Home > Trust Company Bank > Performance and Condition Ratios
Trust Company Bank, Performance and Condition Ratios
| 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 | 4.3877% | 1,841 |
| Cost of funding earning assets | 1.1788% | 61 |
| Net interest margin | 3.2089% | 4,554 |
| Noninterest income to average assets | 7.8777% | 76 |
| Noninterest expense to average assets | 38.7237% | 26 |
| Loan and lease loss provision to assets | 5.3794% | 4 |
| Net operating income to assets | -34.2509% | 6,122 |
| Return on assets (ROA) | -34.2509% | 6,122 |
| Pretax return on assets | -34.2509% | 6,122 |
| Return on Equity (ROE) | 1,443.7367% | 1 |
| Retained earnings to average equity (ytd only) | 1,443.7367% | 1 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 393.0470% | 6 |
| Assets per employee ($millions) | 0.3220% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6539% | 37 |
| Loan loss allowance to noncurrent loans | 42.2340% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 14.3120% | 26 |
| Noncurrent loans to loans | 13.3870% | 20 |
| Net loans and leases to total assets | 56.1270% | 4,245 |
| Net loans and leases to deposits | 52.9234% | 5,170 |
| Net loans and leases to core deposits | 52.9234% | 5,313 |
| Total domestic deposits to total assets | 106.0533% | 1 |
| Equity capital to assets | -6.4902% | 6,122 |
| Core capital (leverage) ratio | -6.1968% | 6,122 |
| Tier 1 risk-based capital ratio | -12.4597% | 6,122 |
| Total risk-based capital ratio | -11.1413% | 6,122 |
| Memoranda: | ||
| Average total assets | $19,853,500 | 6,039 |
| Average earning assets | $12,216,000 | 6,087 |
| Average equity | $-471,000 | 6,122 |
| Average total loans | $11,465,500 | 5,932 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 3,883 |
| Cost of funding earning assets | 1.0098% | 170 |
| Net interest margin | 2.8398% | 5,443 |
| Noninterest income to average assets | 15.4844% | 52 |
| Noninterest expense to average assets | 21.1391% | 37 |
| Loan and lease loss provision to assets | 1.0585% | 78 |
| Net operating income to assets | -4.7103% | 6,176 |
| Return on assets (ROA) | -4.7103% | 6,176 |
| Pretax return on assets | -4.7103% | 6,173 |
| Return on Equity (ROE) | -212.1588% | 6,182 |
| Retained earnings to average equity (ytd only) | -212.1588% | 6,182 |
| Net charge-offs to loans | 1.2034% | 146 |
| Credit loss provision to net charge-offs | 148.6188% | 1,788 |
| Earnings coverage of net charge-offs (x) | -5.1271% | 4,399 |
| Efficiency ratio | 120.5896% | 89 |
| Assets per employee ($millions) | 0.4142% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1989% | 177 |
| Loan loss allowance to noncurrent loans | 34.5404% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 9.4790% | 60 |
| Noncurrent loans to loans | 9.2613% | 54 |
| Net loans and leases to total assets | 54.3580% | 4,472 |
| Net loans and leases to deposits | 55.4751% | 5,078 |
| Net loans and leases to core deposits | 55.4751% | 5,228 |
| Total domestic deposits to total assets | 97.9864% | 1 |
| Equity capital to assets | 1.4052% | 6,182 |
| Core capital (leverage) ratio | 1.1802% | 6,182 |
| Tier 1 risk-based capital ratio | 2.5096% | 6,181 |
| Total risk-based capital ratio | 3.7775% | 6,181 |
| Memoranda: | ||
| Average total assets | $25,412,600 | 6,019 |
| Average earning assets | $17,924,000 | 6,083 |
| Average equity | $564,200 | 6,181 |
| Average total loans | $15,040,600 | 5,894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,853 |
| Cost of funding earning assets | 0.9570% | 217 |
| Net interest margin | 2.9126% | 5,384 |
| Noninterest income to average assets | 14.2008% | 54 |
| Noninterest expense to average assets | 18.9644% | 45 |
| Loan and lease loss provision to assets | 1.1433% | 57 |
| Net operating income to assets | -3.8009% | 6,259 |
| Return on assets (ROA) | -3.8009% | 6,259 |
| Pretax return on assets | -3.8009% | 6,257 |
| Return on Equity (ROE) | -157.1757% | 6,267 |
| Retained earnings to average equity (ytd only) | -157.1757% | 6,267 |
| Net charge-offs to loans | 1.5268% | 91 |
| Credit loss provision to net charge-offs | 125.2747% | 1,921 |
| Earnings coverage of net charge-offs (x) | -2.9121% | 4,098 |
| Efficiency ratio | 115.8979% | 109 |
| Assets per employee ($millions) | 0.5104% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 313 |
| Loan loss allowance to noncurrent loans | 34.6597% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 7.5576% | 91 |
| Noncurrent loans to loans | 7.9816% | 72 |
| Net loans and leases to total assets | 46.5211% | 5,193 |
| Net loans and leases to deposits | 53.4700% | 5,289 |
| Net loans and leases to core deposits | 53.4700% | 5,434 |
| Total domestic deposits to total assets | 87.0042% | 2,036 |
| Equity capital to assets | 2.9391% | 6,256 |
| Core capital (leverage) ratio | 2.8624% | 6,257 |
| Tier 1 risk-based capital ratio | 5.0894% | 6,251 |
| Total risk-based capital ratio | 6.3512% | 6,252 |
| Memoranda: | ||
| Average total assets | $26,589,500 | 6,091 |
| Average earning assets | $19,226,750 | 6,151 |
| Average equity | $643,000 | 6,267 |
| Average total loans | $15,893,500 | 5,945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,780 |
| Cost of funding earning assets | 0.9403% | 234 |
| Net interest margin | 2.9383% | 5,366 |
| Noninterest income to average assets | 10.7764% | 65 |
| Noninterest expense to average assets | 18.5958% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -5.6126% | 6,339 |
| Return on assets (ROA) | -5.6126% | 6,340 |
| Pretax return on assets | -5.6126% | 6,340 |
| Return on Equity (ROE) | -223.3182% | 6,344 |
| Retained earnings to average equity (ytd only) | -223.3182% | 6,344 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.8895% | 52 |
| Assets per employee ($millions) | 0.7197% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 902 |
| Loan loss allowance to noncurrent loans | 52.2887% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 7.4162% | 109 |
| Noncurrent loans to loans | 3.9398% | 400 |
| Net loans and leases to total assets | 56.0584% | 4,328 |
| Net loans and leases to deposits | 63.3212% | 4,590 |
| Net loans and leases to core deposits | 63.3212% | 4,856 |
| Total domestic deposits to total assets | 88.5303% | 1,394 |
| Equity capital to assets | 1.4213% | 6,345 |
| Core capital (leverage) ratio | 1.3221% | 6,345 |
| Tier 1 risk-based capital ratio | 4.0229% | 6,336 |
| Total risk-based capital ratio | 5.3040% | 6,336 |
| Memoranda: | ||
| Average total assets | $27,189,000 | 6,153 |
| Average earning assets | $20,420,000 | 6,211 |
| Average equity | $683,330 | 6,343 |
| Average total loans | $17,138,330 | 5,954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 5,164 |
| Cost of funding earning assets | 0.8828% | 311 |
| Net interest margin | 2.5381% | 5,977 |
| Noninterest income to average assets | 9.7199% | 76 |
| Noninterest expense to average assets | 18.3047% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -6.6266% | 6,409 |
| Return on assets (ROA) | -6.6266% | 6,409 |
| Pretax return on assets | -6.6266% | 6,409 |
| Return on Equity (ROE) | -220.8038% | 6,415 |
| Retained earnings to average equity (ytd only) | -220.8038% | 6,415 |
| Net charge-offs to loans | 0.0865% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -116.7500% | 3,280 |
| Efficiency ratio | 156.0146% | 42 |
| Assets per employee ($millions) | 0.6513% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,946 |
| Loan loss allowance to noncurrent loans | 31.9520% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 6.8183% | 138 |
| Noncurrent loans to loans | 5.1027% | 256 |
| Net loans and leases to total assets | 64.6291% | 3,002 |
| Net loans and leases to deposits | 72.8930% | 3,446 |
| Net loans and leases to core deposits | 72.8930% | 3,884 |
| Total domestic deposits to total assets | 88.6630% | 1,469 |
| Equity capital to assets | 2.2374% | 6,411 |
| Core capital (leverage) ratio | 2.1249% | 6,412 |
| Tier 1 risk-based capital ratio | 3.7922% | 6,410 |
| Total risk-based capital ratio | 3.7922% | 6,417 |
| Memoranda: | ||
| Average total assets | $28,189,500 | 6,203 |
| Average earning assets | $21,748,500 | 6,253 |
| Average equity | $846,000 | 6,408 |
| Average total loans | $18,499,000 | 5,958 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,646 |
| Cost of funding earning assets | 0.9292% | 329 |
| Net interest margin | 3.0911% | 5,230 |
| Noninterest income to average assets | 14.6281% | 53 |
| Noninterest expense to average assets | 18.4043% | 40 |
| Loan and lease loss provision to assets | 0.1324% | 1,975 |
| Net operating income to assets | -1.6515% | 6,438 |
| Return on assets (ROA) | -1.6515% | 6,440 |
| Pretax return on assets | -1.6515% | 6,428 |
| Return on Equity (ROE) | -24.4440% | 6,456 |
| Retained earnings to average equity (ytd only) | -24.4440% | 6,446 |
| Net charge-offs to loans | 0.0624% | 3,599 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | -45.9000% | 4,952 |
| Efficiency ratio | 108.4869% | 239 |
| Assets per employee ($millions) | 0.6620% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 4,876 |
| Loan loss allowance to noncurrent loans | 37.0301% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 5.1500% | 259 |
| Noncurrent loans to loans | 2.7960% | 844 |
| Net loans and leases to total assets | 64.6501% | 3,115 |
| Net loans and leases to deposits | 74.4239% | 3,381 |
| Net loans and leases to core deposits | 74.4239% | 3,882 |
| Total domestic deposits to total assets | 86.8674% | 2,346 |
| Equity capital to assets | 4.0514% | 6,479 |
| Core capital (leverage) ratio | 4.0840% | 6,477 |
| Tier 1 risk-based capital ratio | 5.7057% | 6,483 |
| Total risk-based capital ratio | 6.6739% | 6,484 |
| Memoranda: | ||
| Average total assets | $30,215,800 | 6,246 |
| Average earning assets | $22,063,000 | 6,328 |
| Average equity | $2,041,400 | 6,399 |
| Average total loans | $16,018,400 | 6,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,200 |
| Cost of funding earning assets | 0.9460% | 311 |
| Net interest margin | 3.1959% | 4,978 |
| Noninterest income to average assets | 14.4314% | 52 |
| Noninterest expense to average assets | 18.2361% | 39 |
| Loan and lease loss provision to assets | 0.1749% | 1,404 |
| Net operating income to assets | -1.6749% | 6,511 |
| Return on assets (ROA) | -1.6749% | 6,509 |
| Pretax return on assets | -1.6749% | 6,500 |
| Return on Equity (ROE) | -22.6277% | 6,523 |
| Retained earnings to average equity (ytd only) | -22.6277% | 6,507 |
| Net charge-offs to loans | 0.1135% | 2,666 |
| Credit loss provision to net charge-offs | 307.6923% | 893 |
| Earnings coverage of net charge-offs (x) | -26.3889% | 4,660 |
| Efficiency ratio | 108.4662% | 239 |
| Assets per employee ($millions) | 0.6662% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 2,887 |
| Loan loss allowance to noncurrent loans | 106.5934% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.9234% | 518 |
| Noncurrent loans to loans | 1.3730% | 2,363 |
| Net loans and leases to total assets | 44.5635% | 5,486 |
| Net loans and leases to deposits | 53.8328% | 5,405 |
| Net loans and leases to core deposits | 53.8328% | 5,580 |
| Total domestic deposits to total assets | 82.7812% | 4,211 |
| Equity capital to assets | 7.9902% | 6,139 |
| Core capital (leverage) ratio | 2.8116% | 6,569 |
| Tier 1 risk-based capital ratio | 4.8230% | 6,565 |
| Total risk-based capital ratio | 6.0257% | 6,566 |
| Memoranda: | ||
| Average total assets | $30,488,250 | 6,315 |
| Average earning assets | $21,985,750 | 6,409 |
| Average equity | $2,256,750 | 6,453 |
| Average total loans | $15,266,250 | 6,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,242 |
| Cost of funding earning assets | 0.9501% | 316 |
| Net interest margin | 3.1757% | 5,024 |
| Noninterest income to average assets | 13.4388% | 55 |
| Noninterest expense to average assets | 18.0696% | 37 |
| Loan and lease loss provision to assets | 0.2591% | 822 |
| Net operating income to assets | -2.5518% | 6,616 |
| Return on assets (ROA) | -2.5518% | 6,617 |
| Pretax return on assets | -2.5518% | 6,611 |
| Return on Equity (ROE) | -35.3628% | 6,620 |
| Retained earnings to average equity (ytd only) | -35.3628% | 6,603 |
| Net charge-offs to loans | 0.0878% | 2,810 |
| Credit loss provision to net charge-offs | 571.4286% | 528 |
| Earnings coverage of net charge-offs (x) | -50.5714% | 4,355 |
| Efficiency ratio | 113.9984% | 194 |
| Assets per employee ($millions) | 0.8564% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 3,800 |
| Loan loss allowance to noncurrent loans | 63.0915% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 4.2872% | 469 |
| Noncurrent loans to loans | 2.0781% | 1,612 |
| Net loans and leases to total assets | 50.2252% | 4,937 |
| Net loans and leases to deposits | 60.4870% | 4,826 |
| Net loans and leases to core deposits | 60.4870% | 5,105 |
| Total domestic deposits to total assets | 83.0347% | 4,293 |
| Equity capital to assets | 7.7837% | 6,263 |
| Core capital (leverage) ratio | 2.7092% | 6,637 |
| Tier 1 risk-based capital ratio | 3.9537% | 6,640 |
| Total risk-based capital ratio | 4.9927% | 6,640 |
| Memoranda: | ||
| Average total assets | $30,880,670 | 6,369 |
| Average earning assets | $22,735,000 | 6,463 |
| Average equity | $2,228,330 | 6,514 |
| Average total loans | $15,936,330 | 6,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 3,115 |
| Cost of funding earning assets | 0.9884% | 287 |
| Net interest margin | 3.1560% | 5,064 |
| Noninterest income to average assets | 10.5826% | 58 |
| Noninterest expense to average assets | 17.9738% | 38 |
| Loan and lease loss provision to assets | 0.5106% | 289 |
| Net operating income to assets | -5.5785% | 6,714 |
| Return on assets (ROA) | -5.5785% | 6,714 |
| Pretax return on assets | -5.5785% | 6,712 |
| Return on Equity (ROE) | -80.3309% | 6,711 |
| Retained earnings to average equity (ytd only) | -80.3309% | 6,704 |
| Net charge-offs to loans | 0.2457% | 1,338 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | -39.7000% | 3,637 |
| Efficiency ratio | 138.6746% | 92 |
| Assets per employee ($millions) | 0.9565% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 4,291 |
| Loan loss allowance to noncurrent loans | 50.6427% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 4.4333% | 500 |
| Noncurrent loans to loans | 2.5042% | 1,383 |
| Net loans and leases to total assets | 50.1062% | 4,898 |
| Net loans and leases to deposits | 59.4872% | 4,809 |
| Net loans and leases to core deposits | 59.4872% | 5,084 |
| Total domestic deposits to total assets | 84.2301% | 4,199 |
| Equity capital to assets | 6.9881% | 6,448 |
| Core capital (leverage) ratio | 1.9282% | 6,723 |
| Tier 1 risk-based capital ratio | 2.5930% | 6,723 |
| Total risk-based capital ratio | 3.5036% | 6,725 |
| Memoranda: | ||
| Average total assets | $31,334,500 | 6,430 |
| Average earning assets | $23,067,000 | 6,525 |
| Average equity | $2,176,000 | 6,578 |
| Average total loans | $16,277,500 | 6,295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 1,910 |
| Cost of funding earning assets | 1.1019% | 277 |
| Net interest margin | 3.4862% | 3,957 |
| Noninterest income to average assets | 7.2304% | 87 |
| Noninterest expense to average assets | 14.7287% | 52 |
| Loan and lease loss provision to assets | 0.5807% | 443 |
| Net operating income to assets | -5.3751% | 6,802 |
| Return on assets (ROA) | -5.3751% | 6,803 |
| Pretax return on assets | -5.3751% | 6,802 |
| Return on Equity (ROE) | -78.5124% | 6,797 |
| Retained earnings to average equity (ytd only) | -78.5124% | 6,797 |
| Net charge-offs to loans | 1.7929% | 229 |
| Credit loss provision to net charge-offs | 55.8739% | 3,677 |
| Earnings coverage of net charge-offs (x) | -4.6132% | 5,384 |
| Efficiency ratio | 147.4820% | 68 |
| Assets per employee ($millions) | 1.0342% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 5,655 |
| Loan loss allowance to noncurrent loans | 29.9283% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 4.7598% | 511 |
| Noncurrent loans to loans | 3.2783% | 1,008 |
| Net loans and leases to total assets | 52.5702% | 4,779 |
| Net loans and leases to deposits | 63.2491% | 4,588 |
| Net loans and leases to core deposits | 63.8506% | 4,882 |
| Total domestic deposits to total assets | 83.1160% | 4,510 |
| Equity capital to assets | 6.9027% | 6,482 |
| Core capital (leverage) ratio | 2.0342% | 6,798 |
| Tier 1 risk-based capital ratio | 2.5838% | 6,802 |
| Total risk-based capital ratio | 3.2719% | 6,805 |
| Memoranda: | ||
| Average total assets | $33,580,600 | 6,442 |
| Average earning assets | $26,045,200 | 6,527 |
| Average equity | $2,299,000 | 6,652 |
| Average total loans | $19,465,600 | 6,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,970 |
| Cost of funding earning assets | 1.1030% | 303 |
| Net interest margin | 3.4694% | 4,018 |
| Noninterest income to average assets | 6.8587% | 99 |
| Noninterest expense to average assets | 14.4045% | 51 |
| Loan and lease loss provision to assets | 0.7656% | 265 |
| Net operating income to assets | -5.5945% | 6,882 |
| Return on assets (ROA) | -5.5945% | 6,882 |
| Pretax return on assets | -5.5945% | 6,882 |
| Return on Equity (ROE) | -81.8768% | 6,878 |
| Retained earnings to average equity (ytd only) | -81.8768% | 6,876 |
| Net charge-offs to loans | 2.3177% | 143 |
| Credit loss provision to net charge-offs | 55.8739% | 3,382 |
| Earnings coverage of net charge-offs (x) | -3.5244% | 5,113 |
| Efficiency ratio | 149.6515% | 74 |
| Assets per employee ($millions) | 0.9983% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,914 |
| Loan loss allowance to noncurrent loans | 41.9598% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 4.0244% | 769 |
| Noncurrent loans to loans | 2.2688% | 1,933 |
| Net loans and leases to total assets | 51.1888% | 4,983 |
| Net loans and leases to deposits | 60.7411% | 4,896 |
| Net loans and leases to core deposits | 61.2788% | 5,184 |
| Total domestic deposits to total assets | 84.2736% | 4,073 |
| Equity capital to assets | 7.5804% | 6,366 |
| Core capital (leverage) ratio | 2.9990% | 6,858 |
| Tier 1 risk-based capital ratio | 4.2918% | 6,863 |
| Total risk-based capital ratio | 5.0232% | 6,868 |
| Memoranda: | ||
| Average total assets | $33,960,750 | 6,507 |
| Average earning assets | $26,593,500 | 6,590 |
| Average equity | $2,320,500 | 6,725 |
| Average total loans | $20,076,750 | 6,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,908 |
| Cost of funding earning assets | 1.1132% | 318 |
| Net interest margin | 3.4673% | 3,936 |
| Noninterest income to average assets | 7.2130% | 96 |
| Noninterest expense to average assets | 14.4318% | 51 |
| Loan and lease loss provision to assets | 1.1482% | 144 |
| Net operating income to assets | -5.6526% | 6,924 |
| Return on assets (ROA) | -5.6526% | 6,925 |
| Pretax return on assets | -5.6526% | 6,926 |
| Return on Equity (ROE) | -85.8549% | 6,925 |
| Retained earnings to average equity (ytd only) | -85.8549% | 6,922 |
| Net charge-offs to loans | 3.3841% | 85 |
| Credit loss provision to net charge-offs | 55.0847% | 3,120 |
| Earnings coverage of net charge-offs (x) | -2.1610% | 4,776 |
| Efficiency ratio | 144.6026% | 82 |
| Assets per employee ($millions) | 0.9372% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,159 |
| Loan loss allowance to noncurrent loans | 21.4096% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 4.8297% | 644 |
| Noncurrent loans to loans | 4.1627% | 908 |
| Net loans and leases to total assets | 50.2738% | 5,079 |
| Net loans and leases to deposits | 59.9799% | 4,982 |
| Net loans and leases to core deposits | 62.1386% | 5,083 |
| Total domestic deposits to total assets | 83.8177% | 4,397 |
| Equity capital to assets | 8.5615% | 5,703 |
| Core capital (leverage) ratio | 4.4272% | 6,857 |
| Tier 1 risk-based capital ratio | 5.9773% | 6,874 |
| Total risk-based capital ratio | 6.6419% | 6,888 |
| Memoranda: | ||
| Average total assets | $33,966,670 | 6,552 |
| Average earning assets | $26,591,000 | 6,638 |
| Average equity | $2,236,330 | 6,786 |
| Average total loans | $20,921,670 | 6,257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 1,363 |
| Cost of funding earning assets | 1.0939% | 385 |
| Net interest margin | 3.6712% | 2,981 |
| Noninterest income to average assets | 8.0740% | 87 |
| Noninterest expense to average assets | 14.8083% | 53 |
| Loan and lease loss provision to assets | 0.7483% | 306 |
| Net operating income to assets | -4.5258% | 6,992 |
| Return on assets (ROA) | -4.5258% | 6,992 |
| Pretax return on assets | -4.5258% | 6,991 |
| Return on Equity (ROE) | -81.9672% | 6,996 |
| Retained earnings to average equity (ytd only) | -81.9672% | 6,994 |
| Net charge-offs to loans | 0.2327% | 2,047 |
| Credit loss provision to net charge-offs | 476.9231% | 551 |
| Earnings coverage of net charge-offs (x) | -24.0769% | 4,129 |
| Efficiency ratio | 133.5886% | 132 |
| Assets per employee ($millions) | 0.9324% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 2,855 |
| Loan loss allowance to noncurrent loans | 82.7740% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 1,090 |
| Noncurrent loans to loans | 2.0972% | 2,508 |
| Net loans and leases to total assets | 62.3946% | 2,982 |
| Net loans and leases to deposits | 71.7481% | 3,214 |
| Net loans and leases to core deposits | 74.3856% | 3,531 |
| Total domestic deposits to total assets | 86.9634% | 2,981 |
| Equity capital to assets | 4.8887% | 6,895 |
| Core capital (leverage) ratio | 0.0825% | 7,018 |
| Tier 1 risk-based capital ratio | 0.1001% | 7,016 |
| Total risk-based capital ratio | 0.2002% | 7,016 |
| Memoranda: | ||
| Average total assets | $33,143,500 | 6,641 |
| Average earning assets | $26,694,000 | 6,701 |
| Average equity | $1,830,000 | 6,906 |
| Average total loans | $22,350,000 | 6,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 1,088 |
| Cost of funding earning assets | 1.0704% | 1,023 |
| Net interest margin | 4.1459% | 1,835 |
| Noninterest income to average assets | 6.7055% | 104 |
| Noninterest expense to average assets | 17.9308% | 42 |
| Loan and lease loss provision to assets | 0.1402% | 3,858 |
| Net operating income to assets | -7.6094% | 7,076 |
| Return on assets (ROA) | -7.6094% | 7,077 |
| Pretax return on assets | -8.0414% | 7,078 |
| Return on Equity (ROE) | -68.0585% | 7,046 |
| Retained earnings to average equity (ytd only) | -68.0585% | 7,045 |
| Net charge-offs to loans | 0.3668% | 2,799 |
| Credit loss provision to net charge-offs | 55.6818% | 4,555 |
| Earnings coverage of net charge-offs (x) | -31.3864% | 5,969 |
| Efficiency ratio | 130.8614% | 156 |
| Assets per employee ($millions) | 1.0907% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 4,297 |
| Loan loss allowance to noncurrent loans | 81.2658% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 3.6614% | 1,215 |
| Noncurrent loans to loans | 1.6890% | 3,088 |
| Net loans and leases to total assets | 70.4921% | 1,742 |
| Net loans and leases to deposits | 83.2702% | 1,842 |
| Net loans and leases to core deposits | 86.4992% | 2,249 |
| Total domestic deposits to total assets | 84.6546% | 4,012 |
| Equity capital to assets | 6.1705% | 6,877 |
| Core capital (leverage) ratio | 0.8669% | 7,078 |
| Tier 1 risk-based capital ratio | 1.0415% | 7,078 |
| Total risk-based capital ratio | 2.0831% | 7,078 |
| Memoranda: | ||
| Average total assets | $34,956,600 | 6,634 |
| Average earning assets | $28,027,400 | 6,716 |
| Average equity | $3,908,400 | 6,587 |
| Average total loans | $23,990,400 | 6,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 908 |
| Cost of funding earning assets | 1.0844% | 1,128 |
| Net interest margin | 4.2720% | 1,548 |
| Noninterest income to average assets | 6.0591% | 113 |
| Noninterest expense to average assets | 11.1122% | 69 |
| Loan and lease loss provision to assets | 0.1276% | 3,951 |
| Net operating income to assets | -1.1825% | 6,903 |
| Return on assets (ROA) | -1.1825% | 6,925 |
| Pretax return on assets | -1.7494% | 6,990 |
| Return on Equity (ROE) | -9.5872% | 6,853 |
| Retained earnings to average equity (ytd only) | -9.5872% | 6,804 |
| Net charge-offs to loans | 0.4032% | 2,484 |
| Credit loss provision to net charge-offs | 46.5753% | 4,480 |
| Earnings coverage of net charge-offs (x) | -5.9179% | 5,721 |
| Efficiency ratio | 116.3370% | 226 |
| Assets per employee ($millions) | 1.1998% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,820 |
| Loan loss allowance to noncurrent loans | 71.8121% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 3.4727% | 1,445 |
| Noncurrent loans to loans | 1.8094% | 3,063 |
| Net loans and leases to total assets | 67.7427% | 2,331 |
| Net loans and leases to deposits | 87.4449% | 1,422 |
| Net loans and leases to core deposits | 97.1397% | 1,326 |
| Total domestic deposits to total assets | 77.4691% | 6,171 |
| Equity capital to assets | 12.1295% | 2,163 |
| Core capital (leverage) ratio | 4.9293% | 7,032 |
| Tier 1 risk-based capital ratio | 5.1828% | 7,111 |
| Total risk-based capital ratio | 6.2500% | 7,116 |
| Memoranda: | ||
| Average total assets | $35,515,750 | 6,702 |
| Average earning assets | $28,526,250 | 6,785 |
| Average equity | $4,380,750 | 6,547 |
| Average total loans | $24,141,500 | 6,322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 1,380 |
| Cost of funding earning assets | 1.1112% | 1,168 |
| Net interest margin | 4.0376% | 2,352 |
| Noninterest income to average assets | 2.6078% | 284 |
| Noninterest expense to average assets | 9.5260% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -3.6090% | 7,180 |
| Return on assets (ROA) | -3.6090% | 7,183 |
| Pretax return on assets | -3.6090% | 7,176 |
| Return on Equity (ROE) | -29.0948% | 7,093 |
| Retained earnings to average equity (ytd only) | -29.0948% | 7,081 |
| Net charge-offs to loans | 0.1336% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -39.8750% | 5,492 |
| Efficiency ratio | 159.7514% | 84 |
| Assets per employee ($millions) | 1.2657% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,882 |
| Loan loss allowance to noncurrent loans | 80.1865% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 3.7632% | 1,378 |
| Noncurrent loans to loans | 1.9069% | 3,065 |
| Net loans and leases to total assets | 64.8260% | 2,869 |
| Net loans and leases to deposits | 76.4872% | 2,917 |
| Net loans and leases to core deposits | 84.6116% | 2,609 |
| Total domestic deposits to total assets | 84.7540% | 3,969 |
| Equity capital to assets | 11.8281% | 2,288 |
| Core capital (leverage) ratio | 8.0613% | 6,207 |
| Tier 1 risk-based capital ratio | 10.2466% | 6,767 |
| Total risk-based capital ratio | 11.4945% | 6,750 |
| Memoranda: | ||
| Average total assets | $35,356,000 | 6,757 |
| Average earning assets | $28,977,330 | 6,827 |
| Average equity | $4,385,670 | 6,574 |
| Average total loans | $23,953,670 | 6,371 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 3,258 |
| Cost of funding earning assets | 1.1562% | 1,152 |
| Net interest margin | 3.4951% | 4,726 |
| Noninterest income to average assets | 3.1602% | 224 |
| Noninterest expense to average assets | 8.8129% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.7262% | 7,209 |
| Return on assets (ROA) | -2.7262% | 7,208 |
| Pretax return on assets | -2.7262% | 7,194 |
| Return on Equity (ROE) | -21.5030% | 7,122 |
| Retained earnings to average equity (ytd only) | -21.5030% | 7,063 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.7898% | 118 |
| Assets per employee ($millions) | 1.5368% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 4,184 |
| Loan loss allowance to noncurrent loans | 57.0523% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 2,790 |
| Noncurrent loans to loans | 2.6189% | 2,484 |
| Net loans and leases to total assets | 67.1457% | 2,268 |
| Net loans and leases to deposits | 79.5882% | 2,264 |
| Net loans and leases to core deposits | 87.7639% | 2,074 |
| Total domestic deposits to total assets | 84.3664% | 4,340 |
| Equity capital to assets | 12.5470% | 1,696 |
| Core capital (leverage) ratio | 9.0219% | 4,809 |
| Tier 1 risk-based capital ratio | 11.8573% | 6,047 |
| Total risk-based capital ratio | 12.9903% | 6,113 |
| Memoranda: | ||
| Average total assets | $35,947,500 | 6,794 |
| Average earning assets | $30,099,000 | 6,844 |
| Average equity | $4,557,500 | 6,562 |
| Average total loans | $24,682,000 | 6,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7910% | 655 |
| Cost of funding earning assets | 1.1862% | 2,119 |
| Net interest margin | 4.6048% | 920 |
| Noninterest income to average assets | 1.1104% | 1,075 |
| Noninterest expense to average assets | 7.6124% | 117 |
| Loan and lease loss provision to assets | 0.6750% | 1,516 |
| Net operating income to assets | -1.9579% | 7,024 |
| Return on assets (ROA) | -1.9579% | 7,028 |
| Pretax return on assets | -3.2407% | 7,210 |
| Return on Equity (ROE) | -14.0349% | 6,863 |
| Retained earnings to average equity (ytd only) | -14.0349% | 6,840 |
| Net charge-offs to loans | 0.2838% | 4,003 |
| Credit loss provision to net charge-offs | 360.9375% | 643 |
| Earnings coverage of net charge-offs (x) | -13.7188% | 6,405 |
| Efficiency ratio | 149.3341% | 142 |
| Assets per employee ($millions) | 1.7404% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 4,354 |
| Loan loss allowance to noncurrent loans | 48.1283% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.0466% | 2,902 |
| Noncurrent loans to loans | 2.9600% | 2,193 |
| Net loans and leases to total assets | 68.1569% | 2,368 |
| Net loans and leases to deposits | 80.9765% | 2,365 |
| Net loans and leases to core deposits | 89.0056% | 2,251 |
| Total domestic deposits to total assets | 84.1688% | 4,250 |
| Equity capital to assets | 12.8051% | 1,596 |
| Core capital (leverage) ratio | 9.8779% | 3,484 |
| Tier 1 risk-based capital ratio | 12.6122% | 5,361 |
| Total risk-based capital ratio | 13.8613% | 5,352 |
| Memoranda: | ||
| Average total assets | $34,220,600 | 6,853 |
| Average earning assets | $29,252,400 | 6,891 |
| Average equity | $4,773,800 | 6,514 |
| Average total loans | $22,551,200 | 6,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 1,285 |
| Cost of funding earning assets | 1.2173% | 2,209 |
| Net interest margin | 4.2676% | 1,836 |
| Noninterest income to average assets | 0.5113% | 3,788 |
| Noninterest expense to average assets | 7.0036% | 139 |
| Loan and lease loss provision to assets | 0.9116% | 976 |
| Net operating income to assets | -2.6596% | 7,234 |
| Return on assets (ROA) | -2.6596% | 7,249 |
| Pretax return on assets | -3.7495% | 7,319 |
| Return on Equity (ROE) | -18.6490% | 7,078 |
| Retained earnings to average equity (ytd only) | -18.6490% | 7,061 |
| Net charge-offs to loans | 0.1158% | 4,861 |
| Credit loss provision to net charge-offs | 1,210.5263% | 225 |
| Earnings coverage of net charge-offs (x) | -37.6881% | 6,164 |
| Efficiency ratio | 166.3178% | 96 |
| Assets per employee ($millions) | 1.6952% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 3,110 |
| Loan loss allowance to noncurrent loans | 63.3229% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7921% | 3,406 |
| Noncurrent loans to loans | 2.7606% | 2,525 |
| Net loans and leases to total assets | 63.7837% | 3,352 |
| Net loans and leases to deposits | 75.7734% | 3,363 |
| Net loans and leases to core deposits | 86.7507% | 2,679 |
| Total domestic deposits to total assets | 84.1770% | 4,145 |
| Equity capital to assets | 13.0899% | 1,568 |
| Core capital (leverage) ratio | 9.9661% | 3,482 |
| Tier 1 risk-based capital ratio | 14.5662% | 3,930 |
| Total risk-based capital ratio | 15.8192% | 3,902 |
| Memoranda: | ||
| Average total assets | $33,638,750 | 6,935 |
| Average earning assets | $28,805,500 | 6,972 |
| Average equity | $4,797,250 | 6,559 |
| Average total loans | $21,871,500 | 6,625 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 1,400 |
| Cost of funding earning assets | 1.2555% | 2,220 |
| Net interest margin | 4.1992% | 2,038 |
| Noninterest income to average assets | 0.4002% | 4,684 |
| Noninterest expense to average assets | 6.2453% | 180 |
| Loan and lease loss provision to assets | 0.4729% | 2,097 |
| Net operating income to assets | -1.8493% | 7,169 |
| Return on assets (ROA) | -1.8493% | 7,174 |
| Pretax return on assets | -2.7285% | 7,277 |
| Return on Equity (ROE) | -12.5955% | 7,000 |
| Retained earnings to average equity (ytd only) | -12.5955% | 6,960 |
| Net charge-offs to loans | 0.1491% | 4,294 |
| Credit loss provision to net charge-offs | 487.5000% | 638 |
| Earnings coverage of net charge-offs (x) | -23.2500% | 5,844 |
| Efficiency ratio | 154.5593% | 138 |
| Assets per employee ($millions) | 1.7357% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,346 |
| Loan loss allowance to noncurrent loans | 45.3737% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 3,763 |
| Noncurrent loans to loans | 2.1997% | 3,224 |
| Net loans and leases to total assets | 72.8661% | 1,623 |
| Net loans and leases to deposits | 87.9730% | 1,504 |
| Net loans and leases to core deposits | 99.3285% | 1,401 |
| Total domestic deposits to total assets | 82.8278% | 4,836 |
| Equity capital to assets | 14.4557% | 951 |
| Core capital (leverage) ratio | 10.9730% | 2,276 |
| Tier 1 risk-based capital ratio | 13.7530% | 4,339 |
| Total risk-based capital ratio | 14.7900% | 4,483 |
| Memoranda: | ||
| Average total assets | $32,985,000 | 7,020 |
| Average earning assets | $28,195,670 | 7,054 |
| Average equity | $4,843,000 | 6,581 |
| Average total loans | $21,458,330 | 6,726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 2,078 |
| Cost of funding earning assets | 1.3729% | 1,754 |
| Net interest margin | 3.8705% | 3,296 |
| Noninterest income to average assets | 0.4234% | 4,506 |
| Noninterest expense to average assets | 6.1144% | 187 |
| Loan and lease loss provision to assets | 0.1619% | 4,010 |
| Net operating income to assets | -1.6064% | 7,221 |
| Return on assets (ROA) | -1.6064% | 7,223 |
| Pretax return on assets | -2.5528% | 7,334 |
| Return on Equity (ROE) | -10.8506% | 7,048 |
| Retained earnings to average equity (ytd only) | -10.8506% | 6,901 |
| Net charge-offs to loans | 0.2267% | 3,179 |
| Credit loss provision to net charge-offs | 118.1818% | 2,298 |
| Earnings coverage of net charge-offs (x) | -17.4545% | 5,074 |
| Efficiency ratio | 162.2074% | 119 |
| Assets per employee ($millions) | 2.3121% | 7,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,399 |
| Loan loss allowance to noncurrent loans | 82.6271% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9330% | 5,024 |
| Noncurrent loans to loans | 1.2101% | 4,662 |
| Net loans and leases to total assets | 59.6478% | 4,335 |
| Net loans and leases to deposits | 74.4419% | 3,690 |
| Net loans and leases to core deposits | 85.2262% | 3,003 |
| Total domestic deposits to total assets | 80.1267% | 5,910 |
| Equity capital to assets | 14.4887% | 881 |
| Core capital (leverage) ratio | 9.5183% | 3,780 |
| Tier 1 risk-based capital ratio | 15.7824% | 3,008 |
| Total risk-based capital ratio | 16.7937% | 3,091 |
| Memoranda: | ||
| Average total assets | $32,121,000 | 7,095 |
| Average earning assets | $27,386,500 | 7,123 |
| Average equity | $4,755,500 | 6,631 |
| Average total loans | $19,413,000 | 6,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 2,027 |
| Cost of funding earning assets | 1.4033% | 3,249 |
| Net interest margin | 4.1627% | 2,318 |
| Noninterest income to average assets | 0.5673% | 3,696 |
| Noninterest expense to average assets | 6.2299% | 204 |
| Loan and lease loss provision to assets | 0.1818% | 5,401 |
| Net operating income to assets | -1.3820% | 6,865 |
| Return on assets (ROA) | -1.3820% | 6,886 |
| Pretax return on assets | -2.3276% | 7,119 |
| Return on Equity (ROE) | -7.5078% | 6,587 |
| Retained earnings to average equity (ytd only) | -7.5078% | 6,494 |
| Net charge-offs to loans | 0.2595% | 4,737 |
| Credit loss provision to net charge-offs | 128.2051% | 3,130 |
| Earnings coverage of net charge-offs (x) | -15.1282% | 6,812 |
| Efficiency ratio | 150.2226% | 212 |
| Assets per employee ($millions) | 2.2766% | 7,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,397 |
| Loan loss allowance to noncurrent loans | 71.2177% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 4,892 |
| Noncurrent loans to loans | 1.4025% | 4,381 |
| Net loans and leases to total assets | 60.0213% | 4,677 |
| Net loans and leases to deposits | 73.2445% | 4,321 |
| Net loans and leases to core deposits | 83.7529% | 3,632 |
| Total domestic deposits to total assets | 81.9465% | 5,206 |
| Equity capital to assets | 15.1261% | 758 |
| Core capital (leverage) ratio | 10.3937% | 2,679 |
| Tier 1 risk-based capital ratio | 15.0235% | 3,240 |
| Total risk-based capital ratio | 15.9396% | 3,391 |
| Memoranda: | ||
| Average total assets | $27,496,600 | 7,276 |
| Average earning assets | $23,230,200 | 7,316 |
| Average equity | $5,061,400 | 6,647 |
| Average total loans | $15,027,200 | 7,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 1,987 |
| Cost of funding earning assets | 1.3754% | 3,741 |
| Net interest margin | 4.2457% | 2,047 |
| Noninterest income to average assets | 0.5555% | 3,750 |
| Noninterest expense to average assets | 5.2468% | 315 |
| Loan and lease loss provision to assets | 0.0757% | 6,291 |
| Net operating income to assets | -0.8282% | 6,804 |
| Return on assets (ROA) | -0.8282% | 6,843 |
| Pretax return on assets | -1.1817% | 6,938 |
| Return on Equity (ROE) | -4.2695% | 6,585 |
| Retained earnings to average equity (ytd only) | -4.2695% | 6,489 |
| Net charge-offs to loans | 0.3058% | 4,136 |
| Credit loss provision to net charge-offs | 46.8750% | 5,928 |
| Earnings coverage of net charge-offs (x) | -6.8430% | 6,609 |
| Efficiency ratio | 124.3902% | 347 |
| Assets per employee ($millions) | 2.1856% | 7,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,406 |
| Loan loss allowance to noncurrent loans | 61.7978% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 5,352 |
| Noncurrent loans to loans | 1.6139% | 4,224 |
| Net loans and leases to total assets | 53.5296% | 5,913 |
| Net loans and leases to deposits | 66.6084% | 5,592 |
| Net loans and leases to core deposits | 70.9847% | 5,644 |
| Total domestic deposits to total assets | 80.3647% | 5,591 |
| Equity capital to assets | 16.4945% | 590 |
| Core capital (leverage) ratio | 11.3902% | 2,017 |
| Tier 1 risk-based capital ratio | 18.3836% | 1,906 |
| Total risk-based capital ratio | 19.2846% | 1,977 |
| Memoranda: | ||
| Average total assets | $26,402,750 | 7,398 |
| Average earning assets | $22,296,500 | 7,437 |
| Average equity | $5,121,500 | 6,712 |
| Average total loans | $13,953,250 | 7,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 2,149 |
| Cost of funding earning assets | 1.2542% | 4,799 |
| Net interest margin | 4.3422% | 1,630 |
| Noninterest income to average assets | 0.5999% | 3,332 |
| Noninterest expense to average assets | 5.5270% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.7519% | 6,837 |
| Return on assets (ROA) | -0.7519% | 6,852 |
| Pretax return on assets | -1.2718% | 6,996 |
| Return on Equity (ROE) | -3.6531% | 6,585 |
| Retained earnings to average equity (ytd only) | -3.6531% | 6,397 |
| Net charge-offs to loans | 0.3514% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -6.9130% | 6,303 |
| Efficiency ratio | 127.4436% | 336 |
| Assets per employee ($millions) | 1.7738% | 7,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 6,185 |
| Loan loss allowance to noncurrent loans | 107.4324% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 6,224 |
| Noncurrent loans to loans | 0.9757% | 5,357 |
| Net loans and leases to total assets | 49.7745% | 6,457 |
| Net loans and leases to deposits | 62.2057% | 6,214 |
| Net loans and leases to core deposits | 66.3616% | 6,214 |
| Total domestic deposits to total assets | 80.0159% | 5,717 |
| Equity capital to assets | 16.9530% | 533 |
| Core capital (leverage) ratio | 14.1545% | 891 |
| Tier 1 risk-based capital ratio | 19.7469% | 1,556 |
| Total risk-based capital ratio | 20.6068% | 1,606 |
| Memoranda: | ||
| Average total assets | $25,004,330 | 7,499 |
| Average earning assets | $21,049,330 | 7,529 |
| Average equity | $5,146,330 | 6,730 |
| Average total loans | $13,089,670 | 7,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 1,199 |
| Cost of funding earning assets | 1.2061% | 5,371 |
| Net interest margin | 4.6954% | 786 |
| Noninterest income to average assets | 0.7133% | 2,509 |
| Noninterest expense to average assets | 5.9208% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.3197% | 7,260 |
| Return on assets (ROA) | -1.3197% | 7,273 |
| Pretax return on assets | -1.3197% | 7,188 |
| Return on Equity (ROE) | -5.7325% | 6,922 |
| Retained earnings to average equity (ytd only) | -5.7325% | 6,639 |
| Net charge-offs to loans | 0.3651% | 2,953 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -6.7273% | 5,545 |
| Efficiency ratio | 126.3566% | 374 |
| Assets per employee ($millions) | 1.4062% | 7,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,132 |
| Loan loss allowance to noncurrent loans | 164.4231% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 6,383 |
| Noncurrent loans to loans | 0.7687% | 5,789 |
| Net loans and leases to total assets | 55.8772% | 5,759 |
| Net loans and leases to deposits | 74.9986% | 4,581 |
| Net loans and leases to core deposits | 81.9509% | 4,493 |
| Total domestic deposits to total assets | 74.5043% | 6,981 |
| Equity capital to assets | 21.4507% | 230 |
| Core capital (leverage) ratio | 18.3898% | 349 |
| Tier 1 risk-based capital ratio | 24.9000% | 881 |
| Total risk-based capital ratio | 26.0036% | 868 |
| Memoranda: | ||
| Average total assets | $22,429,500 | 7,665 |
| Average earning assets | $18,571,500 | 7,690 |
| Average equity | $5,163,500 | 6,797 |
| Average total loans | $12,050,500 | 7,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 3,831 |
| Cost of funding earning assets | 1.1861% | 6,704 |
| Net interest margin | 4.3712% | 1,513 |
| Noninterest income to average assets | 0.5703% | 3,859 |
| Noninterest expense to average assets | 7.2778% | 190 |
| Loan and lease loss provision to assets | 1.0304% | 2,217 |
| Net operating income to assets | -2.3849% | 7,222 |
| Return on assets (ROA) | -2.3849% | 7,230 |
| Pretax return on assets | -4.3226% | 7,604 |
| Return on Equity (ROE) | -9.3434% | 6,568 |
| Retained earnings to average equity (ytd only) | -12.5679% | 6,726 |
| Net charge-offs to loans | 0.1727% | 5,567 |
| Credit loss provision to net charge-offs | 1,135.7143% | 263 |
| Earnings coverage of net charge-offs (x) | -36.2857% | 7,206 |
| Efficiency ratio | 178.3740% | 190 |
| Assets per employee ($millions) | 1.3096% | 7,926 |
| Cash dividends to net income (ytd only)* | -34.5109% | 7,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 2,861 |
| Loan loss allowance to noncurrent loans | 441.4634% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 6,977 |
| Noncurrent loans to loans | 0.3878% | 6,502 |
| Net loans and leases to total assets | 49.5919% | 6,680 |
| Net loans and leases to deposits | 66.4047% | 6,007 |
| Net loans and leases to core deposits | 94.3950% | 4,637 |
| Total domestic deposits to total assets | 74.6814% | 6,918 |
| Equity capital to assets | 24.8127% | 170 |
| Core capital (leverage) ratio | 23.5724% | 181 |
| Tier 1 risk-based capital ratio | 31.1354% | 473 |
| Total risk-based capital ratio | 32.3846% | 471 |
| Memoranda: | ||
| Average total assets | $15,430,400 | 7,886 |
| Average earning assets | $12,056,200 | 7,912 |
| Average equity | $3,938,600 | 7,316 |
| Average total loans | $8,107,800 | 7,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 4,007 |
| Cost of funding earning assets | 1.1618% | 6,996 |
| Net interest margin | 4.4125% | 1,413 |
| Noninterest income to average assets | 0.5314% | 4,223 |
| Noninterest expense to average assets | 7.3736% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -2.0498% | 7,341 |
| Return on assets (ROA) | -2.0498% | 7,338 |
| Pretax return on assets | -3.4543% | 7,605 |
| Return on Equity (ROE) | -7.9478% | 6,725 |
| Retained earnings to average equity (ytd only) | -12.6209% | 6,987 |
| Net charge-offs to loans | 0.0711% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -91.0544% | 6,973 |
| Efficiency ratio | 183.5351% | 186 |
| Assets per employee ($millions) | 1.5760% | 7,971 |
| Cash dividends to net income (ytd only)* | -58.7972% | 7,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3889% | 7,832 |
| Loan loss allowance to noncurrent loans | 246.1538% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 7,369 |
| Noncurrent loans to loans | 0.1580% | 7,091 |
| Net loans and leases to total assets | 47.2831% | 7,012 |
| Net loans and leases to deposits | 59.6276% | 6,857 |
| Net loans and leases to core deposits | 86.3569% | 5,829 |
| Total domestic deposits to total assets | 79.2974% | 5,695 |
| Equity capital to assets | 20.1257% | 333 |
| Core capital (leverage) ratio | 15.4444% | 775 |
| Tier 1 risk-based capital ratio | 23.1053% | 1,097 |
| Total risk-based capital ratio | 23.4154% | 1,184 |
| Memoranda: | ||
| Average total assets | $14,049,750 | 7,998 |
| Average earning assets | $10,787,250 | 8,011 |
| Average equity | $3,623,500 | 7,472 |
| Average total loans | $7,491,750 | 7,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7491% | 3,297 |
| Cost of funding earning assets | 1.0677% | 7,439 |
| Net interest margin | 4.6814% | 826 |
| Noninterest income to average assets | 0.5404% | 4,108 |
| Noninterest expense to average assets | 7.7503% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.4085% | 7,540 |
| Return on assets (ROA) | -2.4085% | 7,536 |
| Pretax return on assets | -3.6899% | 7,703 |
| Return on Equity (ROE) | -8.5052% | 6,934 |
| Retained earnings to average equity (ytd only) | -15.4294% | 7,262 |
| Net charge-offs to loans | 0.0552% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -119.5000% | 6,615 |
| Efficiency ratio | 185.9316% | 228 |
| Assets per employee ($millions) | 1.2188% | 8,110 |
| Cash dividends to net income (ytd only)* | -81.4103% | 8,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4275% | 7,875 |
| Loan loss allowance to noncurrent loans | 109.6774% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,978 |
| Noncurrent loans to loans | 0.3897% | 6,535 |
| Net loans and leases to total assets | 54.1538% | 6,430 |
| Net loans and leases to deposits | 75.4717% | 5,248 |
| Net loans and leases to core deposits | 113.2885% | 2,989 |
| Total domestic deposits to total assets | 71.7538% | 7,271 |
| Equity capital to assets | 24.2188% | 222 |
| Core capital (leverage) ratio | 19.7901% | 371 |
| Tier 1 risk-based capital ratio | 25.4553% | 903 |
| Total risk-based capital ratio | 25.8112% | 965 |
| Memoranda: | ||
| Average total assets | $12,954,330 | 8,106 |
| Average earning assets | $9,740,670 | 8,117 |
| Average equity | $3,668,330 | 7,516 |
| Average total loans | $7,246,000 | 7,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0481% | 2,161 |
| Cost of funding earning assets | 1.1118% | 7,497 |
| Net interest margin | 4.9363% | 469 |
| Noninterest income to average assets | 0.6271% | 3,364 |
| Noninterest expense to average assets | 7.5254% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.1454% | 7,698 |
| Return on assets (ROA) | -2.1454% | 7,696 |
| Pretax return on assets | -3.2346% | 7,799 |
| Return on Equity (ROE) | -6.9677% | 7,141 |
| Retained earnings to average equity (ytd only) | -20.5815% | 7,662 |
| Net charge-offs to loans | 0.1161% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -49.0000% | 5,694 |
| Efficiency ratio | 170.7692% | 273 |
| Assets per employee ($millions) | 1.0984% | 8,176 |
| Cash dividends to net income (ytd only)* | -195.3846% | 8,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4909% | 7,839 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 6,571 |
| Noncurrent loans to loans | 0.5487% | 6,046 |
| Net loans and leases to total assets | 57.0435% | 6,091 |
| Net loans and leases to deposits | 89.2284% | 3,063 |
| Net loans and leases to core deposits | 116.5173% | 2,739 |
| Total domestic deposits to total assets | 63.9298% | 7,846 |
| Equity capital to assets | 30.1026% | 146 |
| Core capital (leverage) ratio | 22.6590% | 293 |
| Tier 1 risk-based capital ratio | 30.4301% | 604 |
| Total risk-based capital ratio | 30.8408% | 629 |
| Memoranda: | ||
| Average total assets | $12,119,000 | 8,165 |
| Average earning assets | $8,994,500 | 8,177 |
| Average equity | $3,731,500 | 7,546 |
| Average total loans | $6,892,000 | 8,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7871% | 1,726 |
| Cost of funding earning assets | 1.5869% | 7,476 |
| Net interest margin | 5.2002% | 343 |
| Noninterest income to average assets | 0.7759% | 2,640 |
| Noninterest expense to average assets | 6.7037% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.0188% | 7,259 |
| Return on assets (ROA) | -1.0015% | 7,171 |
| Pretax return on assets | -2.0571% | 7,451 |
| Return on Equity (ROE) | -2.8669% | 6,601 |
| Retained earnings to average equity (ytd only) | -2.8669% | 6,071 |
| Net charge-offs to loans | 0.1000% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -46.2000% | 6,982 |
| Efficiency ratio | 140.0391% | 403 |
| Assets per employee ($millions) | 1.3507% | 8,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5249% | 7,809 |
| Loan loss allowance to noncurrent loans | 25.5319% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 3,949 |
| Noncurrent loans to loans | 2.0560% | 2,687 |
| Net loans and leases to total assets | 56.1204% | 6,424 |
| Net loans and leases to deposits | 87.5513% | 3,860 |
| Net loans and leases to core deposits | 110.3526% | 3,738 |
| Total domestic deposits to total assets | 64.1000% | 7,788 |
| Equity capital to assets | 31.4742% | 159 |
| Core capital (leverage) ratio | 25.2877% | 258 |
| Tier 1 risk-based capital ratio | 32.6844% | 521 |
| Total risk-based capital ratio | 33.1197% | 545 |
| Memoranda: | ||
| Average total assets | $11,083,400 | 8,231 |
| Average earning assets | $8,192,000 | 8,245 |
| Average equity | $3,871,800 | 7,559 |
| Average total loans | $4,999,200 | 8,161 |