Home > AztecAmerica Bank > Performance and Condition Ratios
AztecAmerica 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 | 4.0564% | 3,444 |
| Cost of funding earning assets | 1.2654% | 76 |
| Net interest margin | 2.7910% | 5,953 |
| Noninterest income to average assets | 0.5913% | 2,788 |
| Noninterest expense to average assets | 6.2331% | 174 |
| Loan and lease loss provision to assets | -0.4586% | 6,654 |
| Net operating income to assets | -2.8541% | 6,686 |
| Return on assets (ROA) | -2.8541% | 6,686 |
| Pretax return on assets | -2.8541% | 6,681 |
| Return on Equity (ROE) | -169.5341% | 6,722 |
| Retained earnings to average equity (ytd only) | -169.5341% | 6,722 |
| Net charge-offs to loans | 0.2246% | 1,424 |
| Credit loss provision to net charge-offs | -292.3077% | 5,039 |
| Earnings coverage of net charge-offs (x) | -21.1154% | 3,622 |
| Efficiency ratio | 213.4298% | 23 |
| Assets per employee ($millions) | 3.6838% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8062% | 216 |
| Loan loss allowance to noncurrent loans | 24.5253% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 23.4041% | 8 |
| Noncurrent loans to loans | 15.5194% | 39 |
| Net loans and leases to total assets | 65.4798% | 2,640 |
| Net loans and leases to deposits | 66.7666% | 3,999 |
| Net loans and leases to core deposits | 76.4271% | 3,367 |
| Total domestic deposits to total assets | 98.0727% | 4 |
| Equity capital to assets | 1.3724% | 6,722 |
| Core capital (leverage) ratio | 1.8112% | 6,724 |
| Tier 1 risk-based capital ratio | 2.2871% | 6,725 |
| Total risk-based capital ratio | 3.5626% | 6,724 |
| Memoranda: | ||
| Average total assets | $66,291,000 | 5,557 |
| Average earning assets | $55,320,000 | 5,689 |
| Average equity | $1,116,000 | 6,700 |
| Average total loans | $46,301,000 | 5,069 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,206 |
| Cost of funding earning assets | 1.2975% | 110 |
| Net interest margin | 2.9401% | 5,711 |
| Noninterest income to average assets | 0.3165% | 5,070 |
| Noninterest expense to average assets | 6.3152% | 176 |
| Loan and lease loss provision to assets | -0.6864% | 6,770 |
| Net operating income to assets | -2.6829% | 6,746 |
| Return on assets (ROA) | -2.7272% | 6,746 |
| Pretax return on assets | -2.7272% | 6,744 |
| Return on Equity (ROE) | -102.2261% | 6,804 |
| Retained earnings to average equity (ytd only) | -102.2261% | 6,804 |
| Net charge-offs to loans | 2.2388% | 145 |
| Credit loss provision to net charge-offs | -43.2322% | 5,776 |
| Earnings coverage of net charge-offs (x) | -2.1222% | 5,329 |
| Efficiency ratio | 214.3678% | 24 |
| Assets per employee ($millions) | 3.8984% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8344% | 227 |
| Loan loss allowance to noncurrent loans | 19.5447% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 24.7914% | 6 |
| Noncurrent loans to loans | 19.6187% | 21 |
| Net loans and leases to total assets | 68.8742% | 2,198 |
| Net loans and leases to deposits | 70.7192% | 3,692 |
| Net loans and leases to core deposits | 80.2747% | 3,100 |
| Total domestic deposits to total assets | 97.3911% | 11 |
| Equity capital to assets | 1.9948% | 6,792 |
| Core capital (leverage) ratio | 2.1549% | 6,794 |
| Tier 1 risk-based capital ratio | 3.1529% | 6,791 |
| Total risk-based capital ratio | 4.4299% | 6,791 |
| Memoranda: | ||
| Average total assets | $76,782,800 | 5,310 |
| Average earning assets | $68,670,600 | 5,333 |
| Average equity | $2,048,400 | 6,677 |
| Average total loans | $54,448,600 | 4,799 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,482 |
| Cost of funding earning assets | 1.2478% | 159 |
| Net interest margin | 2.9245% | 5,758 |
| Noninterest income to average assets | -0.1175% | 6,814 |
| Noninterest expense to average assets | 5.9856% | 207 |
| Loan and lease loss provision to assets | -0.0017% | 6,445 |
| Net operating income to assets | -3.4571% | 6,864 |
| Return on assets (ROA) | -3.3966% | 6,859 |
| Pretax return on assets | -3.3966% | 6,856 |
| Return on Equity (ROE) | -120.9538% | 6,887 |
| Retained earnings to average equity (ytd only) | -120.9538% | 6,887 |
| Net charge-offs to loans | 2.7309% | 99 |
| Credit loss provision to net charge-offs | -0.0869% | 5,569 |
| Earnings coverage of net charge-offs (x) | -1.7897% | 5,070 |
| Efficiency ratio | 236.8771% | 17 |
| Assets per employee ($millions) | 3.7732% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4493% | 169 |
| Loan loss allowance to noncurrent loans | 22.1123% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 19.3733% | 20 |
| Noncurrent loans to loans | 20.1213% | 19 |
| Net loans and leases to total assets | 65.4257% | 2,730 |
| Net loans and leases to deposits | 66.7491% | 4,209 |
| Net loans and leases to core deposits | 74.3404% | 3,801 |
| Total domestic deposits to total assets | 98.0174% | 3 |
| Equity capital to assets | 1.6356% | 6,881 |
| Core capital (leverage) ratio | 2.0378% | 6,884 |
| Tier 1 risk-based capital ratio | 2.7828% | 6,885 |
| Total risk-based capital ratio | 4.0665% | 6,885 |
| Memoranda: | ||
| Average total assets | $79,410,250 | 5,303 |
| Average earning assets | $71,805,250 | 5,309 |
| Average equity | $2,230,000 | 6,738 |
| Average total loans | $56,194,500 | 4,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 3,222 |
| Cost of funding earning assets | 1.2533% | 174 |
| Net interest margin | 2.9807% | 5,611 |
| Noninterest income to average assets | -0.2768% | 6,885 |
| Noninterest expense to average assets | 5.9194% | 214 |
| Loan and lease loss provision to assets | -0.0025% | 6,564 |
| Net operating income to assets | -3.4882% | 6,910 |
| Return on assets (ROA) | -3.3976% | 6,909 |
| Pretax return on assets | -3.3976% | 6,902 |
| Return on Equity (ROE) | -106.2436% | 6,931 |
| Retained earnings to average equity (ytd only) | -106.2436% | 6,929 |
| Net charge-offs to loans | 3.6981% | 66 |
| Credit loss provision to net charge-offs | -0.0951% | 5,412 |
| Earnings coverage of net charge-offs (x) | -1.3197% | 4,733 |
| Efficiency ratio | 243.7306% | 20 |
| Assets per employee ($millions) | 3.9451% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4997% | 175 |
| Loan loss allowance to noncurrent loans | 21.8894% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 20.8258% | 19 |
| Noncurrent loans to loans | 20.5566% | 20 |
| Net loans and leases to total assets | 67.6231% | 2,316 |
| Net loans and leases to deposits | 69.5836% | 3,777 |
| Net loans and leases to core deposits | 77.2973% | 3,385 |
| Total domestic deposits to total assets | 97.1826% | 7 |
| Equity capital to assets | 2.4195% | 6,919 |
| Core capital (leverage) ratio | 2.8668% | 6,907 |
| Tier 1 risk-based capital ratio | 3.8653% | 6,913 |
| Total risk-based capital ratio | 5.1526% | 6,913 |
| Memoranda: | ||
| Average total assets | $79,467,670 | 5,334 |
| Average earning assets | $72,131,000 | 5,331 |
| Average equity | $2,541,330 | 6,743 |
| Average total loans | $56,840,670 | 4,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,628 |
| Cost of funding earning assets | 1.2752% | 173 |
| Net interest margin | 2.8484% | 5,919 |
| Noninterest income to average assets | -0.4765% | 6,983 |
| Noninterest expense to average assets | 6.0138% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.9022% | 6,980 |
| Return on assets (ROA) | -3.9022% | 6,981 |
| Pretax return on assets | -3.9022% | 6,980 |
| Return on Equity (ROE) | -108.9064% | 7,006 |
| Retained earnings to average equity (ytd only) | -108.9064% | 7,005 |
| Net charge-offs to loans | 7.5847% | 23 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.7157% | 3,944 |
| Efficiency ratio | 284.7981% | 16 |
| Assets per employee ($millions) | 4.1698% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4541% | 204 |
| Loan loss allowance to noncurrent loans | 20.6911% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 21.0890% | 19 |
| Noncurrent loans to loans | 21.5269% | 21 |
| Net loans and leases to total assets | 67.1206% | 2,167 |
| Net loans and leases to deposits | 69.5288% | 3,571 |
| Net loans and leases to core deposits | 77.0268% | 3,203 |
| Total domestic deposits to total assets | 96.5365% | 16 |
| Equity capital to assets | 3.1177% | 6,975 |
| Core capital (leverage) ratio | 3.0434% | 6,969 |
| Tier 1 risk-based capital ratio | 4.2687% | 6,974 |
| Total risk-based capital ratio | 5.5570% | 6,974 |
| Memoranda: | ||
| Average total assets | $79,750,500 | 5,370 |
| Average earning assets | $72,462,000 | 5,373 |
| Average equity | $2,857,500 | 6,751 |
| Average total loans | $57,326,000 | 4,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 4,240 |
| Cost of funding earning assets | 1.3611% | 291 |
| Net interest margin | 2.9261% | 6,180 |
| Noninterest income to average assets | 0.6463% | 3,013 |
| Noninterest expense to average assets | 5.2457% | 320 |
| Loan and lease loss provision to assets | 0.3178% | 2,150 |
| Net operating income to assets | -2.2256% | 6,954 |
| Return on assets (ROA) | -1.9712% | 6,929 |
| Pretax return on assets | -1.9712% | 6,920 |
| Return on Equity (ROE) | -38.4633% | 6,988 |
| Retained earnings to average equity (ytd only) | -38.4633% | 6,978 |
| Net charge-offs to loans | 0.0468% | 5,260 |
| Credit loss provision to net charge-offs | 917.2414% | 276 |
| Earnings coverage of net charge-offs (x) | -55.0690% | 5,978 |
| Efficiency ratio | 157.1582% | 74 |
| Assets per employee ($millions) | 4.2250% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0445% | 67 |
| Loan loss allowance to noncurrent loans | 35.1295% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 18.3133% | 40 |
| Noncurrent loans to loans | 17.2063% | 50 |
| Net loans and leases to total assets | 69.0501% | 2,022 |
| Net loans and leases to deposits | 72.2761% | 3,362 |
| Net loans and leases to core deposits | 80.2728% | 2,968 |
| Total domestic deposits to total assets | 95.5366% | 35 |
| Equity capital to assets | 4.0424% | 6,997 |
| Core capital (leverage) ratio | 3.9559% | 6,995 |
| Tier 1 risk-based capital ratio | 5.4170% | 7,008 |
| Total risk-based capital ratio | 6.7252% | 7,009 |
| Memoranda: | ||
| Average total assets | $83,707,000 | 5,254 |
| Average earning assets | $76,995,400 | 5,213 |
| Average equity | $4,289,800 | 6,498 |
| Average total loans | $61,981,000 | 4,635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 4,228 |
| Cost of funding earning assets | 1.3774% | 323 |
| Net interest margin | 2.9769% | 6,215 |
| Noninterest income to average assets | 0.6543% | 2,971 |
| Noninterest expense to average assets | 4.3595% | 623 |
| Loan and lease loss provision to assets | 0.3169% | 2,083 |
| Net operating income to assets | -1.2755% | 6,923 |
| Return on assets (ROA) | -0.9428% | 6,871 |
| Pretax return on assets | -0.9428% | 6,847 |
| Return on Equity (ROE) | -17.5194% | 6,962 |
| Retained earnings to average equity (ytd only) | -17.5194% | 6,942 |
| Net charge-offs to loans | 0.3932% | 2,519 |
| Credit loss provision to net charge-offs | 108.6486% | 2,704 |
| Earnings coverage of net charge-offs (x) | -3.2865% | 5,682 |
| Efficiency ratio | 128.1873% | 159 |
| Assets per employee ($millions) | 4.1193% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4328% | 107 |
| Loan loss allowance to noncurrent loans | 32.1141% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 18.0273% | 58 |
| Noncurrent loans to loans | 16.9171% | 73 |
| Net loans and leases to total assets | 70.6746% | 1,787 |
| Net loans and leases to deposits | 74.7532% | 3,176 |
| Net loans and leases to core deposits | 82.9218% | 2,839 |
| Total domestic deposits to total assets | 94.5440% | 54 |
| Equity capital to assets | 5.0907% | 7,043 |
| Core capital (leverage) ratio | 4.9799% | 7,030 |
| Tier 1 risk-based capital ratio | 6.6392% | 7,067 |
| Total risk-based capital ratio | 7.9400% | 7,067 |
| Memoranda: | ||
| Average total assets | $84,565,000 | 5,283 |
| Average earning assets | $78,020,000 | 5,241 |
| Average equity | $4,551,000 | 6,501 |
| Average total loans | $62,727,250 | 4,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 4,079 |
| Cost of funding earning assets | 1.4088% | 336 |
| Net interest margin | 3.0181% | 6,204 |
| Noninterest income to average assets | 0.6495% | 2,959 |
| Noninterest expense to average assets | 3.9113% | 1,061 |
| Loan and lease loss provision to assets | -0.0610% | 7,086 |
| Net operating income to assets | -0.4127% | 6,691 |
| Return on assets (ROA) | -0.0399% | 6,484 |
| Pretax return on assets | -0.0399% | 6,476 |
| Return on Equity (ROE) | -0.7281% | 6,518 |
| Retained earnings to average equity (ytd only) | -0.7281% | 6,167 |
| Net charge-offs to loans | 0.1363% | 3,842 |
| Credit loss provision to net charge-offs | -60.4651% | 6,018 |
| Earnings coverage of net charge-offs (x) | -4.6977% | 5,449 |
| Efficiency ratio | 113.7790% | 281 |
| Assets per employee ($millions) | 4.3083% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2455% | 129 |
| Loan loss allowance to noncurrent loans | 32.0141% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 16.9498% | 70 |
| Noncurrent loans to loans | 16.3848% | 84 |
| Net loans and leases to total assets | 68.3437% | 2,224 |
| Net loans and leases to deposits | 73.7828% | 3,328 |
| Net loans and leases to core deposits | 80.9315% | 3,096 |
| Total domestic deposits to total assets | 92.6282% | 151 |
| Equity capital to assets | 5.5219% | 7,063 |
| Core capital (leverage) ratio | 5.6007% | 7,020 |
| Tier 1 risk-based capital ratio | 7.4192% | 7,067 |
| Total risk-based capital ratio | 8.7164% | 7,068 |
| Memoranda: | ||
| Average total assets | $85,291,330 | 5,295 |
| Average earning assets | $78,791,670 | 5,249 |
| Average equity | $4,670,000 | 6,495 |
| Average total loans | $63,112,670 | 4,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 2,895 |
| Cost of funding earning assets | 1.4523% | 348 |
| Net interest margin | 3.2869% | 5,511 |
| Noninterest income to average assets | 0.8532% | 1,935 |
| Noninterest expense to average assets | 3.8183% | 1,188 |
| Loan and lease loss provision to assets | -0.0943% | 7,177 |
| Net operating income to assets | 0.1697% | 6,064 |
| Return on assets (ROA) | 0.3818% | 5,521 |
| Pretax return on assets | 0.3818% | 5,778 |
| Return on Equity (ROE) | 7.0039% | 3,781 |
| Retained earnings to average equity (ytd only) | 7.0039% | 2,437 |
| Net charge-offs to loans | 0.2201% | 2,821 |
| Credit loss provision to net charge-offs | -57.1429% | 5,434 |
| Earnings coverage of net charge-offs (x) | 0.4571% | 4,115 |
| Efficiency ratio | 98.0630% | 630 |
| Assets per employee ($millions) | 4.4251% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1597% | 153 |
| Loan loss allowance to noncurrent loans | 31.4747% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 17.2427% | 76 |
| Noncurrent loans to loans | 16.3932% | 94 |
| Net loans and leases to total assets | 71.5769% | 1,472 |
| Net loans and leases to deposits | 76.3092% | 2,748 |
| Net loans and leases to core deposits | 83.7973% | 2,570 |
| Total domestic deposits to total assets | 93.7985% | 99 |
| Equity capital to assets | 5.6770% | 7,096 |
| Core capital (leverage) ratio | 5.7458% | 7,063 |
| Tier 1 risk-based capital ratio | 7.5527% | 7,106 |
| Total risk-based capital ratio | 8.8499% | 7,106 |
| Memoranda: | ||
| Average total assets | $84,854,000 | 5,346 |
| Average earning assets | $78,494,500 | 5,287 |
| Average equity | $4,626,000 | 6,541 |
| Average total loans | $63,594,500 | 4,675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 1,820 |
| Cost of funding earning assets | 1.5910% | 492 |
| Net interest margin | 3.6726% | 4,421 |
| Noninterest income to average assets | -0.1921% | 7,155 |
| Noninterest expense to average assets | 4.3320% | 699 |
| Loan and lease loss provision to assets | 0.5990% | 1,723 |
| Net operating income to assets | -1.7055% | 6,961 |
| Return on assets (ROA) | -0.9674% | 6,756 |
| Pretax return on assets | -0.9674% | 6,716 |
| Return on Equity (ROE) | -16.8133% | 6,931 |
| Retained earnings to average equity (ytd only) | -16.8133% | 6,911 |
| Net charge-offs to loans | 0.9340% | 1,865 |
| Credit loss provision to net charge-offs | 84.6645% | 4,254 |
| Earnings coverage of net charge-offs (x) | -1.5639% | 6,254 |
| Efficiency ratio | 134.3027% | 208 |
| Assets per employee ($millions) | 4.7573% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2231% | 154 |
| Loan loss allowance to noncurrent loans | 42.8388% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 13.8103% | 163 |
| Noncurrent loans to loans | 12.1925% | 212 |
| Net loans and leases to total assets | 70.5426% | 1,918 |
| Net loans and leases to deposits | 75.5172% | 3,254 |
| Net loans and leases to core deposits | 82.7856% | 3,065 |
| Total domestic deposits to total assets | 93.4125% | 117 |
| Equity capital to assets | 5.2305% | 7,156 |
| Core capital (leverage) ratio | 5.1473% | 7,129 |
| Tier 1 risk-based capital ratio | 6.9099% | 7,162 |
| Total risk-based capital ratio | 8.2086% | 7,160 |
| Memoranda: | ||
| Average total assets | $88,481,000 | 5,224 |
| Average earning assets | $82,339,800 | 5,161 |
| Average equity | $5,091,200 | 6,411 |
| Average total loans | $67,026,400 | 4,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3681% | 1,611 |
| Cost of funding earning assets | 1.6316% | 513 |
| Net interest margin | 3.7365% | 4,182 |
| Noninterest income to average assets | 0.3124% | 5,365 |
| Noninterest expense to average assets | 4.1317% | 859 |
| Loan and lease loss provision to assets | 0.2736% | 3,320 |
| Net operating income to assets | -0.6114% | 6,703 |
| Return on assets (ROA) | -0.0508% | 6,319 |
| Pretax return on assets | -0.0508% | 6,281 |
| Return on Equity (ROE) | -0.8644% | 6,358 |
| Retained earnings to average equity (ytd only) | -0.8644% | 6,129 |
| Net charge-offs to loans | -0.2456% | 7,283 |
| Credit loss provision to net charge-offs | -146.4000% | 6,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9046% | 452 |
| Assets per employee ($millions) | 4.3477% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6908% | 120 |
| Loan loss allowance to noncurrent loans | 45.4136% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 13.8993% | 161 |
| Noncurrent loans to loans | 12.5311% | 216 |
| Net loans and leases to total assets | 71.1457% | 1,874 |
| Net loans and leases to deposits | 76.3819% | 3,269 |
| Net loans and leases to core deposits | 83.3410% | 3,140 |
| Total domestic deposits to total assets | 93.1447% | 125 |
| Equity capital to assets | 6.4873% | 7,133 |
| Core capital (leverage) ratio | 6.0838% | 7,122 |
| Tier 1 risk-based capital ratio | 8.0935% | 7,188 |
| Total risk-based capital ratio | 9.3976% | 7,185 |
| Memoranda: | ||
| Average total assets | $89,193,250 | 5,243 |
| Average earning assets | $83,106,500 | 5,184 |
| Average equity | $5,244,250 | 6,418 |
| Average total loans | $67,849,000 | 4,604 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3927% | 1,588 |
| Cost of funding earning assets | 1.6503% | 568 |
| Net interest margin | 3.7423% | 4,071 |
| Noninterest income to average assets | 0.5537% | 3,453 |
| Noninterest expense to average assets | 4.0427% | 986 |
| Loan and lease loss provision to assets | 0.4381% | 2,241 |
| Net operating income to assets | -0.4225% | 6,632 |
| Return on assets (ROA) | -0.2446% | 6,546 |
| Pretax return on assets | -0.2446% | 6,493 |
| Return on Equity (ROE) | -4.3036% | 6,663 |
| Retained earnings to average equity (ytd only) | -4.3036% | 6,503 |
| Net charge-offs to loans | -1.3295% | 7,451 |
| Credit loss provision to net charge-offs | -43.2018% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6164% | 736 |
| Assets per employee ($millions) | 4.4910% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9402% | 99 |
| Loan loss allowance to noncurrent loans | 53.4049% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 11.5866% | 279 |
| Noncurrent loans to loans | 11.1229% | 309 |
| Net loans and leases to total assets | 71.8924% | 1,805 |
| Net loans and leases to deposits | 76.7237% | 3,338 |
| Net loans and leases to core deposits | 83.6546% | 3,263 |
| Total domestic deposits to total assets | 93.7029% | 93 |
| Equity capital to assets | 5.8150% | 7,270 |
| Core capital (leverage) ratio | 5.8258% | 7,220 |
| Tier 1 risk-based capital ratio | 7.6864% | 7,269 |
| Total risk-based capital ratio | 8.9964% | 7,270 |
| Memoranda: | ||
| Average total assets | $89,939,670 | 5,256 |
| Average earning assets | $84,225,670 | 5,189 |
| Average equity | $5,112,000 | 6,498 |
| Average total loans | $68,599,670 | 4,629 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 1,779 |
| Cost of funding earning assets | 1.6868% | 587 |
| Net interest margin | 3.6437% | 4,360 |
| Noninterest income to average assets | 0.2889% | 5,603 |
| Noninterest expense to average assets | 3.6489% | 1,654 |
| Loan and lease loss provision to assets | 0.0267% | 5,632 |
| Net operating income to assets | 0.0311% | 6,275 |
| Return on assets (ROA) | 0.0311% | 6,311 |
| Pretax return on assets | 0.0311% | 6,300 |
| Return on Equity (ROE) | 0.5537% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.5537% | 5,609 |
| Net charge-offs to loans | 0.4083% | 2,462 |
| Credit loss provision to net charge-offs | 8.5714% | 4,397 |
| Earnings coverage of net charge-offs (x) | 0.1857% | 4,469 |
| Efficiency ratio | 98.4412% | 810 |
| Assets per employee ($millions) | 4.6634% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9845% | 193 |
| Loan loss allowance to noncurrent loans | 45.2051% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 12.2511% | 252 |
| Noncurrent loans to loans | 11.0264% | 338 |
| Net loans and leases to total assets | 72.3082% | 1,657 |
| Net loans and leases to deposits | 76.9447% | 3,264 |
| Net loans and leases to core deposits | 83.9081% | 3,170 |
| Total domestic deposits to total assets | 93.9743% | 78 |
| Equity capital to assets | 5.7537% | 7,311 |
| Core capital (leverage) ratio | 5.9877% | 7,253 |
| Tier 1 risk-based capital ratio | 7.8855% | 7,303 |
| Total risk-based capital ratio | 9.1821% | 7,304 |
| Memoranda: | ||
| Average total assets | $90,000,000 | 5,292 |
| Average earning assets | $84,420,500 | 5,212 |
| Average equity | $5,056,500 | 6,540 |
| Average total loans | $68,574,000 | 4,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 2,489 |
| Cost of funding earning assets | 2.2526% | 253 |
| Net interest margin | 3.1938% | 6,280 |
| Noninterest income to average assets | 0.2591% | 5,946 |
| Noninterest expense to average assets | 3.9955% | 1,167 |
| Loan and lease loss provision to assets | 4.1820% | 142 |
| Net operating income to assets | -4.8877% | 7,529 |
| Return on assets (ROA) | -4.5603% | 7,509 |
| Pretax return on assets | -4.5603% | 7,505 |
| Return on Equity (ROE) | -54.5315% | 7,446 |
| Retained earnings to average equity (ytd only) | -54.5315% | 7,444 |
| Net charge-offs to loans | 3.3461% | 451 |
| Credit loss provision to net charge-offs | 161.7610% | 2,151 |
| Earnings coverage of net charge-offs (x) | -0.2730% | 6,340 |
| Efficiency ratio | 121.4498% | 395 |
| Assets per employee ($millions) | 5.0776% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9126% | 202 |
| Loan loss allowance to noncurrent loans | 42.2527% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 11.7073% | 297 |
| Noncurrent loans to loans | 11.6267% | 315 |
| Net loans and leases to total assets | 72.5349% | 1,975 |
| Net loans and leases to deposits | 76.9572% | 3,688 |
| Net loans and leases to core deposits | 81.9466% | 3,914 |
| Total domestic deposits to total assets | 94.2536% | 76 |
| Equity capital to assets | 5.4871% | 7,400 |
| Core capital (leverage) ratio | 5.5852% | 7,353 |
| Tier 1 risk-based capital ratio | 7.7082% | 7,371 |
| Total risk-based capital ratio | 9.0051% | 7,371 |
| Memoranda: | ||
| Average total assets | $92,252,800 | 5,217 |
| Average earning assets | $87,543,400 | 5,096 |
| Average equity | $7,714,800 | 5,800 |
| Average total loans | $71,276,600 | 4,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 2,558 |
| Cost of funding earning assets | 2.3443% | 232 |
| Net interest margin | 3.1257% | 6,547 |
| Noninterest income to average assets | 0.2120% | 6,394 |
| Noninterest expense to average assets | 3.9278% | 1,162 |
| Loan and lease loss provision to assets | 1.6265% | 793 |
| Net operating income to assets | -2.3720% | 7,319 |
| Return on assets (ROA) | -2.0129% | 7,258 |
| Pretax return on assets | -2.0129% | 7,201 |
| Return on Equity (ROE) | -22.1853% | 7,262 |
| Retained earnings to average equity (ytd only) | -22.1853% | 7,248 |
| Net charge-offs to loans | 1.6037% | 1,229 |
| Credit loss provision to net charge-offs | 130.8585% | 3,086 |
| Earnings coverage of net charge-offs (x) | -0.5998% | 6,363 |
| Efficiency ratio | 123.4255% | 359 |
| Assets per employee ($millions) | 4.6233% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0120% | 812 |
| Loan loss allowance to noncurrent loans | 28.5641% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 10.2431% | 389 |
| Noncurrent loans to loans | 10.5445% | 380 |
| Net loans and leases to total assets | 73.5627% | 1,896 |
| Net loans and leases to deposits | 82.1452% | 3,079 |
| Net loans and leases to core deposits | 87.1085% | 3,505 |
| Total domestic deposits to total assets | 89.5520% | 1,095 |
| Equity capital to assets | 8.6765% | 6,062 |
| Core capital (leverage) ratio | 8.5805% | 5,375 |
| Tier 1 risk-based capital ratio | 11.1133% | 6,265 |
| Total risk-based capital ratio | 12.3851% | 6,246 |
| Memoranda: | ||
| Average total assets | $92,467,000 | 5,271 |
| Average earning assets | $87,871,250 | 5,147 |
| Average equity | $8,389,750 | 5,660 |
| Average total loans | $71,666,000 | 4,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 2,627 |
| Cost of funding earning assets | 2.4740% | 191 |
| Net interest margin | 3.0020% | 6,819 |
| Noninterest income to average assets | 0.0418% | 7,371 |
| Noninterest expense to average assets | 4.0187% | 1,020 |
| Loan and lease loss provision to assets | 1.6805% | 755 |
| Net operating income to assets | -2.7935% | 7,476 |
| Return on assets (ROA) | -2.7209% | 7,474 |
| Pretax return on assets | -2.7209% | 7,420 |
| Return on Equity (ROE) | -29.5286% | 7,429 |
| Retained earnings to average equity (ytd only) | -29.5286% | 7,413 |
| Net charge-offs to loans | 2.1941% | 816 |
| Credit loss provision to net charge-offs | 98.0745% | 4,179 |
| Earnings coverage of net charge-offs (x) | -0.6496% | 6,059 |
| Efficiency ratio | 138.3043% | 260 |
| Assets per employee ($millions) | 4.6277% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 1,217 |
| Loan loss allowance to noncurrent loans | 23.5101% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 10.4729% | 363 |
| Noncurrent loans to loans | 10.9725% | 366 |
| Net loans and leases to total assets | 79.0369% | 947 |
| Net loans and leases to deposits | 87.1779% | 2,307 |
| Net loans and leases to core deposits | 93.8628% | 2,739 |
| Total domestic deposits to total assets | 90.6616% | 619 |
| Equity capital to assets | 9.0759% | 5,330 |
| Core capital (leverage) ratio | 8.8573% | 4,821 |
| Tier 1 risk-based capital ratio | 11.3911% | 5,876 |
| Total risk-based capital ratio | 12.6224% | 5,866 |
| Memoranda: | ||
| Average total assets | $90,926,000 | 5,357 |
| Average earning assets | $86,743,000 | 5,215 |
| Average equity | $8,378,330 | 5,670 |
| Average total loans | $71,008,000 | 4,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 1,822 |
| Cost of funding earning assets | 2.6291% | 150 |
| Net interest margin | 3.0580% | 6,696 |
| Noninterest income to average assets | 0.0089% | 7,627 |
| Noninterest expense to average assets | 4.0483% | 960 |
| Loan and lease loss provision to assets | 2.2993% | 467 |
| Net operating income to assets | -3.4268% | 7,675 |
| Return on assets (ROA) | -3.3780% | 7,670 |
| Pretax return on assets | -3.3780% | 7,629 |
| Return on Equity (ROE) | -36.3788% | 7,627 |
| Retained earnings to average equity (ytd only) | -36.3788% | 7,609 |
| Net charge-offs to loans | 4.0541% | 322 |
| Credit loss provision to net charge-offs | 74.1059% | 4,009 |
| Earnings coverage of net charge-offs (x) | -0.3634% | 5,236 |
| Efficiency ratio | 138.6018% | 266 |
| Assets per employee ($millions) | 4.4436% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4881% | 1,310 |
| Loan loss allowance to noncurrent loans | 19.0635% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 11.3947% | 306 |
| Noncurrent loans to loans | 13.0516% | 251 |
| Net loans and leases to total assets | 74.3803% | 1,891 |
| Net loans and leases to deposits | 82.2360% | 3,246 |
| Net loans and leases to core deposits | 88.8059% | 3,519 |
| Total domestic deposits to total assets | 90.4474% | 764 |
| Equity capital to assets | 9.2686% | 4,883 |
| Core capital (leverage) ratio | 9.7362% | 3,469 |
| Tier 1 risk-based capital ratio | 12.3717% | 4,854 |
| Total risk-based capital ratio | 13.6230% | 4,808 |
| Memoranda: | ||
| Average total assets | $90,112,500 | 5,448 |
| Average earning assets | $85,808,500 | 5,310 |
| Average equity | $8,367,500 | 5,723 |
| Average total loans | $68,968,000 | 4,899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1130% | 1,482 |
| Cost of funding earning assets | 3.4257% | 59 |
| Net interest margin | 2.6873% | 7,224 |
| Noninterest income to average assets | -0.1697% | 7,843 |
| Noninterest expense to average assets | 4.0638% | 1,283 |
| Loan and lease loss provision to assets | 1.6705% | 1,373 |
| Net operating income to assets | -3.3650% | 7,477 |
| Return on assets (ROA) | -3.3436% | 7,471 |
| Pretax return on assets | -3.3436% | 7,382 |
| Return on Equity (ROE) | -37.0949% | 7,527 |
| Retained earnings to average equity (ytd only) | -37.0949% | 7,514 |
| Net charge-offs to loans | 0.3660% | 4,391 |
| Credit loss provision to net charge-offs | 538.0567% | 561 |
| Earnings coverage of net charge-offs (x) | -5.4575% | 7,117 |
| Efficiency ratio | 171.5119% | 217 |
| Assets per employee ($millions) | 4.8283% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9240% | 829 |
| Loan loss allowance to noncurrent loans | 23.1143% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 11.1805% | 291 |
| Noncurrent loans to loans | 12.6504% | 256 |
| Net loans and leases to total assets | 74.5656% | 2,129 |
| Net loans and leases to deposits | 82.4900% | 3,550 |
| Net loans and leases to core deposits | 110.5340% | 2,840 |
| Total domestic deposits to total assets | 90.3935% | 783 |
| Equity capital to assets | 9.3039% | 4,697 |
| Core capital (leverage) ratio | 9.1571% | 4,187 |
| Tier 1 risk-based capital ratio | 13.2782% | 3,962 |
| Total risk-based capital ratio | 14.4927% | 3,931 |
| Memoranda: | ||
| Average total assets | $79,555,200 | 5,741 |
| Average earning assets | $75,167,600 | 5,631 |
| Average equity | $7,170,800 | 6,210 |
| Average total loans | $67,478,000 | 4,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2079% | 1,357 |
| Cost of funding earning assets | 3.5364% | 59 |
| Net interest margin | 2.6714% | 7,262 |
| Noninterest income to average assets | -0.0137% | 7,869 |
| Noninterest expense to average assets | 4.0196% | 1,251 |
| Loan and lease loss provision to assets | 0.9419% | 2,043 |
| Net operating income to assets | -2.4584% | 7,460 |
| Return on assets (ROA) | -2.4482% | 7,449 |
| Pretax return on assets | -2.4482% | 7,327 |
| Return on Equity (ROE) | -27.4074% | 7,556 |
| Retained earnings to average equity (ytd only) | -27.4074% | 7,540 |
| Net charge-offs to loans | 0.4276% | 3,545 |
| Credit loss provision to net charge-offs | 252.9954% | 1,693 |
| Earnings coverage of net charge-offs (x) | -4.0737% | 6,831 |
| Efficiency ratio | 160.5894% | 269 |
| Assets per employee ($millions) | 4.5293% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 2,484 |
| Loan loss allowance to noncurrent loans | 14.8486% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 10.8335% | 289 |
| Noncurrent loans to loans | 11.7095% | 289 |
| Net loans and leases to total assets | 76.9664% | 1,792 |
| Net loans and leases to deposits | 86.7098% | 3,185 |
| Net loans and leases to core deposits | 117.9377% | 2,422 |
| Total domestic deposits to total assets | 88.7633% | 1,306 |
| Equity capital to assets | 10.9404% | 3,070 |
| Core capital (leverage) ratio | 11.8001% | 1,903 |
| Tier 1 risk-based capital ratio | 15.3366% | 2,901 |
| Total risk-based capital ratio | 16.5936% | 2,834 |
| Memoranda: | ||
| Average total assets | $77,716,500 | 5,829 |
| Average earning assets | $73,217,000 | 5,745 |
| Average equity | $6,942,000 | 6,335 |
| Average total loans | $67,658,250 | 4,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3872% | 1,033 |
| Cost of funding earning assets | 3.7613% | 44 |
| Net interest margin | 2.6258% | 7,326 |
| Noninterest income to average assets | 0.0133% | 7,901 |
| Noninterest expense to average assets | 4.2223% | 1,046 |
| Loan and lease loss provision to assets | 1.1717% | 1,470 |
| Net operating income to assets | -2.9118% | 7,656 |
| Return on assets (ROA) | -2.8958% | 7,651 |
| Pretax return on assets | -2.8958% | 7,544 |
| Return on Equity (ROE) | -35.4710% | 7,792 |
| Retained earnings to average equity (ytd only) | -35.4710% | 7,775 |
| Net charge-offs to loans | 0.5314% | 2,734 |
| Credit loss provision to net charge-offs | 243.8889% | 1,905 |
| Earnings coverage of net charge-offs (x) | -3.6222% | 6,428 |
| Efficiency ratio | 170.1075% | 287 |
| Assets per employee ($millions) | 3.7305% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 2,645 |
| Loan loss allowance to noncurrent loans | 15.4811% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 10.9853% | 231 |
| Noncurrent loans to loans | 10.4798% | 319 |
| Net loans and leases to total assets | 85.0653% | 498 |
| Net loans and leases to deposits | 92.9455% | 2,286 |
| Net loans and leases to core deposits | 126.5231% | 1,819 |
| Total domestic deposits to total assets | 91.5217% | 320 |
| Equity capital to assets | 8.1477% | 6,562 |
| Core capital (leverage) ratio | 8.4824% | 5,479 |
| Tier 1 risk-based capital ratio | 10.2825% | 6,616 |
| Total risk-based capital ratio | 11.5489% | 6,529 |
| Memoranda: | ||
| Average total assets | $74,936,330 | 5,948 |
| Average earning assets | $70,453,670 | 5,870 |
| Average equity | $6,117,670 | 6,679 |
| Average total loans | $67,742,000 | 5,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4747% | 913 |
| Cost of funding earning assets | 3.9190% | 36 |
| Net interest margin | 2.5556% | 7,431 |
| Noninterest income to average assets | 0.1311% | 7,354 |
| Noninterest expense to average assets | 4.2385% | 901 |
| Loan and lease loss provision to assets | 1.8134% | 680 |
| Net operating income to assets | -3.4738% | 7,921 |
| Return on assets (ROA) | -3.4465% | 7,911 |
| Pretax return on assets | -3.4465% | 7,829 |
| Return on Equity (ROE) | -42.1721% | 8,008 |
| Retained earnings to average equity (ytd only) | -42.1721% | 7,988 |
| Net charge-offs to loans | 0.3897% | 2,538 |
| Credit loss provision to net charge-offs | 503.0303% | 1,069 |
| Earnings coverage of net charge-offs (x) | -4.6061% | 5,560 |
| Efficiency ratio | 164.4068% | 289 |
| Assets per employee ($millions) | 3.3673% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 2,456 |
| Loan loss allowance to noncurrent loans | 15.3868% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 11.4226% | 162 |
| Noncurrent loans to loans | 10.5071% | 256 |
| Net loans and leases to total assets | 90.8533% | 107 |
| Net loans and leases to deposits | 99.2231% | 1,508 |
| Net loans and leases to core deposits | 141.4327% | 1,043 |
| Total domestic deposits to total assets | 91.5646% | 263 |
| Equity capital to assets | 7.7105% | 7,166 |
| Core capital (leverage) ratio | 7.6242% | 6,993 |
| Tier 1 risk-based capital ratio | 8.9846% | 7,798 |
| Total risk-based capital ratio | 10.2397% | 7,826 |
| Memoranda: | ||
| Average total assets | $73,234,000 | 6,021 |
| Average earning assets | $70,119,500 | 5,910 |
| Average equity | $5,985,000 | 6,769 |
| Average total loans | $67,743,000 | 5,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7466% | 1,881 |
| Cost of funding earning assets | 4.3904% | 25 |
| Net interest margin | 2.3562% | 7,884 |
| Noninterest income to average assets | 0.0820% | 7,732 |
| Noninterest expense to average assets | 4.6214% | 802 |
| Loan and lease loss provision to assets | 0.4778% | 2,914 |
| Net operating income to assets | -2.7634% | 7,771 |
| Return on assets (ROA) | -2.7101% | 7,737 |
| Pretax return on assets | -2.7101% | 7,644 |
| Return on Equity (ROE) | -32.0587% | 7,991 |
| Retained earnings to average equity (ytd only) | -32.0587% | 7,947 |
| Net charge-offs to loans | 0.0149% | 6,682 |
| Credit loss provision to net charge-offs | 3,688.8889% | 137 |
| Earnings coverage of net charge-offs (x) | -176.4444% | 7,016 |
| Efficiency ratio | 197.8435% | 205 |
| Assets per employee ($millions) | 3.2903% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,112 |
| Loan loss allowance to noncurrent loans | 11.4660% | 7,485 |
| Noncurrent assets plus other real estate owned to assets | 10.2670% | 147 |
| Noncurrent loans to loans | 10.9221% | 173 |
| Net loans and leases to total assets | 91.5012% | 100 |
| Net loans and leases to deposits | 102.7074% | 1,505 |
| Net loans and leases to core deposits | 153.0313% | 747 |
| Total domestic deposits to total assets | 89.0892% | 1,008 |
| Equity capital to assets | 8.6452% | 5,875 |
| Core capital (leverage) ratio | 8.7201% | 5,161 |
| Tier 1 risk-based capital ratio | 10.0355% | 6,696 |
| Total risk-based capital ratio | 11.2687% | 6,591 |
| Memoranda: | ||
| Average total assets | $69,480,600 | 6,053 |
| Average earning assets | $66,463,000 | 5,955 |
| Average equity | $5,873,600 | 6,846 |
| Average total loans | $60,318,800 | 5,249 |