Home > Mother Lode Bank > Performance and Condition Ratios
Mother Lode Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,096 |
| Cost of funding earning assets | 0.0493% | 6,195 |
| Net interest margin | 3.7469% | 2,573 |
| Noninterest income to average assets | 0.9766% | 1,239 |
| Noninterest expense to average assets | 4.4691% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0945% | 5,853 |
| Return on assets (ROA) | 0.0945% | 5,892 |
| Pretax return on assets | 0.0945% | 5,892 |
| Return on Equity (ROE) | 1.3183% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.3183% | 5,191 |
| Net charge-offs to loans | -0.4575% | 6,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7235% | 364 |
| Assets per employee ($millions) | 3.3554% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 339 |
| Loan loss allowance to noncurrent loans | 159.7484% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8024% | 1,190 |
| Noncurrent loans to loans | 1.6845% | 1,445 |
| Net loans and leases to total assets | 65.1746% | 3,130 |
| Net loans and leases to deposits | 70.5113% | 3,922 |
| Net loans and leases to core deposits | 71.0931% | 4,268 |
| Total domestic deposits to total assets | 92.4315% | 68 |
| Equity capital to assets | 7.1697% | 6,124 |
| Core capital (leverage) ratio | 6.9959% | 6,129 |
| Tier 1 risk-based capital ratio | 11.4882% | 5,382 |
| Total risk-based capital ratio | 12.7593% | 5,293 |
| Memoranda: | ||
| Average total assets | $70,587,000 | 5,140 |
| Average earning assets | $67,574,250 | 5,054 |
| Average equity | $5,057,250 | 5,711 |
| Average total loans | $48,961,000 | 4,755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 3,856 |
| Cost of funding earning assets | 0.0474% | 6,275 |
| Net interest margin | 3.8053% | 2,286 |
| Noninterest income to average assets | 1.0959% | 1,003 |
| Noninterest expense to average assets | 4.4203% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3143% | 5,394 |
| Return on assets (ROA) | 0.3143% | 5,486 |
| Pretax return on assets | 0.3143% | 5,639 |
| Return on Equity (ROE) | 4.3882% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.3882% | 3,220 |
| Net charge-offs to loans | -0.6781% | 6,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0622% | 574 |
| Assets per employee ($millions) | 3.2149% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5852% | 440 |
| Loan loss allowance to noncurrent loans | 159.7484% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 1,281 |
| Noncurrent loans to loans | 1.6183% | 1,618 |
| Net loans and leases to total assets | 67.6630% | 2,692 |
| Net loans and leases to deposits | 73.2505% | 3,581 |
| Net loans and leases to core deposits | 73.8530% | 3,967 |
| Total domestic deposits to total assets | 92.3721% | 95 |
| Equity capital to assets | 7.2278% | 6,160 |
| Core capital (leverage) ratio | 7.4056% | 6,120 |
| Tier 1 risk-based capital ratio | 11.4716% | 5,483 |
| Total risk-based capital ratio | 12.7430% | 5,389 |
| Memoranda: | ||
| Average total assets | $70,628,330 | 5,194 |
| Average earning assets | $67,537,000 | 5,113 |
| Average equity | $5,059,000 | 5,768 |
| Average total loans | $49,550,000 | 4,769 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 4,082 |
| Cost of funding earning assets | 0.0417% | 6,356 |
| Net interest margin | 3.7394% | 2,472 |
| Noninterest income to average assets | 1.0541% | 1,013 |
| Noninterest expense to average assets | 4.2506% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3627% | 5,211 |
| Return on assets (ROA) | 0.3627% | 5,328 |
| Pretax return on assets | 0.3627% | 5,509 |
| Return on Equity (ROE) | 5.0869% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.0869% | 3,014 |
| Net charge-offs to loans | -0.0241% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1376% | 705 |
| Assets per employee ($millions) | 2.7920% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 784 |
| Loan loss allowance to noncurrent loans | 133.9394% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 1,242 |
| Noncurrent loans to loans | 1.6575% | 1,676 |
| Net loans and leases to total assets | 72.6316% | 1,711 |
| Net loans and leases to deposits | 78.9095% | 2,694 |
| Net loans and leases to core deposits | 79.2345% | 3,261 |
| Total domestic deposits to total assets | 92.0442% | 137 |
| Equity capital to assets | 7.5573% | 6,161 |
| Core capital (leverage) ratio | 7.2298% | 6,211 |
| Tier 1 risk-based capital ratio | 10.6680% | 5,949 |
| Total risk-based capital ratio | 11.9326% | 5,870 |
| Memoranda: | ||
| Average total assets | $70,579,000 | 5,243 |
| Average earning assets | $67,177,000 | 5,165 |
| Average equity | $5,032,500 | 5,826 |
| Average total loans | $49,762,000 | 4,791 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,042 |
| Cost of funding earning assets | 0.0489% | 6,440 |
| Net interest margin | 3.5672% | 3,530 |
| Noninterest income to average assets | 0.7196% | 2,209 |
| Noninterest expense to average assets | 4.4876% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3896% | 6,270 |
| Return on assets (ROA) | -0.7435% | 6,337 |
| Pretax return on assets | -0.7435% | 6,327 |
| Return on Equity (ROE) | -9.9421% | 6,364 |
| Retained earnings to average equity (ytd only) | -9.9421% | 6,314 |
| Net charge-offs to loans | -0.0278% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5082% | 228 |
| Assets per employee ($millions) | 3.2239% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 803 |
| Loan loss allowance to noncurrent loans | 133.5758% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 1,506 |
| Noncurrent loans to loans | 1.6583% | 1,762 |
| Net loans and leases to total assets | 65.6076% | 2,963 |
| Net loans and leases to deposits | 70.6795% | 3,815 |
| Net loans and leases to core deposits | 70.9403% | 4,226 |
| Total domestic deposits to total assets | 92.8240% | 78 |
| Equity capital to assets | 6.7444% | 6,355 |
| Core capital (leverage) ratio | 7.3878% | 6,237 |
| Tier 1 risk-based capital ratio | 11.1565% | 5,839 |
| Total risk-based capital ratio | 12.4236% | 5,770 |
| Memoranda: | ||
| Average total assets | $66,984,000 | 5,372 |
| Average earning assets | $63,438,800 | 5,299 |
| Average equity | $5,009,000 | 5,851 |
| Average total loans | $43,109,600 | 5,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,011 |
| Cost of funding earning assets | 0.0497% | 6,523 |
| Net interest margin | 3.5979% | 3,432 |
| Noninterest income to average assets | 0.6647% | 2,502 |
| Noninterest expense to average assets | 4.4626% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3927% | 6,342 |
| Return on assets (ROA) | -0.4786% | 6,360 |
| Pretax return on assets | -0.4786% | 6,350 |
| Return on Equity (ROE) | -6.2261% | 6,390 |
| Retained earnings to average equity (ytd only) | -6.2261% | 6,299 |
| Net charge-offs to loans | -0.0290% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6482% | 222 |
| Assets per employee ($millions) | 2.7857% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 693 |
| Loan loss allowance to noncurrent loans | 138.3648% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 2.5737% | 1,001 |
| Noncurrent loans to loans | 1.7631% | 1,843 |
| Net loans and leases to total assets | 68.6613% | 2,442 |
| Net loans and leases to deposits | 74.8520% | 3,321 |
| Net loans and leases to core deposits | 75.1743% | 3,839 |
| Total domestic deposits to total assets | 91.7295% | 193 |
| Equity capital to assets | 7.9193% | 6,173 |
| Core capital (leverage) ratio | 8.1080% | 6,003 |
| Tier 1 risk-based capital ratio | 11.9448% | 5,525 |
| Total risk-based capital ratio | 13.1597% | 5,469 |
| Memoranda: | ||
| Average total assets | $65,192,500 | 5,477 |
| Average earning assets | $61,701,000 | 5,412 |
| Average equity | $5,011,000 | 5,911 |
| Average total loans | $41,449,500 | 5,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 5,368 |
| Cost of funding earning assets | 0.0517% | 6,583 |
| Net interest margin | 3.4685% | 3,899 |
| Noninterest income to average assets | 0.6436% | 2,583 |
| Noninterest expense to average assets | 4.3254% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4057% | 6,415 |
| Return on assets (ROA) | -0.5155% | 6,441 |
| Pretax return on assets | -0.5155% | 6,425 |
| Return on Equity (ROE) | -6.7735% | 6,478 |
| Retained earnings to average equity (ytd only) | -6.7735% | 6,337 |
| Net charge-offs to loans | -0.0298% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3502% | 227 |
| Assets per employee ($millions) | 2.9220% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5881% | 626 |
| Loan loss allowance to noncurrent loans | 137.9874% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 2.5651% | 1,081 |
| Noncurrent loans to loans | 1.8756% | 1,830 |
| Net loans and leases to total assets | 64.2296% | 3,039 |
| Net loans and leases to deposits | 70.0008% | 3,825 |
| Net loans and leases to core deposits | 70.3024% | 4,236 |
| Total domestic deposits to total assets | 91.7555% | 205 |
| Equity capital to assets | 7.8945% | 6,210 |
| Core capital (leverage) ratio | 8.3992% | 5,742 |
| Tier 1 risk-based capital ratio | 13.2274% | 4,769 |
| Total risk-based capital ratio | 14.4741% | 4,705 |
| Memoranda: | ||
| Average total assets | $65,566,330 | 5,516 |
| Average earning assets | $61,928,330 | 5,457 |
| Average equity | $4,990,000 | 5,958 |
| Average total loans | $40,235,330 | 5,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 5,536 |
| Cost of funding earning assets | 0.0508% | 6,660 |
| Net interest margin | 3.3991% | 4,118 |
| Noninterest income to average assets | 0.6042% | 2,711 |
| Noninterest expense to average assets | 3.9210% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0846% | 6,275 |
| Return on assets (ROA) | -0.0846% | 6,286 |
| Pretax return on assets | -0.0846% | 6,280 |
| Return on Equity (ROE) | -1.1319% | 6,309 |
| Retained earnings to average equity (ytd only) | -1.1319% | 5,749 |
| Net charge-offs to loans | -0.0306% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2047% | 420 |
| Assets per employee ($millions) | 3.1878% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7719% | 565 |
| Loan loss allowance to noncurrent loans | 137.4843% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 2.5865% | 1,209 |
| Noncurrent loans to loans | 2.0162% | 1,850 |
| Net loans and leases to total assets | 60.1333% | 3,543 |
| Net loans and leases to deposits | 65.5182% | 4,145 |
| Net loans and leases to core deposits | 65.8016% | 4,502 |
| Total domestic deposits to total assets | 91.7810% | 303 |
| Equity capital to assets | 7.9021% | 6,118 |
| Core capital (leverage) ratio | 8.2612% | 5,885 |
| Tier 1 risk-based capital ratio | 14.6814% | 3,903 |
| Total risk-based capital ratio | 15.9350% | 3,848 |
| Memoranda: | ||
| Average total assets | $66,207,000 | 5,561 |
| Average earning assets | $62,957,500 | 5,471 |
| Average equity | $4,947,500 | 6,009 |
| Average total loans | $39,159,500 | 5,353 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 5,954 |
| Cost of funding earning assets | 0.0623% | 6,740 |
| Net interest margin | 3.2671% | 4,785 |
| Noninterest income to average assets | 0.7122% | 2,468 |
| Noninterest expense to average assets | 4.0855% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3074% | 6,417 |
| Return on assets (ROA) | 0.2429% | 5,777 |
| Pretax return on assets | 0.2429% | 5,861 |
| Return on Equity (ROE) | 3.0918% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.0918% | 4,034 |
| Net charge-offs to loans | 0.4123% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.3057% | 5,286 |
| Efficiency ratio | 108.1349% | 301 |
| Assets per employee ($millions) | 3.2695% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8029% | 598 |
| Loan loss allowance to noncurrent loans | 120.8426% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.5576% | 1,333 |
| Noncurrent loans to loans | 2.3195% | 1,659 |
| Net loans and leases to total assets | 55.0518% | 4,453 |
| Net loans and leases to deposits | 59.7012% | 4,963 |
| Net loans and leases to core deposits | 59.9397% | 5,224 |
| Total domestic deposits to total assets | 92.2122% | 247 |
| Equity capital to assets | 7.0741% | 6,439 |
| Core capital (leverage) ratio | 8.1527% | 6,014 |
| Tier 1 risk-based capital ratio | 15.0734% | 3,626 |
| Total risk-based capital ratio | 16.3297% | 3,564 |
| Memoranda: | ||
| Average total assets | $66,699,000 | 5,574 |
| Average earning assets | $62,593,800 | 5,520 |
| Average equity | $5,239,600 | 6,008 |
| Average total loans | $38,078,000 | 5,419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 5,953 |
| Cost of funding earning assets | 0.0689% | 6,820 |
| Net interest margin | 3.2961% | 4,653 |
| Noninterest income to average assets | 1.0109% | 1,422 |
| Noninterest expense to average assets | 4.0839% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0101% | 6,283 |
| Return on assets (ROA) | 0.7491% | 3,729 |
| Pretax return on assets | 0.7491% | 4,490 |
| Return on Equity (ROE) | 9.2965% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.2965% | 969 |
| Net charge-offs to loans | 0.6231% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0283% | 4,848 |
| Efficiency ratio | 99.7541% | 471 |
| Assets per employee ($millions) | 3.1388% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9490% | 584 |
| Loan loss allowance to noncurrent loans | 118.4735% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 3.3938% | 1,015 |
| Noncurrent loans to loans | 2.4891% | 1,737 |
| Net loans and leases to total assets | 53.4734% | 4,692 |
| Net loans and leases to deposits | 58.2422% | 5,163 |
| Net loans and leases to core deposits | 58.4857% | 5,411 |
| Total domestic deposits to total assets | 91.8122% | 281 |
| Equity capital to assets | 7.7388% | 6,295 |
| Core capital (leverage) ratio | 8.7243% | 5,498 |
| Tier 1 risk-based capital ratio | 16.6181% | 2,890 |
| Total risk-based capital ratio | 17.7363% | 2,907 |
| Memoranda: | ||
| Average total assets | $66,209,000 | 5,645 |
| Average earning assets | $61,929,750 | 5,594 |
| Average equity | $5,335,250 | 6,053 |
| Average total loans | $37,875,500 | 5,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 5,960 |
| Cost of funding earning assets | 0.0679% | 6,872 |
| Net interest margin | 3.3066% | 4,555 |
| Noninterest income to average assets | 0.8868% | 1,864 |
| Noninterest expense to average assets | 4.0659% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0935% | 6,401 |
| Return on assets (ROA) | 1.0135% | 2,404 |
| Pretax return on assets | 1.0135% | 3,446 |
| Return on Equity (ROE) | 12.4138% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.4138% | 437 |
| Net charge-offs to loans | 1.1460% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1409% | 4,597 |
| Efficiency ratio | 102.3538% | 414 |
| Assets per employee ($millions) | 3.0370% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7253% | 772 |
| Loan loss allowance to noncurrent loans | 109.4782% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 3.5625% | 1,059 |
| Noncurrent loans to loans | 2.4894% | 1,866 |
| Net loans and leases to total assets | 57.5326% | 4,060 |
| Net loans and leases to deposits | 63.1858% | 4,601 |
| Net loans and leases to core deposits | 63.4612% | 4,952 |
| Total domestic deposits to total assets | 91.0531% | 527 |
| Equity capital to assets | 8.4076% | 5,866 |
| Core capital (leverage) ratio | 8.8374% | 5,235 |
| Tier 1 risk-based capital ratio | 15.8822% | 3,271 |
| Total risk-based capital ratio | 17.1317% | 3,214 |
| Memoranda: | ||
| Average total assets | $66,307,000 | 5,679 |
| Average earning assets | $61,877,000 | 5,633 |
| Average equity | $5,413,330 | 6,075 |
| Average total loans | $38,394,670 | 5,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 5,928 |
| Cost of funding earning assets | 0.0703% | 6,953 |
| Net interest margin | 3.3348% | 4,380 |
| Noninterest income to average assets | 0.6689% | 2,767 |
| Noninterest expense to average assets | 4.1792% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4203% | 6,638 |
| Return on assets (ROA) | 1.7522% | 575 |
| Pretax return on assets | 1.7522% | 966 |
| Return on Equity (ROE) | 21.7687% | 207 |
| Retained earnings to average equity (ytd only) | 21.7687% | 103 |
| Net charge-offs to loans | 2.3237% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3156% | 3,896 |
| Efficiency ratio | 111.1811% | 314 |
| Assets per employee ($millions) | 3.2625% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7271% | 884 |
| Loan loss allowance to noncurrent loans | 108.7141% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 5.5203% | 626 |
| Noncurrent loans to loans | 2.5085% | 2,062 |
| Net loans and leases to total assets | 55.9218% | 4,096 |
| Net loans and leases to deposits | 61.4665% | 4,620 |
| Net loans and leases to core deposits | 61.7286% | 4,978 |
| Total domestic deposits to total assets | 90.9793% | 532 |
| Equity capital to assets | 8.5287% | 5,993 |
| Core capital (leverage) ratio | 8.5122% | 5,575 |
| Tier 1 risk-based capital ratio | 15.3682% | 3,613 |
| Total risk-based capital ratio | 16.6080% | 3,572 |
| Memoranda: | ||
| Average total assets | $67,572,500 | 5,698 |
| Average earning assets | $62,612,000 | 5,657 |
| Average equity | $5,439,000 | 6,127 |
| Average total loans | $38,732,000 | 5,515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 5,946 |
| Cost of funding earning assets | 0.1106% | 6,983 |
| Net interest margin | 3.6398% | 3,919 |
| Noninterest income to average assets | 0.4071% | 4,547 |
| Noninterest expense to average assets | 3.8756% | 1,124 |
| Loan and lease loss provision to assets | 0.4024% | 1,612 |
| Net operating income to assets | -0.4698% | 6,550 |
| Return on assets (ROA) | -0.1754% | 6,430 |
| Pretax return on assets | -0.1754% | 6,410 |
| Return on Equity (ROE) | -2.0975% | 6,461 |
| Retained earnings to average equity (ytd only) | -2.0975% | 6,171 |
| Net charge-offs to loans | 0.3125% | 3,078 |
| Credit loss provision to net charge-offs | 202.3622% | 1,275 |
| Earnings coverage of net charge-offs (x) | -0.3386% | 5,630 |
| Efficiency ratio | 101.7681% | 498 |
| Assets per employee ($millions) | 3.4948% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1237% | 590 |
| Loan loss allowance to noncurrent loans | 36.7816% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 6.4897% | 509 |
| Noncurrent loans to loans | 8.4927% | 332 |
| Net loans and leases to total assets | 55.3745% | 4,395 |
| Net loans and leases to deposits | 60.1751% | 5,011 |
| Net loans and leases to core deposits | 60.4118% | 5,328 |
| Total domestic deposits to total assets | 92.0223% | 243 |
| Equity capital to assets | 7.6014% | 6,592 |
| Core capital (leverage) ratio | 7.9082% | 6,275 |
| Tier 1 risk-based capital ratio | 14.3056% | 4,162 |
| Total risk-based capital ratio | 15.5745% | 4,106 |
| Memoranda: | ||
| Average total assets | $63,860,600 | 5,823 |
| Average earning assets | $59,673,600 | 5,754 |
| Average equity | $5,339,800 | 6,196 |
| Average total loans | $40,642,000 | 5,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 5,882 |
| Cost of funding earning assets | 0.1234% | 7,084 |
| Net interest margin | 3.7384% | 3,619 |
| Noninterest income to average assets | 0.3122% | 5,287 |
| Noninterest expense to average assets | 3.9003% | 1,062 |
| Loan and lease loss provision to assets | 0.5517% | 1,047 |
| Net operating income to assets | -0.6415% | 6,753 |
| Return on assets (ROA) | -0.6415% | 6,779 |
| Pretax return on assets | -0.6415% | 6,757 |
| Return on Equity (ROE) | -7.4813% | 6,801 |
| Retained earnings to average equity (ytd only) | -7.4813% | 6,735 |
| Net charge-offs to loans | 0.4181% | 2,417 |
| Credit loss provision to net charge-offs | 201.5625% | 1,368 |
| Earnings coverage of net charge-offs (x) | -0.3281% | 5,456 |
| Efficiency ratio | 102.3569% | 465 |
| Assets per employee ($millions) | 3.2084% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0735% | 668 |
| Loan loss allowance to noncurrent loans | 45.5276% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 6.0497% | 659 |
| Noncurrent loans to loans | 6.7510% | 553 |
| Net loans and leases to total assets | 61.2844% | 3,516 |
| Net loans and leases to deposits | 67.0777% | 4,326 |
| Net loans and leases to core deposits | 67.3673% | 4,795 |
| Total domestic deposits to total assets | 91.3633% | 318 |
| Equity capital to assets | 8.2658% | 6,447 |
| Core capital (leverage) ratio | 8.2221% | 6,115 |
| Tier 1 risk-based capital ratio | 13.8563% | 4,644 |
| Total risk-based capital ratio | 15.1546% | 4,564 |
| Memoranda: | ||
| Average total assets | $62,352,000 | 5,934 |
| Average earning assets | $58,348,500 | 5,865 |
| Average equity | $5,346,500 | 6,261 |
| Average total loans | $40,814,500 | 5,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 5,891 |
| Cost of funding earning assets | 0.1353% | 7,146 |
| Net interest margin | 3.7724% | 3,487 |
| Noninterest income to average assets | 0.1425% | 6,484 |
| Noninterest expense to average assets | 3.9225% | 1,044 |
| Loan and lease loss provision to assets | 0.7482% | 699 |
| Net operating income to assets | -1.0073% | 6,912 |
| Return on assets (ROA) | -1.0073% | 6,931 |
| Pretax return on assets | -1.0073% | 6,894 |
| Return on Equity (ROE) | -11.6030% | 6,936 |
| Retained earnings to average equity (ytd only) | -11.6030% | 6,878 |
| Net charge-offs to loans | 0.1467% | 3,740 |
| Credit loss provision to net charge-offs | 770.0000% | 409 |
| Earnings coverage of net charge-offs (x) | -2.6667% | 5,401 |
| Efficiency ratio | 107.0734% | 377 |
| Assets per employee ($millions) | 3.0310% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2380% | 621 |
| Loan loss allowance to noncurrent loans | 47.3269% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 6.4831% | 632 |
| Noncurrent loans to loans | 6.8418% | 581 |
| Net loans and leases to total assets | 65.0225% | 2,841 |
| Net loans and leases to deposits | 71.3102% | 3,720 |
| Net loans and leases to core deposits | 71.6368% | 4,333 |
| Total domestic deposits to total assets | 91.1826% | 392 |
| Equity capital to assets | 8.4924% | 6,213 |
| Core capital (leverage) ratio | 8.6047% | 5,512 |
| Tier 1 risk-based capital ratio | 13.0161% | 5,176 |
| Total risk-based capital ratio | 14.2481% | 5,166 |
| Memoranda: | ||
| Average total assets | $61,746,670 | 5,985 |
| Average earning assets | $57,629,670 | 5,917 |
| Average equity | $5,360,670 | 6,284 |
| Average total loans | $40,895,330 | 5,560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 5,906 |
| Cost of funding earning assets | 0.1519% | 7,184 |
| Net interest margin | 3.7966% | 3,406 |
| Noninterest income to average assets | 0.5521% | 3,551 |
| Noninterest expense to average assets | 3.8067% | 1,206 |
| Loan and lease loss provision to assets | 0.0706% | 4,518 |
| Net operating income to assets | 0.2054% | 5,970 |
| Return on assets (ROA) | 0.2054% | 6,117 |
| Pretax return on assets | 0.2054% | 6,192 |
| Return on Equity (ROE) | 2.3413% | 5,964 |
| Retained earnings to average equity (ytd only) | 2.3413% | 5,088 |
| Net charge-offs to loans | -0.1660% | 6,946 |
| Credit loss provision to net charge-offs | -64.7059% | 5,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2390% | 870 |
| Assets per employee ($millions) | 3.1890% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 989 |
| Loan loss allowance to noncurrent loans | 94.3257% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 4.6608% | 1,135 |
| Noncurrent loans to loans | 2.9893% | 2,158 |
| Net loans and leases to total assets | 65.2424% | 2,614 |
| Net loans and leases to deposits | 71.9806% | 3,439 |
| Net loans and leases to core deposits | 72.3124% | 4,101 |
| Total domestic deposits to total assets | 90.6389% | 722 |
| Equity capital to assets | 9.0475% | 5,426 |
| Core capital (leverage) ratio | 9.2098% | 4,501 |
| Tier 1 risk-based capital ratio | 13.6817% | 4,696 |
| Total risk-based capital ratio | 14.8880% | 4,707 |
| Memoranda: | ||
| Average total assets | $62,310,500 | 6,000 |
| Average earning assets | $57,947,000 | 5,939 |
| Average equity | $5,467,000 | 6,291 |
| Average total loans | $40,975,500 | 5,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 5,436 |
| Cost of funding earning assets | 0.2903% | 7,121 |
| Net interest margin | 4.1070% | 2,400 |
| Noninterest income to average assets | 0.4027% | 4,591 |
| Noninterest expense to average assets | 4.3850% | 659 |
| Loan and lease loss provision to assets | 0.5029% | 2,092 |
| Net operating income to assets | -0.6952% | 6,606 |
| Return on assets (ROA) | -0.6952% | 6,640 |
| Pretax return on assets | -0.6952% | 6,601 |
| Return on Equity (ROE) | -7.4522% | 6,656 |
| Retained earnings to average equity (ytd only) | -7.4522% | 6,599 |
| Net charge-offs to loans | 0.5775% | 2,717 |
| Credit loss provision to net charge-offs | 129.1139% | 2,377 |
| Earnings coverage of net charge-offs (x) | -0.4937% | 6,081 |
| Efficiency ratio | 104.5864% | 553 |
| Assets per employee ($millions) | 3.3700% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7088% | 1,071 |
| Loan loss allowance to noncurrent loans | 91.7898% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 4.4198% | 1,250 |
| Noncurrent loans to loans | 2.9511% | 2,204 |
| Net loans and leases to total assets | 62.7128% | 3,466 |
| Net loans and leases to deposits | 68.8092% | 4,310 |
| Net loans and leases to core deposits | 69.4087% | 4,862 |
| Total domestic deposits to total assets | 91.1401% | 446 |
| Equity capital to assets | 8.5148% | 6,132 |
| Core capital (leverage) ratio | 8.6621% | 5,307 |
| Tier 1 risk-based capital ratio | 13.3058% | 4,830 |
| Total risk-based capital ratio | 14.5203% | 4,840 |
| Memoranda: | ||
| Average total assets | $60,843,600 | 6,010 |
| Average earning assets | $56,148,400 | 5,974 |
| Average equity | $5,676,200 | 6,240 |
| Average total loans | $41,038,400 | 5,643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 5,087 |
| Cost of funding earning assets | 0.3105% | 7,199 |
| Net interest margin | 4.2385% | 1,954 |
| Noninterest income to average assets | 0.4086% | 4,605 |
| Noninterest expense to average assets | 4.5430% | 561 |
| Loan and lease loss provision to assets | 0.6239% | 1,572 |
| Net operating income to assets | -0.8482% | 6,822 |
| Return on assets (ROA) | -0.8482% | 6,855 |
| Pretax return on assets | -0.8482% | 6,806 |
| Return on Equity (ROE) | -8.8852% | 6,857 |
| Retained earnings to average equity (ytd only) | -8.8852% | 6,812 |
| Net charge-offs to loans | 0.1399% | 4,661 |
| Credit loss provision to net charge-offs | 653.4884% | 417 |
| Earnings coverage of net charge-offs (x) | -2.3489% | 6,038 |
| Efficiency ratio | 105.1928% | 521 |
| Assets per employee ($millions) | 2.9524% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 787 |
| Loan loss allowance to noncurrent loans | 210.6383% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 3.6435% | 1,724 |
| Noncurrent loans to loans | 1.4792% | 4,083 |
| Net loans and leases to total assets | 64.5441% | 3,196 |
| Net loans and leases to deposits | 71.0623% | 4,133 |
| Net loans and leases to core deposits | 71.7027% | 4,750 |
| Total domestic deposits to total assets | 90.8276% | 500 |
| Equity capital to assets | 8.8450% | 5,928 |
| Core capital (leverage) ratio | 9.2202% | 4,593 |
| Tier 1 risk-based capital ratio | 13.5164% | 4,723 |
| Total risk-based capital ratio | 14.7512% | 4,701 |
| Memoranda: | ||
| Average total assets | $60,047,000 | 6,083 |
| Average earning assets | $55,395,000 | 6,054 |
| Average equity | $5,732,250 | 6,267 |
| Average total loans | $40,979,750 | 5,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 4,910 |
| Cost of funding earning assets | 0.3244% | 7,270 |
| Net interest margin | 4.2899% | 1,704 |
| Noninterest income to average assets | 0.7812% | 2,107 |
| Noninterest expense to average assets | 4.6367% | 518 |
| Loan and lease loss provision to assets | 0.5590% | 1,731 |
| Net operating income to assets | -0.4512% | 6,653 |
| Return on assets (ROA) | -0.4512% | 6,674 |
| Pretax return on assets | -0.4512% | 6,626 |
| Return on Equity (ROE) | -4.6088% | 6,688 |
| Retained earnings to average equity (ytd only) | -4.6088% | 6,534 |
| Net charge-offs to loans | 0.3670% | 3,080 |
| Credit loss provision to net charge-offs | 221.3333% | 1,352 |
| Earnings coverage of net charge-offs (x) | 0.4267% | 4,981 |
| Efficiency ratio | 97.7289% | 800 |
| Assets per employee ($millions) | 2.6598% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8076% | 1,072 |
| Loan loss allowance to noncurrent loans | 132.7125% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 4.5031% | 1,392 |
| Noncurrent loans to loans | 2.1156% | 3,333 |
| Net loans and leases to total assets | 67.4425% | 2,722 |
| Net loans and leases to deposits | 75.0680% | 3,637 |
| Net loans and leases to core deposits | 75.7917% | 4,340 |
| Total domestic deposits to total assets | 89.8419% | 1,051 |
| Equity capital to assets | 9.7924% | 4,396 |
| Core capital (leverage) ratio | 9.8265% | 3,484 |
| Tier 1 risk-based capital ratio | 14.2403% | 3,986 |
| Total risk-based capital ratio | 15.4903% | 3,961 |
| Memoranda: | ||
| Average total assets | $59,395,670 | 6,161 |
| Average earning assets | $54,873,330 | 6,118 |
| Average equity | $5,815,000 | 6,284 |
| Average total loans | $40,871,330 | 5,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 4,867 |
| Cost of funding earning assets | 0.3340% | 7,344 |
| Net interest margin | 4.2842% | 1,604 |
| Noninterest income to average assets | 0.8557% | 1,832 |
| Noninterest expense to average assets | 4.7129% | 472 |
| Loan and lease loss provision to assets | 0.1337% | 4,334 |
| Net operating income to assets | -0.0468% | 6,410 |
| Return on assets (ROA) | -0.0468% | 6,429 |
| Pretax return on assets | -0.0468% | 6,401 |
| Return on Equity (ROE) | -0.4780% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.4780% | 5,882 |
| Net charge-offs to loans | 0.7609% | 1,699 |
| Credit loss provision to net charge-offs | 25.6410% | 4,189 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,480 |
| Efficiency ratio | 98.1894% | 823 |
| Assets per employee ($millions) | 2.6334% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4062% | 1,598 |
| Loan loss allowance to noncurrent loans | 226.2557% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 3.8216% | 1,757 |
| Noncurrent loans to loans | 1.0635% | 4,927 |
| Net loans and leases to total assets | 69.3789% | 2,247 |
| Net loans and leases to deposits | 77.5946% | 3,136 |
| Net loans and leases to core deposits | 77.9739% | 4,023 |
| Total domestic deposits to total assets | 89.4121% | 1,527 |
| Equity capital to assets | 10.1063% | 3,642 |
| Core capital (leverage) ratio | 10.0298% | 3,107 |
| Tier 1 risk-based capital ratio | 13.9044% | 4,138 |
| Total risk-based capital ratio | 15.1250% | 4,130 |
| Memoranda: | ||
| Average total assets | $59,836,000 | 6,190 |
| Average earning assets | $55,086,000 | 6,158 |
| Average equity | $5,857,500 | 6,293 |
| Average total loans | $41,005,000 | 5,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 5,729 |
| Cost of funding earning assets | 0.5465% | 7,235 |
| Net interest margin | 4.1743% | 2,279 |
| Noninterest income to average assets | 0.1010% | 6,890 |
| Noninterest expense to average assets | 4.4774% | 668 |
| Loan and lease loss provision to assets | 0.9971% | 1,629 |
| Net operating income to assets | -1.5527% | 6,924 |
| Return on assets (ROA) | -1.5527% | 6,949 |
| Pretax return on assets | -1.5527% | 6,875 |
| Return on Equity (ROE) | -18.1179% | 7,000 |
| Retained earnings to average equity (ytd only) | -18.1179% | 6,971 |
| Net charge-offs to loans | 3.2040% | 492 |
| Credit loss provision to net charge-offs | 45.4006% | 6,325 |
| Earnings coverage of net charge-offs (x) | -0.2530% | 6,324 |
| Efficiency ratio | 114.1670% | 473 |
| Assets per employee ($millions) | 2.6843% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5671% | 1,323 |
| Loan loss allowance to noncurrent loans | 216.0825% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 5.7695% | 1,050 |
| Noncurrent loans to loans | 1.1880% | 4,733 |
| Net loans and leases to total assets | 64.4287% | 3,780 |
| Net loans and leases to deposits | 71.5439% | 4,601 |
| Net loans and leases to core deposits | 71.8697% | 5,229 |
| Total domestic deposits to total assets | 90.0547% | 1,065 |
| Equity capital to assets | 9.4917% | 4,411 |
| Core capital (leverage) ratio | 9.4828% | 3,721 |
| Tier 1 risk-based capital ratio | 13.6435% | 4,100 |
| Total risk-based capital ratio | 14.8681% | 4,090 |
| Memoranda: | ||
| Average total assets | $61,375,000 | 6,151 |
| Average earning assets | $56,177,400 | 6,128 |
| Average equity | $5,260,000 | 6,573 |
| Average total loans | $42,071,800 | 5,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 5,825 |
| Cost of funding earning assets | 0.5892% | 7,309 |
| Net interest margin | 4.1698% | 2,335 |
| Noninterest income to average assets | 0.5330% | 3,926 |
| Noninterest expense to average assets | 4.3925% | 667 |
| Loan and lease loss provision to assets | 0.7897% | 1,929 |
| Net operating income to assets | -0.8311% | 6,806 |
| Return on assets (ROA) | -0.8311% | 6,845 |
| Pretax return on assets | -0.8311% | 6,759 |
| Return on Equity (ROE) | -9.9671% | 6,928 |
| Retained earnings to average equity (ytd only) | -9.9671% | 6,878 |
| Net charge-offs to loans | 2.5921% | 639 |
| Credit loss provision to net charge-offs | 44.0534% | 5,968 |
| Earnings coverage of net charge-offs (x) | -0.0231% | 6,051 |
| Efficiency ratio | 100.9500% | 715 |
| Assets per employee ($millions) | 2.8948% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2264% | 684 |
| Loan loss allowance to noncurrent loans | 97.2834% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 6.8875% | 790 |
| Noncurrent loans to loans | 3.3165% | 2,389 |
| Net loans and leases to total assets | 65.3748% | 3,826 |
| Net loans and leases to deposits | 73.3586% | 4,623 |
| Net loans and leases to core deposits | 73.7000% | 5,330 |
| Total domestic deposits to total assets | 89.1168% | 1,334 |
| Equity capital to assets | 10.5641% | 3,452 |
| Core capital (leverage) ratio | 10.5827% | 2,612 |
| Tier 1 risk-based capital ratio | 14.7432% | 3,370 |
| Total risk-based capital ratio | 15.9760% | 3,365 |
| Memoranda: | ||
| Average total assets | $61,284,250 | 6,220 |
| Average earning assets | $56,116,750 | 6,194 |
| Average equity | $5,110,000 | 6,716 |
| Average total loans | $42,383,500 | 5,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 5,889 |
| Cost of funding earning assets | 0.6396% | 7,320 |
| Net interest margin | 4.1324% | 2,415 |
| Noninterest income to average assets | 0.4589% | 4,443 |
| Noninterest expense to average assets | 4.5176% | 564 |
| Loan and lease loss provision to assets | 0.9927% | 1,465 |
| Net operating income to assets | -1.2661% | 7,057 |
| Return on assets (ROA) | -1.2661% | 7,069 |
| Pretax return on assets | -1.2661% | 6,993 |
| Return on Equity (ROE) | -16.6500% | 7,192 |
| Retained earnings to average equity (ytd only) | -16.6500% | 7,155 |
| Net charge-offs to loans | 3.5309% | 415 |
| Credit loss provision to net charge-offs | 40.3439% | 5,608 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 5,807 |
| Efficiency ratio | 106.4417% | 625 |
| Assets per employee ($millions) | 2.9421% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2478% | 675 |
| Loan loss allowance to noncurrent loans | 126.0870% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 6.2848% | 916 |
| Noncurrent loans to loans | 2.5758% | 3,065 |
| Net loans and leases to total assets | 64.3209% | 4,194 |
| Net loans and leases to deposits | 72.1339% | 4,969 |
| Net loans and leases to core deposits | 73.3400% | 5,517 |
| Total domestic deposits to total assets | 89.1687% | 1,343 |
| Equity capital to assets | 10.3700% | 3,560 |
| Core capital (leverage) ratio | 10.5084% | 2,628 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,508 |
| Total risk-based capital ratio | 15.4643% | 3,562 |
| Memoranda: | ||
| Average total assets | $61,448,670 | 6,249 |
| Average earning assets | $56,286,330 | 6,230 |
| Average equity | $4,672,670 | 6,885 |
| Average total loans | $42,822,330 | 5,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 6,245 |
| Cost of funding earning assets | 0.6663% | 7,405 |
| Net interest margin | 4.0334% | 2,722 |
| Noninterest income to average assets | 0.3525% | 5,321 |
| Noninterest expense to average assets | 4.1905% | 821 |
| Loan and lease loss provision to assets | 1.7950% | 632 |
| Net operating income to assets | -1.9190% | 7,446 |
| Return on assets (ROA) | -1.9190% | 7,448 |
| Pretax return on assets | -1.9190% | 7,391 |
| Return on Equity (ROE) | -30.9026% | 7,584 |
| Retained earnings to average equity (ytd only) | -30.9026% | 7,561 |
| Net charge-offs to loans | 5.6938% | 195 |
| Credit loss provision to net charge-offs | 44.2122% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.0305% | 5,050 |
| Efficiency ratio | 103.0498% | 753 |
| Assets per employee ($millions) | 2.8115% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3571% | 601 |
| Loan loss allowance to noncurrent loans | 77.5202% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 7.6285% | 659 |
| Noncurrent loans to loans | 4.3306% | 1,748 |
| Net loans and leases to total assets | 70.1145% | 2,906 |
| Net loans and leases to deposits | 75.1348% | 4,553 |
| Net loans and leases to core deposits | 75.9341% | 5,265 |
| Total domestic deposits to total assets | 93.3183% | 102 |
| Equity capital to assets | 6.2058% | 7,589 |
| Core capital (leverage) ratio | 6.0127% | 7,578 |
| Tier 1 risk-based capital ratio | 7.8787% | 7,627 |
| Total risk-based capital ratio | 9.1151% | 7,638 |
| Memoranda: | ||
| Average total assets | $61,281,000 | 6,335 |
| Average earning assets | $56,429,500 | 6,304 |
| Average equity | $3,805,500 | 7,249 |
| Average total loans | $43,696,500 | 5,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 6,163 |
| Cost of funding earning assets | 1.2251% | 6,571 |
| Net interest margin | 3.8543% | 3,465 |
| Noninterest income to average assets | -0.4712% | 7,936 |
| Noninterest expense to average assets | 4.9670% | 529 |
| Loan and lease loss provision to assets | 2.3943% | 843 |
| Net operating income to assets | -4.3829% | 7,665 |
| Return on assets (ROA) | -4.3829% | 7,663 |
| Pretax return on assets | -4.3829% | 7,619 |
| Return on Equity (ROE) | -56.7110% | 7,737 |
| Retained earnings to average equity (ytd only) | -56.7110% | 7,732 |
| Net charge-offs to loans | 1.7591% | 1,422 |
| Credit loss provision to net charge-offs | 187.1275% | 2,161 |
| Earnings coverage of net charge-offs (x) | -1.5542% | 6,965 |
| Efficiency ratio | 166.7691% | 233 |
| Assets per employee ($millions) | 2.7617% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0060% | 360 |
| Loan loss allowance to noncurrent loans | 79.2629% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 5.9808% | 945 |
| Noncurrent loans to loans | 5.0541% | 1,333 |
| Net loans and leases to total assets | 67.3378% | 3,850 |
| Net loans and leases to deposits | 72.2737% | 5,287 |
| Net loans and leases to core deposits | 84.0549% | 5,707 |
| Total domestic deposits to total assets | 93.1707% | 113 |
| Equity capital to assets | 6.2138% | 7,628 |
| Core capital (leverage) ratio | 6.3119% | 7,548 |
| Tier 1 risk-based capital ratio | 8.3030% | 7,615 |
| Total risk-based capital ratio | 9.5883% | 7,626 |
| Memoranda: | ||
| Average total assets | $65,572,800 | 6,151 |
| Average earning assets | $58,687,000 | 6,188 |
| Average equity | $5,067,800 | 6,917 |
| Average total loans | $47,695,600 | 5,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 5,918 |
| Cost of funding earning assets | 1.3641% | 6,354 |
| Net interest margin | 3.8263% | 3,546 |
| Noninterest income to average assets | -0.5346% | 8,047 |
| Noninterest expense to average assets | 4.7573% | 586 |
| Loan and lease loss provision to assets | 3.3269% | 413 |
| Net operating income to assets | -5.2234% | 7,864 |
| Return on assets (ROA) | -5.2234% | 7,861 |
| Pretax return on assets | -5.2234% | 7,834 |
| Return on Equity (ROE) | -64.5458% | 7,913 |
| Retained earnings to average equity (ytd only) | -64.5458% | 7,911 |
| Net charge-offs to loans | 1.6309% | 1,250 |
| Credit loss provision to net charge-offs | 278.0776% | 1,512 |
| Earnings coverage of net charge-offs (x) | -1.5852% | 6,704 |
| Efficiency ratio | 166.2906% | 253 |
| Assets per employee ($millions) | 2.7229% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7100% | 173 |
| Loan loss allowance to noncurrent loans | 79.5626% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 6.8437% | 709 |
| Noncurrent loans to loans | 5.9199% | 1,009 |
| Net loans and leases to total assets | 68.1623% | 3,923 |
| Net loans and leases to deposits | 73.4253% | 5,455 |
| Net loans and leases to core deposits | 86.8136% | 5,787 |
| Total domestic deposits to total assets | 92.8322% | 94 |
| Equity capital to assets | 6.7335% | 7,699 |
| Core capital (leverage) ratio | 6.6452% | 7,610 |
| Tier 1 risk-based capital ratio | 8.7218% | 7,708 |
| Total risk-based capital ratio | 9.9876% | 7,739 |
| Memoranda: | ||
| Average total assets | $66,086,000 | 6,178 |
| Average earning assets | $58,645,000 | 6,230 |
| Average equity | $5,348,000 | 6,888 |
| Average total loans | $48,480,000 | 5,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 6,129 |
| Cost of funding earning assets | 1.5204% | 6,057 |
| Net interest margin | 3.6668% | 4,092 |
| Noninterest income to average assets | -0.9370% | 8,152 |
| Noninterest expense to average assets | 4.7383% | 621 |
| Loan and lease loss provision to assets | 2.8138% | 540 |
| Net operating income to assets | -5.1964% | 7,950 |
| Return on assets (ROA) | -5.1964% | 7,942 |
| Pretax return on assets | -5.1964% | 7,885 |
| Return on Equity (ROE) | -61.0306% | 7,978 |
| Retained earnings to average equity (ytd only) | -61.0306% | 7,973 |
| Net charge-offs to loans | 1.3197% | 1,399 |
| Credit loss provision to net charge-offs | 288.4146% | 1,623 |
| Earnings coverage of net charge-offs (x) | -2.4421% | 6,378 |
| Efficiency ratio | 201.1364% | 197 |
| Assets per employee ($millions) | 2.8416% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5330% | 368 |
| Loan loss allowance to noncurrent loans | 48.3526% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 8.3145% | 443 |
| Noncurrent loans to loans | 7.3067% | 649 |
| Net loans and leases to total assets | 69.8956% | 3,726 |
| Net loans and leases to deposits | 76.1249% | 5,156 |
| Net loans and leases to core deposits | 91.4791% | 5,400 |
| Total domestic deposits to total assets | 91.8171% | 242 |
| Equity capital to assets | 7.7208% | 7,049 |
| Core capital (leverage) ratio | 7.5026% | 7,010 |
| Tier 1 risk-based capital ratio | 9.4494% | 7,435 |
| Total risk-based capital ratio | 10.6629% | 7,427 |
| Memoranda: | ||
| Average total assets | $67,239,000 | 6,184 |
| Average earning assets | $60,379,670 | 6,206 |
| Average equity | $5,725,000 | 6,822 |
| Average total loans | $49,707,330 | 5,782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 5,898 |
| Cost of funding earning assets | 1.7018% | 5,588 |
| Net interest margin | 3.5971% | 4,327 |
| Noninterest income to average assets | -2.4054% | 8,235 |
| Noninterest expense to average assets | 4.5057% | 702 |
| Loan and lease loss provision to assets | 4.6524% | 188 |
| Net operating income to assets | -8.2898% | 8,152 |
| Return on assets (ROA) | -8.2898% | 8,143 |
| Pretax return on assets | -8.2898% | 8,124 |
| Return on Equity (ROE) | -93.1981% | 8,145 |
| Retained earnings to average equity (ytd only) | -93.1981% | 8,140 |
| Net charge-offs to loans | 0.7940% | 1,626 |
| Credit loss provision to net charge-offs | 785.1485% | 761 |
| Earnings coverage of net charge-offs (x) | -6.1386% | 5,581 |
| Efficiency ratio | 518.9189% | 37 |
| Assets per employee ($millions) | 3.0640% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5009% | 319 |
| Loan loss allowance to noncurrent loans | 75.2586% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 5.4177% | 798 |
| Noncurrent loans to loans | 4.6518% | 1,209 |
| Net loans and leases to total assets | 71.3955% | 3,377 |
| Net loans and leases to deposits | 77.8552% | 4,950 |
| Net loans and leases to core deposits | 97.7039% | 4,773 |
| Total domestic deposits to total assets | 91.7029% | 227 |
| Equity capital to assets | 7.9589% | 6,870 |
| Core capital (leverage) ratio | 7.9330% | 6,567 |
| Tier 1 risk-based capital ratio | 9.7413% | 7,209 |
| Total risk-based capital ratio | 10.9578% | 7,157 |
| Memoranda: | ||
| Average total assets | $68,180,500 | 6,170 |
| Average earning assets | $62,050,500 | 6,173 |
| Average equity | $6,064,500 | 6,734 |
| Average total loans | $50,884,000 | 5,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9786% | 5,648 |
| Cost of funding earning assets | 1.9546% | 6,554 |
| Net interest margin | 4.0239% | 3,007 |
| Noninterest income to average assets | 0.4677% | 4,898 |
| Noninterest expense to average assets | 4.9603% | 637 |
| Loan and lease loss provision to assets | 1.7659% | 717 |
| Net operating income to assets | -2.4719% | 7,702 |
| Return on assets (ROA) | -2.4719% | 7,674 |
| Pretax return on assets | -2.4719% | 7,586 |
| Return on Equity (ROE) | -21.7949% | 7,799 |
| Retained earnings to average equity (ytd only) | -21.7949% | 7,728 |
| Net charge-offs to loans | 1.6566% | 675 |
| Credit loss provision to net charge-offs | 139.5735% | 3,804 |
| Earnings coverage of net charge-offs (x) | -0.5581% | 6,497 |
| Efficiency ratio | 116.5962% | 611 |
| Assets per employee ($millions) | 2.9979% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0310% | 1,165 |
| Loan loss allowance to noncurrent loans | 82.7316% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 4.4901% | 839 |
| Noncurrent loans to loans | 2.4550% | 2,230 |
| Net loans and leases to total assets | 73.7339% | 3,175 |
| Net loans and leases to deposits | 82.1872% | 4,696 |
| Net loans and leases to core deposits | 107.1194% | 4,064 |
| Total domestic deposits to total assets | 89.7146% | 760 |
| Equity capital to assets | 9.8097% | 4,280 |
| Core capital (leverage) ratio | 9.9851% | 3,461 |
| Tier 1 risk-based capital ratio | 11.8615% | 4,932 |
| Total risk-based capital ratio | 13.0837% | 4,859 |
| Memoranda: | ||
| Average total assets | $66,709,200 | 6,136 |
| Average earning assets | $62,774,200 | 6,063 |
| Average equity | $7,566,000 | 6,250 |
| Average total loans | $50,947,800 | 5,663 |