Home > West One Bank > Performance and Condition Ratios
West One Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 199 |
| Cost of funding earning assets | 0.9337% | 322 |
| Net interest margin | 4.8524% | 395 |
| Noninterest income to average assets | 0.6357% | 2,640 |
| Noninterest expense to average assets | 3.3209% | 1,872 |
| Loan and lease loss provision to assets | -1.0171% | 6,493 |
| Net operating income to assets | 1.4494% | 979 |
| Return on assets (ROA) | 1.4494% | 1,012 |
| Pretax return on assets | 2.4284% | 218 |
| Return on Equity (ROE) | 9.4146% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.4146% | 621 |
| Net charge-offs to loans | -0.5568% | 6,405 |
| Credit loss provision to net charge-offs | 240.9639% | 1,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1773% | 3,501 |
| Assets per employee ($millions) | 3.3381% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3199% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 2,425 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.2036% | 974 |
| Net loans and leases to deposits | 109.1194% | 262 |
| Net loans and leases to core deposits | 114.5542% | 577 |
| Total domestic deposits to total assets | 71.6679% | 6,106 |
| Equity capital to assets | 15.6402% | 586 |
| Core capital (leverage) ratio | 15.4329% | 545 |
| Tier 1 risk-based capital ratio | 21.3947% | 1,326 |
| Total risk-based capital ratio | 22.6616% | 1,301 |
| Memoranda: | ||
| Average total assets | $39,326,400 | 6,053 |
| Average earning assets | $33,200,400 | 6,114 |
| Average equity | $6,054,400 | 5,608 |
| Average total loans | $29,814,600 | 5,571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 251 |
| Cost of funding earning assets | 0.9324% | 339 |
| Net interest margin | 4.7100% | 497 |
| Noninterest income to average assets | 0.4224% | 4,081 |
| Noninterest expense to average assets | 3.0519% | 2,628 |
| Loan and lease loss provision to assets | -1.3625% | 6,581 |
| Net operating income to assets | 1.6758% | 644 |
| Return on assets (ROA) | 1.6758% | 669 |
| Pretax return on assets | 2.7419% | 148 |
| Return on Equity (ROE) | 10.9298% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.9298% | 526 |
| Net charge-offs to loans | -0.6792% | 6,487 |
| Credit loss provision to net charge-offs | 268.4564% | 992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8701% | 3,695 |
| Assets per employee ($millions) | 3.0674% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,560 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.9693% | 1,526 |
| Net loans and leases to deposits | 103.2954% | 438 |
| Net loans and leases to core deposits | 108.4571% | 826 |
| Total domestic deposits to total assets | 71.6095% | 6,196 |
| Equity capital to assets | 15.5156% | 635 |
| Core capital (leverage) ratio | 15.5562% | 534 |
| Tier 1 risk-based capital ratio | 22.8818% | 1,132 |
| Total risk-based capital ratio | 24.1503% | 1,108 |
| Memoranda: | ||
| Average total assets | $39,143,750 | 6,135 |
| Average earning assets | $33,318,250 | 6,183 |
| Average equity | $6,001,750 | 5,680 |
| Average total loans | $29,250,750 | 5,651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6266% | 252 |
| Cost of funding earning assets | 0.9228% | 381 |
| Net interest margin | 4.7038% | 481 |
| Noninterest income to average assets | 0.4113% | 4,160 |
| Noninterest expense to average assets | 3.1003% | 2,499 |
| Loan and lease loss provision to assets | -2.0566% | 6,653 |
| Net operating income to assets | 2.1234% | 266 |
| Return on assets (ROA) | 2.1234% | 280 |
| Pretax return on assets | 3.4036% | 90 |
| Return on Equity (ROE) | 13.9057% | 974 |
| Retained earnings to average equity (ytd only) | 13.9057% | 267 |
| Net charge-offs to loans | -0.5116% | 6,514 |
| Credit loss provision to net charge-offs | 540.5405% | 555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7110% | 3,708 |
| Assets per employee ($millions) | 3.2783% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 1,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2380% | 2,624 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 74.9816% | 1,309 |
| Net loans and leases to deposits | 104.6958% | 343 |
| Net loans and leases to core deposits | 109.9855% | 697 |
| Total domestic deposits to total assets | 71.6185% | 6,278 |
| Equity capital to assets | 15.5291% | 610 |
| Core capital (leverage) ratio | 15.7798% | 507 |
| Tier 1 risk-based capital ratio | 22.5783% | 1,175 |
| Total risk-based capital ratio | 23.8423% | 1,158 |
| Memoranda: | ||
| Average total assets | $38,899,670 | 6,197 |
| Average earning assets | $33,377,330 | 6,240 |
| Average equity | $5,940,000 | 5,727 |
| Average total loans | $28,926,670 | 5,702 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 237 |
| Cost of funding earning assets | 0.9400% | 360 |
| Net interest margin | 4.7242% | 443 |
| Noninterest income to average assets | 0.3930% | 4,248 |
| Noninterest expense to average assets | 3.0403% | 2,730 |
| Loan and lease loss provision to assets | -4.1365% | 6,728 |
| Net operating income to assets | 3.3195% | 83 |
| Return on assets (ROA) | 3.3195% | 86 |
| Pretax return on assets | 5.5429% | 55 |
| Return on Equity (ROE) | 21.9281% | 199 |
| Retained earnings to average equity (ytd only) | 21.9281% | 87 |
| Net charge-offs to loans | -1.0171% | 6,631 |
| Credit loss provision to net charge-offs | 555.5556% | 499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3721% | 4,119 |
| Assets per employee ($millions) | 3.2919% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 1,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 2,781 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 70.6807% | 1,778 |
| Net loans and leases to deposits | 94.3181% | 760 |
| Net loans and leases to core deposits | 99.7214% | 1,123 |
| Total domestic deposits to total assets | 74.9386% | 6,160 |
| Equity capital to assets | 15.2292% | 634 |
| Core capital (leverage) ratio | 15.7215% | 511 |
| Tier 1 risk-based capital ratio | 22.7439% | 1,174 |
| Total risk-based capital ratio | 24.0104% | 1,155 |
| Memoranda: | ||
| Average total assets | $38,680,000 | 6,266 |
| Average earning assets | $33,191,000 | 6,307 |
| Average equity | $5,855,500 | 5,783 |
| Average total loans | $28,315,500 | 5,780 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 324 |
| Cost of funding earning assets | 1.0736% | 324 |
| Net interest margin | 4.4982% | 739 |
| Noninterest income to average assets | 0.4994% | 3,762 |
| Noninterest expense to average assets | 3.0999% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7478% | 3,563 |
| Return on assets (ROA) | 0.7478% | 3,657 |
| Pretax return on assets | 1.1722% | 2,684 |
| Return on Equity (ROE) | 5.2072% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.2072% | 2,472 |
| Net charge-offs to loans | -0.9031% | 6,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7747% | 3,516 |
| Assets per employee ($millions) | 3.4415% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4854% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 2,813 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.5376% | 1,764 |
| Net loans and leases to deposits | 95.4095% | 776 |
| Net loans and leases to core deposits | 99.6248% | 1,187 |
| Total domestic deposits to total assets | 74.9795% | 6,199 |
| Equity capital to assets | 15.0435% | 663 |
| Core capital (leverage) ratio | 14.9833% | 603 |
| Tier 1 risk-based capital ratio | 22.4912% | 1,176 |
| Total risk-based capital ratio | 23.7747% | 1,150 |
| Memoranda: | ||
| Average total assets | $38,645,800 | 6,326 |
| Average earning assets | $32,413,200 | 6,391 |
| Average equity | $5,550,000 | 5,919 |
| Average total loans | $26,797,600 | 5,897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 350 |
| Cost of funding earning assets | 1.0981% | 314 |
| Net interest margin | 4.4335% | 834 |
| Noninterest income to average assets | 0.5217% | 3,659 |
| Noninterest expense to average assets | 3.0653% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7620% | 3,544 |
| Return on assets (ROA) | 0.7620% | 3,676 |
| Pretax return on assets | 1.1568% | 2,863 |
| Return on Equity (ROE) | 5.3682% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.3682% | 2,820 |
| Net charge-offs to loans | -1.2839% | 6,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6016% | 3,299 |
| Assets per employee ($millions) | 3.4049% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5424% | 324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 2,982 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.1205% | 1,581 |
| Net loans and leases to deposits | 96.3166% | 668 |
| Net loans and leases to core deposits | 100.6146% | 1,070 |
| Total domestic deposits to total assets | 74.8785% | 6,291 |
| Equity capital to assets | 15.0264% | 713 |
| Core capital (leverage) ratio | 14.9244% | 654 |
| Tier 1 risk-based capital ratio | 21.7911% | 1,354 |
| Total risk-based capital ratio | 23.0728% | 1,330 |
| Memoranda: | ||
| Average total assets | $38,843,000 | 6,391 |
| Average earning assets | $32,419,000 | 6,459 |
| Average equity | $5,513,750 | 5,996 |
| Average total loans | $26,482,000 | 5,972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 453 |
| Cost of funding earning assets | 1.1146% | 313 |
| Net interest margin | 4.2810% | 1,068 |
| Noninterest income to average assets | 0.5037% | 3,808 |
| Noninterest expense to average assets | 2.9665% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7327% | 3,653 |
| Return on assets (ROA) | 0.7327% | 3,815 |
| Pretax return on assets | 1.0940% | 3,113 |
| Return on Equity (ROE) | 5.2596% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.2596% | 2,885 |
| Net charge-offs to loans | -0.9163% | 6,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0576% | 3,295 |
| Assets per employee ($millions) | 3.1918% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2944% | 435 |
| Loan loss allowance to noncurrent loans | 286.9128% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 2.0626% | 2,098 |
| Noncurrent loans to loans | 1.1482% | 3,632 |
| Net loans and leases to total assets | 65.5283% | 2,677 |
| Net loans and leases to deposits | 86.6434% | 1,492 |
| Net loans and leases to core deposits | 90.3683% | 1,880 |
| Total domestic deposits to total assets | 75.6299% | 6,287 |
| Equity capital to assets | 14.4879% | 826 |
| Core capital (leverage) ratio | 14.5307% | 693 |
| Tier 1 risk-based capital ratio | 23.2809% | 1,091 |
| Total risk-based capital ratio | 24.5941% | 1,066 |
| Memoranda: | ||
| Average total assets | $39,306,000 | 6,424 |
| Average earning assets | $32,656,000 | 6,500 |
| Average equity | $5,475,670 | 6,054 |
| Average total loans | $25,974,670 | 6,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 703 |
| Cost of funding earning assets | 1.0944% | 383 |
| Net interest margin | 4.0362% | 1,661 |
| Noninterest income to average assets | 0.4622% | 4,039 |
| Noninterest expense to average assets | 2.8939% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6632% | 3,885 |
| Return on assets (ROA) | 0.6632% | 4,041 |
| Pretax return on assets | 1.0149% | 3,281 |
| Return on Equity (ROE) | 4.8538% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.8538% | 3,328 |
| Net charge-offs to loans | -0.1847% | 6,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0360% | 3,257 |
| Assets per employee ($millions) | 3.3444% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9165% | 720 |
| Loan loss allowance to noncurrent loans | 186.5337% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 2.2625% | 2,064 |
| Noncurrent loans to loans | 1.5635% | 3,196 |
| Net loans and leases to total assets | 62.0412% | 3,055 |
| Net loans and leases to deposits | 80.7491% | 1,980 |
| Net loans and leases to core deposits | 84.7078% | 2,242 |
| Total domestic deposits to total assets | 76.8320% | 6,265 |
| Equity capital to assets | 13.6347% | 1,168 |
| Core capital (leverage) ratio | 13.8672% | 832 |
| Tier 1 risk-based capital ratio | 23.3986% | 1,094 |
| Total risk-based capital ratio | 24.6729% | 1,074 |
| Memoranda: | ||
| Average total assets | $39,808,500 | 6,464 |
| Average earning assets | $33,992,000 | 6,525 |
| Average equity | $5,439,000 | 6,127 |
| Average total loans | $25,985,500 | 6,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 734 |
| Cost of funding earning assets | 1.4136% | 240 |
| Net interest margin | 4.0061% | 2,370 |
| Noninterest income to average assets | 0.4571% | 4,201 |
| Noninterest expense to average assets | 2.8021% | 4,012 |
| Loan and lease loss provision to assets | 0.1196% | 4,124 |
| Net operating income to assets | 0.6126% | 4,178 |
| Return on assets (ROA) | 0.6126% | 4,440 |
| Pretax return on assets | 0.9667% | 3,672 |
| Return on Equity (ROE) | 4.8298% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.8298% | 2,824 |
| Net charge-offs to loans | 0.5151% | 2,183 |
| Credit loss provision to net charge-offs | 34.4828% | 5,031 |
| Earnings coverage of net charge-offs (x) | 3.1310% | 3,867 |
| Efficiency ratio | 72.0615% | 3,403 |
| Assets per employee ($millions) | 3.5895% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7959% | 822 |
| Loan loss allowance to noncurrent loans | 163.5556% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 2.4618% | 1,988 |
| Noncurrent loans to loans | 1.7095% | 3,051 |
| Net loans and leases to total assets | 64.8060% | 2,754 |
| Net loans and leases to deposits | 84.4461% | 1,706 |
| Net loans and leases to core deposits | 87.8920% | 2,099 |
| Total domestic deposits to total assets | 76.7425% | 6,256 |
| Equity capital to assets | 13.6916% | 1,159 |
| Core capital (leverage) ratio | 13.4171% | 977 |
| Tier 1 risk-based capital ratio | 22.3786% | 1,200 |
| Total risk-based capital ratio | 23.6495% | 1,169 |
| Memoranda: | ||
| Average total assets | $41,789,600 | 6,439 |
| Average earning assets | $35,795,400 | 6,507 |
| Average equity | $5,300,400 | 6,209 |
| Average total loans | $28,147,200 | 6,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 831 |
| Cost of funding earning assets | 1.4465% | 251 |
| Net interest margin | 3.9587% | 2,675 |
| Noninterest income to average assets | 0.4658% | 4,173 |
| Noninterest expense to average assets | 2.6908% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7301% | 3,774 |
| Return on assets (ROA) | 0.7301% | 4,021 |
| Pretax return on assets | 1.1770% | 3,077 |
| Return on Equity (ROE) | 5.8652% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.8652% | 2,784 |
| Net charge-offs to loans | 0.4895% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.5618% | 3,591 |
| Efficiency ratio | 69.5688% | 3,777 |
| Assets per employee ($millions) | 3.8691% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6760% | 1,005 |
| Loan loss allowance to noncurrent loans | 108.6826% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 2.9018% | 1,808 |
| Noncurrent loans to loans | 2.4622% | 2,339 |
| Net loans and leases to total assets | 62.0395% | 3,369 |
| Net loans and leases to deposits | 84.2636% | 1,837 |
| Net loans and leases to core deposits | 87.5726% | 2,262 |
| Total domestic deposits to total assets | 73.6255% | 6,630 |
| Equity capital to assets | 12.6457% | 1,800 |
| Core capital (leverage) ratio | 12.4236% | 1,440 |
| Tier 1 risk-based capital ratio | 19.7144% | 1,824 |
| Total risk-based capital ratio | 20.5123% | 1,904 |
| Memoranda: | ||
| Average total assets | $42,366,000 | 6,490 |
| Average earning assets | $36,408,250 | 6,565 |
| Average equity | $5,274,000 | 6,285 |
| Average total loans | $28,603,000 | 6,086 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 595 |
| Cost of funding earning assets | 1.4961% | 242 |
| Net interest margin | 4.0868% | 2,145 |
| Noninterest income to average assets | 0.4728% | 4,111 |
| Noninterest expense to average assets | 2.6666% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8085% | 3,359 |
| Return on assets (ROA) | 0.8085% | 3,620 |
| Pretax return on assets | 1.3191% | 2,485 |
| Return on Equity (ROE) | 6.5292% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.5292% | 2,371 |
| Net charge-offs to loans | -0.0687% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9039% | 4,339 |
| Assets per employee ($millions) | 3.1833% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9732% | 800 |
| Loan loss allowance to noncurrent loans | 90.7228% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 2,340 |
| Noncurrent loans to loans | 3.2772% | 1,779 |
| Net loans and leases to total assets | 66.3195% | 2,607 |
| Net loans and leases to deposits | 90.7423% | 1,076 |
| Net loans and leases to core deposits | 92.4790% | 1,733 |
| Total domestic deposits to total assets | 73.0856% | 6,739 |
| Equity capital to assets | 12.8579% | 1,594 |
| Core capital (leverage) ratio | 12.3158% | 1,440 |
| Tier 1 risk-based capital ratio | 18.2692% | 2,205 |
| Total risk-based capital ratio | 19.5411% | 2,165 |
| Memoranda: | ||
| Average total assets | $42,301,330 | 6,532 |
| Average earning assets | $36,360,670 | 6,614 |
| Average equity | $5,238,000 | 6,323 |
| Average total loans | $29,094,000 | 6,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 605 |
| Cost of funding earning assets | 1.5923% | 194 |
| Net interest margin | 4.0244% | 2,404 |
| Noninterest income to average assets | 0.4397% | 4,377 |
| Noninterest expense to average assets | 2.5725% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8700% | 3,053 |
| Return on assets (ROA) | 0.8700% | 3,280 |
| Pretax return on assets | 1.3190% | 2,477 |
| Return on Equity (ROE) | 7.1587% | 3,682 |
| Retained earnings to average equity (ytd only) | 7.1587% | 2,345 |
| Net charge-offs to loans | -0.0271% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1058% | 4,538 |
| Assets per employee ($millions) | 3.2493% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8728% | 936 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3461% | 2,540 |
| Noncurrent loans to loans | 3.2108% | 2,001 |
| Net loans and leases to total assets | 66.6722% | 2,355 |
| Net loans and leases to deposits | 90.3790% | 935 |
| Net loans and leases to core deposits | 90.3790% | 1,813 |
| Total domestic deposits to total assets | 73.7696% | 6,766 |
| Equity capital to assets | 12.4121% | 1,782 |
| Core capital (leverage) ratio | 11.4388% | 1,935 |
| Tier 1 risk-based capital ratio | 16.7207% | 2,798 |
| Total risk-based capital ratio | 17.9923% | 2,744 |
| Memoranda: | ||
| Average total assets | $42,760,500 | 6,575 |
| Average earning assets | $36,676,500 | 6,655 |
| Average equity | $5,196,500 | 6,370 |
| Average total loans | $29,498,000 | 6,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0586% | 391 |
| Cost of funding earning assets | 1.7933% | 215 |
| Net interest margin | 4.2652% | 1,823 |
| Noninterest income to average assets | 0.4332% | 4,350 |
| Noninterest expense to average assets | 2.8577% | 4,137 |
| Loan and lease loss provision to assets | 4.7297% | 27 |
| Net operating income to assets | -2.1328% | 7,048 |
| Return on assets (ROA) | -2.1328% | 7,064 |
| Pretax return on assets | -3.4589% | 7,228 |
| Return on Equity (ROE) | -16.2027% | 6,913 |
| Retained earnings to average equity (ytd only) | -16.2027% | 6,892 |
| Net charge-offs to loans | 7.2436% | 23 |
| Credit loss provision to net charge-offs | 87.5972% | 4,119 |
| Earnings coverage of net charge-offs (x) | 0.2354% | 5,650 |
| Efficiency ratio | 69.2184% | 4,107 |
| Assets per employee ($millions) | 3.3292% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7700% | 1,008 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 3,397 |
| Noncurrent loans to loans | 0.9233% | 4,846 |
| Net loans and leases to total assets | 67.3960% | 2,503 |
| Net loans and leases to deposits | 90.3737% | 1,118 |
| Net loans and leases to core deposits | 93.6224% | 1,736 |
| Total domestic deposits to total assets | 74.5749% | 6,665 |
| Equity capital to assets | 11.8993% | 2,198 |
| Core capital (leverage) ratio | 10.7273% | 2,498 |
| Tier 1 risk-based capital ratio | 15.4417% | 3,368 |
| Total risk-based capital ratio | 16.7097% | 3,311 |
| Memoranda: | ||
| Average total assets | $45,246,000 | 6,501 |
| Average earning assets | $39,200,600 | 6,561 |
| Average equity | $5,955,800 | 6,170 |
| Average total loans | $33,726,200 | 5,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 371 |
| Cost of funding earning assets | 1.8362% | 228 |
| Net interest margin | 4.2990% | 1,720 |
| Noninterest income to average assets | 0.4927% | 3,928 |
| Noninterest expense to average assets | 2.8073% | 4,315 |
| Loan and lease loss provision to assets | 0.9620% | 912 |
| Net operating income to assets | 0.2886% | 5,431 |
| Return on assets (ROA) | 0.2886% | 5,606 |
| Pretax return on assets | 0.4635% | 5,277 |
| Return on Equity (ROE) | 2.1438% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.1438% | 5,060 |
| Net charge-offs to loans | 1.4619% | 1,005 |
| Credit loss provision to net charge-offs | 86.8421% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.2868% | 4,651 |
| Efficiency ratio | 66.3223% | 4,659 |
| Assets per employee ($millions) | 3.3535% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3375% | 641 |
| Loan loss allowance to noncurrent loans | 115.0743% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 3.5027% | 1,798 |
| Noncurrent loans to loans | 2.9003% | 2,405 |
| Net loans and leases to total assets | 72.0151% | 1,699 |
| Net loans and leases to deposits | 99.7775% | 482 |
| Net loans and leases to core deposits | 103.4432% | 1,011 |
| Total domestic deposits to total assets | 72.1757% | 6,921 |
| Equity capital to assets | 14.2539% | 1,065 |
| Core capital (leverage) ratio | 14.1837% | 850 |
| Tier 1 risk-based capital ratio | 21.5839% | 1,357 |
| Total risk-based capital ratio | 22.5252% | 1,387 |
| Memoranda: | ||
| Average total assets | $45,737,500 | 6,546 |
| Average earning assets | $39,791,250 | 6,597 |
| Average equity | $6,157,250 | 6,162 |
| Average total loans | $34,657,750 | 5,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0963% | 387 |
| Cost of funding earning assets | 1.8442% | 266 |
| Net interest margin | 4.2521% | 1,836 |
| Noninterest income to average assets | 0.5124% | 3,768 |
| Noninterest expense to average assets | 2.7771% | 4,518 |
| Loan and lease loss provision to assets | 1.0979% | 747 |
| Net operating income to assets | 0.2411% | 5,592 |
| Return on assets (ROA) | 0.2411% | 5,713 |
| Pretax return on assets | 0.3401% | 5,573 |
| Return on Equity (ROE) | 1.8246% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.8246% | 5,079 |
| Net charge-offs to loans | 2.2496% | 571 |
| Credit loss provision to net charge-offs | 64.0704% | 4,233 |
| Earnings coverage of net charge-offs (x) | 0.8392% | 4,671 |
| Efficiency ratio | 65.8836% | 4,896 |
| Assets per employee ($millions) | 3.4332% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9083% | 974 |
| Loan loss allowance to noncurrent loans | 98.3135% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 2.9643% | 2,259 |
| Noncurrent loans to loans | 2.9582% | 2,454 |
| Net loans and leases to total assets | 74.1278% | 1,392 |
| Net loans and leases to deposits | 103.1361% | 343 |
| Net loans and leases to core deposits | 108.2379% | 802 |
| Total domestic deposits to total assets | 71.8738% | 7,013 |
| Equity capital to assets | 13.8290% | 1,158 |
| Core capital (leverage) ratio | 13.6353% | 958 |
| Tier 1 risk-based capital ratio | 18.1497% | 2,123 |
| Total risk-based capital ratio | 19.1319% | 2,166 |
| Memoranda: | ||
| Average total assets | $46,451,670 | 6,584 |
| Average earning assets | $40,451,000 | 6,624 |
| Average equity | $6,138,330 | 6,196 |
| Average total loans | $35,384,000 | 6,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0124% | 457 |
| Cost of funding earning assets | 1.8522% | 312 |
| Net interest margin | 4.1602% | 2,035 |
| Noninterest income to average assets | 0.4307% | 4,447 |
| Noninterest expense to average assets | 2.6941% | 4,857 |
| Loan and lease loss provision to assets | 1.5202% | 416 |
| Net operating income to assets | 0.0507% | 6,233 |
| Return on assets (ROA) | 0.0507% | 6,272 |
| Pretax return on assets | -0.1605% | 6,508 |
| Return on Equity (ROE) | 0.3921% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.3921% | 5,658 |
| Net charge-offs to loans | 3.9291% | 232 |
| Credit loss provision to net charge-offs | 50.8475% | 3,730 |
| Earnings coverage of net charge-offs (x) | 0.4548% | 4,277 |
| Efficiency ratio | 66.4583% | 4,954 |
| Assets per employee ($millions) | 3.0819% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7454% | 1,160 |
| Loan loss allowance to noncurrent loans | 98.7654% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 3.1453% | 2,191 |
| Noncurrent loans to loans | 2.7797% | 2,723 |
| Net loans and leases to total assets | 73.5658% | 1,410 |
| Net loans and leases to deposits | 101.1210% | 418 |
| Net loans and leases to core deposits | 109.3329% | 765 |
| Total domestic deposits to total assets | 72.7503% | 7,018 |
| Equity capital to assets | 13.2409% | 1,283 |
| Core capital (leverage) ratio | 13.1878% | 1,063 |
| Tier 1 risk-based capital ratio | 17.5754% | 2,260 |
| Total risk-based capital ratio | 18.8446% | 2,223 |
| Memoranda: | ||
| Average total assets | $47,362,000 | 6,600 |
| Average earning assets | $41,248,000 | 6,638 |
| Average equity | $6,121,500 | 6,203 |
| Average total loans | $36,038,500 | 6,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2725% | 486 |
| Cost of funding earning assets | 2.2596% | 244 |
| Net interest margin | 4.0129% | 2,963 |
| Noninterest income to average assets | 0.3315% | 5,423 |
| Noninterest expense to average assets | 2.8456% | 4,420 |
| Loan and lease loss provision to assets | 2.1934% | 564 |
| Net operating income to assets | -0.6953% | 6,512 |
| Return on assets (ROA) | -0.6953% | 6,551 |
| Pretax return on assets | -1.1433% | 6,714 |
| Return on Equity (ROE) | -6.2492% | 6,513 |
| Retained earnings to average equity (ytd only) | -6.2492% | 6,405 |
| Net charge-offs to loans | 2.4457% | 770 |
| Credit loss provision to net charge-offs | 117.0172% | 3,659 |
| Earnings coverage of net charge-offs (x) | 0.5602% | 5,552 |
| Efficiency ratio | 73.0451% | 3,591 |
| Assets per employee ($millions) | 3.4640% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0559% | 829 |
| Loan loss allowance to noncurrent loans | 70.8307% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 4.1096% | 1,646 |
| Noncurrent loans to loans | 4.3143% | 1,674 |
| Net loans and leases to total assets | 74.1814% | 1,622 |
| Net loans and leases to deposits | 100.3907% | 554 |
| Net loans and leases to core deposits | 113.4178% | 751 |
| Total domestic deposits to total assets | 73.8927% | 6,908 |
| Equity capital to assets | 12.6237% | 1,564 |
| Core capital (leverage) ratio | 12.3490% | 1,374 |
| Tier 1 risk-based capital ratio | 16.4760% | 2,528 |
| Total risk-based capital ratio | 16.8582% | 2,906 |
| Memoranda: | ||
| Average total assets | $55,805,000 | 6,348 |
| Average earning assets | $49,565,600 | 6,383 |
| Average equity | $6,208,800 | 6,305 |
| Average total loans | $42,768,600 | 5,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2762% | 533 |
| Cost of funding earning assets | 2.2981% | 278 |
| Net interest margin | 3.9781% | 3,196 |
| Noninterest income to average assets | 0.3493% | 5,378 |
| Noninterest expense to average assets | 2.8085% | 4,451 |
| Loan and lease loss provision to assets | 1.9665% | 606 |
| Net operating income to assets | -0.5760% | 6,649 |
| Return on assets (ROA) | -0.5760% | 6,697 |
| Pretax return on assets | -0.8814% | 6,791 |
| Return on Equity (ROE) | -5.3285% | 6,671 |
| Retained earnings to average equity (ytd only) | -5.3285% | 6,581 |
| Net charge-offs to loans | 1.8257% | 1,051 |
| Credit loss provision to net charge-offs | 140.4959% | 2,822 |
| Earnings coverage of net charge-offs (x) | 0.7752% | 5,286 |
| Efficiency ratio | 72.1331% | 3,670 |
| Assets per employee ($millions) | 3.6619% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0390% | 796 |
| Loan loss allowance to noncurrent loans | 162.7371% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.9292% | 3,574 |
| Noncurrent loans to loans | 1.8674% | 3,841 |
| Net loans and leases to total assets | 74.7454% | 1,630 |
| Net loans and leases to deposits | 102.4956% | 509 |
| Net loans and leases to core deposits | 115.4917% | 767 |
| Total domestic deposits to total assets | 72.9255% | 7,037 |
| Equity capital to assets | 12.2128% | 2,028 |
| Core capital (leverage) ratio | 11.3180% | 2,055 |
| Tier 1 risk-based capital ratio | 15.2793% | 3,112 |
| Total risk-based capital ratio | 16.5483% | 3,062 |
| Memoranda: | ||
| Average total assets | $57,632,250 | 6,364 |
| Average earning assets | $51,346,250 | 6,391 |
| Average equity | $6,230,500 | 6,386 |
| Average total loans | $44,183,500 | 5,821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1740% | 657 |
| Cost of funding earning assets | 2.2618% | 387 |
| Net interest margin | 3.9122% | 3,392 |
| Noninterest income to average assets | 0.4284% | 4,689 |
| Noninterest expense to average assets | 2.8416% | 4,305 |
| Loan and lease loss provision to assets | 1.6735% | 759 |
| Net operating income to assets | -0.3280% | 6,505 |
| Return on assets (ROA) | -0.3280% | 6,545 |
| Pretax return on assets | -0.5958% | 6,657 |
| Return on Equity (ROE) | -3.1510% | 6,531 |
| Retained earnings to average equity (ytd only) | -3.1510% | 6,320 |
| Net charge-offs to loans | 1.9021% | 976 |
| Credit loss provision to net charge-offs | 114.9425% | 3,539 |
| Earnings coverage of net charge-offs (x) | 0.7402% | 5,012 |
| Efficiency ratio | 72.5021% | 3,738 |
| Assets per employee ($millions) | 3.5641% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3676% | 1,478 |
| Loan loss allowance to noncurrent loans | 196.3462% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 2.1720% | 3,292 |
| Noncurrent loans to loans | 1.2059% | 4,952 |
| Net loans and leases to total assets | 69.4879% | 3,020 |
| Net loans and leases to deposits | 92.0403% | 1,522 |
| Net loans and leases to core deposits | 103.2114% | 1,714 |
| Total domestic deposits to total assets | 75.4972% | 6,779 |
| Equity capital to assets | 10.5811% | 3,304 |
| Core capital (leverage) ratio | 10.5389% | 2,595 |
| Tier 1 risk-based capital ratio | 11.9818% | 5,332 |
| Total risk-based capital ratio | 13.2247% | 5,301 |
| Memoranda: | ||
| Average total assets | $59,754,330 | 6,316 |
| Average earning assets | $53,320,330 | 6,353 |
| Average equity | $6,220,330 | 6,399 |
| Average total loans | $45,738,000 | 5,778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2365% | 595 |
| Cost of funding earning assets | 2.2418% | 517 |
| Net interest margin | 3.9947% | 2,889 |
| Noninterest income to average assets | 0.4112% | 4,810 |
| Noninterest expense to average assets | 2.9931% | 3,704 |
| Loan and lease loss provision to assets | 2.1572% | 501 |
| Net operating income to assets | -1.2201% | 7,224 |
| Return on assets (ROA) | -1.2201% | 7,245 |
| Pretax return on assets | -1.1595% | 7,128 |
| Return on Equity (ROE) | -11.8204% | 7,206 |
| Retained earnings to average equity (ytd only) | -11.8204% | 7,058 |
| Net charge-offs to loans | -0.0170% | 7,028 |
| Credit loss provision to net charge-offs | -16,000.0000% | 6,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,403 |
| Assets per employee ($millions) | 3.3552% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7724% | 1,017 |
| Loan loss allowance to noncurrent loans | 367.2414% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 5,161 |
| Noncurrent loans to loans | 0.7549% | 5,817 |
| Net loans and leases to total assets | 74.2122% | 1,926 |
| Net loans and leases to deposits | 98.8051% | 840 |
| Net loans and leases to core deposits | 114.3984% | 1,022 |
| Total domestic deposits to total assets | 75.1097% | 6,891 |
| Equity capital to assets | 10.4797% | 3,266 |
| Core capital (leverage) ratio | 10.8251% | 2,352 |
| Tier 1 risk-based capital ratio | 11.2706% | 5,877 |
| Total risk-based capital ratio | 12.5332% | 5,837 |
| Memoranda: | ||
| Average total assets | $59,337,000 | 6,413 |
| Average earning assets | $53,171,000 | 6,430 |
| Average equity | $6,125,000 | 6,475 |
| Average total loans | $47,045,500 | 5,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9299% | 307 |
| Cost of funding earning assets | 2.7803% | 469 |
| Net interest margin | 4.1496% | 2,248 |
| Noninterest income to average assets | 0.4796% | 4,571 |
| Noninterest expense to average assets | 2.8144% | 4,910 |
| Loan and lease loss provision to assets | 0.4898% | 3,924 |
| Net operating income to assets | 0.5561% | 3,499 |
| Return on assets (ROA) | 0.5561% | 3,587 |
| Pretax return on assets | 0.8962% | 2,938 |
| Return on Equity (ROE) | 5.6207% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.6207% | 1,515 |
| Net charge-offs to loans | 0.2242% | 5,223 |
| Credit loss provision to net charge-offs | 269.1589% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.6168% | 2,115 |
| Efficiency ratio | 67.0040% | 5,185 |
| Assets per employee ($millions) | 3.2378% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 2,049 |
| Loan loss allowance to noncurrent loans | 9,560.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 6,172 |
| Noncurrent loans to loans | 0.0208% | 7,388 |
| Net loans and leases to total assets | 80.7090% | 878 |
| Net loans and leases to deposits | 108.6403% | 435 |
| Net loans and leases to core deposits | 166.0243% | 274 |
| Total domestic deposits to total assets | 74.2901% | 6,978 |
| Equity capital to assets | 10.1594% | 3,548 |
| Core capital (leverage) ratio | 9.7642% | 3,377 |
| Tier 1 risk-based capital ratio | 12.3098% | 4,675 |
| Total risk-based capital ratio | 13.5780% | 4,614 |
| Memoranda: | ||
| Average total assets | $58,804,400 | 6,395 |
| Average earning assets | $52,728,000 | 6,427 |
| Average equity | $5,817,800 | 6,661 |
| Average total loans | $47,735,600 | 5,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9387% | 333 |
| Cost of funding earning assets | 2.8602% | 517 |
| Net interest margin | 4.0785% | 2,485 |
| Noninterest income to average assets | 0.4864% | 4,610 |
| Noninterest expense to average assets | 2.8053% | 4,875 |
| Loan and lease loss provision to assets | 0.3801% | 4,049 |
| Net operating income to assets | 0.8416% | 2,650 |
| Return on assets (ROA) | 0.8416% | 2,712 |
| Pretax return on assets | 0.9592% | 3,028 |
| Return on Equity (ROE) | 8.5634% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.5634% | 956 |
| Net charge-offs to loans | 0.2321% | 4,604 |
| Credit loss provision to net charge-offs | 202.4096% | 2,203 |
| Earnings coverage of net charge-offs (x) | 7.1327% | 2,466 |
| Efficiency ratio | 67.6856% | 5,046 |
| Assets per employee ($millions) | 3.5654% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 2,356 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 6,205 |
| Noncurrent loans to loans | 0.0207% | 7,472 |
| Net loans and leases to total assets | 78.4247% | 1,497 |
| Net loans and leases to deposits | 104.7097% | 722 |
| Net loans and leases to core deposits | 164.7569% | 322 |
| Total domestic deposits to total assets | 74.8973% | 6,786 |
| Equity capital to assets | 9.8431% | 4,293 |
| Core capital (leverage) ratio | 9.9878% | 3,300 |
| Tier 1 risk-based capital ratio | 12.2742% | 4,728 |
| Total risk-based capital ratio | 13.5457% | 4,652 |
| Memoranda: | ||
| Average total assets | $58,935,250 | 6,427 |
| Average earning assets | $52,861,750 | 6,461 |
| Average equity | $5,792,000 | 6,738 |
| Average total loans | $47,671,000 | 5,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9621% | 344 |
| Cost of funding earning assets | 2.9821% | 500 |
| Net interest margin | 3.9800% | 2,786 |
| Noninterest income to average assets | 0.5242% | 4,234 |
| Noninterest expense to average assets | 2.8984% | 4,503 |
| Loan and lease loss provision to assets | 0.2570% | 4,520 |
| Net operating income to assets | 0.9353% | 2,326 |
| Return on assets (ROA) | 0.9353% | 2,419 |
| Pretax return on assets | 0.9353% | 3,224 |
| Return on Equity (ROE) | 9.5221% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.5221% | 809 |
| Net charge-offs to loans | 0.1096% | 5,059 |
| Credit loss provision to net charge-offs | 288.4615% | 1,621 |
| Earnings coverage of net charge-offs (x) | 13.3846% | 1,747 |
| Efficiency ratio | 70.8543% | 4,615 |
| Assets per employee ($millions) | 3.2612% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,254 |
| Loan loss allowance to noncurrent loans | 233.4278% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 4,291 |
| Noncurrent loans to loans | 0.7391% | 5,764 |
| Net loans and leases to total assets | 79.9598% | 1,319 |
| Net loans and leases to deposits | 108.4419% | 628 |
| Net loans and leases to core deposits | 173.7093% | 278 |
| Total domestic deposits to total assets | 73.7351% | 6,989 |
| Equity capital to assets | 9.9945% | 3,945 |
| Core capital (leverage) ratio | 10.0313% | 3,263 |
| Tier 1 risk-based capital ratio | 12.0556% | 4,871 |
| Total risk-based capital ratio | 13.3296% | 4,771 |
| Memoranda: | ||
| Average total assets | $58,376,670 | 6,499 |
| Average earning assets | $52,312,000 | 6,538 |
| Average equity | $5,734,000 | 6,818 |
| Average total loans | $47,430,000 | 5,866 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0767% | 296 |
| Cost of funding earning assets | 3.0778% | 489 |
| Net interest margin | 3.9988% | 2,646 |
| Noninterest income to average assets | 0.4466% | 4,814 |
| Noninterest expense to average assets | 2.7554% | 4,757 |
| Loan and lease loss provision to assets | 0.2611% | 3,875 |
| Net operating income to assets | 1.0101% | 2,269 |
| Return on assets (ROA) | 1.0101% | 2,408 |
| Pretax return on assets | 1.0101% | 3,315 |
| Return on Equity (ROE) | 10.3749% | 2,176 |
| Retained earnings to average equity (ytd only) | 10.3749% | 1,101 |
| Net charge-offs to loans | 0.0339% | 5,042 |
| Credit loss provision to net charge-offs | 950.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 46.2500% | 770 |
| Efficiency ratio | 68.4300% | 4,885 |
| Assets per employee ($millions) | 3.0329% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,065 |
| Loan loss allowance to noncurrent loans | 229.4618% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 3,952 |
| Noncurrent loans to loans | 0.7512% | 5,552 |
| Net loans and leases to total assets | 80.1371% | 1,360 |
| Net loans and leases to deposits | 109.6263% | 634 |
| Net loans and leases to core deposits | 170.8941% | 330 |
| Total domestic deposits to total assets | 73.1002% | 7,032 |
| Equity capital to assets | 9.9627% | 4,039 |
| Core capital (leverage) ratio | 9.9000% | 3,517 |
| Tier 1 risk-based capital ratio | 12.0881% | 4,886 |
| Total risk-based capital ratio | 13.3641% | 4,763 |
| Memoranda: | ||
| Average total assets | $58,214,000 | 6,537 |
| Average earning assets | $52,115,000 | 6,568 |
| Average equity | $5,667,500 | 6,889 |
| Average total loans | $47,264,000 | 5,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5005% | 408 |
| Cost of funding earning assets | 3.7005% | 267 |
| Net interest margin | 3.8000% | 4,019 |
| Noninterest income to average assets | 0.4411% | 5,106 |
| Noninterest expense to average assets | 2.6794% | 5,343 |
| Loan and lease loss provision to assets | 0.1689% | 5,216 |
| Net operating income to assets | 0.6238% | 4,212 |
| Return on assets (ROA) | 0.6238% | 4,062 |
| Pretax return on assets | 1.0166% | 3,325 |
| Return on Equity (ROE) | 6.6615% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.6615% | 1,275 |
| Net charge-offs to loans | -0.0043% | 7,781 |
| Credit loss provision to net charge-offs | -4,900.0000% | 7,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3268% | 4,472 |
| Assets per employee ($millions) | 3.0949% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 2,126 |
| Loan loss allowance to noncurrent loans | 851.6484% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 4,434 |
| Noncurrent loans to loans | 0.1914% | 6,817 |
| Net loans and leases to total assets | 79.5266% | 1,769 |
| Net loans and leases to deposits | 106.5118% | 1,079 |
| Net loans and leases to core deposits | 152.2315% | 776 |
| Total domestic deposits to total assets | 74.6646% | 6,525 |
| Equity capital to assets | 9.5131% | 4,673 |
| Core capital (leverage) ratio | 9.3159% | 4,276 |
| Tier 1 risk-based capital ratio | 11.2728% | 5,466 |
| Total risk-based capital ratio | 12.5222% | 5,353 |
| Memoranda: | ||
| Average total assets | $58,034,400 | 6,451 |
| Average earning assets | $52,289,800 | 6,495 |
| Average equity | $5,434,200 | 7,004 |
| Average total loans | $46,202,800 | 5,866 |