Home > Twin Oaks Savings Bank > Performance and Condition Ratios
Twin Oaks Savings Bank, Performance and Condition Ratios
| 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 | 3.6329% | 5,058 |
| Cost of funding earning assets | 0.8209% | 621 |
| Net interest margin | 2.8119% | 5,857 |
| Noninterest income to average assets | 0.3275% | 4,816 |
| Noninterest expense to average assets | 3.2373% | 2,065 |
| Loan and lease loss provision to assets | 1.7724% | 39 |
| Net operating income to assets | -1.0417% | 6,466 |
| Return on assets (ROA) | -0.9967% | 6,459 |
| Pretax return on assets | -1.9412% | 6,516 |
| Return on Equity (ROE) | -9.8246% | 6,441 |
| Retained earnings to average equity (ytd only) | -9.8246% | 6,372 |
| Net charge-offs to loans | 1.1142% | 260 |
| Credit loss provision to net charge-offs | 331.5789% | 844 |
| Earnings coverage of net charge-offs (x) | -0.4474% | 4,497 |
| Efficiency ratio | 107.9759% | 247 |
| Assets per employee ($millions) | 4.2039% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9687% | 83 |
| Loan loss allowance to noncurrent loans | 76.3410% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 3.3112% | 665 |
| Noncurrent loans to loans | 6.5085% | 193 |
| Net loans and leases to total assets | 48.3468% | 5,173 |
| Net loans and leases to deposits | 59.5566% | 4,979 |
| Net loans and leases to core deposits | 60.4002% | 5,165 |
| Total domestic deposits to total assets | 81.1779% | 4,775 |
| Equity capital to assets | 10.6361% | 3,386 |
| Core capital (leverage) ratio | 9.7726% | 3,966 |
| Tier 1 risk-based capital ratio | 20.2496% | 1,603 |
| Total risk-based capital ratio | 21.5454% | 1,561 |
| Memoranda: | ||
| Average total assets | $66,350,750 | 5,444 |
| Average earning assets | $63,016,000 | 5,367 |
| Average equity | $6,731,250 | 5,525 |
| Average total loans | $31,831,500 | 5,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 5,092 |
| Cost of funding earning assets | 0.8578% | 537 |
| Net interest margin | 2.7637% | 5,968 |
| Noninterest income to average assets | 0.3291% | 4,783 |
| Noninterest expense to average assets | 3.2410% | 2,070 |
| Loan and lease loss provision to assets | 1.6961% | 46 |
| Net operating income to assets | -1.0126% | 6,528 |
| Return on assets (ROA) | -0.9518% | 6,518 |
| Pretax return on assets | -1.8859% | 6,581 |
| Return on Equity (ROE) | -9.5262% | 6,510 |
| Retained earnings to average equity (ytd only) | -9.5262% | 6,409 |
| Net charge-offs to loans | 0.1890% | 1,898 |
| Credit loss provision to net charge-offs | 1,906.6667% | 196 |
| Earnings coverage of net charge-offs (x) | -3.2000% | 4,269 |
| Efficiency ratio | 109.6289% | 237 |
| Assets per employee ($millions) | 4.1556% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7835% | 95 |
| Loan loss allowance to noncurrent loans | 80.8511% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 914 |
| Noncurrent loans to loans | 5.9164% | 270 |
| Net loans and leases to total assets | 45.5046% | 5,414 |
| Net loans and leases to deposits | 56.2452% | 5,173 |
| Net loans and leases to core deposits | 57.5373% | 5,305 |
| Total domestic deposits to total assets | 80.9039% | 5,014 |
| Equity capital to assets | 10.2963% | 3,699 |
| Core capital (leverage) ratio | 9.6769% | 4,074 |
| Tier 1 risk-based capital ratio | 20.7655% | 1,492 |
| Total risk-based capital ratio | 22.0584% | 1,467 |
| Memoranda: | ||
| Average total assets | $67,448,000 | 5,460 |
| Average earning assets | $64,116,670 | 5,381 |
| Average equity | $6,739,330 | 5,552 |
| Average total loans | $31,748,330 | 5,591 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 5,033 |
| Cost of funding earning assets | 0.8964% | 465 |
| Net interest margin | 2.7447% | 6,038 |
| Noninterest income to average assets | 0.2179% | 5,611 |
| Noninterest expense to average assets | 2.7912% | 3,602 |
| Loan and lease loss provision to assets | 3.0562% | 18 |
| Net operating income to assets | -1.6429% | 6,644 |
| Return on assets (ROA) | -1.6429% | 6,640 |
| Pretax return on assets | -3.0150% | 6,688 |
| Return on Equity (ROE) | -16.6916% | 6,611 |
| Retained earnings to average equity (ytd only) | -16.6916% | 6,490 |
| Net charge-offs to loans | 0.0126% | 3,354 |
| Credit loss provision to net charge-offs | 51,900.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,166 |
| Efficiency ratio | 98.5447% | 524 |
| Assets per employee ($millions) | 4.2485% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7373% | 107 |
| Loan loss allowance to noncurrent loans | 228.0488% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9901% | 3,286 |
| Noncurrent loans to loans | 2.0773% | 1,782 |
| Net loans and leases to total assets | 44.2553% | 5,482 |
| Net loans and leases to deposits | 54.0468% | 5,283 |
| Net loans and leases to core deposits | 55.6402% | 5,376 |
| Total domestic deposits to total assets | 81.8833% | 4,976 |
| Equity capital to assets | 9.8005% | 4,110 |
| Core capital (leverage) ratio | 9.6384% | 4,084 |
| Tier 1 risk-based capital ratio | 21.4061% | 1,394 |
| Total risk-based capital ratio | 22.6978% | 1,362 |
| Memoranda: | ||
| Average total assets | $67,927,000 | 5,508 |
| Average earning assets | $64,706,500 | 5,419 |
| Average equity | $6,686,000 | 5,595 |
| Average total loans | $31,734,500 | 5,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 5,963 |
| Cost of funding earning assets | 0.9336% | 627 |
| Net interest margin | 2.3925% | 6,452 |
| Noninterest income to average assets | 0.3510% | 4,803 |
| Noninterest expense to average assets | 2.3154% | 5,327 |
| Loan and lease loss provision to assets | 0.5024% | 556 |
| Net operating income to assets | 0.0485% | 6,134 |
| Return on assets (ROA) | 0.0566% | 6,168 |
| Pretax return on assets | -0.1727% | 6,336 |
| Return on Equity (ROE) | 0.5782% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.5782% | 5,582 |
| Net charge-offs to loans | 1.5113% | 310 |
| Credit loss provision to net charge-offs | 72.0081% | 3,247 |
| Earnings coverage of net charge-offs (x) | 0.4544% | 4,928 |
| Efficiency ratio | 87.9570% | 1,224 |
| Assets per employee ($millions) | 4.2424% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0668% | 431 |
| Loan loss allowance to noncurrent loans | 69.2635% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 1,699 |
| Noncurrent loans to loans | 4.4277% | 609 |
| Net loans and leases to total assets | 45.5405% | 5,530 |
| Net loans and leases to deposits | 57.1851% | 5,190 |
| Net loans and leases to core deposits | 58.9170% | 5,314 |
| Total domestic deposits to total assets | 79.6370% | 5,522 |
| Equity capital to assets | 9.8854% | 3,921 |
| Core capital (leverage) ratio | 10.0048% | 3,568 |
| Tier 1 risk-based capital ratio | 21.9559% | 1,266 |
| Total risk-based capital ratio | 23.2266% | 1,242 |
| Memoranda: | ||
| Average total assets | $70,656,600 | 5,451 |
| Average earning assets | $67,376,200 | 5,364 |
| Average equity | $6,917,600 | 5,591 |
| Average total loans | $32,620,000 | 5,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 6,138 |
| Cost of funding earning assets | 0.9369% | 679 |
| Net interest margin | 2.3110% | 6,582 |
| Noninterest income to average assets | 0.3457% | 4,924 |
| Noninterest expense to average assets | 2.3153% | 5,291 |
| Loan and lease loss provision to assets | 0.6634% | 332 |
| Net operating income to assets | -0.1098% | 6,392 |
| Return on assets (ROA) | -0.0990% | 6,419 |
| Pretax return on assets | -0.4130% | 6,563 |
| Return on Equity (ROE) | -1.0138% | 6,426 |
| Retained earnings to average equity (ytd only) | -1.0138% | 6,137 |
| Net charge-offs to loans | 2.0039% | 187 |
| Credit loss provision to net charge-offs | 72.0081% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.2535% | 4,782 |
| Efficiency ratio | 90.8358% | 930 |
| Assets per employee ($millions) | 4.2861% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0473% | 524 |
| Loan loss allowance to noncurrent loans | 93.4097% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 2,608 |
| Noncurrent loans to loans | 3.2623% | 1,204 |
| Net loans and leases to total assets | 45.3732% | 5,600 |
| Net loans and leases to deposits | 56.1600% | 5,365 |
| Net loans and leases to core deposits | 58.2457% | 5,432 |
| Total domestic deposits to total assets | 80.7927% | 5,272 |
| Equity capital to assets | 9.6110% | 4,404 |
| Core capital (leverage) ratio | 9.6390% | 4,184 |
| Tier 1 risk-based capital ratio | 21.2715% | 1,442 |
| Total risk-based capital ratio | 22.5354% | 1,405 |
| Memoranda: | ||
| Average total assets | $71,351,250 | 5,492 |
| Average earning assets | $68,021,000 | 5,405 |
| Average equity | $6,969,500 | 5,645 |
| Average total loans | $32,802,500 | 5,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 6,194 |
| Cost of funding earning assets | 0.9427% | 733 |
| Net interest margin | 2.2857% | 6,633 |
| Noninterest income to average assets | 0.3708% | 4,742 |
| Noninterest expense to average assets | 2.3272% | 5,285 |
| Loan and lease loss provision to assets | -0.0277% | 6,609 |
| Net operating income to assets | 0.2317% | 5,818 |
| Return on assets (ROA) | 0.2546% | 5,892 |
| Pretax return on assets | 0.2767% | 5,936 |
| Return on Equity (ROE) | 2.5931% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.5931% | 4,655 |
| Net charge-offs to loans | 2.7120% | 126 |
| Credit loss provision to net charge-offs | -2.2321% | 5,427 |
| Earnings coverage of net charge-offs (x) | 0.1808% | 4,487 |
| Efficiency ratio | 91.2148% | 963 |
| Assets per employee ($millions) | 4.4454% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 1,789 |
| Loan loss allowance to noncurrent loans | 82.7673% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 2,590 |
| Noncurrent loans to loans | 2.4519% | 1,910 |
| Net loans and leases to total assets | 44.6616% | 5,676 |
| Net loans and leases to deposits | 55.1397% | 5,426 |
| Net loans and leases to core deposits | 57.1465% | 5,510 |
| Total domestic deposits to total assets | 80.9971% | 5,337 |
| Equity capital to assets | 9.6589% | 4,371 |
| Core capital (leverage) ratio | 9.5108% | 4,233 |
| Tier 1 risk-based capital ratio | 21.3146% | 1,419 |
| Total risk-based capital ratio | 22.5727% | 1,391 |
| Memoranda: | ||
| Average total assets | $72,275,670 | 5,503 |
| Average earning assets | $68,950,000 | 5,419 |
| Average equity | $7,095,670 | 5,660 |
| Average total loans | $33,038,670 | 5,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 6,066 |
| Cost of funding earning assets | 0.9640% | 730 |
| Net interest margin | 2.3755% | 6,622 |
| Noninterest income to average assets | 0.3734% | 4,685 |
| Noninterest expense to average assets | 2.3061% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3114% | 5,532 |
| Return on assets (ROA) | 0.3569% | 5,462 |
| Pretax return on assets | 0.3898% | 5,595 |
| Return on Equity (ROE) | 3.6069% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.6069% | 4,081 |
| Net charge-offs to loans | 0.7197% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0333% | 3,497 |
| Efficiency ratio | 87.1369% | 1,405 |
| Assets per employee ($millions) | 4.5958% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1864% | 554 |
| Loan loss allowance to noncurrent loans | 109.5436% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 3,133 |
| Noncurrent loans to loans | 2.9088% | 1,729 |
| Net loans and leases to total assets | 43.6341% | 5,700 |
| Net loans and leases to deposits | 54.8790% | 5,363 |
| Net loans and leases to core deposits | 57.2343% | 5,415 |
| Total domestic deposits to total assets | 79.5096% | 5,870 |
| Equity capital to assets | 9.7713% | 4,463 |
| Core capital (leverage) ratio | 9.4031% | 4,233 |
| Tier 1 risk-based capital ratio | 20.9366% | 1,552 |
| Total risk-based capital ratio | 22.1349% | 1,536 |
| Memoranda: | ||
| Average total assets | $72,850,500 | 5,540 |
| Average earning assets | $69,711,000 | 5,443 |
| Average equity | $7,208,500 | 5,687 |
| Average total loans | $33,346,000 | 5,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 6,012 |
| Cost of funding earning assets | 1.1067% | 883 |
| Net interest margin | 2.6137% | 6,624 |
| Noninterest income to average assets | 0.4700% | 4,101 |
| Noninterest expense to average assets | 2.2903% | 5,713 |
| Loan and lease loss provision to assets | 0.3545% | 1,885 |
| Net operating income to assets | 0.3179% | 5,403 |
| Return on assets (ROA) | 0.3817% | 5,402 |
| Pretax return on assets | 0.3817% | 5,619 |
| Return on Equity (ROE) | 3.9877% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.9877% | 3,396 |
| Net charge-offs to loans | -0.0029% | 6,351 |
| Credit loss provision to net charge-offs | -26,100.0000% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3040% | 2,546 |
| Assets per employee ($millions) | 4.5106% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 496 |
| Loan loss allowance to noncurrent loans | 336.1446% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 5,327 |
| Noncurrent loans to loans | 0.9895% | 4,215 |
| Net loans and leases to total assets | 44.9431% | 5,736 |
| Net loans and leases to deposits | 56.8726% | 5,353 |
| Net loans and leases to core deposits | 59.3711% | 5,419 |
| Total domestic deposits to total assets | 79.0242% | 5,882 |
| Equity capital to assets | 10.0209% | 4,138 |
| Core capital (leverage) ratio | 9.4177% | 4,233 |
| Tier 1 risk-based capital ratio | 20.7328% | 1,520 |
| Total risk-based capital ratio | 22.0070% | 1,486 |
| Memoranda: | ||
| Average total assets | $73,615,600 | 5,524 |
| Average earning assets | $70,206,400 | 5,425 |
| Average equity | $7,046,600 | 5,752 |
| Average total loans | $34,025,400 | 5,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 6,127 |
| Cost of funding earning assets | 1.1312% | 939 |
| Net interest margin | 2.6200% | 6,740 |
| Noninterest income to average assets | 0.4091% | 4,561 |
| Noninterest expense to average assets | 2.2871% | 5,718 |
| Loan and lease loss provision to assets | 0.2001% | 3,078 |
| Net operating income to assets | 0.4181% | 5,173 |
| Return on assets (ROA) | 0.4290% | 5,360 |
| Pretax return on assets | 0.4290% | 5,650 |
| Return on Equity (ROE) | 4.5331% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.5331% | 3,706 |
| Net charge-offs to loans | -0.0039% | 6,252 |
| Credit loss provision to net charge-offs | -11,100.0000% | 6,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7221% | 2,281 |
| Assets per employee ($millions) | 4.4966% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8635% | 834 |
| Loan loss allowance to noncurrent loans | 652.7027% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,199 |
| Noncurrent loans to loans | 0.4387% | 5,570 |
| Net loans and leases to total assets | 45.5467% | 5,814 |
| Net loans and leases to deposits | 57.4885% | 5,482 |
| Net loans and leases to core deposits | 60.0099% | 5,560 |
| Total domestic deposits to total assets | 79.2275% | 5,818 |
| Equity capital to assets | 10.0895% | 4,373 |
| Core capital (leverage) ratio | 9.1474% | 4,832 |
| Tier 1 risk-based capital ratio | 20.5536% | 1,627 |
| Total risk-based capital ratio | 21.8218% | 1,590 |
| Memoranda: | ||
| Average total assets | $73,977,250 | 5,573 |
| Average earning assets | $70,482,500 | 5,472 |
| Average equity | $7,000,250 | 5,833 |
| Average total loans | $34,144,000 | 5,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 6,262 |
| Cost of funding earning assets | 1.1589% | 984 |
| Net interest margin | 2.5877% | 6,827 |
| Noninterest income to average assets | 0.3563% | 4,978 |
| Noninterest expense to average assets | 2.2986% | 5,742 |
| Loan and lease loss provision to assets | 0.0964% | 4,331 |
| Net operating income to assets | 0.4474% | 5,050 |
| Return on assets (ROA) | 0.4474% | 5,279 |
| Pretax return on assets | 0.4260% | 5,643 |
| Return on Equity (ROE) | 4.8308% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.8308% | 3,382 |
| Net charge-offs to loans | -0.0058% | 6,190 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,967 |
| Assets per employee ($millions) | 4.7179% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6060% | 1,143 |
| Loan loss allowance to noncurrent loans | 471.4286% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 6,145 |
| Noncurrent loans to loans | 0.5528% | 5,412 |
| Net loans and leases to total assets | 44.1122% | 6,006 |
| Net loans and leases to deposits | 54.7735% | 5,794 |
| Net loans and leases to core deposits | 57.0140% | 5,859 |
| Total domestic deposits to total assets | 80.5357% | 5,604 |
| Equity capital to assets | 9.3420% | 5,265 |
| Core capital (leverage) ratio | 8.7811% | 5,251 |
| Tier 1 risk-based capital ratio | 19.7653% | 1,770 |
| Total risk-based capital ratio | 21.0305% | 1,734 |
| Memoranda: | ||
| Average total assets | $74,654,330 | 5,587 |
| Average earning assets | $71,104,670 | 5,486 |
| Average equity | $6,914,000 | 5,875 |
| Average total loans | $34,280,330 | 5,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 6,377 |
| Cost of funding earning assets | 1.1906% | 1,025 |
| Net interest margin | 2.5456% | 6,920 |
| Noninterest income to average assets | 0.3287% | 5,231 |
| Noninterest expense to average assets | 2.3600% | 5,595 |
| Loan and lease loss provision to assets | 0.0647% | 4,616 |
| Net operating income to assets | 0.4203% | 5,163 |
| Return on assets (ROA) | 0.4203% | 5,357 |
| Pretax return on assets | 0.3233% | 5,922 |
| Return on Equity (ROE) | 4.5581% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.5581% | 3,846 |
| Net charge-offs to loans | -0.0117% | 5,995 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8824% | 1,497 |
| Assets per employee ($millions) | 4.7799% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5130% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,008.1395% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 6,526 |
| Noncurrent loans to loans | 0.2493% | 6,184 |
| Net loans and leases to total assets | 43.9787% | 6,012 |
| Net loans and leases to deposits | 55.3091% | 5,675 |
| Net loans and leases to core deposits | 57.5649% | 5,753 |
| Total domestic deposits to total assets | 79.5144% | 5,971 |
| Equity capital to assets | 9.0287% | 5,449 |
| Core capital (leverage) ratio | 8.7970% | 5,134 |
| Tier 1 risk-based capital ratio | 19.2265% | 1,926 |
| Total risk-based capital ratio | 20.4913% | 1,890 |
| Memoranda: | ||
| Average total assets | $74,238,000 | 5,637 |
| Average earning assets | $70,553,000 | 5,543 |
| Average equity | $6,845,000 | 5,918 |
| Average total loans | $34,325,500 | 5,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 6,359 |
| Cost of funding earning assets | 1.3847% | 1,103 |
| Net interest margin | 2.6676% | 6,954 |
| Noninterest income to average assets | 0.4015% | 4,600 |
| Noninterest expense to average assets | 2.3931% | 5,793 |
| Loan and lease loss provision to assets | 0.9709% | 989 |
| Net operating income to assets | -0.2961% | 6,340 |
| Return on assets (ROA) | 0.1209% | 5,937 |
| Pretax return on assets | 0.1746% | 5,845 |
| Return on Equity (ROE) | 1.3398% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.3398% | 5,222 |
| Net charge-offs to loans | 0.4686% | 3,114 |
| Credit loss provision to net charge-offs | 427.8107% | 533 |
| Earnings coverage of net charge-offs (x) | 2.3846% | 4,021 |
| Efficiency ratio | 81.5561% | 2,086 |
| Assets per employee ($millions) | 4.4999% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 1,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 6,757 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.2457% | 5,993 |
| Net loans and leases to deposits | 57.7965% | 5,713 |
| Net loans and leases to core deposits | 59.3533% | 5,899 |
| Total domestic deposits to total assets | 80.0147% | 5,739 |
| Equity capital to assets | 9.4239% | 4,998 |
| Core capital (leverage) ratio | 8.8880% | 4,964 |
| Tier 1 risk-based capital ratio | 19.4364% | 1,785 |
| Total risk-based capital ratio | 20.7005% | 1,747 |
| Memoranda: | ||
| Average total assets | $74,463,400 | 5,627 |
| Average earning assets | $70,699,800 | 5,513 |
| Average equity | $6,717,600 | 5,950 |
| Average total loans | $36,066,200 | 5,864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 6,461 |
| Cost of funding earning assets | 1.4207% | 1,149 |
| Net interest margin | 2.6544% | 7,029 |
| Noninterest income to average assets | 0.3623% | 4,972 |
| Noninterest expense to average assets | 2.4116% | 5,734 |
| Loan and lease loss provision to assets | 0.8045% | 1,156 |
| Net operating income to assets | -0.2903% | 6,474 |
| Return on assets (ROA) | 0.4049% | 5,159 |
| Pretax return on assets | 0.4671% | 5,268 |
| Return on Equity (ROE) | 4.5367% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.5367% | 3,490 |
| Net charge-offs to loans | 0.6640% | 2,257 |
| Credit loss provision to net charge-offs | 248.9011% | 1,154 |
| Earnings coverage of net charge-offs (x) | 1.4616% | 4,536 |
| Efficiency ratio | 83.6207% | 1,767 |
| Assets per employee ($millions) | 4.6488% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,550 |
| Loan loss allowance to noncurrent loans | 543.8095% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,412 |
| Noncurrent loans to loans | 0.2989% | 6,250 |
| Net loans and leases to total assets | 46.4654% | 6,105 |
| Net loans and leases to deposits | 57.6872% | 5,871 |
| Net loans and leases to core deposits | 59.1768% | 6,043 |
| Total domestic deposits to total assets | 80.5472% | 5,586 |
| Equity capital to assets | 9.2498% | 5,453 |
| Core capital (leverage) ratio | 8.8891% | 5,124 |
| Tier 1 risk-based capital ratio | 19.3548% | 1,848 |
| Total risk-based capital ratio | 20.6079% | 1,816 |
| Memoranda: | ||
| Average total assets | $75,079,750 | 5,645 |
| Average earning assets | $71,326,000 | 5,534 |
| Average equity | $6,700,750 | 5,999 |
| Average total loans | $36,545,250 | 5,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 6,335 |
| Cost of funding earning assets | 1.4554% | 1,179 |
| Net interest margin | 2.7208% | 7,004 |
| Noninterest income to average assets | 0.3558% | 5,039 |
| Noninterest expense to average assets | 2.4511% | 5,704 |
| Loan and lease loss provision to assets | 1.0436% | 814 |
| Net operating income to assets | -0.4678% | 6,662 |
| Return on assets (ROA) | 0.4329% | 4,946 |
| Pretax return on assets | 0.5072% | 5,044 |
| Return on Equity (ROE) | 4.9089% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.9089% | 3,054 |
| Net charge-offs to loans | 0.0216% | 5,537 |
| Credit loss provision to net charge-offs | 9,825.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 667 |
| Efficiency ratio | 83.3032% | 1,910 |
| Assets per employee ($millions) | 4.6929% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,726 |
| Loan loss allowance to noncurrent loans | 122.1631% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 5,403 |
| Noncurrent loans to loans | 1.5400% | 4,096 |
| Net loans and leases to total assets | 47.8585% | 6,066 |
| Net loans and leases to deposits | 59.0618% | 5,813 |
| Net loans and leases to core deposits | 60.3058% | 6,066 |
| Total domestic deposits to total assets | 81.0311% | 5,520 |
| Equity capital to assets | 8.8911% | 5,716 |
| Core capital (leverage) ratio | 8.9308% | 4,830 |
| Tier 1 risk-based capital ratio | 18.4096% | 2,038 |
| Total risk-based capital ratio | 19.6663% | 1,987 |
| Memoranda: | ||
| Average total assets | $75,313,000 | 5,678 |
| Average earning assets | $71,595,330 | 5,568 |
| Average equity | $6,641,000 | 6,038 |
| Average total loans | $37,016,330 | 5,935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 6,373 |
| Cost of funding earning assets | 1.5067% | 1,139 |
| Net interest margin | 2.6507% | 7,071 |
| Noninterest income to average assets | 0.3977% | 4,715 |
| Noninterest expense to average assets | 2.5455% | 5,402 |
| Loan and lease loss provision to assets | 0.0955% | 4,818 |
| Net operating income to assets | 0.2319% | 5,675 |
| Return on assets (ROA) | 0.4190% | 4,950 |
| Pretax return on assets | 0.4985% | 5,033 |
| Return on Equity (ROE) | 4.7709% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.7709% | 3,323 |
| Net charge-offs to loans | 0.1612% | 3,520 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,419 |
| Efficiency ratio | 87.2727% | 1,592 |
| Assets per employee ($millions) | 4.8266% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 6,876 |
| Loan loss allowance to noncurrent loans | 285.8491% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 6,468 |
| Noncurrent loans to loans | 0.2871% | 6,415 |
| Net loans and leases to total assets | 47.4167% | 6,146 |
| Net loans and leases to deposits | 58.3489% | 5,893 |
| Net loans and leases to core deposits | 59.5376% | 6,135 |
| Total domestic deposits to total assets | 81.2641% | 5,586 |
| Equity capital to assets | 8.6940% | 5,665 |
| Core capital (leverage) ratio | 8.6097% | 5,253 |
| Tier 1 risk-based capital ratio | 17.8502% | 2,164 |
| Total risk-based capital ratio | 18.6832% | 2,291 |
| Memoranda: | ||
| Average total assets | $75,426,500 | 5,713 |
| Average earning assets | $71,678,500 | 5,614 |
| Average equity | $6,623,500 | 6,054 |
| Average total loans | $37,212,500 | 5,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 6,457 |
| Cost of funding earning assets | 1.7704% | 1,300 |
| Net interest margin | 2.7050% | 7,116 |
| Noninterest income to average assets | 0.4374% | 4,611 |
| Noninterest expense to average assets | 2.3254% | 6,284 |
| Loan and lease loss provision to assets | 0.0926% | 6,216 |
| Net operating income to assets | 0.4473% | 4,326 |
| Return on assets (ROA) | 0.5636% | 3,991 |
| Pretax return on assets | 0.7434% | 3,821 |
| Return on Equity (ROE) | 6.4795% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.4795% | 1,562 |
| Net charge-offs to loans | -0.0963% | 7,499 |
| Credit loss provision to net charge-offs | -181.5789% | 7,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2971% | 2,828 |
| Assets per employee ($millions) | 4.6017% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 6,969 |
| Loan loss allowance to noncurrent loans | 212.7660% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 6,747 |
| Noncurrent loans to loans | 0.3760% | 6,297 |
| Net loans and leases to total assets | 50.5304% | 6,113 |
| Net loans and leases to deposits | 63.6891% | 5,664 |
| Net loans and leases to core deposits | 65.0829% | 5,970 |
| Total domestic deposits to total assets | 79.3391% | 6,002 |
| Equity capital to assets | 8.8731% | 5,323 |
| Core capital (leverage) ratio | 8.6433% | 5,117 |
| Tier 1 risk-based capital ratio | 17.6599% | 2,103 |
| Total risk-based capital ratio | 18.4860% | 2,221 |
| Memoranda: | ||
| Average total assets | $74,523,600 | 5,753 |
| Average earning assets | $70,831,600 | 5,642 |
| Average equity | $6,482,000 | 6,207 |
| Average total loans | $39,448,000 | 5,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 6,606 |
| Cost of funding earning assets | 1.8050% | 1,395 |
| Net interest margin | 2.6962% | 7,236 |
| Noninterest income to average assets | 0.4138% | 4,843 |
| Noninterest expense to average assets | 2.3331% | 6,222 |
| Loan and lease loss provision to assets | 0.0535% | 6,538 |
| Net operating income to assets | 0.4459% | 4,557 |
| Return on assets (ROA) | 0.5530% | 4,248 |
| Pretax return on assets | 0.7331% | 4,136 |
| Return on Equity (ROE) | 6.3890% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.3890% | 2,142 |
| Net charge-offs to loans | -0.1235% | 7,576 |
| Credit loss provision to net charge-offs | -81.0811% | 6,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3703% | 2,573 |
| Assets per employee ($millions) | 4.6743% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 7,247 |
| Loan loss allowance to noncurrent loans | 112.0690% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 6,609 |
| Noncurrent loans to loans | 0.6008% | 6,004 |
| Net loans and leases to total assets | 51.2829% | 6,191 |
| Net loans and leases to deposits | 64.7172% | 5,821 |
| Net loans and leases to core deposits | 66.1093% | 6,115 |
| Total domestic deposits to total assets | 79.2416% | 5,957 |
| Equity capital to assets | 8.8917% | 5,711 |
| Core capital (leverage) ratio | 8.3449% | 5,799 |
| Tier 1 risk-based capital ratio | 17.2371% | 2,267 |
| Total risk-based capital ratio | 17.9479% | 2,426 |
| Memoranda: | ||
| Average total assets | $74,747,750 | 5,814 |
| Average earning assets | $71,061,250 | 5,700 |
| Average equity | $6,469,250 | 6,292 |
| Average total loans | $39,934,000 | 6,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 6,758 |
| Cost of funding earning assets | 1.8337% | 1,516 |
| Net interest margin | 2.6436% | 7,308 |
| Noninterest income to average assets | 0.2944% | 5,789 |
| Noninterest expense to average assets | 2.3497% | 6,223 |
| Loan and lease loss provision to assets | 0.0241% | 6,697 |
| Net operating income to assets | 0.3356% | 5,046 |
| Return on assets (ROA) | 0.5004% | 4,480 |
| Pretax return on assets | 0.6503% | 4,396 |
| Return on Equity (ROE) | 5.8355% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,427 |
| Net charge-offs to loans | -0.1833% | 7,635 |
| Credit loss provision to net charge-offs | -24.3243% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6190% | 1,966 |
| Assets per employee ($millions) | 4.7721% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 7,407 |
| Loan loss allowance to noncurrent loans | 121.3198% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,754 |
| Noncurrent loans to loans | 0.4994% | 6,250 |
| Net loans and leases to total assets | 51.3470% | 6,278 |
| Net loans and leases to deposits | 65.1062% | 5,908 |
| Net loans and leases to core deposits | 66.4818% | 6,203 |
| Total domestic deposits to total assets | 78.8666% | 6,072 |
| Equity capital to assets | 8.4817% | 6,182 |
| Core capital (leverage) ratio | 8.1200% | 6,084 |
| Tier 1 risk-based capital ratio | 16.7352% | 2,388 |
| Total risk-based capital ratio | 17.3821% | 2,575 |
| Memoranda: | ||
| Average total assets | $74,734,000 | 5,849 |
| Average earning assets | $71,114,670 | 5,735 |
| Average equity | $6,409,000 | 6,338 |
| Average total loans | $40,374,000 | 6,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 6,258 |
| Cost of funding earning assets | 1.8587% | 1,620 |
| Net interest margin | 2.8364% | 7,127 |
| Noninterest income to average assets | 0.2381% | 6,249 |
| Noninterest expense to average assets | 2.4403% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3734% | 4,961 |
| Return on assets (ROA) | 0.5194% | 4,433 |
| Pretax return on assets | 0.6926% | 4,262 |
| Return on Equity (ROE) | 6.0231% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.0231% | 2,614 |
| Net charge-offs to loans | -0.3526% | 7,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0571% | 2,133 |
| Assets per employee ($millions) | 4.7474% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 7,541 |
| Loan loss allowance to noncurrent loans | 78.1570% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 6,509 |
| Noncurrent loans to loans | 0.7184% | 5,892 |
| Net loans and leases to total assets | 53.3900% | 6,105 |
| Net loans and leases to deposits | 67.8649% | 5,607 |
| Net loans and leases to core deposits | 68.8967% | 6,016 |
| Total domestic deposits to total assets | 78.6711% | 6,162 |
| Equity capital to assets | 8.4797% | 6,029 |
| Core capital (leverage) ratio | 8.2420% | 5,845 |
| Tier 1 risk-based capital ratio | 16.0126% | 2,657 |
| Total risk-based capital ratio | 16.6145% | 2,886 |
| Memoranda: | ||
| Average total assets | $73,924,500 | 5,941 |
| Average earning assets | $70,372,000 | 5,836 |
| Average equity | $6,375,500 | 6,392 |
| Average total loans | $40,839,000 | 6,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 5,519 |
| Cost of funding earning assets | 2.2227% | 1,932 |
| Net interest margin | 3.0054% | 6,633 |
| Noninterest income to average assets | 0.5570% | 3,967 |
| Noninterest expense to average assets | 2.6086% | 5,768 |
| Loan and lease loss provision to assets | 0.0677% | 6,902 |
| Net operating income to assets | 0.5421% | 3,563 |
| Return on assets (ROA) | 0.5554% | 3,591 |
| Pretax return on assets | 0.7481% | 3,411 |
| Return on Equity (ROE) | 6.1486% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.1486% | 1,299 |
| Net charge-offs to loans | 0.0595% | 6,499 |
| Credit loss provision to net charge-offs | 187.5000% | 2,154 |
| Earnings coverage of net charge-offs (x) | 22.0833% | 976 |
| Efficiency ratio | 76.5798% | 3,424 |
| Assets per employee ($millions) | 4.4932% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4719% | 7,692 |
| Loan loss allowance to noncurrent loans | 101.0471% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 6,560 |
| Noncurrent loans to loans | 0.4670% | 6,325 |
| Net loans and leases to total assets | 56.6163% | 5,885 |
| Net loans and leases to deposits | 74.3769% | 4,973 |
| Net loans and leases to core deposits | 88.4403% | 5,280 |
| Total domestic deposits to total assets | 76.1208% | 6,656 |
| Equity capital to assets | 8.7772% | 5,472 |
| Core capital (leverage) ratio | 8.6368% | 5,041 |
| Tier 1 risk-based capital ratio | 16.2339% | 2,421 |
| Total risk-based capital ratio | 16.7565% | 2,666 |
| Memoranda: | ||
| Average total assets | $66,433,000 | 6,130 |
| Average earning assets | $62,987,000 | 6,034 |
| Average equity | $6,001,400 | 6,603 |
| Average total loans | $40,346,600 | 6,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 5,345 |
| Cost of funding earning assets | 2.2615% | 2,143 |
| Net interest margin | 3.0535% | 6,451 |
| Noninterest income to average assets | 0.6045% | 3,663 |
| Noninterest expense to average assets | 2.7048% | 5,303 |
| Loan and lease loss provision to assets | 0.0615% | 6,750 |
| Net operating income to assets | 0.5435% | 3,816 |
| Return on assets (ROA) | 0.5512% | 3,873 |
| Pretax return on assets | 0.7397% | 3,732 |
| Return on Equity (ROE) | 6.0541% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.0541% | 1,923 |
| Net charge-offs to loans | 0.0232% | 6,566 |
| Credit loss provision to net charge-offs | 428.5714% | 924 |
| Earnings coverage of net charge-offs (x) | 55.1608% | 591 |
| Efficiency ratio | 77.3740% | 3,264 |
| Assets per employee ($millions) | 4.1860% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4908% | 7,725 |
| Loan loss allowance to noncurrent loans | 57.5221% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 6,200 |
| Noncurrent loans to loans | 0.8532% | 5,592 |
| Net loans and leases to total assets | 59.0331% | 5,737 |
| Net loans and leases to deposits | 75.9820% | 5,045 |
| Net loans and leases to core deposits | 90.7688% | 5,366 |
| Total domestic deposits to total assets | 77.6935% | 6,172 |
| Equity capital to assets | 9.2899% | 5,053 |
| Core capital (leverage) ratio | 8.8907% | 4,824 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,338 |
| Total risk-based capital ratio | 17.3425% | 2,528 |
| Memoranda: | ||
| Average total assets | $65,068,500 | 6,206 |
| Average earning assets | $61,610,000 | 6,117 |
| Average equity | $5,924,250 | 6,689 |
| Average total loans | $40,209,500 | 6,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 5,068 |
| Cost of funding earning assets | 2.2594% | 2,532 |
| Net interest margin | 3.1546% | 6,076 |
| Noninterest income to average assets | 0.6922% | 3,041 |
| Noninterest expense to average assets | 2.7439% | 5,204 |
| Loan and lease loss provision to assets | 0.0776% | 6,414 |
| Net operating income to assets | 0.6219% | 3,578 |
| Return on assets (ROA) | 0.6332% | 3,650 |
| Pretax return on assets | 0.8722% | 3,436 |
| Return on Equity (ROE) | 7.0043% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.0043% | 1,589 |
| Net charge-offs to loans | 0.0248% | 6,140 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 592 |
| Efficiency ratio | 74.5992% | 3,941 |
| Assets per employee ($millions) | 4.1034% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4898% | 7,804 |
| Loan loss allowance to noncurrent loans | 87.6712% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,629 |
| Noncurrent loans to loans | 0.5587% | 6,149 |
| Net loans and leases to total assets | 59.4106% | 5,778 |
| Net loans and leases to deposits | 75.2198% | 5,288 |
| Net loans and leases to core deposits | 89.2974% | 5,597 |
| Total domestic deposits to total assets | 78.9826% | 5,820 |
| Equity capital to assets | 9.1158% | 5,145 |
| Core capital (leverage) ratio | 8.9839% | 4,661 |
| Tier 1 risk-based capital ratio | 16.8152% | 2,359 |
| Total risk-based capital ratio | 17.3690% | 2,533 |
| Memoranda: | ||
| Average total assets | $64,432,670 | 6,284 |
| Average earning assets | $60,990,000 | 6,184 |
| Average equity | $5,825,000 | 6,785 |
| Average total loans | $40,368,330 | 6,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 4,593 |
| Cost of funding earning assets | 2.2856% | 2,764 |
| Net interest margin | 3.2727% | 5,609 |
| Noninterest income to average assets | 0.7208% | 2,758 |
| Noninterest expense to average assets | 2.8580% | 4,314 |
| Loan and lease loss provision to assets | 0.0627% | 6,167 |
| Net operating income to assets | 0.6491% | 3,804 |
| Return on assets (ROA) | 0.6581% | 3,941 |
| Pretax return on assets | 0.9088% | 3,683 |
| Return on Equity (ROE) | 7.3107% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.3107% | 2,095 |
| Net charge-offs to loans | 0.0488% | 4,797 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 30.6000% | 1,035 |
| Efficiency ratio | 74.8768% | 3,684 |
| Assets per employee ($millions) | 4.0096% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4449% | 7,903 |
| Loan loss allowance to noncurrent loans | 109.9379% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,759 |
| Noncurrent loans to loans | 0.4047% | 6,403 |
| Net loans and leases to total assets | 61.7311% | 5,384 |
| Net loans and leases to deposits | 78.7101% | 4,812 |
| Net loans and leases to core deposits | 93.4650% | 5,209 |
| Total domestic deposits to total assets | 78.4285% | 5,881 |
| Equity capital to assets | 9.1156% | 5,206 |
| Core capital (leverage) ratio | 8.9828% | 4,735 |
| Tier 1 risk-based capital ratio | 16.7671% | 2,416 |
| Total risk-based capital ratio | 17.2849% | 2,618 |
| Memoranda: | ||
| Average total assets | $63,821,500 | 6,331 |
| Average earning assets | $60,377,500 | 6,244 |
| Average equity | $5,745,000 | 6,861 |
| Average total loans | $40,953,500 | 6,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 6,828 |
| Cost of funding earning assets | 2.7993% | 2,709 |
| Net interest margin | 2.8835% | 7,186 |
| Noninterest income to average assets | 0.3510% | 5,920 |
| Noninterest expense to average assets | 2.5258% | 5,909 |
| Loan and lease loss provision to assets | 0.0452% | 6,847 |
| Net operating income to assets | 0.3993% | 5,150 |
| Return on assets (ROA) | 0.4400% | 4,813 |
| Pretax return on assets | 0.5554% | 4,839 |
| Return on Equity (ROE) | 5.2099% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.2099% | 1,906 |
| Net charge-offs to loans | 0.0048% | 6,915 |
| Credit loss provision to net charge-offs | 1,450.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 261 |
| Efficiency ratio | 82.1410% | 2,287 |
| Assets per employee ($millions) | 3.9681% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 7,968 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 7,567 |
| Noncurrent loans to loans | 0.0190% | 7,447 |
| Net loans and leases to total assets | 66.0823% | 4,832 |
| Net loans and leases to deposits | 89.9473% | 3,466 |
| Net loans and leases to core deposits | 107.0827% | 4,071 |
| Total domestic deposits to total assets | 73.4678% | 6,744 |
| Equity capital to assets | 8.8866% | 5,516 |
| Core capital (leverage) ratio | 8.8615% | 4,954 |
| Tier 1 risk-based capital ratio | 16.2009% | 2,585 |
| Total risk-based capital ratio | 16.6959% | 2,802 |
| Memoranda: | ||
| Average total assets | $64,097,800 | 6,228 |
| Average earning assets | $60,550,800 | 6,151 |
| Average equity | $5,412,800 | 7,014 |
| Average total loans | $41,828,800 | 6,083 |