Home > The Woodbury Banking Company > Performance and Condition Ratios
The Woodbury Banking Company, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,566 |
| Cost of funding earning assets | 0.5604% | 1,614 |
| Net interest margin | 3.9231% | 1,904 |
| Noninterest income to average assets | -1.9865% | 6,056 |
| Noninterest expense to average assets | 5.1740% | 245 |
| Loan and lease loss provision to assets | 0.5779% | 195 |
| Net operating income to assets | -4.8308% | 6,049 |
| Return on assets (ROA) | -4.5058% | 6,048 |
| Pretax return on assets | -4.5058% | 6,045 |
| Return on Equity (ROE) | -195.4295% | 6,057 |
| Retained earnings to average equity (ytd only) | -195.4295% | 6,057 |
| Net charge-offs to loans | 2.7361% | 51 |
| Credit loss provision to net charge-offs | 47.7612% | 2,694 |
| Earnings coverage of net charge-offs (x) | -3.5149% | 3,621 |
| Efficiency ratio | 561.7647% | 5 |
| Assets per employee ($millions) | 2.3807% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9085% | 85 |
| Loan loss allowance to noncurrent loans | 46.9677% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 14.1884% | 23 |
| Noncurrent loans to loans | 8.3217% | 59 |
| Net loans and leases to total assets | 41.7670% | 5,346 |
| Net loans and leases to deposits | 42.3681% | 5,605 |
| Net loans and leases to core deposits | 42.3681% | 5,671 |
| Total domestic deposits to total assets | 98.5812% | 1 |
| Equity capital to assets | 1.0315% | 6,058 |
| Core capital (leverage) ratio | 0.8151% | 6,058 |
| Tier 1 risk-based capital ratio | 1.5947% | 6,058 |
| Total risk-based capital ratio | 2.8635% | 6,058 |
| Memoranda: | ||
| Average total assets | $22,149,330 | 5,953 |
| Average earning assets | $16,415,670 | 5,984 |
| Average equity | $510,670 | 6,057 |
| Average total loans | $9,795,000 | 5,907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,490 |
| Cost of funding earning assets | 0.5722% | 1,530 |
| Net interest margin | 3.9340% | 1,833 |
| Noninterest income to average assets | 0.5508% | 2,800 |
| Noninterest expense to average assets | 4.3890% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9062% | 6,019 |
| Return on assets (ROA) | -0.5686% | 5,986 |
| Pretax return on assets | -0.5686% | 5,977 |
| Return on Equity (ROE) | -19.5271% | 6,063 |
| Retained earnings to average equity (ytd only) | -19.5271% | 5,958 |
| Net charge-offs to loans | -0.0797% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.0204% | 83 |
| Assets per employee ($millions) | 2.4943% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3872% | 69 |
| Loan loss allowance to noncurrent loans | 42.3712% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 14.3793% | 25 |
| Noncurrent loans to loans | 10.3542% | 40 |
| Net loans and leases to total assets | 42.3271% | 5,334 |
| Net loans and leases to deposits | 43.7699% | 5,599 |
| Net loans and leases to core deposits | 43.7699% | 5,664 |
| Total domestic deposits to total assets | 96.7036% | 7 |
| Equity capital to assets | 2.9890% | 6,106 |
| Core capital (leverage) ratio | 2.8650% | 6,107 |
| Tier 1 risk-based capital ratio | 4.9053% | 6,104 |
| Total risk-based capital ratio | 6.1749% | 6,105 |
| Memoranda: | ||
| Average total assets | $22,511,000 | 6,005 |
| Average earning assets | $16,777,000 | 6,043 |
| Average equity | $655,500 | 6,119 |
| Average total loans | $10,036,000 | 5,961 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 1,629 |
| Cost of funding earning assets | 0.5559% | 1,712 |
| Net interest margin | 3.9342% | 1,914 |
| Noninterest income to average assets | -0.4144% | 6,173 |
| Noninterest expense to average assets | 4.5411% | 401 |
| Loan and lease loss provision to assets | 1.5336% | 47 |
| Net operating income to assets | -3.3748% | 6,168 |
| Return on assets (ROA) | -3.3321% | 6,169 |
| Pretax return on assets | -3.3321% | 6,167 |
| Return on Equity (ROE) | -68.8316% | 6,173 |
| Retained earnings to average equity (ytd only) | -68.8316% | 6,172 |
| Net charge-offs to loans | 2.6880% | 42 |
| Credit loss provision to net charge-offs | 102.5714% | 2,446 |
| Earnings coverage of net charge-offs (x) | -1.2314% | 4,339 |
| Efficiency ratio | 168.1962% | 25 |
| Assets per employee ($millions) | 2.8216% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2826% | 69 |
| Loan loss allowance to noncurrent loans | 41.1765% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 14.4908% | 28 |
| Noncurrent loans to loans | 10.4006% | 35 |
| Net loans and leases to total assets | 42.9717% | 5,350 |
| Net loans and leases to deposits | 44.3429% | 5,642 |
| Net loans and leases to core deposits | 44.3429% | 5,704 |
| Total domestic deposits to total assets | 96.9078% | 5 |
| Equity capital to assets | 2.8352% | 6,167 |
| Core capital (leverage) ratio | 2.8924% | 6,168 |
| Tier 1 risk-based capital ratio | 4.8713% | 6,165 |
| Total risk-based capital ratio | 6.1442% | 6,166 |
| Memoranda: | ||
| Average total assets | $23,408,600 | 6,050 |
| Average earning assets | $18,529,800 | 6,076 |
| Average equity | $1,133,200 | 6,169 |
| Average total loans | $13,020,800 | 5,954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 1,014 |
| Cost of funding earning assets | 0.5490% | 1,813 |
| Net interest margin | 4.2021% | 1,160 |
| Noninterest income to average assets | -0.6718% | 6,262 |
| Noninterest expense to average assets | 4.4373% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.7388% | 6,222 |
| Return on assets (ROA) | -1.6823% | 6,221 |
| Pretax return on assets | -1.6823% | 6,216 |
| Return on Equity (ROE) | -31.6212% | 6,243 |
| Retained earnings to average equity (ytd only) | -31.6212% | 6,232 |
| Net charge-offs to loans | -0.0776% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.4351% | 27 |
| Assets per employee ($millions) | 2.6748% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6322% | 126 |
| Loan loss allowance to noncurrent loans | 92.7195% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 11.0746% | 46 |
| Noncurrent loans to loans | 3.9175% | 340 |
| Net loans and leases to total assets | 47.7215% | 5,102 |
| Net loans and leases to deposits | 50.2911% | 5,461 |
| Net loans and leases to core deposits | 50.2911% | 5,570 |
| Total domestic deposits to total assets | 94.8905% | 19 |
| Equity capital to assets | 4.7896% | 6,232 |
| Core capital (leverage) ratio | 4.7781% | 6,231 |
| Tier 1 risk-based capital ratio | 8.1923% | 6,215 |
| Total risk-based capital ratio | 9.4630% | 6,216 |
| Memoranda: | ||
| Average total assets | $23,617,500 | 6,131 |
| Average earning assets | $18,942,500 | 6,156 |
| Average equity | $1,256,500 | 6,251 |
| Average total loans | $13,742,500 | 6,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 926 |
| Cost of funding earning assets | 0.5140% | 2,121 |
| Net interest margin | 4.2663% | 983 |
| Noninterest income to average assets | -1.2188% | 6,341 |
| Noninterest expense to average assets | 4.3042% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.9859% | 6,304 |
| Return on assets (ROA) | -1.9006% | 6,301 |
| Pretax return on assets | -1.9006% | 6,299 |
| Return on Equity (ROE) | -34.5469% | 6,322 |
| Retained earnings to average equity (ytd only) | -34.5469% | 6,307 |
| Net charge-offs to loans | -0.0697% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.6618% | 19 |
| Assets per employee ($millions) | 2.3776% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9486% | 284 |
| Loan loss allowance to noncurrent loans | 22.6913% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 11.0195% | 53 |
| Noncurrent loans to loans | 12.9946% | 30 |
| Net loans and leases to total assets | 59.5264% | 3,901 |
| Net loans and leases to deposits | 62.8185% | 4,638 |
| Net loans and leases to core deposits | 62.8185% | 4,886 |
| Total domestic deposits to total assets | 94.7594% | 21 |
| Equity capital to assets | 4.9378% | 6,302 |
| Core capital (leverage) ratio | 5.1945% | 6,293 |
| Tier 1 risk-based capital ratio | 7.8295% | 6,291 |
| Total risk-based capital ratio | 9.1029% | 6,290 |
| Memoranda: | ||
| Average total assets | $23,465,670 | 6,210 |
| Average earning assets | $19,455,000 | 6,223 |
| Average equity | $1,291,000 | 6,322 |
| Average total loans | $14,349,670 | 6,050 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 780 |
| Cost of funding earning assets | 0.4997% | 2,281 |
| Net interest margin | 4.3517% | 797 |
| Noninterest income to average assets | -2.0763% | 6,414 |
| Noninterest expense to average assets | 4.2728% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.7627% | 6,382 |
| Return on assets (ROA) | -2.5911% | 6,382 |
| Pretax return on assets | -2.5911% | 6,380 |
| Return on Equity (ROE) | -44.7573% | 6,398 |
| Retained earnings to average equity (ytd only) | -44.7573% | 6,380 |
| Net charge-offs to loans | -0.0843% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 282.9545% | 9 |
| Assets per employee ($millions) | 2.3435% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9689% | 306 |
| Loan loss allowance to noncurrent loans | 29.0563% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 9.7674% | 67 |
| Noncurrent loans to loans | 10.2178% | 58 |
| Net loans and leases to total assets | 59.6885% | 3,700 |
| Net loans and leases to deposits | 63.3514% | 4,447 |
| Net loans and leases to core deposits | 63.3514% | 4,756 |
| Total domestic deposits to total assets | 94.2180% | 26 |
| Equity capital to assets | 5.5174% | 6,354 |
| Core capital (leverage) ratio | 5.6577% | 6,342 |
| Tier 1 risk-based capital ratio | 8.8206% | 6,328 |
| Total risk-based capital ratio | 10.0892% | 6,322 |
| Memoranda: | ||
| Average total assets | $23,310,500 | 6,275 |
| Average earning assets | $19,211,000 | 6,295 |
| Average equity | $1,349,500 | 6,389 |
| Average total loans | $14,233,000 | 6,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 564 |
| Cost of funding earning assets | 0.4622% | 3,050 |
| Net interest margin | 4.6958% | 524 |
| Noninterest income to average assets | 0.1034% | 6,144 |
| Noninterest expense to average assets | 4.5824% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6288% | 6,325 |
| Return on assets (ROA) | -0.5383% | 6,304 |
| Pretax return on assets | -0.5383% | 6,297 |
| Return on Equity (ROE) | -8.6721% | 6,344 |
| Retained earnings to average equity (ytd only) | -8.6721% | 6,279 |
| Net charge-offs to loans | -0.0141% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9041% | 150 |
| Assets per employee ($millions) | 2.3186% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0249% | 290 |
| Loan loss allowance to noncurrent loans | 26.6792% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 11.3085% | 67 |
| Noncurrent loans to loans | 11.3381% | 53 |
| Net loans and leases to total assets | 58.7639% | 3,951 |
| Net loans and leases to deposits | 62.6783% | 4,667 |
| Net loans and leases to core deposits | 62.6783% | 4,947 |
| Total domestic deposits to total assets | 93.7549% | 40 |
| Equity capital to assets | 6.0640% | 6,409 |
| Core capital (leverage) ratio | 6.1475% | 6,402 |
| Tier 1 risk-based capital ratio | 9.5378% | 6,344 |
| Total risk-based capital ratio | 10.8008% | 6,322 |
| Memoranda: | ||
| Average total assets | $23,219,400 | 6,370 |
| Average earning assets | $19,038,400 | 6,383 |
| Average equity | $1,441,400 | 6,468 |
| Average total loans | $14,146,600 | 6,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 312 |
| Cost of funding earning assets | 0.4689% | 3,058 |
| Net interest margin | 5.0461% | 270 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 4.4371% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2985% | 6,315 |
| Return on assets (ROA) | -0.1779% | 6,265 |
| Pretax return on assets | -0.1779% | 6,246 |
| Return on Equity (ROE) | -2.8499% | 6,312 |
| Retained earnings to average equity (ytd only) | -2.8499% | 6,132 |
| Net charge-offs to loans | 0.0094% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -52.1278% | 4,678 |
| Efficiency ratio | 107.2122% | 257 |
| Assets per employee ($millions) | 2.3277% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0498% | 347 |
| Loan loss allowance to noncurrent loans | 20.7779% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 13.2362% | 50 |
| Noncurrent loans to loans | 14.6780% | 38 |
| Net loans and leases to total assets | 57.6320% | 4,122 |
| Net loans and leases to deposits | 61.7207% | 4,771 |
| Net loans and leases to core deposits | 61.7207% | 5,056 |
| Total domestic deposits to total assets | 93.3754% | 59 |
| Equity capital to assets | 6.3110% | 6,461 |
| Core capital (leverage) ratio | 6.6567% | 6,423 |
| Tier 1 risk-based capital ratio | 10.2600% | 6,283 |
| Total risk-based capital ratio | 11.5235% | 6,241 |
| Memoranda: | ||
| Average total assets | $23,227,750 | 6,442 |
| Average earning assets | $19,050,500 | 6,457 |
| Average equity | $1,450,250 | 6,545 |
| Average total loans | $14,170,750 | 6,253 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 286 |
| Cost of funding earning assets | 0.4593% | 3,223 |
| Net interest margin | 5.0833% | 245 |
| Noninterest income to average assets | -0.2240% | 6,628 |
| Noninterest expense to average assets | 4.3858% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4136% | 6,419 |
| Return on assets (ROA) | -0.2326% | 6,348 |
| Pretax return on assets | -0.2326% | 6,329 |
| Return on Equity (ROE) | -3.7396% | 6,407 |
| Retained earnings to average equity (ytd only) | -3.7396% | 6,156 |
| Net charge-offs to loans | -0.0700% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4121% | 225 |
| Assets per employee ($millions) | 2.2865% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9301% | 411 |
| Loan loss allowance to noncurrent loans | 52.9048% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 7.4349% | 158 |
| Noncurrent loans to loans | 5.5384% | 319 |
| Net loans and leases to total assets | 62.0118% | 3,403 |
| Net loans and leases to deposits | 66.4620% | 4,228 |
| Net loans and leases to core deposits | 66.4620% | 4,598 |
| Total domestic deposits to total assets | 93.3042% | 71 |
| Equity capital to assets | 6.4028% | 6,502 |
| Core capital (leverage) ratio | 6.7542% | 6,467 |
| Tier 1 risk-based capital ratio | 10.3923% | 6,286 |
| Total risk-based capital ratio | 11.6556% | 6,233 |
| Memoranda: | ||
| Average total assets | $23,211,330 | 6,511 |
| Average earning assets | $19,160,670 | 6,520 |
| Average equity | $1,444,000 | 6,607 |
| Average total loans | $14,282,000 | 6,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 286 |
| Cost of funding earning assets | 0.4630% | 3,284 |
| Net interest margin | 5.0506% | 244 |
| Noninterest income to average assets | 0.4276% | 3,966 |
| Noninterest expense to average assets | 4.3619% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1711% | 5,877 |
| Return on assets (ROA) | 0.2395% | 5,739 |
| Pretax return on assets | 0.2395% | 5,853 |
| Return on Equity (ROE) | 3.9052% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.9052% | 3,773 |
| Net charge-offs to loans | -0.0567% | 5,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2264% | 627 |
| Assets per employee ($millions) | 2.2832% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0040% | 432 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 5.9566% | 289 |
| Noncurrent loans to loans | 0.8411% | 3,785 |
| Net loans and leases to total assets | 60.1042% | 3,546 |
| Net loans and leases to deposits | 64.3879% | 4,275 |
| Net loans and leases to core deposits | 64.3879% | 4,659 |
| Total domestic deposits to total assets | 93.3471% | 88 |
| Equity capital to assets | 6.4471% | 6,529 |
| Core capital (leverage) ratio | 6.7593% | 6,513 |
| Tier 1 risk-based capital ratio | 10.5039% | 6,333 |
| Total risk-based capital ratio | 11.7670% | 6,295 |
| Memoranda: | ||
| Average total assets | $23,384,500 | 6,578 |
| Average earning assets | $19,007,500 | 6,590 |
| Average equity | $1,434,000 | 6,673 |
| Average total loans | $14,119,500 | 6,376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 713 |
| Cost of funding earning assets | 0.5058% | 3,548 |
| Net interest margin | 4.6426% | 556 |
| Noninterest income to average assets | 0.4637% | 4,001 |
| Noninterest expense to average assets | 3.9001% | 993 |
| Loan and lease loss provision to assets | 0.1035% | 3,065 |
| Net operating income to assets | 0.2981% | 5,533 |
| Return on assets (ROA) | 0.4140% | 5,211 |
| Pretax return on assets | 0.4140% | 5,466 |
| Return on Equity (ROE) | 6.7852% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7852% | 1,533 |
| Net charge-offs to loans | -0.0411% | 6,287 |
| Credit loss provision to net charge-offs | -416.6667% | 6,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6641% | 974 |
| Assets per employee ($millions) | 2.3937% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0019% | 466 |
| Loan loss allowance to noncurrent loans | 136.8932% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 5.6022% | 371 |
| Noncurrent loans to loans | 2.1929% | 1,784 |
| Net loans and leases to total assets | 57.0999% | 4,179 |
| Net loans and leases to deposits | 60.7575% | 4,865 |
| Net loans and leases to core deposits | 60.7575% | 5,159 |
| Total domestic deposits to total assets | 93.9800% | 82 |
| Equity capital to assets | 5.8320% | 6,632 |
| Core capital (leverage) ratio | 6.5276% | 6,594 |
| Tier 1 risk-based capital ratio | 10.4228% | 6,394 |
| Total risk-based capital ratio | 11.6945% | 6,337 |
| Memoranda: | ||
| Average total assets | $24,153,000 | 6,634 |
| Average earning assets | $19,967,400 | 6,660 |
| Average equity | $1,473,800 | 6,760 |
| Average total loans | $14,600,000 | 6,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 834 |
| Cost of funding earning assets | 0.5218% | 3,548 |
| Net interest margin | 4.5377% | 692 |
| Noninterest income to average assets | 0.4406% | 4,216 |
| Noninterest expense to average assets | 3.8225% | 1,052 |
| Loan and lease loss provision to assets | 0.1322% | 2,631 |
| Net operating income to assets | 0.2699% | 5,711 |
| Return on assets (ROA) | 0.4241% | 5,288 |
| Pretax return on assets | 0.4241% | 5,566 |
| Return on Equity (ROE) | 6.8749% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.8749% | 1,937 |
| Net charge-offs to loans | -0.0543% | 6,343 |
| Credit loss provision to net charge-offs | -400.0000% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4824% | 955 |
| Assets per employee ($millions) | 2.6227% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6898% | 750 |
| Loan loss allowance to noncurrent loans | 129.8462% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 5.7829% | 436 |
| Noncurrent loans to loans | 2.0715% | 2,167 |
| Net loans and leases to total assets | 64.6797% | 2,885 |
| Net loans and leases to deposits | 69.0003% | 3,932 |
| Net loans and leases to core deposits | 69.0003% | 4,433 |
| Total domestic deposits to total assets | 93.7383% | 85 |
| Equity capital to assets | 5.9524% | 6,703 |
| Core capital (leverage) ratio | 6.5144% | 6,665 |
| Tier 1 risk-based capital ratio | 9.6780% | 6,660 |
| Total risk-based capital ratio | 10.9449% | 6,638 |
| Memoranda: | ||
| Average total assets | $24,207,000 | 6,714 |
| Average earning assets | $20,186,000 | 6,728 |
| Average equity | $1,493,250 | 6,836 |
| Average total loans | $14,727,250 | 6,492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 829 |
| Cost of funding earning assets | 0.5558% | 3,353 |
| Net interest margin | 4.5058% | 703 |
| Noninterest income to average assets | 0.4589% | 4,100 |
| Noninterest expense to average assets | 3.7283% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4507% | 5,010 |
| Return on assets (ROA) | 0.6064% | 4,428 |
| Pretax return on assets | 0.6064% | 4,993 |
| Return on Equity (ROE) | 9.7198% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.7198% | 907 |
| Net charge-offs to loans | -0.0555% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2157% | 1,112 |
| Assets per employee ($millions) | 2.6657% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7856% | 720 |
| Loan loss allowance to noncurrent loans | 76.4479% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 6.6275% | 365 |
| Noncurrent loans to loans | 3.6438% | 1,125 |
| Net loans and leases to total assets | 57.6049% | 4,048 |
| Net loans and leases to deposits | 61.5426% | 4,795 |
| Net loans and leases to core deposits | 61.5426% | 5,139 |
| Total domestic deposits to total assets | 93.6018% | 80 |
| Equity capital to assets | 6.2148% | 6,725 |
| Core capital (leverage) ratio | 6.4991% | 6,699 |
| Tier 1 risk-based capital ratio | 10.3296% | 6,559 |
| Total risk-based capital ratio | 11.5976% | 6,526 |
| Memoranda: | ||
| Average total assets | $24,408,000 | 6,757 |
| Average earning assets | $20,152,000 | 6,776 |
| Average equity | $1,522,670 | 6,882 |
| Average total loans | $14,406,670 | 6,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 820 |
| Cost of funding earning assets | 0.5655% | 3,423 |
| Net interest margin | 4.4853% | 694 |
| Noninterest income to average assets | 0.5525% | 3,421 |
| Noninterest expense to average assets | 3.7861% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5037% | 4,637 |
| Return on assets (ROA) | 0.6662% | 4,018 |
| Pretax return on assets | 0.6662% | 4,720 |
| Return on Equity (ROE) | 10.6597% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.6597% | 947 |
| Net charge-offs to loans | -0.0276% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2576% | 1,303 |
| Assets per employee ($millions) | 2.5828% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7201% | 892 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 6.3368% | 486 |
| Noncurrent loans to loans | 3.6268% | 1,309 |
| Net loans and leases to total assets | 60.4646% | 3,350 |
| Net loans and leases to deposits | 64.9612% | 4,193 |
| Net loans and leases to core deposits | 64.9612% | 4,656 |
| Total domestic deposits to total assets | 93.0781% | 120 |
| Equity capital to assets | 6.7068% | 6,757 |
| Core capital (leverage) ratio | 6.3318% | 6,768 |
| Tier 1 risk-based capital ratio | 10.1292% | 6,668 |
| Total risk-based capital ratio | 11.3945% | 6,652 |
| Memoranda: | ||
| Average total assets | $24,616,500 | 6,825 |
| Average earning assets | $20,511,500 | 6,843 |
| Average equity | $1,538,500 | 6,949 |
| Average total loans | $14,502,000 | 6,605 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 2,204 |
| Cost of funding earning assets | 0.7726% | 2,892 |
| Net interest margin | 4.0265% | 2,283 |
| Noninterest income to average assets | 0.3804% | 4,747 |
| Noninterest expense to average assets | 3.9154% | 1,083 |
| Loan and lease loss provision to assets | 1.0874% | 352 |
| Net operating income to assets | -1.1181% | 6,775 |
| Return on assets (ROA) | -0.9452% | 6,744 |
| Pretax return on assets | -0.9452% | 6,720 |
| Return on Equity (ROE) | -14.6446% | 6,821 |
| Retained earnings to average equity (ytd only) | -14.6446% | 6,771 |
| Net charge-offs to loans | 1.7582% | 470 |
| Credit loss provision to net charge-offs | 104.0441% | 2,877 |
| Earnings coverage of net charge-offs (x) | -0.0294% | 5,500 |
| Efficiency ratio | 100.7913% | 532 |
| Assets per employee ($millions) | 2.3625% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6930% | 927 |
| Loan loss allowance to noncurrent loans | 74.3833% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 5.7527% | 626 |
| Noncurrent loans to loans | 3.6205% | 1,355 |
| Net loans and leases to total assets | 54.5021% | 4,548 |
| Net loans and leases to deposits | 58.0111% | 5,238 |
| Net loans and leases to core deposits | 60.4886% | 5,322 |
| Total domestic deposits to total assets | 93.9511% | 69 |
| Equity capital to assets | 5.8412% | 6,899 |
| Core capital (leverage) ratio | 5.7911% | 6,872 |
| Tier 1 risk-based capital ratio | 9.3051% | 6,825 |
| Total risk-based capital ratio | 10.5237% | 6,826 |
| Memoranda: | ||
| Average total assets | $26,025,400 | 6,844 |
| Average earning assets | $22,650,000 | 6,850 |
| Average equity | $1,679,800 | 7,003 |
| Average total loans | $15,470,200 | 6,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 2,897 |
| Cost of funding earning assets | 0.8049% | 2,899 |
| Net interest margin | 3.8741% | 3,012 |
| Noninterest income to average assets | 0.3687% | 4,886 |
| Noninterest expense to average assets | 3.8819% | 1,086 |
| Loan and lease loss provision to assets | 1.0345% | 385 |
| Net operating income to assets | -1.1215% | 6,891 |
| Return on assets (ROA) | -0.8911% | 6,858 |
| Pretax return on assets | -0.8911% | 6,832 |
| Return on Equity (ROE) | -13.4858% | 6,908 |
| Retained earnings to average equity (ytd only) | -13.4858% | 6,879 |
| Net charge-offs to loans | 2.3016% | 286 |
| Credit loss provision to net charge-offs | 74.5387% | 3,783 |
| Earnings coverage of net charge-offs (x) | -0.0627% | 5,359 |
| Efficiency ratio | 102.2942% | 467 |
| Assets per employee ($millions) | 2.2815% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 2,112 |
| Loan loss allowance to noncurrent loans | 25.0200% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 7.0447% | 509 |
| Noncurrent loans to loans | 8.0717% | 381 |
| Net loans and leases to total assets | 60.3140% | 3,713 |
| Net loans and leases to deposits | 64.6080% | 4,643 |
| Net loans and leases to core deposits | 67.4885% | 4,776 |
| Total domestic deposits to total assets | 93.3538% | 90 |
| Equity capital to assets | 6.3673% | 6,959 |
| Core capital (leverage) ratio | 5.9992% | 6,947 |
| Tier 1 risk-based capital ratio | 9.7145% | 6,864 |
| Total risk-based capital ratio | 10.9708% | 6,854 |
| Memoranda: | ||
| Average total assets | $26,034,750 | 6,928 |
| Average earning assets | $23,024,000 | 6,926 |
| Average equity | $1,720,250 | 7,088 |
| Average total loans | $15,698,750 | 6,702 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 3,097 |
| Cost of funding earning assets | 0.8597% | 2,727 |
| Net interest margin | 3.7998% | 3,365 |
| Noninterest income to average assets | 0.4175% | 4,523 |
| Noninterest expense to average assets | 3.8106% | 1,199 |
| Loan and lease loss provision to assets | 0.0835% | 4,552 |
| Net operating income to assets | -0.1215% | 6,460 |
| Return on assets (ROA) | 0.2201% | 6,041 |
| Pretax return on assets | 0.2201% | 6,120 |
| Return on Equity (ROE) | 3.2936% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.2936% | 4,414 |
| Net charge-offs to loans | 0.3168% | 2,762 |
| Credit loss provision to net charge-offs | 44.0000% | 4,171 |
| Earnings coverage of net charge-offs (x) | -0.2000% | 5,161 |
| Efficiency ratio | 101.0060% | 525 |
| Assets per employee ($millions) | 2.3375% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4568% | 1,343 |
| Loan loss allowance to noncurrent loans | 26.5557% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 6.4364% | 639 |
| Noncurrent loans to loans | 9.2516% | 315 |
| Net loans and leases to total assets | 56.6678% | 4,370 |
| Net loans and leases to deposits | 61.0687% | 5,121 |
| Net loans and leases to core deposits | 67.4521% | 4,853 |
| Total domestic deposits to total assets | 92.7935% | 139 |
| Equity capital to assets | 6.9459% | 6,919 |
| Core capital (leverage) ratio | 6.7259% | 6,882 |
| Tier 1 risk-based capital ratio | 11.4138% | 6,270 |
| Total risk-based capital ratio | 12.6755% | 6,238 |
| Memoranda: | ||
| Average total assets | $26,347,330 | 6,977 |
| Average earning assets | $23,264,670 | 6,980 |
| Average equity | $1,761,000 | 7,135 |
| Average total loans | $15,782,000 | 6,749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 3,671 |
| Cost of funding earning assets | 0.8680% | 2,937 |
| Net interest margin | 3.6931% | 3,865 |
| Noninterest income to average assets | 0.4200% | 4,516 |
| Noninterest expense to average assets | 3.7953% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1200% | 6,562 |
| Return on assets (ROA) | 0.2400% | 6,000 |
| Pretax return on assets | 0.2400% | 6,109 |
| Return on Equity (ROE) | 3.6603% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.6603% | 4,385 |
| Net charge-offs to loans | 0.8393% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2353% | 4,450 |
| Efficiency ratio | 103.2653% | 462 |
| Assets per employee ($millions) | 2.4146% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2829% | 1,704 |
| Loan loss allowance to noncurrent loans | 26.7954% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 5.8281% | 822 |
| Noncurrent loans to loans | 8.5197% | 425 |
| Net loans and leases to total assets | 55.9203% | 4,400 |
| Net loans and leases to deposits | 59.9758% | 5,150 |
| Net loans and leases to core deposits | 65.9899% | 4,909 |
| Total domestic deposits to total assets | 93.2382% | 126 |
| Equity capital to assets | 6.5547% | 7,001 |
| Core capital (leverage) ratio | 6.5272% | 6,964 |
| Tier 1 risk-based capital ratio | 10.9794% | 6,546 |
| Total risk-based capital ratio | 12.2398% | 6,531 |
| Memoranda: | ||
| Average total assets | $26,664,500 | 7,034 |
| Average earning assets | $23,503,500 | 7,032 |
| Average equity | $1,748,500 | 7,193 |
| Average total loans | $16,204,000 | 6,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 1,292 |
| Cost of funding earning assets | 1.1659% | 2,245 |
| Net interest margin | 4.2846% | 1,754 |
| Noninterest income to average assets | 0.4180% | 4,469 |
| Noninterest expense to average assets | 3.9495% | 1,115 |
| Loan and lease loss provision to assets | 0.4937% | 2,134 |
| Net operating income to assets | -0.2775% | 6,324 |
| Return on assets (ROA) | 0.2883% | 5,454 |
| Pretax return on assets | 0.2883% | 5,594 |
| Return on Equity (ROE) | 4.3436% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.3436% | 3,085 |
| Net charge-offs to loans | 0.2470% | 4,233 |
| Credit loss provision to net charge-offs | 334.1463% | 698 |
| Earnings coverage of net charge-offs (x) | 1.4634% | 4,670 |
| Efficiency ratio | 94.8097% | 874 |
| Assets per employee ($millions) | 2.4335% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2141% | 1,776 |
| Loan loss allowance to noncurrent loans | 42.7609% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 4.3672% | 1,268 |
| Noncurrent loans to loans | 5.1778% | 1,063 |
| Net loans and leases to total assets | 62.8624% | 3,437 |
| Net loans and leases to deposits | 67.4916% | 4,511 |
| Net loans and leases to core deposits | 74.2062% | 4,210 |
| Total domestic deposits to total assets | 93.1411% | 131 |
| Equity capital to assets | 6.5601% | 7,041 |
| Core capital (leverage) ratio | 6.2300% | 7,023 |
| Tier 1 risk-based capital ratio | 9.7642% | 6,909 |
| Total risk-based capital ratio | 11.0248% | 6,897 |
| Memoranda: | ||
| Average total assets | $27,750,000 | 7,033 |
| Average earning assets | $24,273,000 | 7,032 |
| Average equity | $1,841,800 | 7,233 |
| Average total loans | $16,598,800 | 6,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 1,812 |
| Cost of funding earning assets | 1.2316% | 2,108 |
| Net interest margin | 4.0797% | 2,552 |
| Noninterest income to average assets | 0.4334% | 4,413 |
| Noninterest expense to average assets | 3.5814% | 1,751 |
| Loan and lease loss provision to assets | 0.1476% | 4,603 |
| Net operating income to assets | 0.2381% | 5,595 |
| Return on assets (ROA) | 0.9858% | 2,528 |
| Pretax return on assets | 0.9858% | 3,455 |
| Return on Equity (ROE) | 14.8123% | 864 |
| Retained earnings to average equity (ytd only) | 14.8123% | 242 |
| Net charge-offs to loans | 0.3405% | 3,394 |
| Credit loss provision to net charge-offs | 73.8095% | 4,358 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 4,204 |
| Efficiency ratio | 90.2761% | 1,148 |
| Assets per employee ($millions) | 2.5393% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,581 |
| Loan loss allowance to noncurrent loans | 32.1596% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 4.5826% | 1,300 |
| Noncurrent loans to loans | 5.0325% | 1,233 |
| Net loans and leases to total assets | 59.6305% | 4,203 |
| Net loans and leases to deposits | 64.2469% | 5,134 |
| Net loans and leases to core deposits | 71.1248% | 4,826 |
| Total domestic deposits to total assets | 92.8147% | 143 |
| Equity capital to assets | 6.8309% | 7,084 |
| Core capital (leverage) ratio | 6.5434% | 7,065 |
| Tier 1 risk-based capital ratio | 10.8161% | 6,652 |
| Total risk-based capital ratio | 12.0709% | 6,632 |
| Memoranda: | ||
| Average total assets | $27,995,500 | 7,095 |
| Average earning assets | $24,249,500 | 7,103 |
| Average equity | $1,863,250 | 7,305 |
| Average total loans | $16,446,500 | 6,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3198% | 1,823 |
| Cost of funding earning assets | 1.2969% | 1,957 |
| Net interest margin | 4.0229% | 2,727 |
| Noninterest income to average assets | 0.4140% | 4,560 |
| Noninterest expense to average assets | 3.4836% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4069% | 4,910 |
| Return on assets (ROA) | 1.5277% | 894 |
| Pretax return on assets | 1.5277% | 1,447 |
| Return on Equity (ROE) | 23.1560% | 195 |
| Retained earnings to average equity (ytd only) | 23.1560% | 66 |
| Net charge-offs to loans | -0.1228% | 7,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5413% | 1,274 |
| Assets per employee ($millions) | 2.5297% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 3,078 |
| Loan loss allowance to noncurrent loans | 29.8886% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 5.0850% | 1,198 |
| Noncurrent loans to loans | 5.9383% | 1,015 |
| Net loans and leases to total assets | 58.6696% | 4,518 |
| Net loans and leases to deposits | 63.2766% | 5,367 |
| Net loans and leases to core deposits | 70.0837% | 5,065 |
| Total domestic deposits to total assets | 92.7193% | 146 |
| Equity capital to assets | 6.8818% | 7,130 |
| Core capital (leverage) ratio | 6.5469% | 7,116 |
| Tier 1 risk-based capital ratio | 11.5197% | 6,156 |
| Total risk-based capital ratio | 12.8319% | 6,099 |
| Memoranda: | ||
| Average total assets | $28,016,670 | 7,162 |
| Average earning assets | $24,211,330 | 7,170 |
| Average equity | $1,848,330 | 7,374 |
| Average total loans | $16,285,330 | 6,966 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 1,792 |
| Cost of funding earning assets | 1.3982% | 1,619 |
| Net interest margin | 3.9282% | 3,010 |
| Noninterest income to average assets | 0.3842% | 4,838 |
| Noninterest expense to average assets | 3.4434% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2988% | 5,411 |
| Return on assets (ROA) | 2.5328% | 176 |
| Pretax return on assets | 2.5328% | 241 |
| Return on Equity (ROE) | 39.2287% | 46 |
| Retained earnings to average equity (ytd only) | 39.2287% | 35 |
| Net charge-offs to loans | -0.9679% | 7,483 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0152% | 1,165 |
| Assets per employee ($millions) | 2.5564% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 2,405 |
| Loan loss allowance to noncurrent loans | 38.0282% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 4.5519% | 1,417 |
| Noncurrent loans to loans | 5.2752% | 1,255 |
| Net loans and leases to total assets | 56.2838% | 4,949 |
| Net loans and leases to deposits | 60.4268% | 5,682 |
| Net loans and leases to core deposits | 66.8172% | 5,431 |
| Total domestic deposits to total assets | 93.1437% | 124 |
| Equity capital to assets | 6.5327% | 7,199 |
| Core capital (leverage) ratio | 6.4293% | 7,185 |
| Tier 1 risk-based capital ratio | 11.4634% | 6,131 |
| Total risk-based capital ratio | 12.7205% | 6,110 |
| Memoranda: | ||
| Average total assets | $28,111,500 | 7,209 |
| Average earning assets | $24,031,500 | 7,225 |
| Average equity | $1,815,000 | 7,432 |
| Average total loans | $16,117,500 | 7,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 2,260 |
| Cost of funding earning assets | 1.5527% | 2,342 |
| Net interest margin | 3.9527% | 3,252 |
| Noninterest income to average assets | 0.4002% | 4,909 |
| Noninterest expense to average assets | 3.1560% | 3,249 |
| Loan and lease loss provision to assets | 2.8307% | 359 |
| Net operating income to assets | -2.2385% | 7,124 |
| Return on assets (ROA) | -2.2060% | 7,130 |
| Pretax return on assets | -2.1995% | 7,091 |
| Return on Equity (ROE) | -28.3872% | 7,196 |
| Retained earnings to average equity (ytd only) | -28.3872% | 7,184 |
| Net charge-offs to loans | 3.8515% | 344 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 0.2644% | 5,844 |
| Efficiency ratio | 84.0555% | 1,917 |
| Assets per employee ($millions) | 2.8103% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,952 |
| Loan loss allowance to noncurrent loans | 52.5830% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.4516% | 2,020 |
| Noncurrent loans to loans | 3.3698% | 2,255 |
| Net loans and leases to total assets | 56.2182% | 5,308 |
| Net loans and leases to deposits | 60.4238% | 6,008 |
| Net loans and leases to core deposits | 67.5749% | 5,701 |
| Total domestic deposits to total assets | 93.0399% | 139 |
| Equity capital to assets | 6.3801% | 7,277 |
| Core capital (leverage) ratio | 5.6537% | 7,348 |
| Tier 1 risk-based capital ratio | 10.2388% | 6,853 |
| Total risk-based capital ratio | 11.4947% | 6,827 |
| Memoranda: | ||
| Average total assets | $30,734,800 | 7,181 |
| Average earning assets | $26,083,400 | 7,223 |
| Average equity | $2,388,400 | 7,426 |
| Average total loans | $18,070,800 | 7,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 2,737 |
| Cost of funding earning assets | 1.5803% | 2,507 |
| Net interest margin | 3.8508% | 3,747 |
| Noninterest income to average assets | 0.4205% | 4,796 |
| Noninterest expense to average assets | 2.9688% | 3,859 |
| Loan and lease loss provision to assets | 0.2124% | 4,941 |
| Net operating income to assets | 0.5097% | 4,274 |
| Return on assets (ROA) | 0.5521% | 4,253 |
| Pretax return on assets | 0.5521% | 4,752 |
| Return on Equity (ROE) | 6.8314% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.8314% | 1,930 |
| Net charge-offs to loans | 0.0502% | 6,021 |
| Credit loss provision to net charge-offs | 714.2857% | 416 |
| Earnings coverage of net charge-offs (x) | 24.2937% | 1,035 |
| Efficiency ratio | 80.4373% | 2,285 |
| Assets per employee ($millions) | 2.9009% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 6,918 |
| Loan loss allowance to noncurrent loans | 20.5882% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 4.7847% | 1,377 |
| Noncurrent loans to loans | 4.0792% | 1,823 |
| Net loans and leases to total assets | 62.6805% | 4,389 |
| Net loans and leases to deposits | 69.5787% | 5,211 |
| Net loans and leases to core deposits | 77.8149% | 4,823 |
| Total domestic deposits to total assets | 90.0858% | 835 |
| Equity capital to assets | 9.3109% | 5,122 |
| Core capital (leverage) ratio | 8.1570% | 6,103 |
| Tier 1 risk-based capital ratio | 13.4833% | 4,218 |
| Total risk-based capital ratio | 14.3264% | 4,494 |
| Memoranda: | ||
| Average total assets | $31,392,750 | 7,244 |
| Average earning assets | $26,660,500 | 7,292 |
| Average equity | $2,537,250 | 7,483 |
| Average total loans | $18,567,500 | 7,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 2,213 |
| Cost of funding earning assets | 1.6590% | 2,333 |
| Net interest margin | 3.9207% | 3,349 |
| Noninterest income to average assets | 0.4350% | 4,652 |
| Noninterest expense to average assets | 2.9018% | 4,072 |
| Loan and lease loss provision to assets | 0.0932% | 5,984 |
| Net operating income to assets | 0.7146% | 3,335 |
| Return on assets (ROA) | 0.7581% | 3,314 |
| Pretax return on assets | 0.7581% | 4,035 |
| Return on Equity (ROE) | 9.8281% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.8281% | 884 |
| Net charge-offs to loans | 0.1073% | 5,087 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,620 |
| Efficiency ratio | 78.2245% | 2,691 |
| Assets per employee ($millions) | 3.2132% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 7,346 |
| Loan loss allowance to noncurrent loans | 9.6266% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 4.5998% | 1,424 |
| Noncurrent loans to loans | 6.7094% | 874 |
| Net loans and leases to total assets | 55.5334% | 5,777 |
| Net loans and leases to deposits | 60.7497% | 6,337 |
| Net loans and leases to core deposits | 66.4383% | 6,210 |
| Total domestic deposits to total assets | 91.4135% | 357 |
| Equity capital to assets | 8.1134% | 6,639 |
| Core capital (leverage) ratio | 8.0292% | 6,235 |
| Tier 1 risk-based capital ratio | 13.5456% | 4,041 |
| Total risk-based capital ratio | 14.1856% | 4,461 |
| Memoranda: | ||
| Average total assets | $32,187,330 | 7,278 |
| Average earning assets | $26,883,000 | 7,341 |
| Average equity | $2,482,670 | 7,554 |
| Average total loans | $18,644,330 | 7,141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 2,874 |
| Cost of funding earning assets | 1.8860% | 1,507 |
| Net interest margin | 3.5509% | 4,945 |
| Noninterest income to average assets | 0.4222% | 4,723 |
| Noninterest expense to average assets | 2.9179% | 3,987 |
| Loan and lease loss provision to assets | 0.1862% | 4,645 |
| Net operating income to assets | 0.3104% | 5,251 |
| Return on assets (ROA) | 0.3973% | 4,994 |
| Pretax return on assets | 0.3973% | 5,296 |
| Return on Equity (ROE) | 5.2882% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.2882% | 2,991 |
| Net charge-offs to loans | 0.1685% | 3,910 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,492 |
| Efficiency ratio | 85.4545% | 1,855 |
| Assets per employee ($millions) | 3.2620% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 7,432 |
| Loan loss allowance to noncurrent loans | 12.2153% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 2.9614% | 2,429 |
| Noncurrent loans to loans | 5.2969% | 1,334 |
| Net loans and leases to total assets | 55.5457% | 5,810 |
| Net loans and leases to deposits | 60.2621% | 6,440 |
| Net loans and leases to core deposits | 66.3846% | 6,254 |
| Total domestic deposits to total assets | 92.1735% | 214 |
| Equity capital to assets | 7.4770% | 7,090 |
| Core capital (leverage) ratio | 7.6756% | 6,651 |
| Tier 1 risk-based capital ratio | 12.9957% | 4,337 |
| Total risk-based capital ratio | 13.6439% | 4,787 |
| Memoranda: | ||
| Average total assets | $32,215,000 | 7,368 |
| Average earning assets | $27,148,000 | 7,422 |
| Average equity | $2,420,500 | 7,657 |
| Average total loans | $18,986,500 | 7,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 3,437 |
| Cost of funding earning assets | 2.2284% | 1,907 |
| Net interest margin | 3.4024% | 5,349 |
| Noninterest income to average assets | 0.3111% | 5,856 |
| Noninterest expense to average assets | 3.1759% | 3,454 |
| Loan and lease loss provision to assets | 0.0324% | 7,206 |
| Net operating income to assets | 0.1325% | 5,105 |
| Return on assets (ROA) | 0.1944% | 4,988 |
| Pretax return on assets | 0.2139% | 4,974 |
| Return on Equity (ROE) | 2.4714% | 4,725 |
| Retained earnings to average equity (ytd only) | -0.4119% | 5,067 |
| Net charge-offs to loans | 0.1194% | 5,982 |
| Credit loss provision to net charge-offs | 45.4545% | 6,791 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,876 |
| Efficiency ratio | 94.6860% | 1,368 |
| Assets per employee ($millions) | 3.1810% | 5,765 |
| Cash dividends to net income (ytd only)* | 116.6667% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5624% | 7,605 |
| Loan loss allowance to noncurrent loans | 11.1222% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 2,201 |
| Noncurrent loans to loans | 5.0567% | 1,332 |
| Net loans and leases to total assets | 61.6944% | 5,056 |
| Net loans and leases to deposits | 67.4144% | 5,897 |
| Net loans and leases to core deposits | 107.4812% | 3,160 |
| Total domestic deposits to total assets | 91.5152% | 375 |
| Equity capital to assets | 7.5511% | 6,986 |
| Core capital (leverage) ratio | 7.4773% | 6,812 |
| Tier 1 risk-based capital ratio | 12.0245% | 4,929 |
| Total risk-based capital ratio | 12.5966% | 5,520 |
| Memoranda: | ||
| Average total assets | $30,857,000 | 7,444 |
| Average earning assets | $27,598,400 | 7,440 |
| Average equity | $2,427,800 | 7,750 |
| Average total loans | $18,423,000 | 7,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 3,559 |
| Cost of funding earning assets | 2.2271% | 2,287 |
| Net interest margin | 3.4256% | 5,169 |
| Noninterest income to average assets | 0.2830% | 6,212 |
| Noninterest expense to average assets | 2.9132% | 4,401 |
| Loan and lease loss provision to assets | 0.0435% | 6,934 |
| Net operating income to assets | 0.3653% | 4,532 |
| Return on assets (ROA) | 0.4485% | 4,302 |
| Pretax return on assets | 0.4921% | 4,540 |
| Return on Equity (ROE) | 5.6416% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.6416% | 2,133 |
| Net charge-offs to loans | -0.0074% | 7,653 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7704% | 1,984 |
| Assets per employee ($millions) | 3.3084% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 7,398 |
| Loan loss allowance to noncurrent loans | 20.0000% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 2.0251% | 3,310 |
| Noncurrent loans to loans | 3.4476% | 2,169 |
| Net loans and leases to total assets | 58.3364% | 5,839 |
| Net loans and leases to deposits | 63.6040% | 6,535 |
| Net loans and leases to core deposits | 97.9994% | 4,600 |
| Total domestic deposits to total assets | 91.7181% | 219 |
| Equity capital to assets | 7.5082% | 7,289 |
| Core capital (leverage) ratio | 7.9609% | 6,427 |
| Tier 1 risk-based capital ratio | 12.6683% | 4,423 |
| Total risk-based capital ratio | 13.3623% | 4,817 |
| Memoranda: | ||
| Average total assets | $30,618,750 | 7,517 |
| Average earning assets | $27,479,000 | 7,516 |
| Average equity | $2,434,250 | 7,824 |
| Average total loans | $18,094,750 | 7,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 3,551 |
| Cost of funding earning assets | 2.2275% | 2,675 |
| Net interest margin | 3.4699% | 4,936 |
| Noninterest income to average assets | 0.4094% | 5,201 |
| Noninterest expense to average assets | 2.9802% | 4,158 |
| Loan and lease loss provision to assets | 0.0671% | 6,534 |
| Net operating income to assets | 0.5080% | 4,059 |
| Return on assets (ROA) | 0.6175% | 3,718 |
| Pretax return on assets | 0.6444% | 4,178 |
| Return on Equity (ROE) | 7.6106% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.6106% | 1,351 |
| Net charge-offs to loans | 0.0227% | 6,178 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 752 |
| Efficiency ratio | 83.3021% | 2,566 |
| Assets per employee ($millions) | 2.9455% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 7,393 |
| Loan loss allowance to noncurrent loans | 467.8571% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 6,190 |
| Noncurrent loans to loans | 0.1521% | 7,143 |
| Net loans and leases to total assets | 62.0370% | 5,355 |
| Net loans and leases to deposits | 68.0255% | 6,185 |
| Net loans and leases to core deposits | 102.6573% | 4,213 |
| Total domestic deposits to total assets | 91.1967% | 405 |
| Equity capital to assets | 8.1650% | 6,540 |
| Core capital (leverage) ratio | 8.1086% | 6,149 |
| Tier 1 risk-based capital ratio | 13.6087% | 3,752 |
| Total risk-based capital ratio | 14.3408% | 3,991 |
| Memoranda: | ||
| Average total assets | $29,797,000 | 7,611 |
| Average earning assets | $27,205,330 | 7,590 |
| Average equity | $2,417,670 | 7,900 |
| Average total loans | $17,648,330 | 7,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 3,577 |
| Cost of funding earning assets | 2.2551% | 2,903 |
| Net interest margin | 3.4865% | 4,782 |
| Noninterest income to average assets | 0.4538% | 4,735 |
| Noninterest expense to average assets | 2.9632% | 3,925 |
| Loan and lease loss provision to assets | 0.0667% | 6,114 |
| Net operating income to assets | 0.4680% | 4,577 |
| Return on assets (ROA) | 0.6674% | 3,896 |
| Pretax return on assets | 0.8009% | 4,073 |
| Return on Equity (ROE) | 8.2508% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.2508% | 1,728 |
| Net charge-offs to loans | -0.0232% | 7,477 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5279% | 2,473 |
| Assets per employee ($millions) | 3.0547% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 7,401 |
| Loan loss allowance to noncurrent loans | 441.3793% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 6,027 |
| Noncurrent loans to loans | 0.1617% | 7,065 |
| Net loans and leases to total assets | 58.2971% | 5,897 |
| Net loans and leases to deposits | 63.7343% | 6,585 |
| Net loans and leases to core deposits | 93.9340% | 5,157 |
| Total domestic deposits to total assets | 91.4689% | 283 |
| Equity capital to assets | 7.9942% | 6,819 |
| Core capital (leverage) ratio | 7.7831% | 6,769 |
| Tier 1 risk-based capital ratio | 13.1604% | 4,079 |
| Total risk-based capital ratio | 13.8640% | 4,382 |
| Memoranda: | ||
| Average total assets | $29,968,000 | 7,650 |
| Average earning assets | $26,961,500 | 7,640 |
| Average equity | $2,424,000 | 7,949 |
| Average total loans | $17,270,500 | 7,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4276% | 3,287 |
| Cost of funding earning assets | 2.4792% | 4,322 |
| Net interest margin | 3.9484% | 3,370 |
| Noninterest income to average assets | 0.4701% | 4,876 |
| Noninterest expense to average assets | 3.1389% | 3,553 |
| Loan and lease loss provision to assets | 0.1085% | 5,985 |
| Net operating income to assets | 0.6103% | 4,259 |
| Return on assets (ROA) | 0.6075% | 4,136 |
| Pretax return on assets | 0.7956% | 4,092 |
| Return on Equity (ROE) | 7.1569% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.6636% | 2,873 |
| Net charge-offs to loans | 0.7637% | 1,624 |
| Credit loss provision to net charge-offs | 25.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | 2.0917% | 5,029 |
| Efficiency ratio | 77.5693% | 2,981 |
| Assets per employee ($millions) | 2.9389% | 6,198 |
| Cash dividends to net income (ytd only)* | 48.8095% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 7,326 |
| Loan loss allowance to noncurrent loans | 26.5659% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 2,488 |
| Noncurrent loans to loans | 2.7883% | 1,951 |
| Net loans and leases to total assets | 56.0822% | 6,430 |
| Net loans and leases to deposits | 61.5115% | 6,989 |
| Net loans and leases to core deposits | 84.9763% | 6,212 |
| Total domestic deposits to total assets | 91.1736% | 278 |
| Equity capital to assets | 8.1867% | 6,569 |
| Core capital (leverage) ratio | 8.7743% | 5,075 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,578 |
| Total risk-based capital ratio | 14.1515% | 4,089 |
| Memoranda: | ||
| Average total assets | $27,652,800 | 7,742 |
| Average earning assets | $25,048,400 | 7,737 |
| Average equity | $2,347,400 | 8,037 |
| Average total loans | $15,712,600 | 7,605 |