Home > First Security Trust Bank, Inc. > Performance and Condition Ratios
First Security Trust Bank, Inc., 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 | 3.9547% | 3,875 |
| Cost of funding earning assets | 0.2518% | 5,561 |
| Net interest margin | 3.7030% | 2,857 |
| Noninterest income to average assets | 0.3332% | 4,707 |
| Noninterest expense to average assets | 3.8683% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1256% | 6,301 |
| Return on assets (ROA) | -0.1014% | 6,295 |
| Pretax return on assets | -0.1014% | 6,287 |
| Return on Equity (ROE) | -1.0475% | 6,304 |
| Retained earnings to average equity (ytd only) | -1.0475% | 5,735 |
| Net charge-offs to loans | -0.8979% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3548% | 393 |
| Assets per employee ($millions) | 4.3310% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4173% | 892 |
| Loan loss allowance to noncurrent loans | 110.6305% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.7063% | 1,129 |
| Noncurrent loans to loans | 2.1850% | 1,668 |
| Net loans and leases to total assets | 74.0281% | 1,260 |
| Net loans and leases to deposits | 86.0385% | 1,605 |
| Net loans and leases to core deposits | 87.3199% | 2,162 |
| Total domestic deposits to total assets | 86.0407% | 3,345 |
| Equity capital to assets | 9.7838% | 4,128 |
| Core capital (leverage) ratio | 9.9116% | 3,692 |
| Tier 1 risk-based capital ratio | 12.8473% | 5,094 |
| Total risk-based capital ratio | 14.1118% | 5,028 |
| Memoranda: | ||
| Average total assets | $82,826,500 | 5,136 |
| Average earning assets | $76,263,000 | 5,107 |
| Average equity | $8,019,000 | 5,284 |
| Average total loans | $63,703,500 | 4,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 4,762 |
| Cost of funding earning assets | 0.3032% | 5,563 |
| Net interest margin | 3.5119% | 3,844 |
| Noninterest income to average assets | 0.8878% | 1,724 |
| Noninterest expense to average assets | 4.6613% | 458 |
| Loan and lease loss provision to assets | 0.3131% | 1,062 |
| Net operating income to assets | -0.8486% | 6,577 |
| Return on assets (ROA) | -0.8486% | 6,577 |
| Pretax return on assets | -0.8486% | 6,567 |
| Return on Equity (ROE) | -8.9659% | 6,573 |
| Retained earnings to average equity (ytd only) | -8.9659% | 6,516 |
| Net charge-offs to loans | 0.5372% | 1,233 |
| Credit loss provision to net charge-offs | 79.5455% | 3,059 |
| Earnings coverage of net charge-offs (x) | -1.3608% | 5,289 |
| Efficiency ratio | 112.9810% | 235 |
| Assets per employee ($millions) | 4.6313% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,328 |
| Loan loss allowance to noncurrent loans | 85.5354% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.8549% | 1,131 |
| Noncurrent loans to loans | 2.4576% | 1,550 |
| Net loans and leases to total assets | 76.3099% | 1,031 |
| Net loans and leases to deposits | 89.1291% | 1,328 |
| Net loans and leases to core deposits | 90.4457% | 1,971 |
| Total domestic deposits to total assets | 85.6173% | 3,449 |
| Equity capital to assets | 9.5809% | 4,311 |
| Core capital (leverage) ratio | 9.9154% | 3,682 |
| Tier 1 risk-based capital ratio | 12.6159% | 5,220 |
| Total risk-based capital ratio | 13.8759% | 5,161 |
| Memoranda: | ||
| Average total assets | $89,438,400 | 4,994 |
| Average earning assets | $82,462,400 | 4,969 |
| Average equity | $8,465,400 | 5,221 |
| Average total loans | $65,530,600 | 4,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 5,019 |
| Cost of funding earning assets | 0.3148% | 5,599 |
| Net interest margin | 3.4392% | 4,123 |
| Noninterest income to average assets | 1.1170% | 1,174 |
| Noninterest expense to average assets | 4.7875% | 401 |
| Loan and lease loss provision to assets | 0.3958% | 772 |
| Net operating income to assets | -0.8956% | 6,692 |
| Return on assets (ROA) | -0.8956% | 6,697 |
| Pretax return on assets | -0.8956% | 6,680 |
| Return on Equity (ROE) | -9.4892% | 6,680 |
| Retained earnings to average equity (ytd only) | -9.4892% | 6,627 |
| Net charge-offs to loans | 0.7086% | 845 |
| Credit loss provision to net charge-offs | 77.3639% | 2,910 |
| Earnings coverage of net charge-offs (x) | -0.9771% | 5,009 |
| Efficiency ratio | 111.6581% | 244 |
| Assets per employee ($millions) | 4.7766% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,345 |
| Loan loss allowance to noncurrent loans | 79.1036% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 3.2589% | 1,085 |
| Noncurrent loans to loans | 2.7690% | 1,512 |
| Net loans and leases to total assets | 70.5800% | 1,855 |
| Net loans and leases to deposits | 83.0776% | 1,990 |
| Net loans and leases to core deposits | 84.3150% | 2,618 |
| Total domestic deposits to total assets | 84.9568% | 3,772 |
| Equity capital to assets | 9.5128% | 4,541 |
| Core capital (leverage) ratio | 9.5855% | 4,276 |
| Tier 1 risk-based capital ratio | 12.7819% | 5,268 |
| Total risk-based capital ratio | 14.0425% | 5,197 |
| Memoranda: | ||
| Average total assets | $90,957,000 | 5,006 |
| Average earning assets | $83,854,250 | 4,979 |
| Average equity | $8,585,000 | 5,241 |
| Average total loans | $65,668,000 | 4,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 5,011 |
| Cost of funding earning assets | 0.3327% | 5,543 |
| Net interest margin | 3.4109% | 4,157 |
| Noninterest income to average assets | 1.2417% | 1,012 |
| Noninterest expense to average assets | 4.8372% | 402 |
| Loan and lease loss provision to assets | 0.4751% | 593 |
| Net operating income to assets | -0.9264% | 6,737 |
| Return on assets (ROA) | -0.9264% | 6,745 |
| Pretax return on assets | -0.9264% | 6,725 |
| Return on Equity (ROE) | -9.8391% | 6,739 |
| Retained earnings to average equity (ytd only) | -9.8391% | 6,661 |
| Net charge-offs to loans | 0.9361% | 661 |
| Credit loss provision to net charge-offs | 70.2875% | 2,817 |
| Earnings coverage of net charge-offs (x) | -0.6677% | 4,682 |
| Efficiency ratio | 110.2905% | 272 |
| Assets per employee ($millions) | 4.6732% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,617 |
| Loan loss allowance to noncurrent loans | 36.8897% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 5.3249% | 555 |
| Noncurrent loans to loans | 5.7163% | 525 |
| Net loans and leases to total assets | 70.3210% | 1,829 |
| Net loans and leases to deposits | 78.6749% | 2,499 |
| Net loans and leases to core deposits | 80.0077% | 3,020 |
| Total domestic deposits to total assets | 89.3817% | 1,395 |
| Equity capital to assets | 9.3670% | 4,761 |
| Core capital (leverage) ratio | 9.3723% | 4,426 |
| Tier 1 risk-based capital ratio | 12.6842% | 5,364 |
| Total risk-based capital ratio | 13.9427% | 5,300 |
| Memoranda: | ||
| Average total assets | $92,616,330 | 4,995 |
| Average earning assets | $85,374,330 | 4,972 |
| Average equity | $8,720,330 | 5,239 |
| Average total loans | $66,876,330 | 4,432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 4,913 |
| Cost of funding earning assets | 0.3454% | 5,587 |
| Net interest margin | 3.4266% | 4,024 |
| Noninterest income to average assets | 1.5530% | 638 |
| Noninterest expense to average assets | 4.9424% | 387 |
| Loan and lease loss provision to assets | 0.6770% | 348 |
| Net operating income to assets | -0.9182% | 6,789 |
| Return on assets (ROA) | -0.9182% | 6,801 |
| Pretax return on assets | -0.9182% | 6,783 |
| Return on Equity (ROE) | -9.7288% | 6,800 |
| Retained earnings to average equity (ytd only) | -9.7288% | 6,603 |
| Net charge-offs to loans | 1.1458% | 517 |
| Credit loss provision to net charge-offs | 81.6327% | 2,139 |
| Earnings coverage of net charge-offs (x) | -0.2908% | 3,891 |
| Efficiency ratio | 105.1305% | 414 |
| Assets per employee ($millions) | 3.8597% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 1,650 |
| Loan loss allowance to noncurrent loans | 41.4303% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 4.8665% | 755 |
| Noncurrent loans to loans | 5.2299% | 722 |
| Net loans and leases to total assets | 68.3374% | 1,951 |
| Net loans and leases to deposits | 76.9679% | 2,491 |
| Net loans and leases to core deposits | 78.4764% | 2,995 |
| Total domestic deposits to total assets | 88.7869% | 1,808 |
| Equity capital to assets | 9.4912% | 4,860 |
| Core capital (leverage) ratio | 9.2808% | 4,433 |
| Tier 1 risk-based capital ratio | 12.7270% | 5,418 |
| Total risk-based capital ratio | 13.9866% | 5,359 |
| Memoranda: | ||
| Average total assets | $94,529,500 | 4,989 |
| Average earning assets | $86,851,000 | 4,963 |
| Average equity | $8,922,000 | 5,236 |
| Average total loans | $68,423,000 | 4,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 3,923 |
| Cost of funding earning assets | 0.6053% | 4,292 |
| Net interest margin | 3.7704% | 3,359 |
| Noninterest income to average assets | 0.0811% | 6,579 |
| Noninterest expense to average assets | 3.9885% | 988 |
| Loan and lease loss provision to assets | 0.9146% | 488 |
| Net operating income to assets | -1.3861% | 6,837 |
| Return on assets (ROA) | -1.2277% | 6,818 |
| Pretax return on assets | -1.2277% | 6,790 |
| Return on Equity (ROE) | -13.4185% | 6,801 |
| Retained earnings to average equity (ytd only) | -13.4185% | 6,742 |
| Net charge-offs to loans | 1.9828% | 366 |
| Credit loss provision to net charge-offs | 59.8765% | 4,451 |
| Earnings coverage of net charge-offs (x) | -0.3086% | 5,617 |
| Efficiency ratio | 113.4048% | 287 |
| Assets per employee ($millions) | 4.1924% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 2,031 |
| Loan loss allowance to noncurrent loans | 63.5721% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 5.4135% | 693 |
| Noncurrent loans to loans | 3.1355% | 1,647 |
| Net loans and leases to total assets | 73.3236% | 1,284 |
| Net loans and leases to deposits | 82.2999% | 1,959 |
| Net loans and leases to core deposits | 84.0912% | 2,535 |
| Total domestic deposits to total assets | 89.0932% | 1,500 |
| Equity capital to assets | 9.3875% | 5,018 |
| Core capital (leverage) ratio | 9.2879% | 4,437 |
| Tier 1 risk-based capital ratio | 11.9658% | 5,814 |
| Total risk-based capital ratio | 13.2238% | 5,759 |
| Memoranda: | ||
| Average total assets | $106,053,600 | 4,681 |
| Average earning assets | $96,646,600 | 4,674 |
| Average equity | $9,703,000 | 5,050 |
| Average total loans | $81,703,800 | 3,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 3,995 |
| Cost of funding earning assets | 0.6619% | 4,085 |
| Net interest margin | 3.7516% | 3,542 |
| Noninterest income to average assets | 0.5593% | 3,546 |
| Noninterest expense to average assets | 4.0456% | 882 |
| Loan and lease loss provision to assets | 1.0633% | 371 |
| Net operating income to assets | -1.1285% | 6,896 |
| Return on assets (ROA) | -0.9220% | 6,867 |
| Pretax return on assets | -0.9220% | 6,842 |
| Return on Equity (ROE) | -10.1359% | 6,865 |
| Retained earnings to average equity (ytd only) | -10.1359% | 6,820 |
| Net charge-offs to loans | 1.8566% | 414 |
| Credit loss provision to net charge-offs | 73.8685% | 3,798 |
| Earnings coverage of net charge-offs (x) | -0.0453% | 5,350 |
| Efficiency ratio | 101.6368% | 495 |
| Assets per employee ($millions) | 4.4925% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 1,673 |
| Loan loss allowance to noncurrent loans | 52.0444% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 6.1291% | 642 |
| Noncurrent loans to loans | 4.2632% | 1,147 |
| Net loans and leases to total assets | 76.0043% | 976 |
| Net loans and leases to deposits | 87.9193% | 1,364 |
| Net loans and leases to core deposits | 92.2398% | 1,759 |
| Total domestic deposits to total assets | 86.4479% | 3,014 |
| Equity capital to assets | 9.3112% | 5,452 |
| Core capital (leverage) ratio | 9.2122% | 4,741 |
| Tier 1 risk-based capital ratio | 11.4836% | 6,237 |
| Total risk-based capital ratio | 12.7418% | 6,200 |
| Memoranda: | ||
| Average total assets | $108,460,500 | 4,676 |
| Average earning assets | $98,905,250 | 4,666 |
| Average equity | $9,865,750 | 5,055 |
| Average total loans | $84,094,500 | 3,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 4,145 |
| Cost of funding earning assets | 0.7560% | 3,556 |
| Net interest margin | 3.6539% | 4,015 |
| Noninterest income to average assets | 0.4193% | 4,509 |
| Noninterest expense to average assets | 3.8885% | 1,091 |
| Loan and lease loss provision to assets | 1.3778% | 276 |
| Net operating income to assets | -1.4868% | 7,016 |
| Return on assets (ROA) | -1.3960% | 7,016 |
| Pretax return on assets | -1.3960% | 6,989 |
| Return on Equity (ROE) | -15.4614% | 6,979 |
| Retained earnings to average equity (ytd only) | -15.4614% | 6,943 |
| Net charge-offs to loans | 2.5072% | 281 |
| Credit loss provision to net charge-offs | 70.9346% | 3,536 |
| Earnings coverage of net charge-offs (x) | -0.0561% | 5,111 |
| Efficiency ratio | 102.8818% | 465 |
| Assets per employee ($millions) | 4.2000% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 1,839 |
| Loan loss allowance to noncurrent loans | 68.7427% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 5.5324% | 807 |
| Noncurrent loans to loans | 3.1612% | 1,846 |
| Net loans and leases to total assets | 76.1876% | 943 |
| Net loans and leases to deposits | 84.7139% | 1,757 |
| Net loans and leases to core deposits | 89.4201% | 2,039 |
| Total domestic deposits to total assets | 89.9352% | 964 |
| Equity capital to assets | 9.1381% | 5,539 |
| Core capital (leverage) ratio | 8.8937% | 5,058 |
| Tier 1 risk-based capital ratio | 11.3921% | 6,286 |
| Total risk-based capital ratio | 12.6524% | 6,251 |
| Memoranda: | ||
| Average total assets | $110,171,670 | 4,667 |
| Average earning assets | $101,316,670 | 4,639 |
| Average equity | $9,947,330 | 5,044 |
| Average total loans | $85,354,330 | 3,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 4,179 |
| Cost of funding earning assets | 0.9809% | 2,100 |
| Net interest margin | 3.4542% | 4,897 |
| Noninterest income to average assets | 0.3370% | 5,163 |
| Noninterest expense to average assets | 3.6893% | 1,394 |
| Loan and lease loss provision to assets | 1.7205% | 188 |
| Net operating income to assets | -1.8872% | 7,146 |
| Return on assets (ROA) | -1.7099% | 7,131 |
| Pretax return on assets | -1.7099% | 7,107 |
| Return on Equity (ROE) | -19.0448% | 7,101 |
| Retained earnings to average equity (ytd only) | -19.0448% | 7,035 |
| Net charge-offs to loans | 3.9245% | 148 |
| Credit loss provision to net charge-offs | 56.7251% | 3,173 |
| Earnings coverage of net charge-offs (x) | -0.0550% | 4,392 |
| Efficiency ratio | 104.7331% | 438 |
| Assets per employee ($millions) | 4.5468% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 2,258 |
| Loan loss allowance to noncurrent loans | 61.1606% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 5.8054% | 824 |
| Noncurrent loans to loans | 3.3241% | 1,916 |
| Net loans and leases to total assets | 75.8646% | 816 |
| Net loans and leases to deposits | 84.2750% | 1,632 |
| Net loans and leases to core deposits | 88.5240% | 1,995 |
| Total domestic deposits to total assets | 90.0203% | 1,074 |
| Equity capital to assets | 9.0293% | 5,447 |
| Core capital (leverage) ratio | 8.5694% | 5,480 |
| Tier 1 risk-based capital ratio | 11.2346% | 6,425 |
| Total risk-based capital ratio | 12.4925% | 6,401 |
| Memoranda: | ||
| Average total assets | $112,757,500 | 4,629 |
| Average earning assets | $103,989,500 | 4,599 |
| Average equity | $10,123,500 | 5,008 |
| Average total loans | $87,144,500 | 3,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 4,440 |
| Cost of funding earning assets | 0.8875% | 4,206 |
| Net interest margin | 3.7669% | 3,996 |
| Noninterest income to average assets | 0.2332% | 5,870 |
| Noninterest expense to average assets | 3.6336% | 1,678 |
| Loan and lease loss provision to assets | 1.1577% | 773 |
| Net operating income to assets | -1.0278% | 6,749 |
| Return on assets (ROA) | -1.1028% | 6,813 |
| Pretax return on assets | -1.1028% | 6,775 |
| Return on Equity (ROE) | -12.3654% | 6,812 |
| Retained earnings to average equity (ytd only) | -15.0791% | 6,871 |
| Net charge-offs to loans | 0.5068% | 2,964 |
| Credit loss provision to net charge-offs | 307.2805% | 756 |
| Earnings coverage of net charge-offs (x) | 0.3448% | 5,563 |
| Efficiency ratio | 96.5488% | 798 |
| Assets per employee ($millions) | 4.6557% | 2,676 |
| Cash dividends to net income (ytd only)* | -21.9459% | 7,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 1,584 |
| Loan loss allowance to noncurrent loans | 62.4215% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 4.4204% | 1,249 |
| Noncurrent loans to loans | 3.7255% | 1,689 |
| Net loans and leases to total assets | 75.3465% | 1,047 |
| Net loans and leases to deposits | 89.0371% | 1,264 |
| Net loans and leases to core deposits | 94.1774% | 1,672 |
| Total domestic deposits to total assets | 84.6236% | 4,035 |
| Equity capital to assets | 8.9301% | 5,637 |
| Core capital (leverage) ratio | 8.5664% | 5,452 |
| Tier 1 risk-based capital ratio | 11.4157% | 6,206 |
| Total risk-based capital ratio | 12.6784% | 6,194 |
| Memoranda: | ||
| Average total assets | $123,952,600 | 4,294 |
| Average earning assets | $116,171,000 | 4,231 |
| Average equity | $11,055,000 | 4,767 |
| Average total loans | $92,137,800 | 3,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 4,012 |
| Cost of funding earning assets | 0.9352% | 4,161 |
| Net interest margin | 3.8672% | 3,535 |
| Noninterest income to average assets | 0.2628% | 5,740 |
| Noninterest expense to average assets | 3.7814% | 1,336 |
| Loan and lease loss provision to assets | 1.2555% | 608 |
| Net operating income to assets | -1.1464% | 6,936 |
| Return on assets (ROA) | -1.2449% | 6,992 |
| Pretax return on assets | -1.2449% | 6,954 |
| Return on Equity (ROE) | -13.9625% | 6,993 |
| Retained earnings to average equity (ytd only) | -17.5274% | 7,043 |
| Net charge-offs to loans | 0.1539% | 4,536 |
| Credit loss provision to net charge-offs | 1,107.4766% | 242 |
| Earnings coverage of net charge-offs (x) | 0.9626% | 4,903 |
| Efficiency ratio | 97.1950% | 763 |
| Assets per employee ($millions) | 5.0836% | 2,087 |
| Cash dividends to net income (ytd only)* | -25.5319% | 7,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 1,612 |
| Loan loss allowance to noncurrent loans | 102.5665% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.8933% | 2,235 |
| Noncurrent loans to loans | 2.2959% | 3,001 |
| Net loans and leases to total assets | 74.7015% | 1,195 |
| Net loans and leases to deposits | 87.9451% | 1,441 |
| Net loans and leases to core deposits | 96.4700% | 1,560 |
| Total domestic deposits to total assets | 84.9410% | 3,794 |
| Equity capital to assets | 8.6528% | 6,139 |
| Core capital (leverage) ratio | 8.2759% | 6,010 |
| Tier 1 risk-based capital ratio | 11.2382% | 6,409 |
| Total risk-based capital ratio | 12.5013% | 6,376 |
| Memoranda: | ||
| Average total assets | $125,842,500 | 4,278 |
| Average earning assets | $118,049,750 | 4,203 |
| Average equity | $11,220,250 | 4,755 |
| Average total loans | $92,725,750 | 3,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 4,113 |
| Cost of funding earning assets | 0.9611% | 4,243 |
| Net interest margin | 3.8344% | 3,626 |
| Noninterest income to average assets | 0.2690% | 5,717 |
| Noninterest expense to average assets | 3.3055% | 2,539 |
| Loan and lease loss provision to assets | 0.2360% | 3,551 |
| Net operating income to assets | 0.3241% | 5,273 |
| Return on assets (ROA) | 0.0488% | 6,205 |
| Pretax return on assets | 0.0488% | 6,187 |
| Return on Equity (ROE) | 0.5419% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.5419% | 5,638 |
| Net charge-offs to loans | 0.1081% | 4,609 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 7.1200% | 2,267 |
| Efficiency ratio | 85.5108% | 1,648 |
| Assets per employee ($millions) | 5.2940% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 5,034 |
| Loan loss allowance to noncurrent loans | 76.6813% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.6889% | 2,487 |
| Noncurrent loans to loans | 1.7027% | 3,881 |
| Net loans and leases to total assets | 75.7379% | 1,116 |
| Net loans and leases to deposits | 89.7815% | 1,302 |
| Net loans and leases to core deposits | 106.3055% | 911 |
| Total domestic deposits to total assets | 84.3580% | 4,187 |
| Equity capital to assets | 9.7477% | 4,466 |
| Core capital (leverage) ratio | 9.6650% | 3,714 |
| Tier 1 risk-based capital ratio | 12.3367% | 5,488 |
| Total risk-based capital ratio | 13.5934% | 5,461 |
| Memoranda: | ||
| Average total assets | $127,121,000 | 4,282 |
| Average earning assets | $119,235,670 | 4,202 |
| Average equity | $11,441,330 | 4,701 |
| Average total loans | $92,521,330 | 3,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 4,460 |
| Cost of funding earning assets | 0.9782% | 4,365 |
| Net interest margin | 3.7356% | 3,917 |
| Noninterest income to average assets | 0.2435% | 5,952 |
| Noninterest expense to average assets | 3.2881% | 2,601 |
| Loan and lease loss provision to assets | 0.2311% | 3,340 |
| Net operating income to assets | 0.2311% | 5,678 |
| Return on assets (ROA) | -0.2866% | 6,663 |
| Pretax return on assets | -0.2866% | 6,611 |
| Return on Equity (ROE) | -3.3133% | 6,691 |
| Retained earnings to average equity (ytd only) | -3.3133% | 6,335 |
| Net charge-offs to loans | 0.0652% | 4,275 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,669 |
| Efficiency ratio | 87.6746% | 1,553 |
| Assets per employee ($millions) | 4.8425% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 5,173 |
| Loan loss allowance to noncurrent loans | 67.6606% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 2,581 |
| Noncurrent loans to loans | 1.9093% | 3,689 |
| Net loans and leases to total assets | 71.6098% | 1,794 |
| Net loans and leases to deposits | 83.7235% | 2,078 |
| Net loans and leases to core deposits | 98.3925% | 1,483 |
| Total domestic deposits to total assets | 85.5313% | 3,768 |
| Equity capital to assets | 8.8876% | 5,368 |
| Core capital (leverage) ratio | 9.2061% | 4,278 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,217 |
| Total risk-based capital ratio | 13.8000% | 5,197 |
| Memoranda: | ||
| Average total assets | $129,800,500 | 4,266 |
| Average earning assets | $121,853,500 | 4,179 |
| Average equity | $11,227,500 | 4,740 |
| Average total loans | $92,062,000 | 3,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 4,769 |
| Cost of funding earning assets | 1.5054% | 2,606 |
| Net interest margin | 3.4492% | 5,436 |
| Noninterest income to average assets | 0.5983% | 3,490 |
| Noninterest expense to average assets | 3.2971% | 2,747 |
| Loan and lease loss provision to assets | 0.5249% | 3,050 |
| Net operating income to assets | -0.0170% | 5,873 |
| Return on assets (ROA) | 0.2833% | 5,157 |
| Pretax return on assets | 0.2833% | 5,280 |
| Return on Equity (ROE) | 3.0633% | 4,931 |
| Retained earnings to average equity (ytd only) | 0.5592% | 5,298 |
| Net charge-offs to loans | 0.6199% | 3,180 |
| Credit loss provision to net charge-offs | 115.4499% | 3,744 |
| Earnings coverage of net charge-offs (x) | 1.1171% | 4,991 |
| Efficiency ratio | 86.6504% | 1,606 |
| Assets per employee ($millions) | 5.1421% | 1,954 |
| Cash dividends to net income (ytd only)* | 81.7439% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 5,475 |
| Loan loss allowance to noncurrent loans | 59.4480% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.6927% | 2,590 |
| Noncurrent loans to loans | 2.0305% | 3,517 |
| Net loans and leases to total assets | 68.5613% | 2,849 |
| Net loans and leases to deposits | 82.5830% | 2,700 |
| Net loans and leases to core deposits | 96.5321% | 1,938 |
| Total domestic deposits to total assets | 83.0211% | 4,790 |
| Equity capital to assets | 8.4259% | 5,956 |
| Core capital (leverage) ratio | 8.9872% | 4,574 |
| Tier 1 risk-based capital ratio | 12.4003% | 5,109 |
| Total risk-based capital ratio | 13.5629% | 5,164 |
| Memoranda: | ||
| Average total assets | $129,539,600 | 4,284 |
| Average earning assets | $120,435,200 | 4,217 |
| Average equity | $11,980,400 | 4,613 |
| Average total loans | $95,021,800 | 3,923 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 4,729 |
| Cost of funding earning assets | 1.6091% | 2,336 |
| Net interest margin | 3.4085% | 5,640 |
| Noninterest income to average assets | 0.6724% | 2,998 |
| Noninterest expense to average assets | 3.2590% | 2,713 |
| Loan and lease loss provision to assets | 0.5810% | 2,606 |
| Net operating income to assets | -0.0073% | 6,011 |
| Return on assets (ROA) | 0.3818% | 5,015 |
| Pretax return on assets | 0.3818% | 5,274 |
| Return on Equity (ROE) | 4.0352% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,504 |
| Net charge-offs to loans | 0.4631% | 3,436 |
| Credit loss provision to net charge-offs | 168.6747% | 2,209 |
| Earnings coverage of net charge-offs (x) | 1.6656% | 4,457 |
| Efficiency ratio | 85.0298% | 1,727 |
| Assets per employee ($millions) | 5.2879% | 1,836 |
| Cash dividends to net income (ytd only)* | 81.5225% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,904 |
| Loan loss allowance to noncurrent loans | 56.3677% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.7179% | 2,664 |
| Noncurrent loans to loans | 2.3236% | 3,313 |
| Net loans and leases to total assets | 71.6476% | 2,329 |
| Net loans and leases to deposits | 85.0524% | 2,511 |
| Net loans and leases to core deposits | 101.6157% | 1,695 |
| Total domestic deposits to total assets | 84.2394% | 3,985 |
| Equity capital to assets | 9.2952% | 5,151 |
| Core capital (leverage) ratio | 9.1843% | 4,397 |
| Tier 1 risk-based capital ratio | 11.9515% | 5,506 |
| Total risk-based capital ratio | 13.2031% | 5,476 |
| Memoranda: | ||
| Average total assets | $128,500,750 | 4,364 |
| Average earning assets | $119,151,500 | 4,305 |
| Average equity | $12,159,250 | 4,635 |
| Average total loans | $95,581,500 | 3,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 4,356 |
| Cost of funding earning assets | 1.6662% | 2,310 |
| Net interest margin | 3.4517% | 5,436 |
| Noninterest income to average assets | 0.5359% | 3,827 |
| Noninterest expense to average assets | 3.2420% | 2,756 |
| Loan and lease loss provision to assets | 0.2357% | 4,558 |
| Net operating income to assets | 0.2420% | 5,401 |
| Return on assets (ROA) | 0.3787% | 5,018 |
| Pretax return on assets | 0.3787% | 5,281 |
| Return on Equity (ROE) | 3.9781% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.9781% | 3,547 |
| Net charge-offs to loans | 0.3604% | 3,551 |
| Credit loss provision to net charge-offs | 87.2093% | 4,513 |
| Earnings coverage of net charge-offs (x) | 1.7674% | 4,195 |
| Efficiency ratio | 87.1567% | 1,590 |
| Assets per employee ($millions) | 5.0662% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 6,104 |
| Loan loss allowance to noncurrent loans | 44.3027% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,705 |
| Noncurrent loans to loans | 2.4048% | 3,248 |
| Net loans and leases to total assets | 73.8326% | 1,942 |
| Net loans and leases to deposits | 88.2680% | 2,131 |
| Net loans and leases to core deposits | 106.7257% | 1,387 |
| Total domestic deposits to total assets | 83.6460% | 4,267 |
| Equity capital to assets | 9.8394% | 4,216 |
| Core capital (leverage) ratio | 9.3887% | 3,978 |
| Tier 1 risk-based capital ratio | 12.2058% | 5,122 |
| Total risk-based capital ratio | 13.2199% | 5,303 |
| Memoranda: | ||
| Average total assets | $127,268,670 | 4,418 |
| Average earning assets | $117,392,000 | 4,389 |
| Average equity | $12,116,330 | 4,648 |
| Average total loans | $95,451,000 | 4,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 4,516 |
| Cost of funding earning assets | 1.6395% | 2,713 |
| Net interest margin | 3.4627% | 5,324 |
| Noninterest income to average assets | 0.4515% | 4,454 |
| Noninterest expense to average assets | 3.2169% | 2,792 |
| Loan and lease loss provision to assets | 0.2352% | 4,160 |
| Net operating income to assets | 0.2508% | 5,491 |
| Return on assets (ROA) | 0.2508% | 5,613 |
| Pretax return on assets | 0.2508% | 5,744 |
| Return on Equity (ROE) | 2.6793% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.6793% | 4,537 |
| Net charge-offs to loans | 0.4504% | 2,697 |
| Credit loss provision to net charge-offs | 69.4444% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.4352% | 3,886 |
| Efficiency ratio | 86.8755% | 1,700 |
| Assets per employee ($millions) | 5.1882% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 6,232 |
| Loan loss allowance to noncurrent loans | 143.5159% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 4,214 |
| Noncurrent loans to loans | 0.7316% | 5,857 |
| Net loans and leases to total assets | 72.3696% | 2,363 |
| Net loans and leases to deposits | 85.8621% | 2,613 |
| Net loans and leases to core deposits | 105.3928% | 1,631 |
| Total domestic deposits to total assets | 84.2859% | 4,000 |
| Equity capital to assets | 9.2548% | 4,908 |
| Core capital (leverage) ratio | 9.3450% | 3,981 |
| Tier 1 risk-based capital ratio | 11.8682% | 5,328 |
| Total risk-based capital ratio | 12.8567% | 5,542 |
| Memoranda: | ||
| Average total assets | $127,576,000 | 4,466 |
| Average earning assets | $119,789,500 | 4,380 |
| Average equity | $11,943,500 | 4,727 |
| Average total loans | $95,917,000 | 4,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 2,775 |
| Cost of funding earning assets | 2.0525% | 2,710 |
| Net interest margin | 3.7191% | 4,049 |
| Noninterest income to average assets | 0.5488% | 4,033 |
| Noninterest expense to average assets | 3.6482% | 2,036 |
| Loan and lease loss provision to assets | 0.1984% | 5,753 |
| Net operating income to assets | 0.1689% | 4,998 |
| Return on assets (ROA) | 0.1866% | 5,012 |
| Pretax return on assets | 0.1866% | 5,036 |
| Return on Equity (ROE) | 2.0159% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.0159% | 3,693 |
| Net charge-offs to loans | 0.2258% | 5,208 |
| Credit loss provision to net charge-offs | 104.9107% | 5,273 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 4,265 |
| Efficiency ratio | 90.8537% | 1,646 |
| Assets per employee ($millions) | 4.8249% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,081 |
| Loan loss allowance to noncurrent loans | 96.8927% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 3,804 |
| Noncurrent loans to loans | 1.0952% | 5,134 |
| Net loans and leases to total assets | 76.4801% | 1,700 |
| Net loans and leases to deposits | 91.6448% | 1,938 |
| Net loans and leases to core deposits | 127.1479% | 1,440 |
| Total domestic deposits to total assets | 83.4528% | 4,301 |
| Equity capital to assets | 9.4725% | 4,452 |
| Core capital (leverage) ratio | 9.9135% | 3,178 |
| Tier 1 risk-based capital ratio | 11.7690% | 5,136 |
| Total risk-based capital ratio | 12.7884% | 5,316 |
| Memoranda: | ||
| Average total assets | $118,443,400 | 4,624 |
| Average earning assets | $110,401,600 | 4,555 |
| Average equity | $10,962,600 | 5,036 |
| Average total loans | $99,194,400 | 3,972 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 2,404 |
| Cost of funding earning assets | 2.2067% | 2,383 |
| Net interest margin | 3.7036% | 4,049 |
| Noninterest income to average assets | 0.5747% | 3,892 |
| Noninterest expense to average assets | 3.7042% | 1,810 |
| Loan and lease loss provision to assets | 0.2000% | 5,388 |
| Net operating income to assets | 0.1165% | 5,417 |
| Return on assets (ROA) | 0.1405% | 5,417 |
| Pretax return on assets | 0.1405% | 5,436 |
| Return on Equity (ROE) | 1.5281% | 5,324 |
| Retained earnings to average equity (ytd only) | 1.5281% | 4,460 |
| Net charge-offs to loans | 0.2286% | 4,628 |
| Credit loss provision to net charge-offs | 102.3392% | 4,968 |
| Earnings coverage of net charge-offs (x) | 1.6199% | 4,581 |
| Efficiency ratio | 92.1284% | 1,532 |
| Assets per employee ($millions) | 4.9356% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,938 |
| Loan loss allowance to noncurrent loans | 113.9353% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 3,902 |
| Noncurrent loans to loans | 0.9341% | 5,426 |
| Net loans and leases to total assets | 80.2033% | 1,130 |
| Net loans and leases to deposits | 97.9766% | 1,333 |
| Net loans and leases to core deposits | 111.9498% | 3,030 |
| Total domestic deposits to total assets | 81.8596% | 4,735 |
| Equity capital to assets | 10.0596% | 4,017 |
| Core capital (leverage) ratio | 10.2205% | 3,047 |
| Tier 1 risk-based capital ratio | 11.9699% | 5,007 |
| Total risk-based capital ratio | 13.0083% | 5,137 |
| Memoranda: | ||
| Average total assets | $116,692,500 | 4,681 |
| Average earning assets | $108,575,000 | 4,635 |
| Average equity | $10,732,500 | 5,133 |
| Average total loans | $99,750,250 | 3,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 2,517 |
| Cost of funding earning assets | 2.4129% | 1,915 |
| Net interest margin | 3.5019% | 4,791 |
| Noninterest income to average assets | 0.6925% | 3,036 |
| Noninterest expense to average assets | 3.6467% | 1,954 |
| Loan and lease loss provision to assets | 0.1981% | 5,071 |
| Net operating income to assets | 0.1102% | 5,535 |
| Return on assets (ROA) | 0.1344% | 5,569 |
| Pretax return on assets | 0.1344% | 5,595 |
| Return on Equity (ROE) | 1.5090% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.5090% | 4,487 |
| Net charge-offs to loans | 0.2812% | 3,787 |
| Credit loss provision to net charge-offs | 80.9859% | 5,171 |
| Earnings coverage of net charge-offs (x) | 1.2606% | 4,586 |
| Efficiency ratio | 92.2038% | 1,625 |
| Assets per employee ($millions) | 4.1315% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,207 |
| Loan loss allowance to noncurrent loans | 185.5805% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3909% | 4,177 |
| Noncurrent loans to loans | 0.5412% | 6,187 |
| Net loans and leases to total assets | 84.4325% | 575 |
| Net loans and leases to deposits | 104.2757% | 893 |
| Net loans and leases to core deposits | 120.4796% | 2,327 |
| Total domestic deposits to total assets | 80.9704% | 5,094 |
| Equity capital to assets | 10.0603% | 3,859 |
| Core capital (leverage) ratio | 10.1473% | 3,147 |
| Tier 1 risk-based capital ratio | 11.6515% | 5,242 |
| Total risk-based capital ratio | 12.6354% | 5,418 |
| Memoranda: | ||
| Average total assets | $116,105,330 | 4,727 |
| Average earning assets | $108,169,670 | 4,675 |
| Average equity | $10,338,000 | 5,271 |
| Average total loans | $100,991,670 | 3,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9064% | 2,765 |
| Cost of funding earning assets | 2.5202% | 1,844 |
| Net interest margin | 3.3862% | 5,186 |
| Noninterest income to average assets | 0.6259% | 3,374 |
| Noninterest expense to average assets | 3.6040% | 1,856 |
| Loan and lease loss provision to assets | 0.1548% | 4,953 |
| Net operating income to assets | 0.0138% | 6,223 |
| Return on assets (ROA) | 0.0138% | 6,379 |
| Pretax return on assets | 0.0138% | 6,351 |
| Return on Equity (ROE) | 0.1652% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.1652% | 5,591 |
| Net charge-offs to loans | 0.0352% | 5,019 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,674 |
| Efficiency ratio | 95.5333% | 1,341 |
| Assets per employee ($millions) | 3.9755% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,819 |
| Loan loss allowance to noncurrent loans | 419.9203% | 831 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 4,019 |
| Noncurrent loans to loans | 0.2498% | 6,821 |
| Net loans and leases to total assets | 86.2512% | 407 |
| Net loans and leases to deposits | 101.5005% | 1,230 |
| Net loans and leases to core deposits | 131.4792% | 1,570 |
| Total domestic deposits to total assets | 84.9761% | 3,217 |
| Equity capital to assets | 8.4387% | 6,165 |
| Core capital (leverage) ratio | 8.2906% | 5,920 |
| Tier 1 risk-based capital ratio | 9.3624% | 7,537 |
| Total risk-based capital ratio | 10.3848% | 7,718 |
| Memoranda: | ||
| Average total assets | $116,316,500 | 4,744 |
| Average earning assets | $108,085,500 | 4,685 |
| Average equity | $9,688,000 | 5,481 |
| Average total loans | $102,155,000 | 3,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4550% | 3,171 |
| Cost of funding earning assets | 3.2212% | 1,126 |
| Net interest margin | 3.2338% | 6,261 |
| Noninterest income to average assets | 0.1045% | 7,612 |
| Noninterest expense to average assets | 3.5163% | 2,350 |
| Loan and lease loss provision to assets | 0.3935% | 3,335 |
| Net operating income to assets | -0.8023% | 7,135 |
| Return on assets (ROA) | -0.7402% | 6,998 |
| Pretax return on assets | -0.7402% | 6,840 |
| Return on Equity (ROE) | -8.9257% | 7,189 |
| Retained earnings to average equity (ytd only) | -8.9257% | 6,961 |
| Net charge-offs to loans | 0.3243% | 3,233 |
| Credit loss provision to net charge-offs | 143.7500% | 3,680 |
| Earnings coverage of net charge-offs (x) | -1.4934% | 6,662 |
| Efficiency ratio | 113.1556% | 646 |
| Assets per employee ($millions) | 4.0463% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 6,207 |
| Loan loss allowance to noncurrent loans | 227.7405% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 6,098 |
| Noncurrent loans to loans | 0.4306% | 6,053 |
| Net loans and leases to total assets | 87.6056% | 406 |
| Net loans and leases to deposits | 103.0288% | 1,463 |
| Net loans and leases to core deposits | 115.5564% | 3,168 |
| Total domestic deposits to total assets | 85.0302% | 2,827 |
| Equity capital to assets | 8.2212% | 6,517 |
| Core capital (leverage) ratio | 8.4436% | 5,671 |
| Tier 1 risk-based capital ratio | 9.0772% | 7,733 |
| Total risk-based capital ratio | 10.0340% | 7,980 |
| Memoranda: | ||
| Average total assets | $111,055,000 | 4,751 |
| Average earning assets | $103,128,600 | 4,710 |
| Average equity | $9,209,400 | 5,669 |
| Average total loans | $93,732,400 | 4,114 |