Home > Allendale County Bank > Performance and Condition Ratios
Allendale County Bank, Performance and Condition Ratios
| 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 | 5.0037% | 710 |
| Cost of funding earning assets | 0.5327% | 2,575 |
| Net interest margin | 4.4710% | 698 |
| Noninterest income to average assets | 0.9351% | 1,293 |
| Noninterest expense to average assets | 5.3884% | 256 |
| Loan and lease loss provision to assets | 0.3328% | 540 |
| Net operating income to assets | -1.0618% | 6,580 |
| Return on assets (ROA) | -1.6403% | 6,639 |
| Pretax return on assets | -1.6403% | 6,623 |
| Return on Equity (ROE) | -364.7577% | 6,727 |
| Retained earnings to average equity (ytd only) | -364.7577% | 6,727 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6463% | 216 |
| Assets per employee ($millions) | 2.6052% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0954% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 4,591 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.2320% | 5,730 |
| Net loans and leases to deposits | 41.3506% | 6,113 |
| Net loans and leases to core deposits | 41.3506% | 6,186 |
| Total domestic deposits to total assets | 99.7131% | 2 |
| Equity capital to assets | 0.1091% | 6,729 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,478,500 | 5,951 |
| Average earning assets | $42,048,500 | 6,055 |
| Average equity | $227,000 | 6,729 |
| Average total loans | $22,916,000 | 6,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 1,187 |
| Cost of funding earning assets | 0.6274% | 2,410 |
| Net interest margin | 4.2279% | 1,278 |
| Noninterest income to average assets | 0.4370% | 4,181 |
| Noninterest expense to average assets | 3.3600% | 1,973 |
| Loan and lease loss provision to assets | 6.0365% | 3 |
| Net operating income to assets | -5.3075% | 6,801 |
| Return on assets (ROA) | -5.3075% | 6,801 |
| Pretax return on assets | -5.3075% | 6,799 |
| Return on Equity (ROE) | -106.7661% | 6,807 |
| Retained earnings to average equity (ytd only) | -106.7661% | 6,807 |
| Net charge-offs to loans | 8.9121% | 6 |
| Credit loss provision to net charge-offs | 151.1821% | 1,537 |
| Earnings coverage of net charge-offs (x) | 0.1826% | 5,021 |
| Efficiency ratio | 82.1719% | 1,860 |
| Assets per employee ($millions) | 2.4504% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5660% | 22 |
| Loan loss allowance to noncurrent loans | 167.0444% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5593% | 1,331 |
| Noncurrent loans to loans | 4.5293% | 583 |
| Net loans and leases to total assets | 41.9985% | 5,826 |
| Net loans and leases to deposits | 42.4139% | 6,205 |
| Net loans and leases to core deposits | 42.4139% | 6,290 |
| Total domestic deposits to total assets | 99.0206% | 3 |
| Equity capital to assets | 0.7773% | 6,807 |
| Core capital (leverage) ratio | 0.4107% | 6,808 |
| Tier 1 risk-based capital ratio | 0.8406% | 6,807 |
| Total risk-based capital ratio | 1.6811% | 6,807 |
| Memoranda: | ||
| Average total assets | $57,202,200 | 5,831 |
| Average earning assets | $49,409,600 | 5,909 |
| Average equity | $2,843,600 | 6,561 |
| Average total loans | $25,628,000 | 5,952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 1,477 |
| Cost of funding earning assets | 0.6310% | 2,538 |
| Net interest margin | 4.1184% | 1,580 |
| Noninterest income to average assets | 0.4275% | 4,318 |
| Noninterest expense to average assets | 3.2197% | 2,304 |
| Loan and lease loss provision to assets | 0.7072% | 312 |
| Net operating income to assets | 0.0773% | 6,175 |
| Return on assets (ROA) | 0.0773% | 6,230 |
| Pretax return on assets | 0.0773% | 6,229 |
| Return on Equity (ROE) | 1.3122% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.3122% | 5,460 |
| Net charge-offs to loans | 1.5833% | 272 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1.1093% | 4,474 |
| Efficiency ratio | 80.4089% | 2,039 |
| Assets per employee ($millions) | 2.7638% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,100 |
| Loan loss allowance to noncurrent loans | 113.8520% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 3,767 |
| Noncurrent loans to loans | 2.0689% | 2,171 |
| Net loans and leases to total assets | 42.8549% | 5,833 |
| Net loans and leases to deposits | 45.6897% | 6,124 |
| Net loans and leases to core deposits | 45.6897% | 6,228 |
| Total domestic deposits to total assets | 93.7957% | 83 |
| Equity capital to assets | 5.9786% | 6,697 |
| Core capital (leverage) ratio | 5.7811% | 6,738 |
| Tier 1 risk-based capital ratio | 10.9843% | 6,289 |
| Total risk-based capital ratio | 12.2430% | 6,250 |
| Memoranda: | ||
| Average total assets | $58,638,000 | 5,852 |
| Average earning assets | $50,924,500 | 5,929 |
| Average equity | $3,454,500 | 6,519 |
| Average total loans | $26,189,750 | 5,986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 1,454 |
| Cost of funding earning assets | 0.6306% | 2,676 |
| Net interest margin | 4.1147% | 1,501 |
| Noninterest income to average assets | 0.4351% | 4,279 |
| Noninterest expense to average assets | 3.2258% | 2,288 |
| Loan and lease loss provision to assets | 0.7342% | 301 |
| Net operating income to assets | 0.0680% | 6,204 |
| Return on assets (ROA) | 0.0680% | 6,282 |
| Pretax return on assets | 0.0680% | 6,279 |
| Return on Equity (ROE) | 1.1596% | 6,176 |
| Retained earnings to average equity (ytd only) | 1.1596% | 5,438 |
| Net charge-offs to loans | 1.6346% | 306 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.0926% | 4,166 |
| Efficiency ratio | 80.0844% | 2,145 |
| Assets per employee ($millions) | 2.9711% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 1,243 |
| Loan loss allowance to noncurrent loans | 104.7120% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 3,311 |
| Noncurrent loans to loans | 2.2078% | 2,168 |
| Net loans and leases to total assets | 42.6660% | 5,853 |
| Net loans and leases to deposits | 45.3883% | 6,144 |
| Net loans and leases to core deposits | 45.3883% | 6,261 |
| Total domestic deposits to total assets | 94.0022% | 60 |
| Equity capital to assets | 5.8160% | 6,756 |
| Core capital (leverage) ratio | 5.4924% | 6,796 |
| Tier 1 risk-based capital ratio | 10.6799% | 6,451 |
| Total risk-based capital ratio | 11.9374% | 6,422 |
| Memoranda: | ||
| Average total assets | $58,837,330 | 5,884 |
| Average earning assets | $51,376,670 | 5,955 |
| Average equity | $3,449,330 | 6,567 |
| Average total loans | $26,428,670 | 6,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 1,223 |
| Cost of funding earning assets | 0.6579% | 2,584 |
| Net interest margin | 4.1744% | 1,263 |
| Noninterest income to average assets | 0.4304% | 4,247 |
| Noninterest expense to average assets | 3.2044% | 2,340 |
| Loan and lease loss provision to assets | 0.7311% | 320 |
| Net operating income to assets | 0.1366% | 6,078 |
| Return on assets (ROA) | 0.1366% | 6,173 |
| Pretax return on assets | 0.1366% | 6,196 |
| Return on Equity (ROE) | 2.3215% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.3215% | 4,863 |
| Net charge-offs to loans | 1.6050% | 325 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.1869% | 3,433 |
| Efficiency ratio | 78.6913% | 2,506 |
| Assets per employee ($millions) | 3.0479% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2513% | 1,479 |
| Loan loss allowance to noncurrent loans | 101.6949% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 3,515 |
| Noncurrent loans to loans | 2.2138% | 2,374 |
| Net loans and leases to total assets | 42.7367% | 5,784 |
| Net loans and leases to deposits | 45.3795% | 6,095 |
| Net loans and leases to core deposits | 45.3795% | 6,246 |
| Total domestic deposits to total assets | 94.1762% | 65 |
| Equity capital to assets | 5.6696% | 6,850 |
| Core capital (leverage) ratio | 5.7185% | 6,832 |
| Tier 1 risk-based capital ratio | 10.6815% | 6,530 |
| Total risk-based capital ratio | 11.9085% | 6,500 |
| Memoranda: | ||
| Average total assets | $58,545,000 | 5,945 |
| Average earning assets | $51,073,500 | 6,016 |
| Average equity | $3,446,000 | 6,633 |
| Average total loans | $26,666,500 | 6,040 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 1,126 |
| Cost of funding earning assets | 0.7655% | 2,963 |
| Net interest margin | 4.4285% | 1,094 |
| Noninterest income to average assets | 0.3864% | 4,715 |
| Noninterest expense to average assets | 3.4471% | 1,952 |
| Loan and lease loss provision to assets | 0.8447% | 560 |
| Net operating income to assets | -0.0413% | 6,226 |
| Return on assets (ROA) | -0.0413% | 6,338 |
| Pretax return on assets | -0.0270% | 6,310 |
| Return on Equity (ROE) | -0.6609% | 6,360 |
| Retained earnings to average equity (ytd only) | -0.6609% | 5,964 |
| Net charge-offs to loans | 1.8183% | 443 |
| Credit loss provision to net charge-offs | 99.7877% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.9660% | 4,981 |
| Efficiency ratio | 80.8260% | 2,030 |
| Assets per employee ($millions) | 2.8067% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2487% | 1,463 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 3,295 |
| Noncurrent loans to loans | 2.3986% | 2,227 |
| Net loans and leases to total assets | 46.4646% | 5,572 |
| Net loans and leases to deposits | 49.6120% | 5,979 |
| Net loans and leases to core deposits | 49.6120% | 6,169 |
| Total domestic deposits to total assets | 93.6561% | 84 |
| Equity capital to assets | 6.1212% | 6,884 |
| Core capital (leverage) ratio | 6.1334% | 6,841 |
| Tier 1 risk-based capital ratio | 10.8924% | 6,390 |
| Total risk-based capital ratio | 12.1509% | 6,353 |
| Memoranda: | ||
| Average total assets | $55,640,400 | 6,031 |
| Average earning assets | $48,729,400 | 6,096 |
| Average equity | $3,480,200 | 6,692 |
| Average total loans | $25,903,600 | 6,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 1,198 |
| Cost of funding earning assets | 0.7804% | 3,107 |
| Net interest margin | 4.4167% | 1,171 |
| Noninterest income to average assets | 0.3891% | 4,720 |
| Noninterest expense to average assets | 3.3022% | 2,270 |
| Loan and lease loss provision to assets | 0.8045% | 583 |
| Net operating income to assets | 0.1561% | 6,023 |
| Return on assets (ROA) | 0.1561% | 6,176 |
| Pretax return on assets | 0.1561% | 6,190 |
| Return on Equity (ROE) | 2.4822% | 5,888 |
| Retained earnings to average equity (ytd only) | 2.4822% | 5,092 |
| Net charge-offs to loans | 1.7425% | 465 |
| Credit loss provision to net charge-offs | 99.7024% | 3,012 |
| Earnings coverage of net charge-offs (x) | 1.1905% | 4,703 |
| Efficiency ratio | 77.4648% | 2,460 |
| Assets per employee ($millions) | 2.7934% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 1,519 |
| Loan loss allowance to noncurrent loans | 94.1915% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 3,483 |
| Noncurrent loans to loans | 2.4404% | 2,356 |
| Net loans and leases to total assets | 45.6469% | 5,802 |
| Net loans and leases to deposits | 48.8198% | 6,204 |
| Net loans and leases to core deposits | 48.8198% | 6,360 |
| Total domestic deposits to total assets | 93.5008% | 85 |
| Equity capital to assets | 6.3077% | 6,967 |
| Core capital (leverage) ratio | 6.0253% | 6,945 |
| Tier 1 risk-based capital ratio | 10.7169% | 6,599 |
| Total risk-based capital ratio | 11.9747% | 6,581 |
| Memoranda: | ||
| Average total assets | $55,517,250 | 6,109 |
| Average earning assets | $48,692,750 | 6,171 |
| Average equity | $3,491,250 | 6,771 |
| Average total loans | $25,709,000 | 6,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 1,120 |
| Cost of funding earning assets | 0.8085% | 3,126 |
| Net interest margin | 4.4527% | 1,078 |
| Noninterest income to average assets | 0.4043% | 4,617 |
| Noninterest expense to average assets | 3.4224% | 1,974 |
| Loan and lease loss provision to assets | 0.7365% | 711 |
| Net operating income to assets | 0.1227% | 6,107 |
| Return on assets (ROA) | 0.1227% | 6,271 |
| Pretax return on assets | 0.1227% | 6,278 |
| Return on Equity (ROE) | 1.9538% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.9538% | 5,218 |
| Net charge-offs to loans | 1.6029% | 586 |
| Credit loss provision to net charge-offs | 99.5122% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.1610% | 4,433 |
| Efficiency ratio | 79.9325% | 2,191 |
| Assets per employee ($millions) | 2.6663% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 1,506 |
| Loan loss allowance to noncurrent loans | 169.4915% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 4,962 |
| Noncurrent loans to loans | 1.3854% | 3,846 |
| Net loans and leases to total assets | 44.5645% | 5,961 |
| Net loans and leases to deposits | 47.6475% | 6,332 |
| Net loans and leases to core deposits | 47.6475% | 6,484 |
| Total domestic deposits to total assets | 93.5295% | 97 |
| Equity capital to assets | 6.2383% | 7,012 |
| Core capital (leverage) ratio | 5.8586% | 7,002 |
| Tier 1 risk-based capital ratio | 10.8082% | 6,576 |
| Total risk-based capital ratio | 12.0686% | 6,554 |
| Memoranda: | ||
| Average total assets | $55,400,330 | 6,153 |
| Average earning assets | $48,240,000 | 6,227 |
| Average equity | $3,480,330 | 6,814 |
| Average total loans | $25,578,000 | 6,283 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 1,226 |
| Cost of funding earning assets | 0.8153% | 3,349 |
| Net interest margin | 4.4271% | 1,170 |
| Noninterest income to average assets | 0.3847% | 4,788 |
| Noninterest expense to average assets | 3.3827% | 2,051 |
| Loan and lease loss provision to assets | 0.7259% | 707 |
| Net operating income to assets | 0.2178% | 5,931 |
| Return on assets (ROA) | 0.2178% | 6,074 |
| Pretax return on assets | 0.2178% | 6,164 |
| Return on Equity (ROE) | 3.4542% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.4542% | 4,507 |
| Net charge-offs to loans | 1.5787% | 632 |
| Credit loss provision to net charge-offs | 99.0099% | 2,392 |
| Earnings coverage of net charge-offs (x) | 1.2871% | 3,685 |
| Efficiency ratio | 78.1879% | 2,467 |
| Assets per employee ($millions) | 2.6647% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,589 |
| Loan loss allowance to noncurrent loans | 253.1646% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 5,804 |
| Noncurrent loans to loans | 0.9280% | 4,813 |
| Net loans and leases to total assets | 44.5691% | 5,950 |
| Net loans and leases to deposits | 47.6427% | 6,310 |
| Net loans and leases to core deposits | 47.6427% | 6,476 |
| Total domestic deposits to total assets | 93.5487% | 112 |
| Equity capital to assets | 6.2350% | 7,046 |
| Core capital (leverage) ratio | 5.7004% | 7,068 |
| Tier 1 risk-based capital ratio | 10.7230% | 6,655 |
| Total risk-based capital ratio | 11.9814% | 6,641 |
| Memoranda: | ||
| Average total assets | $55,104,000 | 6,203 |
| Average earning assets | $49,061,500 | 6,240 |
| Average equity | $3,474,000 | 6,856 |
| Average total loans | $25,590,500 | 6,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 1,036 |
| Cost of funding earning assets | 0.9562% | 3,679 |
| Net interest margin | 4.6054% | 917 |
| Noninterest income to average assets | 0.4099% | 4,539 |
| Noninterest expense to average assets | 3.6483% | 1,643 |
| Loan and lease loss provision to assets | 0.9116% | 1,053 |
| Net operating income to assets | -0.0742% | 6,135 |
| Return on assets (ROA) | -0.0671% | 6,211 |
| Pretax return on assets | -0.0671% | 6,186 |
| Return on Equity (ROE) | -1.0773% | 6,251 |
| Retained earnings to average equity (ytd only) | -1.0773% | 6,019 |
| Net charge-offs to loans | 1.8948% | 760 |
| Credit loss provision to net charge-offs | 104.2424% | 3,299 |
| Earnings coverage of net charge-offs (x) | 0.9576% | 5,081 |
| Efficiency ratio | 81.3312% | 2,114 |
| Assets per employee ($millions) | 2.4659% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 1,554 |
| Loan loss allowance to noncurrent loans | 210.8772% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,395 |
| Noncurrent loans to loans | 1.1115% | 4,494 |
| Net loans and leases to total assets | 46.1567% | 6,001 |
| Net loans and leases to deposits | 49.4402% | 6,404 |
| Net loans and leases to core deposits | 49.4402% | 6,558 |
| Total domestic deposits to total assets | 93.3585% | 120 |
| Equity capital to assets | 6.3760% | 7,055 |
| Core capital (leverage) ratio | 5.8825% | 7,066 |
| Tier 1 risk-based capital ratio | 10.7576% | 6,579 |
| Total risk-based capital ratio | 12.0185% | 6,554 |
| Memoranda: | ||
| Average total assets | $56,601,600 | 6,146 |
| Average earning assets | $50,093,600 | 6,189 |
| Average equity | $3,527,200 | 6,870 |
| Average total loans | $26,123,600 | 6,349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 992 |
| Cost of funding earning assets | 0.9874% | 3,770 |
| Net interest margin | 4.6335% | 887 |
| Noninterest income to average assets | 0.4103% | 4,586 |
| Noninterest expense to average assets | 3.4481% | 2,078 |
| Loan and lease loss provision to assets | 0.8953% | 1,003 |
| Net operating income to assets | 0.1585% | 5,803 |
| Return on assets (ROA) | 0.1585% | 5,929 |
| Pretax return on assets | 0.1585% | 5,979 |
| Return on Equity (ROE) | 2.5579% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.5579% | 4,833 |
| Net charge-offs to loans | 1.8492% | 715 |
| Credit loss provision to net charge-offs | 105.4945% | 3,147 |
| Earnings coverage of net charge-offs (x) | 1.2418% | 4,683 |
| Efficiency ratio | 76.5924% | 2,751 |
| Assets per employee ($millions) | 2.8569% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3183% | 1,659 |
| Loan loss allowance to noncurrent loans | 152.2843% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 5,421 |
| Noncurrent loans to loans | 1.5224% | 3,994 |
| Net loans and leases to total assets | 44.2463% | 6,314 |
| Net loans and leases to deposits | 47.3223% | 6,665 |
| Net loans and leases to core deposits | 47.3223% | 6,789 |
| Total domestic deposits to total assets | 93.4998% | 105 |
| Equity capital to assets | 6.2394% | 7,158 |
| Core capital (leverage) ratio | 6.0279% | 7,135 |
| Tier 1 risk-based capital ratio | 10.8314% | 6,644 |
| Total risk-based capital ratio | 12.0869% | 6,620 |
| Memoranda: | ||
| Average total assets | $57,189,500 | 6,181 |
| Average earning assets | $50,500,000 | 6,224 |
| Average equity | $3,544,250 | 6,924 |
| Average total loans | $26,244,250 | 6,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 845 |
| Cost of funding earning assets | 1.0102% | 3,889 |
| Net interest margin | 4.7090% | 710 |
| Noninterest income to average assets | 0.3951% | 4,719 |
| Noninterest expense to average assets | 3.4052% | 2,242 |
| Loan and lease loss provision to assets | 0.8705% | 1,032 |
| Net operating income to assets | 0.2587% | 5,524 |
| Return on assets (ROA) | 0.2587% | 5,648 |
| Pretax return on assets | 0.2587% | 5,782 |
| Return on Equity (ROE) | 4.1839% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.1839% | 3,531 |
| Net charge-offs to loans | 1.6613% | 876 |
| Credit loss provision to net charge-offs | 113.6986% | 2,693 |
| Earnings coverage of net charge-offs (x) | 1.4749% | 4,177 |
| Efficiency ratio | 75.0964% | 3,163 |
| Assets per employee ($millions) | 2.7589% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,704 |
| Loan loss allowance to noncurrent loans | 224.2647% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 5,937 |
| Noncurrent loans to loans | 1.0381% | 4,918 |
| Net loans and leases to total assets | 46.3790% | 6,227 |
| Net loans and leases to deposits | 49.7463% | 6,620 |
| Net loans and leases to core deposits | 49.7463% | 6,768 |
| Total domestic deposits to total assets | 93.2310% | 122 |
| Equity capital to assets | 6.4718% | 7,189 |
| Core capital (leverage) ratio | 5.8644% | 7,218 |
| Tier 1 risk-based capital ratio | 10.8875% | 6,608 |
| Total risk-based capital ratio | 12.1476% | 6,569 |
| Memoranda: | ||
| Average total assets | $57,207,000 | 6,229 |
| Average earning assets | $50,286,330 | 6,280 |
| Average equity | $3,537,330 | 6,969 |
| Average total loans | $26,365,330 | 6,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 944 |
| Cost of funding earning assets | 0.9783% | 4,362 |
| Net interest margin | 4.6896% | 724 |
| Noninterest income to average assets | 0.3779% | 4,893 |
| Noninterest expense to average assets | 3.3733% | 2,355 |
| Loan and lease loss provision to assets | 0.8313% | 1,000 |
| Net operating income to assets | 0.3229% | 5,298 |
| Return on assets (ROA) | 0.3229% | 5,376 |
| Pretax return on assets | 0.3229% | 5,587 |
| Return on Equity (ROE) | 5.3402% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.3402% | 2,974 |
| Net charge-offs to loans | 1.4368% | 947 |
| Credit loss provision to net charge-offs | 127.3684% | 2,168 |
| Earnings coverage of net charge-offs (x) | 1.7684% | 3,420 |
| Efficiency ratio | 74.5068% | 3,426 |
| Assets per employee ($millions) | 2.7756% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 1,818 |
| Loan loss allowance to noncurrent loans | 217.9856% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 6,076 |
| Noncurrent loans to loans | 1.0411% | 4,974 |
| Net loans and leases to total assets | 42.7362% | 6,561 |
| Net loans and leases to deposits | 45.4880% | 6,879 |
| Net loans and leases to core deposits | 45.4880% | 6,991 |
| Total domestic deposits to total assets | 93.9505% | 79 |
| Equity capital to assets | 5.8038% | 7,306 |
| Core capital (leverage) ratio | 6.0406% | 7,240 |
| Tier 1 risk-based capital ratio | 10.8323% | 6,621 |
| Total risk-based capital ratio | 12.0885% | 6,595 |
| Memoranda: | ||
| Average total assets | $58,221,500 | 6,249 |
| Average earning assets | $51,518,500 | 6,288 |
| Average equity | $3,520,500 | 7,008 |
| Average total loans | $26,447,500 | 6,503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9220% | 996 |
| Cost of funding earning assets | 1.0550% | 5,397 |
| Net interest margin | 4.8671% | 578 |
| Noninterest income to average assets | 0.4761% | 4,341 |
| Noninterest expense to average assets | 3.7020% | 1,695 |
| Loan and lease loss provision to assets | 1.0396% | 1,553 |
| Net operating income to assets | 0.0125% | 5,799 |
| Return on assets (ROA) | 0.0125% | 5,931 |
| Pretax return on assets | 0.0125% | 5,873 |
| Return on Equity (ROE) | 0.1978% | 5,903 |
| Retained earnings to average equity (ytd only) | 0.1978% | 5,472 |
| Net charge-offs to loans | 1.9434% | 1,054 |
| Credit loss provision to net charge-offs | 115.6746% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.1706% | 4,935 |
| Efficiency ratio | 77.8695% | 2,728 |
| Assets per employee ($millions) | 2.5173% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2143% | 1,845 |
| Loan loss allowance to noncurrent loans | 935.4839% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,955 |
| Noncurrent loans to loans | 0.2367% | 6,585 |
| Net loans and leases to total assets | 46.2495% | 6,537 |
| Net loans and leases to deposits | 49.5119% | 6,878 |
| Net loans and leases to core deposits | 49.5119% | 7,001 |
| Total domestic deposits to total assets | 93.4110% | 115 |
| Equity capital to assets | 6.3146% | 7,292 |
| Core capital (leverage) ratio | 6.0572% | 7,287 |
| Tier 1 risk-based capital ratio | 10.6805% | 6,585 |
| Total risk-based capital ratio | 11.9382% | 6,549 |
| Memoranda: | ||
| Average total assets | $56,078,400 | 6,336 |
| Average earning assets | $49,290,600 | 6,398 |
| Average equity | $3,538,200 | 7,125 |
| Average total loans | $25,933,800 | 6,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8566% | 1,238 |
| Cost of funding earning assets | 1.0466% | 5,711 |
| Net interest margin | 4.8100% | 666 |
| Noninterest income to average assets | 0.4835% | 4,309 |
| Noninterest expense to average assets | 3.6264% | 1,727 |
| Loan and lease loss provision to assets | 0.8082% | 1,873 |
| Net operating income to assets | 0.2228% | 5,442 |
| Return on assets (ROA) | 0.2228% | 5,603 |
| Pretax return on assets | 0.3081% | 5,483 |
| Return on Equity (ROE) | 3.5319% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.5319% | 3,964 |
| Net charge-offs to loans | 1.0875% | 1,871 |
| Credit loss provision to net charge-offs | 161.6114% | 2,337 |
| Earnings coverage of net charge-offs (x) | 2.2322% | 4,057 |
| Efficiency ratio | 76.4618% | 2,864 |
| Assets per employee ($millions) | 2.7706% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4120% | 1,458 |
| Loan loss allowance to noncurrent loans | 852.7027% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 7,022 |
| Noncurrent loans to loans | 0.2829% | 6,624 |
| Net loans and leases to total assets | 46.0731% | 6,686 |
| Net loans and leases to deposits | 49.3935% | 7,027 |
| Net loans and leases to core deposits | 49.3935% | 7,142 |
| Total domestic deposits to total assets | 93.2776% | 88 |
| Equity capital to assets | 6.4679% | 7,432 |
| Core capital (leverage) ratio | 6.2040% | 7,403 |
| Tier 1 risk-based capital ratio | 10.9916% | 6,391 |
| Total risk-based capital ratio | 12.2499% | 6,367 |
| Memoranda: | ||
| Average total assets | $56,253,000 | 6,410 |
| Average earning assets | $49,811,750 | 6,443 |
| Average equity | $3,548,500 | 7,214 |
| Average total loans | $25,869,000 | 6,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 1,390 |
| Cost of funding earning assets | 1.0527% | 5,906 |
| Net interest margin | 4.7651% | 703 |
| Noninterest income to average assets | 0.4811% | 4,277 |
| Noninterest expense to average assets | 3.5059% | 2,014 |
| Loan and lease loss provision to assets | 0.7783% | 1,850 |
| Net operating income to assets | 0.2759% | 5,274 |
| Return on assets (ROA) | 0.2759% | 5,427 |
| Pretax return on assets | 0.3927% | 5,252 |
| Return on Equity (ROE) | 4.4109% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.4109% | 3,269 |
| Net charge-offs to loans | 1.0089% | 1,845 |
| Credit loss provision to net charge-offs | 169.2308% | 2,315 |
| Earnings coverage of net charge-offs (x) | 2.5462% | 3,726 |
| Efficiency ratio | 74.9622% | 3,273 |
| Assets per employee ($millions) | 2.7963% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 1,691 |
| Loan loss allowance to noncurrent loans | 1,515.3846% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 7,218 |
| Noncurrent loans to loans | 0.1477% | 6,965 |
| Net loans and leases to total assets | 46.1690% | 6,770 |
| Net loans and leases to deposits | 49.4608% | 7,093 |
| Net loans and leases to core deposits | 49.4608% | 7,232 |
| Total domestic deposits to total assets | 93.3447% | 99 |
| Equity capital to assets | 6.3800% | 7,486 |
| Core capital (leverage) ratio | 6.1928% | 7,448 |
| Tier 1 risk-based capital ratio | 10.8771% | 6,375 |
| Total risk-based capital ratio | 12.1343% | 6,354 |
| Memoranda: | ||
| Average total assets | $56,533,330 | 6,446 |
| Average earning assets | $49,778,330 | 6,482 |
| Average equity | $3,536,670 | 7,257 |
| Average total loans | $25,771,670 | 6,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 1,416 |
| Cost of funding earning assets | 1.0257% | 6,245 |
| Net interest margin | 4.7867% | 664 |
| Noninterest income to average assets | 0.4504% | 4,461 |
| Noninterest expense to average assets | 3.3921% | 2,259 |
| Loan and lease loss provision to assets | 0.7108% | 1,793 |
| Net operating income to assets | 0.4363% | 4,682 |
| Return on assets (ROA) | 0.4363% | 4,813 |
| Pretax return on assets | 0.5841% | 4,674 |
| Return on Equity (ROE) | 7.0435% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.0435% | 2,114 |
| Net charge-offs to loans | 0.8172% | 1,900 |
| Credit loss provision to net charge-offs | 194.2308% | 1,908 |
| Earnings coverage of net charge-offs (x) | 3.5385% | 2,874 |
| Efficiency ratio | 72.3724% | 3,861 |
| Assets per employee ($millions) | 2.7486% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 1,844 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 7,377 |
| Noncurrent loans to loans | 0.0979% | 7,149 |
| Net loans and leases to total assets | 45.4668% | 6,873 |
| Net loans and leases to deposits | 48.7402% | 7,194 |
| Net loans and leases to core deposits | 48.7402% | 7,330 |
| Total domestic deposits to total assets | 93.2839% | 105 |
| Equity capital to assets | 6.4615% | 7,531 |
| Core capital (leverage) ratio | 5.8806% | 7,594 |
| Tier 1 risk-based capital ratio | 11.1346% | 6,020 |
| Total risk-based capital ratio | 12.3885% | 5,987 |
| Memoranda: | ||
| Average total assets | $56,837,500 | 6,508 |
| Average earning assets | $50,306,500 | 6,538 |
| Average equity | $3,521,000 | 7,339 |
| Average total loans | $25,452,000 | 6,851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1462% | 1,381 |
| Cost of funding earning assets | 1.2394% | 6,509 |
| Net interest margin | 4.9068% | 547 |
| Noninterest income to average assets | 0.4038% | 5,172 |
| Noninterest expense to average assets | 3.4365% | 2,566 |
| Loan and lease loss provision to assets | 1.2237% | 1,879 |
| Net operating income to assets | 0.1270% | 5,125 |
| Return on assets (ROA) | 0.1270% | 5,182 |
| Pretax return on assets | 0.1693% | 5,076 |
| Return on Equity (ROE) | 2.0427% | 4,885 |
| Retained earnings to average equity (ytd only) | 2.0427% | 3,678 |
| Net charge-offs to loans | 2.8135% | 788 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.1383% | 4,980 |
| Efficiency ratio | 71.1574% | 4,418 |
| Assets per employee ($millions) | 2.9352% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 2,086 |
| Loan loss allowance to noncurrent loans | 849.1525% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 7,245 |
| Noncurrent loans to loans | 0.2326% | 6,848 |
| Net loans and leases to total assets | 42.3471% | 7,232 |
| Net loans and leases to deposits | 45.1432% | 7,475 |
| Net loans and leases to core deposits | 55.2656% | 7,430 |
| Total domestic deposits to total assets | 93.8061% | 82 |
| Equity capital to assets | 5.9452% | 7,671 |
| Core capital (leverage) ratio | 5.9215% | 7,650 |
| Tier 1 risk-based capital ratio | 10.7287% | 6,176 |
| Total risk-based capital ratio | 11.5596% | 6,554 |
| Memoranda: | ||
| Average total assets | $56,714,400 | 6,465 |
| Average earning assets | $51,153,400 | 6,491 |
| Average equity | $3,524,800 | 7,437 |
| Average total loans | $24,667,200 | 6,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2881% | 1,161 |
| Cost of funding earning assets | 1.2953% | 6,571 |
| Net interest margin | 4.9928% | 449 |
| Noninterest income to average assets | 0.4032% | 5,253 |
| Noninterest expense to average assets | 3.3631% | 2,682 |
| Loan and lease loss provision to assets | 0.9629% | 1,997 |
| Net operating income to assets | 0.4743% | 4,095 |
| Return on assets (ROA) | 0.4743% | 4,196 |
| Pretax return on assets | 0.6024% | 4,176 |
| Return on Equity (ROE) | 7.5466% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.5466% | 1,297 |
| Net charge-offs to loans | 1.4534% | 1,421 |
| Credit loss provision to net charge-offs | 152.0599% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.4719% | 3,994 |
| Efficiency ratio | 68.2387% | 4,923 |
| Assets per employee ($millions) | 2.8957% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4926% | 1,072 |
| Loan loss allowance to noncurrent loans | 426.6667% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,866 |
| Noncurrent loans to loans | 0.5842% | 6,145 |
| Net loans and leases to total assets | 43.2304% | 7,299 |
| Net loans and leases to deposits | 46.2431% | 7,558 |
| Net loans and leases to core deposits | 56.7427% | 7,522 |
| Total domestic deposits to total assets | 93.4851% | 65 |
| Equity capital to assets | 6.2473% | 7,815 |
| Core capital (leverage) ratio | 6.1542% | 7,775 |
| Tier 1 risk-based capital ratio | 11.6691% | 5,272 |
| Total risk-based capital ratio | 12.9269% | 5,217 |
| Memoranda: | ||
| Average total assets | $56,217,250 | 6,533 |
| Average earning assets | $50,952,500 | 6,539 |
| Average equity | $3,533,500 | 7,501 |
| Average total loans | $24,494,000 | 7,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4021% | 1,008 |
| Cost of funding earning assets | 1.3676% | 6,593 |
| Net interest margin | 5.0345% | 399 |
| Noninterest income to average assets | 0.4061% | 5,231 |
| Noninterest expense to average assets | 3.4500% | 2,491 |
| Loan and lease loss provision to assets | 0.9559% | 1,770 |
| Net operating income to assets | 0.4348% | 4,359 |
| Return on assets (ROA) | 0.4348% | 4,474 |
| Pretax return on assets | 0.5642% | 4,427 |
| Return on Equity (ROE) | 6.9038% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.9038% | 1,620 |
| Net charge-offs to loans | 1.5104% | 1,259 |
| Credit loss provision to net charge-offs | 146.1538% | 3,164 |
| Earnings coverage of net charge-offs (x) | 2.3242% | 3,904 |
| Efficiency ratio | 69.4143% | 4,900 |
| Assets per employee ($millions) | 3.0118% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3979% | 995 |
| Loan loss allowance to noncurrent loans | 411.9718% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,906 |
| Noncurrent loans to loans | 0.5821% | 6,093 |
| Net loans and leases to total assets | 39.5302% | 7,571 |
| Net loans and leases to deposits | 42.1463% | 7,753 |
| Net loans and leases to core deposits | 51.8950% | 7,715 |
| Total domestic deposits to total assets | 93.7926% | 64 |
| Equity capital to assets | 5.8753% | 7,950 |
| Core capital (leverage) ratio | 6.0623% | 7,908 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,281 |
| Total risk-based capital ratio | 12.8637% | 5,209 |
| Memoranda: | ||
| Average total assets | $55,652,000 | 6,610 |
| Average earning assets | $50,452,330 | 6,613 |
| Average equity | $3,505,330 | 7,573 |
| Average total loans | $24,100,000 | 7,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6829% | 599 |
| Cost of funding earning assets | 1.4208% | 6,661 |
| Net interest margin | 5.2621% | 250 |
| Noninterest income to average assets | 0.4723% | 4,573 |
| Noninterest expense to average assets | 3.3433% | 2,522 |
| Loan and lease loss provision to assets | 0.9220% | 1,410 |
| Net operating income to assets | 0.9820% | 2,391 |
| Return on assets (ROA) | 0.9820% | 2,521 |
| Pretax return on assets | 0.9820% | 3,413 |
| Return on Equity (ROE) | 15.0208% | 974 |
| Retained earnings to average equity (ytd only) | 15.0208% | 415 |
| Net charge-offs to loans | 1.0688% | 1,274 |
| Credit loss provision to net charge-offs | 192.1875% | 2,297 |
| Earnings coverage of net charge-offs (x) | 3.9688% | 3,014 |
| Efficiency ratio | 63.7143% | 5,741 |
| Assets per employee ($millions) | 2.6174% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3254% | 915 |
| Loan loss allowance to noncurrent loans | 290.1554% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,463 |
| Noncurrent loans to loans | 0.8014% | 5,431 |
| Net loans and leases to total assets | 42.7937% | 7,422 |
| Net loans and leases to deposits | 45.9324% | 7,665 |
| Net loans and leases to core deposits | 56.5991% | 7,590 |
| Total domestic deposits to total assets | 93.1667% | 73 |
| Equity capital to assets | 6.4749% | 7,879 |
| Core capital (leverage) ratio | 6.3105% | 7,942 |
| Tier 1 risk-based capital ratio | 12.1153% | 4,854 |
| Total risk-based capital ratio | 13.3715% | 4,756 |
| Memoranda: | ||
| Average total assets | $53,360,500 | 6,729 |
| Average earning assets | $48,422,000 | 6,732 |
| Average equity | $3,488,500 | 7,627 |
| Average total loans | $23,952,000 | 7,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3996% | 492 |
| Cost of funding earning assets | 2.0352% | 6,299 |
| Net interest margin | 5.3645% | 255 |
| Noninterest income to average assets | 0.4248% | 5,265 |
| Noninterest expense to average assets | 3.7154% | 1,923 |
| Loan and lease loss provision to assets | 1.0648% | 1,367 |
| Net operating income to assets | 0.2926% | 5,570 |
| Return on assets (ROA) | 0.2926% | 5,380 |
| Pretax return on assets | 0.4418% | 5,150 |
| Return on Equity (ROE) | 4.5639% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.5639% | 2,283 |
| Net charge-offs to loans | 2.4745% | 392 |
| Credit loss provision to net charge-offs | 100.1776% | 5,287 |
| Earnings coverage of net charge-offs (x) | 1.4174% | 5,410 |
| Efficiency ratio | 71.1497% | 4,095 |
| Assets per employee ($millions) | 2.3525% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 1,066 |
| Loan loss allowance to noncurrent loans | 677.0270% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 7,006 |
| Noncurrent loans to loans | 0.3106% | 6,449 |
| Net loans and leases to total assets | 45.0604% | 7,403 |
| Net loans and leases to deposits | 48.4763% | 7,691 |
| Net loans and leases to core deposits | 60.4046% | 7,567 |
| Total domestic deposits to total assets | 92.9533% | 57 |
| Equity capital to assets | 6.6042% | 7,903 |
| Core capital (leverage) ratio | 6.3466% | 7,980 |
| Tier 1 risk-based capital ratio | 12.0522% | 4,783 |
| Total risk-based capital ratio | 13.3075% | 4,661 |
| Memoranda: | ||
| Average total assets | $52,969,200 | 6,661 |
| Average earning assets | $47,367,200 | 6,699 |
| Average equity | $3,396,200 | 7,721 |
| Average total loans | $22,752,200 | 7,150 |