Home > Tightwad Bank > Performance and Condition Ratios
Tightwad 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 | 4.1439% | 2,652 |
| Cost of funding earning assets | 0.2368% | 5,155 |
| Net interest margin | 3.9071% | 1,871 |
| Noninterest income to average assets | 3.1003% | 212 |
| Noninterest expense to average assets | 10.6789% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -3.7893% | 6,397 |
| Return on assets (ROA) | -3.7893% | 6,396 |
| Pretax return on assets | -3.7893% | 6,395 |
| Return on Equity (ROE) | -24.8822% | 6,372 |
| Retained earnings to average equity (ytd only) | -24.8822% | 6,309 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.0000% | 44 |
| Assets per employee ($millions) | 1.4555% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.3782% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.9416% | 2,149 |
| Net loans and leases to deposits | 84.9395% | 1,959 |
| Net loans and leases to core deposits | 84.9395% | 2,663 |
| Total domestic deposits to total assets | 82.3428% | 4,402 |
| Equity capital to assets | 17.6572% | 360 |
| Core capital (leverage) ratio | 14.6773% | 657 |
| Tier 1 risk-based capital ratio | 30.6317% | 510 |
| Total risk-based capital ratio | 32.1216% | 497 |
| Memoranda: | ||
| Average total assets | $3,483,500 | 6,428 |
| Average earning assets | $3,378,500 | 6,412 |
| Average equity | $530,500 | 6,417 |
| Average total loans | $2,416,000 | 6,374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 5,724 |
| Cost of funding earning assets | 0.3475% | 4,281 |
| Net interest margin | 2.9360% | 5,574 |
| Noninterest income to average assets | -0.0986% | 6,450 |
| Noninterest expense to average assets | 6.9171% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -4.2390% | 6,490 |
| Return on assets (ROA) | -4.2390% | 6,490 |
| Pretax return on assets | -4.2390% | 6,490 |
| Return on Equity (ROE) | -38.3472% | 6,476 |
| Retained earnings to average equity (ytd only) | -38.3472% | 6,472 |
| Net charge-offs to loans | -1.0456% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 258.2822% | 11 |
| Assets per employee ($millions) | 2.0280% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.2514% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.6903% | 4,898 |
| Net loans and leases to deposits | 58.5922% | 5,018 |
| Net loans and leases to core deposits | 58.5922% | 5,226 |
| Total domestic deposits to total assets | 86.5138% | 2,566 |
| Equity capital to assets | 13.4862% | 1,169 |
| Core capital (leverage) ratio | 12.1475% | 1,536 |
| Tier 1 risk-based capital ratio | 27.7243% | 628 |
| Total risk-based capital ratio | 29.1941% | 606 |
| Memoranda: | ||
| Average total assets | $6,086,400 | 6,510 |
| Average earning assets | $5,756,200 | 6,494 |
| Average equity | $672,800 | 6,505 |
| Average total loans | $3,156,200 | 6,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 5,857 |
| Cost of funding earning assets | 0.3432% | 4,422 |
| Net interest margin | 2.8960% | 5,710 |
| Noninterest income to average assets | -0.1415% | 6,540 |
| Noninterest expense to average assets | 6.6726% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -4.0845% | 6,570 |
| Return on assets (ROA) | -4.0845% | 6,571 |
| Pretax return on assets | -4.0845% | 6,571 |
| Return on Equity (ROE) | -38.2435% | 6,555 |
| Retained earnings to average equity (ytd only) | -38.2435% | 6,552 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 257.8125% | 11 |
| Assets per employee ($millions) | 2.4300% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6978% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 2,940 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 47.6749% | 5,236 |
| Net loans and leases to deposits | 54.4280% | 5,348 |
| Net loans and leases to core deposits | 54.4280% | 5,541 |
| Total domestic deposits to total assets | 87.5926% | 1,984 |
| Equity capital to assets | 12.4074% | 1,766 |
| Core capital (leverage) ratio | 10.3626% | 3,196 |
| Tier 1 risk-based capital ratio | 26.0475% | 784 |
| Total risk-based capital ratio | 27.4730% | 746 |
| Memoranda: | ||
| Average total assets | $6,594,000 | 6,588 |
| Average earning assets | $6,215,500 | 6,572 |
| Average equity | $704,250 | 6,583 |
| Average total loans | $3,338,750 | 6,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 6,005 |
| Cost of funding earning assets | 0.3566% | 4,357 |
| Net interest margin | 2.7932% | 5,925 |
| Noninterest income to average assets | -0.2231% | 6,627 |
| Noninterest expense to average assets | 6.1629% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -3.7646% | 6,638 |
| Return on assets (ROA) | -3.7646% | 6,639 |
| Pretax return on assets | -3.7646% | 6,639 |
| Return on Equity (ROE) | -36.5854% | 6,623 |
| Retained earnings to average equity (ytd only) | -36.5854% | 6,607 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 256.9767% | 13 |
| Assets per employee ($millions) | 2.3460% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0597% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 3,890 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 42.8105% | 5,622 |
| Net loans and leases to deposits | 47.3147% | 5,808 |
| Net loans and leases to core deposits | 47.3147% | 5,938 |
| Total domestic deposits to total assets | 90.4803% | 598 |
| Equity capital to assets | 9.5055% | 4,740 |
| Core capital (leverage) ratio | 9.3868% | 4,487 |
| Tier 1 risk-based capital ratio | 22.5937% | 1,172 |
| Total risk-based capital ratio | 23.9784% | 1,133 |
| Memoranda: | ||
| Average total assets | $7,172,000 | 6,652 |
| Average earning assets | $6,730,670 | 6,638 |
| Average equity | $738,000 | 6,648 |
| Average total loans | $3,567,000 | 6,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 5,972 |
| Cost of funding earning assets | 0.3515% | 4,525 |
| Net interest margin | 2.8710% | 5,809 |
| Noninterest income to average assets | -0.1658% | 6,677 |
| Noninterest expense to average assets | 6.1334% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -3.5917% | 6,699 |
| Return on assets (ROA) | -3.5917% | 6,698 |
| Pretax return on assets | -3.5917% | 6,698 |
| Return on Equity (ROE) | -33.6570% | 6,670 |
| Retained earnings to average equity (ytd only) | -33.6570% | 6,631 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.3043% | 17 |
| Assets per employee ($millions) | 2.3990% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2914% | 14 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 3,800 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.7135% | 5,357 |
| Net loans and leases to deposits | 50.9603% | 5,527 |
| Net loans and leases to core deposits | 50.9603% | 5,691 |
| Total domestic deposits to total assets | 89.7040% | 1,239 |
| Equity capital to assets | 10.2821% | 3,503 |
| Core capital (leverage) ratio | 10.1328% | 3,384 |
| Tier 1 risk-based capital ratio | 20.4589% | 1,598 |
| Total risk-based capital ratio | 21.7584% | 1,555 |
| Memoranda: | ||
| Average total assets | $7,239,000 | 6,725 |
| Average earning assets | $6,827,000 | 6,711 |
| Average equity | $772,500 | 6,716 |
| Average total loans | $3,675,500 | 6,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 5,090 |
| Cost of funding earning assets | 0.5234% | 3,365 |
| Net interest margin | 3.1914% | 5,029 |
| Noninterest income to average assets | 0.0832% | 6,447 |
| Noninterest expense to average assets | 5.3476% | 273 |
| Loan and lease loss provision to assets | 1.4023% | 109 |
| Net operating income to assets | -3.6839% | 6,782 |
| Return on assets (ROA) | -3.6839% | 6,781 |
| Pretax return on assets | -3.6958% | 6,779 |
| Return on Equity (ROE) | -33.4701% | 6,737 |
| Retained earnings to average equity (ytd only) | -33.4701% | 6,734 |
| Net charge-offs to loans | -0.1387% | 6,552 |
| Credit loss provision to net charge-offs | -1,685.7143% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.0973% | 44 |
| Assets per employee ($millions) | 2.4270% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0494% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 3,799 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.5183% | 5,448 |
| Net loans and leases to deposits | 52.3089% | 5,598 |
| Net loans and leases to core deposits | 52.3089% | 5,774 |
| Total domestic deposits to total assets | 88.9301% | 1,676 |
| Equity capital to assets | 11.0562% | 2,561 |
| Core capital (leverage) ratio | 10.5824% | 2,801 |
| Tier 1 risk-based capital ratio | 21.8157% | 1,291 |
| Total risk-based capital ratio | 23.1707% | 1,250 |
| Memoranda: | ||
| Average total assets | $8,415,000 | 6,805 |
| Average earning assets | $7,833,600 | 6,793 |
| Average equity | $926,200 | 6,800 |
| Average total loans | $5,047,000 | 6,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 4,926 |
| Cost of funding earning assets | 0.5780% | 3,014 |
| Net interest margin | 3.2036% | 4,991 |
| Noninterest income to average assets | 0.0767% | 6,554 |
| Noninterest expense to average assets | 5.1349% | 313 |
| Loan and lease loss provision to assets | 1.8087% | 51 |
| Net operating income to assets | -3.8779% | 6,870 |
| Return on assets (ROA) | -3.8779% | 6,869 |
| Pretax return on assets | -3.8932% | 6,866 |
| Return on Equity (ROE) | -35.2661% | 6,829 |
| Retained earnings to average equity (ytd only) | -35.2661% | 6,825 |
| Net charge-offs to loans | -0.1488% | 6,590 |
| Credit loss provision to net charge-offs | -1,966.6667% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.3417% | 53 |
| Assets per employee ($millions) | 2.6177% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8555% | 18 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 4,165 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.3375% | 5,105 |
| Net loans and leases to deposits | 56.5603% | 5,324 |
| Net loans and leases to core deposits | 56.5603% | 5,574 |
| Total domestic deposits to total assets | 88.9978% | 1,553 |
| Equity capital to assets | 10.9894% | 2,770 |
| Core capital (leverage) ratio | 10.5617% | 2,938 |
| Tier 1 risk-based capital ratio | 20.1919% | 1,688 |
| Total risk-based capital ratio | 21.5255% | 1,638 |
| Memoranda: | ||
| Average total assets | $8,698,500 | 6,882 |
| Average earning assets | $8,074,000 | 6,871 |
| Average equity | $956,500 | 6,877 |
| Average total loans | $5,377,750 | 6,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 4,663 |
| Cost of funding earning assets | 0.4808% | 4,086 |
| Net interest margin | 3.3659% | 4,321 |
| Noninterest income to average assets | 0.0223% | 6,747 |
| Noninterest expense to average assets | 5.2114% | 308 |
| Loan and lease loss provision to assets | 2.6280% | 31 |
| Net operating income to assets | -4.6992% | 6,921 |
| Return on assets (ROA) | -4.6992% | 6,920 |
| Pretax return on assets | -4.6992% | 6,918 |
| Return on Equity (ROE) | -42.7268% | 6,897 |
| Retained earnings to average equity (ytd only) | -42.7268% | 6,891 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.9574% | 50 |
| Assets per employee ($millions) | 2.7650% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2453% | 48 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 4,377 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.7227% | 3,709 |
| Net loans and leases to deposits | 67.0456% | 4,140 |
| Net loans and leases to core deposits | 67.0456% | 4,588 |
| Total domestic deposits to total assets | 89.0778% | 1,585 |
| Equity capital to assets | 10.8981% | 2,850 |
| Core capital (leverage) ratio | 10.5349% | 2,840 |
| Tier 1 risk-based capital ratio | 17.8833% | 2,361 |
| Total risk-based capital ratio | 19.2087% | 2,294 |
| Memoranda: | ||
| Average total assets | $8,980,330 | 6,932 |
| Average earning assets | $8,318,670 | 6,919 |
| Average equity | $987,670 | 6,926 |
| Average total loans | $5,740,330 | 6,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 4,430 |
| Cost of funding earning assets | 0.6984% | 2,223 |
| Net interest margin | 3.2125% | 4,887 |
| Noninterest income to average assets | -0.0429% | 6,895 |
| Noninterest expense to average assets | 5.1486% | 336 |
| Loan and lease loss provision to assets | 5.0627% | 11 |
| Net operating income to assets | -7.2938% | 7,006 |
| Return on assets (ROA) | -7.2938% | 7,007 |
| Pretax return on assets | -7.2938% | 7,006 |
| Return on Equity (ROE) | -66.0515% | 6,984 |
| Retained earnings to average equity (ytd only) | -66.0515% | 6,981 |
| Net charge-offs to loans | -0.1340% | 6,558 |
| Credit loss provision to net charge-offs | -5,900.0000% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.4706% | 53 |
| Assets per employee ($millions) | 3.0423% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7830% | 86 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,705 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.2637% | 3,561 |
| Net loans and leases to deposits | 66.1166% | 4,037 |
| Net loans and leases to core deposits | 66.1166% | 4,514 |
| Total domestic deposits to total assets | 89.6351% | 1,269 |
| Equity capital to assets | 10.3429% | 3,745 |
| Core capital (leverage) ratio | 10.1812% | 3,170 |
| Tier 1 risk-based capital ratio | 17.3529% | 2,623 |
| Total risk-based capital ratio | 18.6581% | 2,562 |
| Memoranda: | ||
| Average total assets | $9,323,000 | 7,008 |
| Average earning assets | $8,591,500 | 6,991 |
| Average equity | $1,029,500 | 6,995 |
| Average total loans | $5,968,500 | 6,910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 5,015 |
| Cost of funding earning assets | 0.8564% | 2,253 |
| Net interest margin | 3.2241% | 5,508 |
| Noninterest income to average assets | 0.2645% | 5,569 |
| Noninterest expense to average assets | 6.1061% | 214 |
| Loan and lease loss provision to assets | 2.3958% | 66 |
| Net operating income to assets | -5.1063% | 7,060 |
| Return on assets (ROA) | -4.9704% | 7,059 |
| Pretax return on assets | -5.1105% | 7,063 |
| Return on Equity (ROE) | -47.0337% | 7,014 |
| Retained earnings to average equity (ytd only) | -47.0337% | 7,008 |
| Net charge-offs to loans | 3.9765% | 74 |
| Credit loss provision to net charge-offs | 87.5000% | 3,571 |
| Earnings coverage of net charge-offs (x) | -1.0426% | 5,759 |
| Efficiency ratio | 187.7990% | 48 |
| Assets per employee ($millions) | 3.1730% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4216% | 458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.8637% | 3,085 |
| Net loans and leases to deposits | 71.2296% | 3,536 |
| Net loans and leases to core deposits | 71.2296% | 4,141 |
| Total domestic deposits to total assets | 88.2551% | 2,061 |
| Equity capital to assets | 11.7134% | 2,259 |
| Core capital (leverage) ratio | 10.8126% | 2,431 |
| Tier 1 risk-based capital ratio | 19.6372% | 1,775 |
| Total risk-based capital ratio | 20.9229% | 1,735 |
| Memoranda: | ||
| Average total assets | $12,856,000 | 7,048 |
| Average earning assets | $11,910,200 | 7,031 |
| Average equity | $1,358,600 | 7,039 |
| Average total loans | $8,852,000 | 6,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 5,133 |
| Cost of funding earning assets | 0.8608% | 2,455 |
| Net interest margin | 3.2544% | 5,531 |
| Noninterest income to average assets | -0.0292% | 6,984 |
| Noninterest expense to average assets | 6.5739% | 167 |
| Loan and lease loss provision to assets | 2.8536% | 47 |
| Net operating income to assets | -6.2569% | 7,171 |
| Return on assets (ROA) | -6.0869% | 7,171 |
| Pretax return on assets | -6.2622% | 7,173 |
| Return on Equity (ROE) | -58.7045% | 7,136 |
| Retained earnings to average equity (ytd only) | -58.7045% | 7,132 |
| Net charge-offs to loans | 3.6989% | 108 |
| Credit loss provision to net charge-offs | 110.9848% | 2,640 |
| Earnings coverage of net charge-offs (x) | -1.3939% | 5,611 |
| Efficiency ratio | 219.8697% | 33 |
| Assets per employee ($millions) | 3.7543% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0587% | 294 |
| Loan loss allowance to noncurrent loans | 306.4516% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 3,500 |
| Noncurrent loans to loans | 1.3244% | 3,821 |
| Net loans and leases to total assets | 59.8153% | 3,816 |
| Net loans and leases to deposits | 66.4923% | 4,411 |
| Net loans and leases to core deposits | 66.4923% | 4,900 |
| Total domestic deposits to total assets | 89.9583% | 869 |
| Equity capital to assets | 10.0151% | 4,473 |
| Core capital (leverage) ratio | 9.1174% | 4,883 |
| Tier 1 risk-based capital ratio | 18.7220% | 2,097 |
| Total risk-based capital ratio | 20.0000% | 2,056 |
| Memoranda: | ||
| Average total assets | $13,690,250 | 7,137 |
| Average earning assets | $12,700,500 | 7,121 |
| Average equity | $1,419,500 | 7,128 |
| Average total loans | $9,516,000 | 6,960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 4,675 |
| Cost of funding earning assets | 0.8575% | 2,739 |
| Net interest margin | 3.4149% | 5,023 |
| Noninterest income to average assets | 0.1241% | 6,563 |
| Noninterest expense to average assets | 4.2623% | 680 |
| Loan and lease loss provision to assets | 4.5381% | 17 |
| Net operating income to assets | -5.5451% | 7,216 |
| Return on assets (ROA) | -5.2968% | 7,213 |
| Pretax return on assets | -5.2968% | 7,212 |
| Return on Equity (ROE) | -50.6373% | 7,167 |
| Retained earnings to average equity (ytd only) | -50.6373% | 7,162 |
| Net charge-offs to loans | 2.2421% | 335 |
| Credit loss provision to net charge-offs | 283.6207% | 1,033 |
| Earnings coverage of net charge-offs (x) | -0.6293% | 5,259 |
| Efficiency ratio | 130.9322% | 159 |
| Assets per employee ($millions) | 4.4783% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6041% | 101 |
| Loan loss allowance to noncurrent loans | 200.8584% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 5.8802% | 735 |
| Noncurrent loans to loans | 2.7901% | 2,145 |
| Net loans and leases to total assets | 58.6751% | 4,048 |
| Net loans and leases to deposits | 65.3594% | 4,592 |
| Net loans and leases to core deposits | 66.7485% | 4,921 |
| Total domestic deposits to total assets | 89.7730% | 1,057 |
| Equity capital to assets | 10.1898% | 4,062 |
| Core capital (leverage) ratio | 8.2833% | 5,939 |
| Tier 1 risk-based capital ratio | 14.8374% | 3,869 |
| Total risk-based capital ratio | 16.1462% | 3,787 |
| Memoranda: | ||
| Average total assets | $14,499,330 | 7,191 |
| Average earning assets | $13,294,670 | 7,175 |
| Average equity | $1,516,670 | 7,177 |
| Average total loans | $10,347,330 | 6,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 3,736 |
| Cost of funding earning assets | 0.8686% | 2,930 |
| Net interest margin | 3.6772% | 3,934 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 3.9650% | 974 |
| Loan and lease loss provision to assets | 8.5953% | 7 |
| Net operating income to assets | -9.1807% | 7,299 |
| Return on assets (ROA) | -8.7017% | 7,297 |
| Pretax return on assets | -8.7017% | 7,296 |
| Return on Equity (ROE) | -82.2383% | 7,259 |
| Retained earnings to average equity (ytd only) | -82.2383% | 7,255 |
| Net charge-offs to loans | 4.0897% | 138 |
| Credit loss provision to net charge-offs | 278.4483% | 1,050 |
| Earnings coverage of net charge-offs (x) | -0.1897% | 4,435 |
| Efficiency ratio | 117.3228% | 251 |
| Assets per employee ($millions) | 3.6985% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3729% | 270 |
| Loan loss allowance to noncurrent loans | 183.7302% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 5.4684% | 904 |
| Noncurrent loans to loans | 2.3801% | 2,723 |
| Net loans and leases to total assets | 68.4399% | 2,031 |
| Net loans and leases to deposits | 75.7859% | 2,827 |
| Net loans and leases to core deposits | 78.8674% | 3,205 |
| Total domestic deposits to total assets | 90.3069% | 907 |
| Equity capital to assets | 9.6458% | 4,592 |
| Core capital (leverage) ratio | 8.1637% | 6,075 |
| Tier 1 risk-based capital ratio | 12.5679% | 5,548 |
| Total risk-based capital ratio | 13.8634% | 5,483 |
| Memoranda: | ||
| Average total assets | $15,031,500 | 7,244 |
| Average earning assets | $13,815,000 | 7,226 |
| Average equity | $1,590,500 | 7,221 |
| Average total loans | $11,345,500 | 7,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 4,540 |
| Cost of funding earning assets | 1.0854% | 2,766 |
| Net interest margin | 3.5468% | 4,954 |
| Noninterest income to average assets | 1.1061% | 1,087 |
| Noninterest expense to average assets | 3.8112% | 1,327 |
| Loan and lease loss provision to assets | 0.8816% | 1,098 |
| Net operating income to assets | -0.3888% | 6,408 |
| Return on assets (ROA) | -0.3888% | 6,457 |
| Pretax return on assets | -0.3121% | 6,359 |
| Return on Equity (ROE) | -3.8296% | 6,465 |
| Retained earnings to average equity (ytd only) | -3.8296% | 6,360 |
| Net charge-offs to loans | 1.8214% | 804 |
| Credit loss provision to net charge-offs | 62.6459% | 5,100 |
| Earnings coverage of net charge-offs (x) | 0.4047% | 5,516 |
| Efficiency ratio | 87.0000% | 1,442 |
| Assets per employee ($millions) | 3.8173% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1234% | 1,943 |
| Loan loss allowance to noncurrent loans | 180.9859% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 4.6041% | 1,188 |
| Noncurrent loans to loans | 1.1733% | 4,410 |
| Net loans and leases to total assets | 77.5820% | 757 |
| Net loans and leases to deposits | 87.6767% | 1,428 |
| Net loans and leases to core deposits | 89.4781% | 2,199 |
| Total domestic deposits to total assets | 88.4865% | 1,860 |
| Equity capital to assets | 11.4873% | 2,516 |
| Core capital (leverage) ratio | 9.3418% | 4,263 |
| Tier 1 risk-based capital ratio | 13.9522% | 4,355 |
| Total risk-based capital ratio | 15.0192% | 4,467 |
| Memoranda: | ||
| Average total assets | $18,261,800 | 7,241 |
| Average earning assets | $16,860,200 | 7,210 |
| Average equity | $1,854,000 | 7,230 |
| Average total loans | $14,110,000 | 6,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 5,179 |
| Cost of funding earning assets | 1.1164% | 2,867 |
| Net interest margin | 3.4099% | 5,543 |
| Noninterest income to average assets | 1.3747% | 688 |
| Noninterest expense to average assets | 3.3105% | 2,464 |
| Loan and lease loss provision to assets | 0.4208% | 2,365 |
| Net operating income to assets | 0.7925% | 3,201 |
| Return on assets (ROA) | 0.7925% | 3,366 |
| Pretax return on assets | 0.7925% | 4,161 |
| Return on Equity (ROE) | 8.0181% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.0181% | 1,502 |
| Net charge-offs to loans | 1.5421% | 930 |
| Credit loss provision to net charge-offs | 35.5030% | 5,333 |
| Earnings coverage of net charge-offs (x) | 1.0237% | 4,868 |
| Efficiency ratio | 73.1783% | 3,335 |
| Assets per employee ($millions) | 5.8673% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,884 |
| Loan loss allowance to noncurrent loans | 102.5316% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 5.9709% | 893 |
| Noncurrent loans to loans | 1.7705% | 3,682 |
| Net loans and leases to total assets | 74.6677% | 1,206 |
| Net loans and leases to deposits | 83.9379% | 2,012 |
| Net loans and leases to core deposits | 85.4218% | 2,858 |
| Total domestic deposits to total assets | 88.9558% | 1,451 |
| Equity capital to assets | 11.0044% | 3,140 |
| Core capital (leverage) ratio | 9.4882% | 4,168 |
| Tier 1 risk-based capital ratio | 13.8469% | 4,459 |
| Total risk-based capital ratio | 14.5421% | 4,856 |
| Memoranda: | ||
| Average total assets | $19,010,000 | 7,296 |
| Average earning assets | $17,556,000 | 7,266 |
| Average equity | $1,879,000 | 7,301 |
| Average total loans | $14,611,750 | 6,989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 5,046 |
| Cost of funding earning assets | 1.1426% | 2,949 |
| Net interest margin | 3.4388% | 5,412 |
| Noninterest income to average assets | 1.0575% | 1,173 |
| Noninterest expense to average assets | 2.9364% | 3,876 |
| Loan and lease loss provision to assets | 0.4107% | 2,381 |
| Net operating income to assets | 0.7495% | 3,293 |
| Return on assets (ROA) | 0.7495% | 3,417 |
| Pretax return on assets | 0.8933% | 3,639 |
| Return on Equity (ROE) | 7.8509% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8509% | 1,512 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2494% | 4,275 |
| Assets per employee ($millions) | 3.8126% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8451% | 1,035 |
| Loan loss allowance to noncurrent loans | 318.6992% | 990 |
| Noncurrent assets plus other real estate owned to assets | 6.2267% | 883 |
| Noncurrent loans to loans | 0.8927% | 5,184 |
| Net loans and leases to total assets | 70.2198% | 2,177 |
| Net loans and leases to deposits | 78.0115% | 3,116 |
| Net loans and leases to core deposits | 79.2681% | 3,887 |
| Total domestic deposits to total assets | 90.0121% | 973 |
| Equity capital to assets | 9.9512% | 4,218 |
| Core capital (leverage) ratio | 8.8900% | 4,896 |
| Tier 1 risk-based capital ratio | 12.8970% | 5,000 |
| Total risk-based capital ratio | 14.2384% | 4,907 |
| Memoranda: | ||
| Average total assets | $19,479,330 | 7,363 |
| Average earning assets | $18,029,670 | 7,328 |
| Average equity | $1,859,670 | 7,372 |
| Average total loans | $15,020,330 | 7,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 5,261 |
| Cost of funding earning assets | 1.1360% | 3,257 |
| Net interest margin | 3.3867% | 5,478 |
| Noninterest income to average assets | 0.2032% | 6,269 |
| Noninterest expense to average assets | 2.7632% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6502% | 3,749 |
| Return on assets (ROA) | 0.6502% | 3,825 |
| Pretax return on assets | 0.6502% | 4,487 |
| Return on Equity (ROE) | 6.9527% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.9527% | 2,167 |
| Net charge-offs to loans | -0.0256% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,377 |
| Assets per employee ($millions) | 3.2612% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3720% | 1,640 |
| Loan loss allowance to noncurrent loans | 96.7123% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 5.9181% | 988 |
| Noncurrent loans to loans | 2.4526% | 3,039 |
| Net loans and leases to total assets | 74.2526% | 1,311 |
| Net loans and leases to deposits | 82.0801% | 2,349 |
| Net loans and leases to core deposits | 84.9401% | 3,041 |
| Total domestic deposits to total assets | 90.4635% | 859 |
| Equity capital to assets | 9.4956% | 4,444 |
| Core capital (leverage) ratio | 8.3206% | 5,773 |
| Tier 1 risk-based capital ratio | 12.0174% | 5,675 |
| Total risk-based capital ratio | 13.3485% | 5,600 |
| Memoranda: | ||
| Average total assets | $19,687,500 | 7,416 |
| Average earning assets | $18,661,500 | 7,367 |
| Average equity | $1,841,000 | 7,426 |
| Average total loans | $15,641,500 | 7,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 3,196 |
| Cost of funding earning assets | 1.6334% | 1,898 |
| Net interest margin | 3.6521% | 4,565 |
| Noninterest income to average assets | 0.5702% | 3,673 |
| Noninterest expense to average assets | 3.2492% | 2,916 |
| Loan and lease loss provision to assets | 0.3932% | 3,756 |
| Net operating income to assets | 0.3452% | 4,764 |
| Return on assets (ROA) | 0.4965% | 4,269 |
| Pretax return on assets | 0.6095% | 4,291 |
| Return on Equity (ROE) | 5.5709% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.5709% | 2,078 |
| Net charge-offs to loans | 0.1700% | 5,309 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 5.5333% | 2,600 |
| Efficiency ratio | 79.9274% | 2,429 |
| Assets per employee ($millions) | 2.8297% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 1,968 |
| Loan loss allowance to noncurrent loans | 35.6636% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 5.5230% | 1,121 |
| Noncurrent loans to loans | 6.0179% | 1,041 |
| Net loans and leases to total assets | 81.0228% | 540 |
| Net loans and leases to deposits | 89.2901% | 1,611 |
| Net loans and leases to core deposits | 92.3418% | 2,458 |
| Total domestic deposits to total assets | 90.7411% | 722 |
| Equity capital to assets | 9.2084% | 4,828 |
| Core capital (leverage) ratio | 8.1612% | 5,893 |
| Tier 1 risk-based capital ratio | 11.3306% | 6,059 |
| Total risk-based capital ratio | 12.5628% | 6,069 |
| Memoranda: | ||
| Average total assets | $20,343,600 | 7,459 |
| Average earning assets | $19,468,200 | 7,414 |
| Average equity | $1,813,000 | 7,537 |
| Average total loans | $17,649,000 | 7,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 2,627 |
| Cost of funding earning assets | 1.7522% | 1,615 |
| Net interest margin | 3.7021% | 4,387 |
| Noninterest income to average assets | 0.5274% | 3,964 |
| Noninterest expense to average assets | 3.0407% | 3,604 |
| Loan and lease loss provision to assets | 0.0651% | 6,413 |
| Net operating income to assets | 0.8119% | 2,950 |
| Return on assets (ROA) | 1.0222% | 2,279 |
| Pretax return on assets | 1.2045% | 2,469 |
| Return on Equity (ROE) | 11.5636% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.5636% | 515 |
| Net charge-offs to loans | 0.0742% | 5,778 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 15.7037% | 1,425 |
| Efficiency ratio | 74.8397% | 3,175 |
| Assets per employee ($millions) | 2.8257% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,959 |
| Loan loss allowance to noncurrent loans | 94.6708% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 3,264 |
| Noncurrent loans to loans | 1.8533% | 3,863 |
| Net loans and leases to total assets | 85.4954% | 237 |
| Net loans and leases to deposits | 94.5330% | 1,146 |
| Net loans and leases to core deposits | 97.7684% | 2,069 |
| Total domestic deposits to total assets | 90.4398% | 664 |
| Equity capital to assets | 9.5046% | 4,833 |
| Core capital (leverage) ratio | 8.3493% | 5,790 |
| Tier 1 risk-based capital ratio | 11.1658% | 6,226 |
| Total risk-based capital ratio | 12.3930% | 6,239 |
| Memoranda: | ||
| Average total assets | $20,477,500 | 7,550 |
| Average earning assets | $19,555,750 | 7,510 |
| Average equity | $1,810,250 | 7,637 |
| Average total loans | $17,961,000 | 7,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 3,052 |
| Cost of funding earning assets | 1.8550% | 1,407 |
| Net interest margin | 3.5276% | 5,132 |
| Noninterest income to average assets | 0.3187% | 5,604 |
| Noninterest expense to average assets | 2.9068% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7450% | 3,218 |
| Return on assets (ROA) | 1.1009% | 1,924 |
| Pretax return on assets | 1.1395% | 2,631 |
| Return on Equity (ROE) | 12.7588% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.7588% | 405 |
| Net charge-offs to loans | 0.0879% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,947 |
| Efficiency ratio | 79.0026% | 2,573 |
| Assets per employee ($millions) | 2.8970% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 3,243 |
| Loan loss allowance to noncurrent loans | 34.2258% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 4.7734% | 1,359 |
| Noncurrent loans to loans | 4.8283% | 1,462 |
| Net loans and leases to total assets | 86.2814% | 210 |
| Net loans and leases to deposits | 94.9891% | 1,151 |
| Net loans and leases to core deposits | 100.3844% | 1,975 |
| Total domestic deposits to total assets | 90.8329% | 556 |
| Equity capital to assets | 9.0537% | 5,362 |
| Core capital (leverage) ratio | 7.8719% | 6,416 |
| Tier 1 risk-based capital ratio | 10.4101% | 6,751 |
| Total risk-based capital ratio | 11.7275% | 6,685 |
| Memoranda: | ||
| Average total assets | $20,710,000 | 7,608 |
| Average earning assets | $19,730,330 | 7,562 |
| Average equity | $1,787,000 | 7,704 |
| Average total loans | $18,210,330 | 7,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5823% | 2,233 |
| Cost of funding earning assets | 1.9145% | 1,389 |
| Net interest margin | 3.6678% | 4,401 |
| Noninterest income to average assets | 0.2294% | 6,314 |
| Noninterest expense to average assets | 2.9247% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7837% | 3,035 |
| Return on assets (ROA) | 1.5101% | 947 |
| Pretax return on assets | 1.5101% | 1,489 |
| Return on Equity (ROE) | 17.9291% | 520 |
| Retained earnings to average equity (ytd only) | 17.9291% | 249 |
| Net charge-offs to loans | -0.0434% | 7,305 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8660% | 2,747 |
| Assets per employee ($millions) | 3.4657% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 3,242 |
| Loan loss allowance to noncurrent loans | 113.0112% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 3,712 |
| Noncurrent loans to loans | 1.4619% | 4,551 |
| Net loans and leases to total assets | 87.0299% | 163 |
| Net loans and leases to deposits | 95.5037% | 1,169 |
| Net loans and leases to core deposits | 100.7292% | 2,053 |
| Total domestic deposits to total assets | 91.1272% | 492 |
| Equity capital to assets | 8.6660% | 5,781 |
| Core capital (leverage) ratio | 7.6122% | 6,725 |
| Tier 1 risk-based capital ratio | 10.2076% | 6,880 |
| Total risk-based capital ratio | 11.5273% | 6,815 |
| Memoranda: | ||
| Average total assets | $20,925,500 | 7,702 |
| Average earning assets | $19,848,500 | 7,656 |
| Average equity | $1,762,500 | 7,798 |
| Average total loans | $18,420,000 | 7,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2982% | 1,031 |
| Cost of funding earning assets | 2.4957% | 1,035 |
| Net interest margin | 3.8025% | 3,694 |
| Noninterest income to average assets | 0.7392% | 2,740 |
| Noninterest expense to average assets | 3.2514% | 3,185 |
| Loan and lease loss provision to assets | 0.9160% | 2,457 |
| Net operating income to assets | 0.0000% | 5,483 |
| Return on assets (ROA) | 0.0000% | 5,541 |
| Pretax return on assets | 0.2036% | 4,999 |
| Return on Equity (ROE) | 0.0000% | 5,542 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.2293% | 5,176 |
| Credit loss provision to net charge-offs | 450.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,580 |
| Efficiency ratio | 72.3039% | 4,218 |
| Assets per employee ($millions) | 3.5095% | 4,985 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 3,133 |
| Loan loss allowance to noncurrent loans | 112.2677% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,641 |
| Noncurrent loans to loans | 1.4589% | 4,485 |
| Net loans and leases to total assets | 86.1329% | 273 |
| Net loans and leases to deposits | 94.0765% | 1,584 |
| Net loans and leases to core deposits | 169.1884% | 241 |
| Total domestic deposits to total assets | 91.5563% | 365 |
| Equity capital to assets | 8.1826% | 6,361 |
| Core capital (leverage) ratio | 7.3129% | 6,972 |
| Tier 1 risk-based capital ratio | 9.2645% | 7,352 |
| Total risk-based capital ratio | 10.5810% | 7,298 |
| Memoranda: | ||
| Average total assets | $18,668,600 | 7,817 |
| Average earning assets | $17,830,400 | 7,765 |
| Average equity | $1,697,600 | 7,895 |
| Average total loans | $16,571,400 | 7,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3197% | 1,089 |
| Cost of funding earning assets | 2.6140% | 995 |
| Net interest margin | 3.7057% | 4,045 |
| Noninterest income to average assets | 0.8337% | 2,268 |
| Noninterest expense to average assets | 3.2241% | 3,220 |
| Loan and lease loss provision to assets | 0.2361% | 5,084 |
| Net operating income to assets | 0.6493% | 3,411 |
| Return on assets (ROA) | 0.6493% | 3,470 |
| Pretax return on assets | 0.9296% | 3,131 |
| Return on Equity (ROE) | 6.9375% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.9375% | 1,530 |
| Net charge-offs to loans | -0.0083% | 7,663 |
| Credit loss provision to net charge-offs | -3,200.0000% | 7,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2605% | 4,374 |
| Assets per employee ($millions) | 3.4263% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 5,924 |
| Loan loss allowance to noncurrent loans | 1,182.3529% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 7,343 |
| Noncurrent loans to loans | 0.0902% | 7,260 |
| Net loans and leases to total assets | 90.7141% | 88 |
| Net loans and leases to deposits | 103.7497% | 793 |
| Net loans and leases to core deposits | 189.0421% | 139 |
| Total domestic deposits to total assets | 87.4355% | 1,931 |
| Equity capital to assets | 8.8092% | 5,775 |
| Core capital (leverage) ratio | 8.4603% | 5,562 |
| Tier 1 risk-based capital ratio | 9.7578% | 7,180 |
| Total risk-based capital ratio | 10.9967% | 7,160 |
| Memoranda: | ||
| Average total assets | $18,071,500 | 7,904 |
| Average earning assets | $17,342,250 | 7,863 |
| Average equity | $1,691,250 | 7,981 |
| Average total loans | $16,104,500 | 7,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1967% | 1,466 |
| Cost of funding earning assets | 2.7958% | 800 |
| Net interest margin | 3.4009% | 5,168 |
| Noninterest income to average assets | 1.1599% | 1,162 |
| Noninterest expense to average assets | 3.3290% | 2,855 |
| Loan and lease loss provision to assets | 0.1276% | 5,824 |
| Net operating income to assets | 0.6959% | 3,273 |
| Return on assets (ROA) | 0.6959% | 3,382 |
| Pretax return on assets | 0.9627% | 3,138 |
| Return on Equity (ROE) | 7.2669% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.2669% | 1,482 |
| Net charge-offs to loans | -0.0132% | 7,644 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9659% | 4,205 |
| Assets per employee ($millions) | 2.9532% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 5,283 |
| Loan loss allowance to noncurrent loans | 1,064.7059% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 7,341 |
| Noncurrent loans to loans | 0.1078% | 7,254 |
| Net loans and leases to total assets | 87.9564% | 236 |
| Net loans and leases to deposits | 97.3697% | 1,617 |
| Net loans and leases to core deposits | 147.9916% | 699 |
| Total domestic deposits to total assets | 90.3324% | 691 |
| Equity capital to assets | 9.4813% | 4,636 |
| Core capital (leverage) ratio | 8.1622% | 6,051 |
| Tier 1 risk-based capital ratio | 10.3387% | 6,550 |
| Total risk-based capital ratio | 11.6105% | 6,457 |
| Memoranda: | ||
| Average total assets | $17,242,670 | 8,005 |
| Average earning assets | $16,525,000 | 7,963 |
| Average equity | $1,651,330 | 8,065 |
| Average total loans | $15,189,330 | 7,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0141% | 2,303 |
| Cost of funding earning assets | 2.8230% | 926 |
| Net interest margin | 3.1912% | 5,882 |
| Noninterest income to average assets | 0.8939% | 1,881 |
| Noninterest expense to average assets | 3.1992% | 2,989 |
| Loan and lease loss provision to assets | 0.0235% | 6,611 |
| Net operating income to assets | 0.7292% | 3,428 |
| Return on assets (ROA) | 0.7292% | 3,626 |
| Pretax return on assets | 0.7292% | 4,326 |
| Return on Equity (ROE) | 7.5748% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.5748% | 1,992 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 3,067 |
| Assets per employee ($millions) | 2.8143% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 85.9647% | 454 |
| Net loans and leases to deposits | 95.3996% | 2,057 |
| Net loans and leases to core deposits | 141.4677% | 1,041 |
| Total domestic deposits to total assets | 90.1102% | 747 |
| Equity capital to assets | 9.7181% | 4,355 |
| Core capital (leverage) ratio | 8.4012% | 5,717 |
| Tier 1 risk-based capital ratio | 9.1873% | 7,680 |
| Total risk-based capital ratio | 10.3006% | 7,785 |
| Memoranda: | ||
| Average total assets | $17,004,500 | 8,061 |
| Average earning assets | $16,295,000 | 8,020 |
| Average equity | $1,637,000 | 8,121 |
| Average total loans | $14,901,000 | 7,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4077% | 3,377 |
| Cost of funding earning assets | 2.9698% | 1,987 |
| Net interest margin | 3.4379% | 5,515 |
| Noninterest income to average assets | 0.4173% | 5,319 |
| Noninterest expense to average assets | 3.3729% | 2,754 |
| Loan and lease loss provision to assets | 0.0417% | 6,890 |
| Net operating income to assets | 0.2295% | 5,757 |
| Return on assets (ROA) | 0.2295% | 5,581 |
| Pretax return on assets | 0.2712% | 5,575 |
| Return on Equity (ROE) | 2.0947% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.0947% | 3,932 |
| Net charge-offs to loans | -0.0335% | 7,984 |
| Credit loss provision to net charge-offs | -150.0000% | 7,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0566% | 1,583 |
| Assets per employee ($millions) | 2.4461% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.2919% | 439 |
| Net loans and leases to deposits | 99.0524% | 1,979 |
| Net loans and leases to core deposits | 150.8274% | 824 |
| Total domestic deposits to total assets | 88.1271% | 1,416 |
| Equity capital to assets | 9.5369% | 4,631 |
| Core capital (leverage) ratio | 9.1676% | 4,493 |
| Tier 1 risk-based capital ratio | 9.3494% | 7,462 |
| Total risk-based capital ratio | 10.4786% | 7,535 |
| Memoranda: | ||
| Average total assets | $14,379,200 | 8,180 |
| Average earning assets | $13,671,000 | 8,149 |
| Average equity | $1,575,400 | 8,201 |
| Average total loans | $11,936,600 | 7,833 |