Net loans and leases to total assets | 31.7162% | 6,843 |
| Net loans and leases to deposits | 35.5422% | 6,906 |
| Net loans and leases to core deposits | 36.3312% | 6,934 |
| Total domestic deposits to total assets | 89.2354% | 1,528 |
| Equity capital to assets | 10.1079% | 3,985 |
| Core capital (leverage) ratio | 9.1707% | 4,569 |
| Tier 1 risk-based capital ratio | 20.9044% | 1,515 |
| Total risk-based capital ratio | 22.1144% | 1,485 |
| Memoranda: | ||
| Average total assets | $40,525,500 | 6,668 |
| Average earning assets | $34,023,000 | 6,735 |
| Average equity | $4,114,000 | 6,690 |
| Average total loans | $13,401,500 | 6,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 4,668 |
| Cost of funding earning assets | 0.6734% | 5,694 |
| Net interest margin | 3.9302% | 3,208 |
| Noninterest income to average assets | 0.4468% | 4,242 |
| Noninterest expense to average assets | 3.2776% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2740% | 5,354 |
| Return on assets (ROA) | 0.2764% | 5,496 |
| Pretax return on assets | 0.3074% | 5,535 |
| Return on Equity (ROE) | 2.5948% | 5,442 |
| Retained earnings to average equity (ytd only) | -1.7703% | 6,127 |
| Net charge-offs to loans | -0.1752% | 7,200 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4924% | 1,078 |
| Assets per employee ($millions) | 3.3790% | 5,300 |
| Cash dividends to net income (ytd only)* | 168.2243% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 3,058 |
| Loan loss allowance to noncurrent loans | 40.1007% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6339% | 2,309 |
| Noncurrent loans to loans | 4.3402% | 1,396 |
| Net loans and leases to total assets | 33.2766% | 6,897 |
| Net loans and leases to deposits | 37.3436% | 6,968 |
| Net loans and leases to core deposits | 37.8730% | 7,006 |
| Total domestic deposits to total assets | 89.1092% | 1,476 |
| Equity capital to assets | 10.1953% | 3,910 |
| Core capital (leverage) ratio | 9.4184% | 4,157 |
| Tier 1 risk-based capital ratio | 16.7029% | 2,733 |
| Total risk-based capital ratio | 17.7641% | 2,781 |
| Memoranda: | ||
| Average total assets | $38,717,800 | 6,713 |
| Average earning assets | $30,888,800 | 6,841 |
| Average equity | $4,123,600 | 6,721 |
| Average total loans | $14,268,000 | 6,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 4,381 |
| Cost of funding earning assets | 0.7014% | 5,754 |
| Net interest margin | 4.0143% | 2,852 |
| Noninterest income to average assets | 0.4948% | 3,909 |
| Noninterest expense to average assets | 3.2688% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3558% | 5,182 |
| Return on assets (ROA) | 0.3589% | 5,356 |
| Pretax return on assets | 0.4008% | 5,471 |
| Return on Equity (ROE) | 3.3324% | 5,299 |
| Retained earnings to average equity (ytd only) | 0.4205% | 5,826 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1635% | 1,229 |
| Assets per employee ($millions) | 3.3423% | 5,382 |
| Cash dividends to net income (ytd only)* | 87.3808% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,896 |
| Loan loss allowance to noncurrent loans | 22.7176% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 3.3834% | 1,875 |
| Noncurrent loans to loans | 6.8142% | 745 |
| Net loans and leases to total assets | 33.9334% | 6,955 |
| Net loans and leases to deposits | 38.2604% | 7,026 |
| Net loans and leases to core deposits | 38.8114% | 7,068 |
| Total domestic deposits to total assets | 88.6905% | 1,630 |
| Equity capital to assets | 10.5590% | 3,631 |
| Core capital (leverage) ratio | 9.7765% | 3,734 |
| Tier 1 risk-based capital ratio | 20.5390% | 1,552 |
| Total risk-based capital ratio | 21.6809% | 1,553 |
| Memoranda: | ||
| Average total assets | $38,260,250 | 6,786 |
| Average earning assets | $30,224,250 | 6,929 |
| Average equity | $4,121,000 | 6,775 |
| Average total loans | $14,402,000 | 7,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,448 |
| Cost of funding earning assets | 0.7054% | 5,926 |
| Net interest margin | 4.0148% | 2,768 |
| Noninterest income to average assets | 0.5472% | 3,492 |
| Noninterest expense to average assets | 3.2462% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4524% | 4,706 |
| Return on assets (ROA) | 0.4569% | 4,819 |
| Pretax return on assets | 0.5419% | 4,931 |
| Return on Equity (ROE) | 4.2126% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.1959% | 5,877 |
| Net charge-offs to loans | -0.0137% | 6,753 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8146% | 1,622 |
| Assets per employee ($millions) | 3.1133% | 5,846 |
| Cash dividends to net income (ytd only)* | 104.6512% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 4,058 |
| Loan loss allowance to noncurrent loans | 21.5431% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 3.3244% | 1,996 |
| Noncurrent loans to loans | 7.0381% | 733 |
| Net loans and leases to total assets | 37.3796% | 6,892 |
| Net loans and leases to deposits | 42.3824% | 6,977 |
| Net loans and leases to core deposits | 43.0394% | 7,039 |
| Total domestic deposits to total assets | 88.1959% | 2,016 |
| Equity capital to assets | 11.0760% | 2,881 |
| Core capital (leverage) ratio | 10.1793% | 3,054 |
| Tier 1 risk-based capital ratio | 22.7122% | 1,162 |
| Total risk-based capital ratio | 23.9628% | 1,146 |
| Memoranda: | ||
| Average total assets | $37,644,330 | 6,866 |
| Average earning assets | $30,338,000 | 6,985 |
| Average equity | $4,083,000 | 6,825 |
| Average total loans | $14,594,670 | 7,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 4,219 |
| Cost of funding earning assets | 0.7507% | 5,854 |
| Net interest margin | 4.0167% | 2,621 |
| Noninterest income to average assets | 0.9845% | 1,377 |
| Noninterest expense to average assets | 3.1122% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9331% | 2,436 |
| Return on assets (ROA) | 0.9421% | 2,451 |
| Pretax return on assets | 1.1115% | 2,718 |
| Return on Equity (ROE) | 8.7782% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7782% | 1,460 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8693% | 3,536 |
| Assets per employee ($millions) | 3.1216% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,311 |
| Loan loss allowance to noncurrent loans | 17.3808% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 4.1298% | 1,606 |
| Noncurrent loans to loans | 8.4988% | 552 |
| Net loans and leases to total assets | 38.2819% | 6,887 |
| Net loans and leases to deposits | 43.2919% | 6,976 |
| Net loans and leases to core deposits | 44.8868% | 7,012 |
| Total domestic deposits to total assets | 88.4273% | 2,124 |
| Equity capital to assets | 11.0200% | 2,667 |
| Core capital (leverage) ratio | 10.2634% | 2,849 |
| Tier 1 risk-based capital ratio | 21.7903% | 1,261 |
| Total risk-based capital ratio | 22.9842% | 1,245 |
| Memoranda: | ||
| Average total assets | $37,786,500 | 6,913 |
| Average earning assets | $30,373,500 | 7,039 |
| Average equity | $4,055,500 | 6,868 |
| Average total loans | $14,802,000 | 7,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 4,215 |
| Cost of funding earning assets | 1.0197% | 5,594 |
| Net interest margin | 4.0541% | 2,787 |
| Noninterest income to average assets | 0.4142% | 4,789 |
| Noninterest expense to average assets | 3.5932% | 1,941 |
| Loan and lease loss provision to assets | 0.1875% | 5,355 |
| Net operating income to assets | -0.1399% | 6,035 |
| Return on assets (ROA) | -0.0840% | 6,035 |
| Pretax return on assets | -0.0840% | 5,985 |
| Return on Equity (ROE) | -0.7276% | 6,041 |
| Retained earnings to average equity (ytd only) | -5.0934% | 6,309 |
| Net charge-offs to loans | 0.5064% | 3,592 |
| Credit loss provision to net charge-offs | 85.8974% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.2179% | 5,886 |
| Efficiency ratio | 98.6933% | 840 |
| Assets per employee ($millions) | 2.9318% | 6,245 |
| Cash dividends to net income (ytd only)* | -600.0000% | 7,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,416 |
| Loan loss allowance to noncurrent loans | 35.6667% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3876% | 2,881 |
| Noncurrent loans to loans | 3.9870% | 1,823 |
| Net loans and leases to total assets | 38.9227% | 7,026 |
| Net loans and leases to deposits | 43.7146% | 7,127 |
| Net loans and leases to core deposits | 44.3710% | 7,191 |
| Total domestic deposits to total assets | 89.0381% | 1,639 |
| Equity capital to assets | 10.4502% | 3,212 |
| Core capital (leverage) ratio | 10.5294% | 2,528 |
| Tier 1 risk-based capital ratio | 23.5797% | 973 |
| Total risk-based capital ratio | 24.8278% | 955 |
| Memoranda: | ||
| Average total assets | $35,734,400 | 7,017 |
| Average earning assets | $28,440,400 | 7,152 |
| Average equity | $4,123,000 | 6,948 |
| Average total loans | $15,401,600 | 7,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 4,443 |
| Cost of funding earning assets | 1.0481% | 5,705 |
| Net interest margin | 4.0286% | 2,962 |
| Noninterest income to average assets | 0.3832% | 5,086 |
| Noninterest expense to average assets | 3.5477% | 1,913 |
| Loan and lease loss provision to assets | 0.2542% | 4,549 |
| Net operating income to assets | -0.1518% | 6,249 |
| Return on assets (ROA) | -0.0721% | 6,244 |
| Pretax return on assets | -0.0721% | 6,189 |
| Return on Equity (ROE) | -0.6092% | 6,236 |
| Retained earnings to average equity (ytd only) | -3.4952% | 6,406 |
| Net charge-offs to loans | 0.6111% | 2,909 |
| Credit loss provision to net charge-offs | 94.3662% | 4,593 |
| Earnings coverage of net charge-offs (x) | 0.3803% | 5,650 |
| Efficiency ratio | 97.1933% | 859 |
| Assets per employee ($millions) | 2.5651% | 6,992 |
| Cash dividends to net income (ytd only)* | -473.7465% | 7,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 4,275 |
| Loan loss allowance to noncurrent loans | 43.3925% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.1525% | 3,265 |
| Noncurrent loans to loans | 3.3124% | 2,391 |
| Net loans and leases to total assets | 42.0094% | 6,978 |
| Net loans and leases to deposits | 48.0232% | 7,089 |
| Net loans and leases to core deposits | 49.3055% | 7,146 |
| Total domestic deposits to total assets | 87.4774% | 2,273 |
| Equity capital to assets | 11.7875% | 2,296 |
| Core capital (leverage) ratio | 10.7969% | 2,414 |
| Tier 1 risk-based capital ratio | 22.0314% | 1,203 |
| Total risk-based capital ratio | 23.2701% | 1,175 |
| Memoranda: | ||
| Average total assets | $35,139,500 | 7,123 |
| Average earning assets | $28,495,250 | 7,227 |
| Average equity | $4,158,000 | 7,032 |
| Average total loans | $15,489,750 | 7,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 4,628 |
| Cost of funding earning assets | 1.0631% | 5,860 |
| Net interest margin | 4.0044% | 2,994 |
| Noninterest income to average assets | 0.3727% | 5,156 |
| Noninterest expense to average assets | 3.6064% | 1,764 |
| Loan and lease loss provision to assets | 0.3899% | 3,381 |
| Net operating income to assets | -0.3841% | 6,551 |
| Return on assets (ROA) | -0.3841% | 6,587 |
| Pretax return on assets | -0.3841% | 6,500 |
| Return on Equity (ROE) | -3.2422% | 6,540 |
| Retained earnings to average equity (ytd only) | -7.5974% | 6,783 |
| Net charge-offs to loans | 0.9903% | 1,870 |
| Credit loss provision to net charge-offs | 88.3117% | 4,468 |
| Earnings coverage of net charge-offs (x) | 0.0130% | 5,702 |
| Efficiency ratio | 99.8413% | 806 |
| Assets per employee ($millions) | 2.6879% | 6,796 |
| Cash dividends to net income (ytd only)* | -134.3284% | 7,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,474 |
| Loan loss allowance to noncurrent loans | 41.3002% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.1378% | 3,331 |
| Noncurrent loans to loans | 3.3640% | 2,376 |
| Net loans and leases to total assets | 43.8743% | 6,931 |
| Net loans and leases to deposits | 49.9967% | 7,069 |
| Net loans and leases to core deposits | 51.3619% | 7,161 |
| Total domestic deposits to total assets | 87.7543% | 2,135 |
| Equity capital to assets | 11.6475% | 2,322 |
| Core capital (leverage) ratio | 10.8316% | 2,376 |
| Tier 1 risk-based capital ratio | 23.1442% | 1,046 |
| Total risk-based capital ratio | 24.4313% | 1,019 |
| Memoranda: | ||
| Average total assets | $34,882,330 | 7,182 |
| Average earning assets | $28,218,670 | 7,284 |
| Average equity | $4,133,000 | 7,066 |
| Average total loans | $15,551,000 | 7,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 5,218 |
| Cost of funding earning assets | 1.0677% | 6,054 |
| Net interest margin | 3.8864% | 3,388 |
| Noninterest income to average assets | 0.3673% | 5,205 |
| Noninterest expense to average assets | 3.6727% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1722% | 6,510 |
| Return on assets (ROA) | -0.1607% | 6,569 |
| Pretax return on assets | -0.1607% | 6,516 |
| Return on Equity (ROE) | -1.3447% | 6,563 |
| Retained earnings to average equity (ytd only) | -1.3447% | 6,102 |
| Net charge-offs to loans | 0.9259% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.4167% | 5,253 |
| Efficiency ratio | 104.9180% | 703 |
| Assets per employee ($millions) | 2.7406% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,285 |
| Loan loss allowance to noncurrent loans | 38.2114% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 3,256 |
| Noncurrent loans to loans | 3.2426% | 2,465 |
| Net loans and leases to total assets | 42.0596% | 7,125 |
| Net loans and leases to deposits | 47.9704% | 7,236 |
| Net loans and leases to core deposits | 49.2555% | 7,311 |
| Total domestic deposits to total assets | 87.6782% | 2,247 |
| Equity capital to assets | 11.7744% | 2,184 |
| Core capital (leverage) ratio | 11.4270% | 1,955 |
| Tier 1 risk-based capital ratio | 25.1548% | 846 |
| Total risk-based capital ratio | 26.3303% | 832 |
| Memoranda: | ||
| Average total assets | $34,852,000 | 7,277 |
| Average earning assets | $28,098,000 | 7,389 |
| Average equity | $4,164,500 | 7,122 |
| Average total loans | $15,553,000 | 7,378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 3,942 |
| Cost of funding earning assets | 1.4846% | 5,575 |
| Net interest margin | 4.0529% | 2,639 |
| Noninterest income to average assets | 0.4249% | 5,008 |
| Noninterest expense to average assets | 3.7702% | 1,755 |
| Loan and lease loss provision to assets | 0.0748% | 6,839 |
| Net operating income to assets | 0.1676% | 5,004 |
| Return on assets (ROA) | 0.2843% | 4,681 |
| Pretax return on assets | 0.0539% | 5,317 |
| Return on Equity (ROE) | 2.3014% | 4,785 |
| Retained earnings to average equity (ytd only) | -2.0591% | 5,529 |
| Net charge-offs to loans | 0.1923% | 5,444 |
| Credit loss provision to net charge-offs | 83.3333% | 6,212 |
| Earnings coverage of net charge-offs (x) | 0.1333% | 6,025 |
| Efficiency ratio | 99.6835% | 1,118 |
| Assets per employee ($millions) | 2.6212% | 7,002 |
| Cash dividends to net income (ytd only)* | 189.4737% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,165 |
| Loan loss allowance to noncurrent loans | 24.7797% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 2.9874% | 2,347 |
| Noncurrent loans to loans | 5.6989% | 1,120 |
| Net loans and leases to total assets | 46.0970% | 6,961 |
| Net loans and leases to deposits | 52.7309% | 7,120 |
| Net loans and leases to core deposits | 59.6740% | 7,275 |
| Total domestic deposits to total assets | 87.4193% | 2,258 |
| Equity capital to assets | 12.1317% | 1,951 |
| Core capital (leverage) ratio | 12.0064% | 1,666 |
| Tier 1 risk-based capital ratio | 25.9847% | 763 |
| Total risk-based capital ratio | 27.2955% | 742 |
| Memoranda: | ||
| Average total assets | $33,420,400 | 7,351 |
| Average earning assets | $27,684,200 | 7,439 |
| Average equity | $4,128,000 | 7,241 |
| Average total loans | $15,598,000 | 7,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 4,267 |
| Cost of funding earning assets | 1.5714% | 5,534 |
| Net interest margin | 3.9600% | 2,994 |
| Noninterest income to average assets | 0.4210% | 5,125 |
| Noninterest expense to average assets | 3.7766% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0722% | 5,847 |
| Return on assets (ROA) | -0.0641% | 5,876 |
| Pretax return on assets | -0.0641% | 5,800 |
| Return on Equity (ROE) | -0.5169% | 5,857 |
| Retained earnings to average equity (ytd only) | -3.4249% | 6,014 |
| Net charge-offs to loans | 0.2664% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.5807% | 6,507 |
| Efficiency ratio | 101.9481% | 981 |
| Assets per employee ($millions) | 2.6302% | 6,986 |
| Cash dividends to net income (ytd only)* | -562.5879% | 8,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,569 |
| Loan loss allowance to noncurrent loans | 40.5295% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 3,725 |
| Noncurrent loans to loans | 3.1827% | 2,375 |
| Net loans and leases to total assets | 44.5354% | 7,208 |
| Net loans and leases to deposits | 51.2468% | 7,347 |
| Net loans and leases to core deposits | 58.7228% | 7,442 |
| Total domestic deposits to total assets | 86.9038% | 2,228 |
| Equity capital to assets | 12.2218% | 2,107 |
| Core capital (leverage) ratio | 11.8561% | 1,861 |
| Tier 1 risk-based capital ratio | 25.0342% | 896 |
| Total risk-based capital ratio | 26.2726% | 874 |
| Memoranda: | ||
| Average total assets | $33,256,500 | 7,415 |
| Average earning assets | $27,574,750 | 7,512 |
| Average equity | $4,126,500 | 7,312 |
| Average total loans | $15,514,250 | 7,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 4,413 |
| Cost of funding earning assets | 1.6221% | 5,654 |
| Net interest margin | 3.9133% | 3,046 |
| Noninterest income to average assets | 0.4250% | 5,080 |
| Noninterest expense to average assets | 3.6061% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0850% | 5,606 |
| Return on assets (ROA) | 0.0971% | 5,667 |
| Pretax return on assets | 0.0971% | 5,684 |
| Return on Equity (ROE) | 0.7788% | 5,699 |
| Retained earnings to average equity (ytd only) | -3.6018% | 6,068 |
| Net charge-offs to loans | 0.3989% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 5,250 |
| Efficiency ratio | 97.6974% | 1,279 |
| Assets per employee ($millions) | 2.5280% | 7,198 |
| Cash dividends to net income (ytd only)* | 562.5000% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,360 |
| Loan loss allowance to noncurrent loans | 59.7598% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 4,261 |
| Noncurrent loans to loans | 2.1514% | 3,311 |
| Net loans and leases to total assets | 46.4916% | 7,161 |
| Net loans and leases to deposits | 53.2388% | 7,325 |
| Net loans and leases to core deposits | 60.1749% | 7,445 |
| Total domestic deposits to total assets | 87.3266% | 2,089 |
| Equity capital to assets | 11.9918% | 2,212 |
| Core capital (leverage) ratio | 12.3223% | 1,687 |
| Tier 1 risk-based capital ratio | 25.4950% | 899 |
| Total risk-based capital ratio | 26.7333% | 883 |
| Memoranda: | ||
| Average total assets | $32,944,330 | 7,490 |
| Average earning assets | $27,495,670 | 7,579 |
| Average equity | $4,109,000 | 7,377 |
| Average total loans | $15,543,330 | 7,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 4,068 |
| Cost of funding earning assets | 1.6882% | 5,645 |
| Net interest margin | 3.9591% | 2,816 |
| Noninterest income to average assets | 0.4244% | 5,008 |
| Noninterest expense to average assets | 3.6017% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0364% | 6,173 |
| Return on assets (ROA) | 0.0606% | 6,252 |
| Pretax return on assets | 0.0606% | 6,255 |
| Return on Equity (ROE) | 0.4770% | 6,282 |
| Retained earnings to average equity (ytd only) | 0.4770% | 5,463 |
| Net charge-offs to loans | -0.0257% | 7,511 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0000% | 1,174 |
| Assets per employee ($millions) | 2.5288% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 2,969 |
| Loan loss allowance to noncurrent loans | 175.5725% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 5,329 |
| Noncurrent loans to loans | 0.8564% | 5,307 |
| Net loans and leases to total assets | 45.8295% | 7,202 |
| Net loans and leases to deposits | 52.8873% | 7,349 |
| Net loans and leases to core deposits | 59.3523% | 7,480 |
| Total domestic deposits to total assets | 86.6551% | 2,381 |
| Equity capital to assets | 12.7396% | 1,865 |
| Core capital (leverage) ratio | 12.4451% | 1,709 |
| Tier 1 risk-based capital ratio | 26.7776% | 830 |
| Total risk-based capital ratio | 28.0275% | 819 |
| Memoranda: | ||
| Average total assets | $32,984,500 | 7,532 |
| Average earning assets | $26,774,000 | 7,648 |
| Average equity | $4,193,000 | 7,385 |
| Average total loans | $15,576,000 | 7,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 6,657 |
| Cost of funding earning assets | 1.6865% | 7,290 |
| Net interest margin | 4.0503% | 2,907 |
| Noninterest income to average assets | 0.4709% | 4,872 |
| Noninterest expense to average assets | 3.7639% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3243% | 5,468 |
| Return on assets (ROA) | 0.3305% | 5,262 |
| Pretax return on assets | 0.3305% | 5,442 |
| Return on Equity (ROE) | 2.4667% | 5,433 |
| Retained earnings to average equity (ytd only) | -3.3510% | 6,193 |
| Net charge-offs to loans | 0.1181% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 3,539 |
| Efficiency ratio | 92.0671% | 1,378 |
| Assets per employee ($millions) | 2.5458% | 7,121 |
| Cash dividends to net income (ytd only)* | 235.8491% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 2,954 |
| Loan loss allowance to noncurrent loans | 78.6942% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 4,358 |
| Noncurrent loans to loans | 1.8353% | 3,009 |
| Net loans and leases to total assets | 47.2186% | 7,240 |
| Net loans and leases to deposits | 54.5007% | 7,406 |
| Net loans and leases to core deposits | 59.2201% | 7,617 |
| Total domestic deposits to total assets | 86.6385% | 2,121 |
| Equity capital to assets | 12.6847% | 1,928 |
| Core capital (leverage) ratio | 12.9556% | 1,558 |
| Tier 1 risk-based capital ratio | 25.2198% | 968 |
| Total risk-based capital ratio | 26.4717% | 950 |
| Memoranda: | ||
| Average total assets | $32,067,800 | 7,559 |
| Average earning assets | $28,640,000 | 7,583 |
| Average equity | $4,297,200 | 7,392 |
| Average total loans | $15,241,800 | 7,628 |