Home > Nevada National Bank > Performance and Condition Ratios
Nevada National Bank, Performance and Condition Ratios
| 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 | 3.0398% | 6,469 |
| Cost of funding earning assets | 0.3464% | 5,573 |
| Net interest margin | 2.6934% | 6,221 |
| Noninterest income to average assets | 0.3404% | 4,970 |
| Noninterest expense to average assets | 2.8808% | 3,414 |
| Loan and lease loss provision to assets | -0.2657% | 6,915 |
| Net operating income to assets | 0.3072% | 5,545 |
| Return on assets (ROA) | 0.3072% | 5,669 |
| Pretax return on assets | 0.3072% | 5,833 |
| Return on Equity (ROE) | 3.1353% | 5,526 |
| Retained earnings to average equity (ytd only) | 3.1353% | 4,390 |
| Net charge-offs to loans | -1.3827% | 6,941 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5795% | 610 |
| Assets per employee ($millions) | 5.2102% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6865% | 18 |
| Loan loss allowance to noncurrent loans | 88.4158% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 2,424 |
| Noncurrent loans to loans | 10.9556% | 168 |
| Net loans and leases to total assets | 15.9802% | 6,911 |
| Net loans and leases to deposits | 17.5895% | 6,925 |
| Net loans and leases to core deposits | 18.7725% | 6,915 |
| Total domestic deposits to total assets | 90.8506% | 591 |
| Equity capital to assets | 9.0649% | 5,414 |
| Core capital (leverage) ratio | 9.2364% | 4,501 |
| Tier 1 risk-based capital ratio | 24.2068% | 990 |
| Total risk-based capital ratio | 25.5547% | 961 |
| Memoranda: | ||
| Average total assets | $48,180,500 | 6,237 |
| Average earning assets | $46,187,500 | 6,156 |
| Average equity | $4,720,500 | 6,327 |
| Average total loans | $9,257,500 | 6,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 6,725 |
| Cost of funding earning assets | 0.3988% | 5,929 |
| Net interest margin | 2.7062% | 6,512 |
| Noninterest income to average assets | 0.1583% | 6,242 |
| Noninterest expense to average assets | 4.3577% | 646 |
| Loan and lease loss provision to assets | -0.4862% | 7,040 |
| Net operating income to assets | -1.0950% | 6,768 |
| Return on assets (ROA) | -0.8876% | 6,728 |
| Pretax return on assets | -0.8876% | 6,702 |
| Return on Equity (ROE) | -8.1799% | 6,685 |
| Retained earnings to average equity (ytd only) | -8.1799% | 6,580 |
| Net charge-offs to loans | -0.0987% | 6,821 |
| Credit loss provision to net charge-offs | 1,676.9231% | 139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.8635% | 100 |
| Assets per employee ($millions) | 4.4259% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6063% | 16 |
| Loan loss allowance to noncurrent loans | 53.2499% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.7891% | 1,160 |
| Noncurrent loans to loans | 18.0400% | 44 |
| Net loans and leases to total assets | 18.9860% | 6,942 |
| Net loans and leases to deposits | 21.2686% | 6,960 |
| Net loans and leases to core deposits | 22.8460% | 6,951 |
| Total domestic deposits to total assets | 89.2677% | 1,397 |
| Equity capital to assets | 10.6600% | 3,325 |
| Core capital (leverage) ratio | 9.6656% | 3,870 |
| Tier 1 risk-based capital ratio | 26.5623% | 727 |
| Total risk-based capital ratio | 27.8883% | 712 |
| Memoranda: | ||
| Average total assets | $44,839,800 | 6,351 |
| Average earning assets | $43,382,600 | 6,256 |
| Average equity | $4,865,600 | 6,334 |
| Average total loans | $13,172,200 | 6,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 6,752 |
| Cost of funding earning assets | 0.4024% | 6,105 |
| Net interest margin | 2.8595% | 6,420 |
| Noninterest income to average assets | 0.0978% | 6,621 |
| Noninterest expense to average assets | 4.7718% | 431 |
| Loan and lease loss provision to assets | -0.6076% | 7,152 |
| Net operating income to assets | -1.2863% | 6,925 |
| Return on assets (ROA) | -1.0848% | 6,910 |
| Pretax return on assets | -1.0848% | 6,888 |
| Return on Equity (ROE) | -9.9539% | 6,859 |
| Retained earnings to average equity (ytd only) | -9.9539% | 6,812 |
| Net charge-offs to loans | 1.1126% | 912 |
| Credit loss provision to net charge-offs | -173.7288% | 6,312 |
| Earnings coverage of net charge-offs (x) | -5.4152% | 5,717 |
| Efficiency ratio | 151.6993% | 84 |
| Assets per employee ($millions) | 4.0594% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9034% | 68 |
| Loan loss allowance to noncurrent loans | 48.0173% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 3.6145% | 1,382 |
| Noncurrent loans to loans | 12.2943% | 159 |
| Net loans and leases to total assets | 27.6644% | 6,885 |
| Net loans and leases to deposits | 31.2126% | 6,926 |
| Net loans and leases to core deposits | 32.6221% | 6,922 |
| Total domestic deposits to total assets | 88.6323% | 1,638 |
| Equity capital to assets | 11.2400% | 2,995 |
| Core capital (leverage) ratio | 9.6675% | 4,018 |
| Tier 1 risk-based capital ratio | 22.7719% | 1,203 |
| Total risk-based capital ratio | 24.0466% | 1,183 |
| Memoranda: | ||
| Average total assets | $44,985,000 | 6,424 |
| Average earning assets | $43,736,750 | 6,318 |
| Average equity | $4,902,500 | 6,391 |
| Average total loans | $14,141,250 | 6,783 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3340% | 6,790 |
| Cost of funding earning assets | 0.4116% | 6,210 |
| Net interest margin | 2.9224% | 6,394 |
| Noninterest income to average assets | 0.3282% | 5,200 |
| Noninterest expense to average assets | 4.3197% | 640 |
| Loan and lease loss provision to assets | -0.2617% | 7,174 |
| Net operating income to assets | -0.8959% | 6,884 |
| Return on assets (ROA) | -0.7052% | 6,856 |
| Pretax return on assets | -0.7052% | 6,823 |
| Return on Equity (ROE) | -6.5383% | 6,819 |
| Retained earnings to average equity (ytd only) | -6.5383% | 6,700 |
| Net charge-offs to loans | 3.6467% | 136 |
| Credit loss provision to net charge-offs | -22.3485% | 5,947 |
| Earnings coverage of net charge-offs (x) | -0.9886% | 5,306 |
| Efficiency ratio | 134.6424% | 146 |
| Assets per employee ($millions) | 4.1236% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5957% | 102 |
| Loan loss allowance to noncurrent loans | 39.7232% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 4.3011% | 1,159 |
| Noncurrent loans to loans | 14.0866% | 118 |
| Net loans and leases to total assets | 28.8250% | 6,910 |
| Net loans and leases to deposits | 32.3422% | 6,956 |
| Net loans and leases to core deposits | 34.0008% | 6,958 |
| Total domestic deposits to total assets | 89.1248% | 1,439 |
| Equity capital to assets | 10.7672% | 3,376 |
| Core capital (leverage) ratio | 9.6299% | 3,953 |
| Tier 1 risk-based capital ratio | 22.1403% | 1,263 |
| Total risk-based capital ratio | 23.4162% | 1,238 |
| Memoranda: | ||
| Average total assets | $45,095,670 | 6,464 |
| Average earning assets | $43,731,000 | 6,355 |
| Average equity | $4,863,670 | 6,428 |
| Average total loans | $14,479,000 | 6,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 6,829 |
| Cost of funding earning assets | 0.4037% | 6,389 |
| Net interest margin | 2.9816% | 6,334 |
| Noninterest income to average assets | 0.4626% | 4,208 |
| Noninterest expense to average assets | 3.7808% | 1,239 |
| Loan and lease loss provision to assets | -0.4448% | 7,250 |
| Net operating income to assets | 0.0178% | 6,384 |
| Return on assets (ROA) | 0.2313% | 6,031 |
| Pretax return on assets | 0.2313% | 6,130 |
| Return on Equity (ROE) | 2.1428% | 6,023 |
| Retained earnings to average equity (ytd only) | 2.1428% | 5,189 |
| Net charge-offs to loans | 4.1910% | 135 |
| Credit loss provision to net charge-offs | -32.2581% | 5,397 |
| Earnings coverage of net charge-offs (x) | -0.3097% | 4,469 |
| Efficiency ratio | 110.8753% | 324 |
| Assets per employee ($millions) | 3.7873% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2018% | 71 |
| Loan loss allowance to noncurrent loans | 304.7782% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 5,276 |
| Noncurrent loans to loans | 2.0349% | 3,105 |
| Net loans and leases to total assets | 29.7175% | 6,918 |
| Net loans and leases to deposits | 33.3095% | 6,976 |
| Net loans and leases to core deposits | 34.6512% | 6,977 |
| Total domestic deposits to total assets | 89.2162% | 1,542 |
| Equity capital to assets | 10.7177% | 3,243 |
| Core capital (leverage) ratio | 10.3598% | 2,916 |
| Tier 1 risk-based capital ratio | 22.6265% | 1,189 |
| Total risk-based capital ratio | 23.8995% | 1,163 |
| Memoranda: | ||
| Average total assets | $44,963,500 | 6,511 |
| Average earning assets | $43,601,000 | 6,406 |
| Average equity | $4,853,500 | 6,471 |
| Average total loans | $14,793,500 | 6,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 5,397 |
| Cost of funding earning assets | 0.4600% | 6,701 |
| Net interest margin | 3.9464% | 3,131 |
| Noninterest income to average assets | 0.1576% | 6,358 |
| Noninterest expense to average assets | 4.5326% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.6280% | 6,564 |
| Return on assets (ROA) | -0.1938% | 6,320 |
| Pretax return on assets | -0.1938% | 6,281 |
| Return on Equity (ROE) | -1.5446% | 6,299 |
| Retained earnings to average equity (ytd only) | -1.5446% | 6,096 |
| Net charge-offs to loans | 0.8905% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -1.5882% | 6,257 |
| Efficiency ratio | 114.2290% | 363 |
| Assets per employee ($millions) | 3.7066% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2294% | 44 |
| Loan loss allowance to noncurrent loans | 260.8076% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 4,717 |
| Noncurrent loans to loans | 2.7719% | 2,359 |
| Net loans and leases to total assets | 31.6779% | 6,949 |
| Net loans and leases to deposits | 35.5718% | 7,013 |
| Net loans and leases to core deposits | 37.0380% | 7,017 |
| Total domestic deposits to total assets | 89.0533% | 1,507 |
| Equity capital to assets | 10.8725% | 3,118 |
| Core capital (leverage) ratio | 10.4235% | 2,820 |
| Tier 1 risk-based capital ratio | 22.1696% | 1,215 |
| Total risk-based capital ratio | 23.5129% | 1,173 |
| Memoranda: | ||
| Average total assets | $38,697,200 | 6,715 |
| Average earning assets | $36,742,200 | 6,649 |
| Average equity | $4,855,600 | 6,492 |
| Average total loans | $17,181,000 | 6,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 4,969 |
| Cost of funding earning assets | 0.4622% | 6,846 |
| Net interest margin | 4.1141% | 2,416 |
| Noninterest income to average assets | 0.1575% | 6,469 |
| Noninterest expense to average assets | 4.6994% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6550% | 6,731 |
| Return on assets (ROA) | -0.1289% | 6,396 |
| Pretax return on assets | -0.1289% | 6,360 |
| Return on Equity (ROE) | -0.9876% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.9876% | 6,151 |
| Net charge-offs to loans | -0.1433% | 7,220 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3363% | 368 |
| Assets per employee ($millions) | 2.9313% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0546% | 30 |
| Loan loss allowance to noncurrent loans | 138.2353% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 2.2370% | 2,852 |
| Noncurrent loans to loans | 5.8267% | 978 |
| Net loans and leases to total assets | 35.2990% | 6,900 |
| Net loans and leases to deposits | 40.2043% | 6,972 |
| Net loans and leases to core deposits | 42.0310% | 6,984 |
| Total domestic deposits to total assets | 87.7991% | 2,168 |
| Equity capital to assets | 12.1522% | 2,144 |
| Core capital (leverage) ratio | 12.2611% | 1,552 |
| Tier 1 risk-based capital ratio | 22.9110% | 1,161 |
| Total risk-based capital ratio | 24.2698% | 1,125 |
| Memoranda: | ||
| Average total assets | $37,251,750 | 6,821 |
| Average earning assets | $35,195,000 | 6,766 |
| Average equity | $4,860,500 | 6,542 |
| Average total loans | $17,679,250 | 6,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 5,812 |
| Cost of funding earning assets | 0.4723% | 6,940 |
| Net interest margin | 3.8910% | 3,364 |
| Noninterest income to average assets | -0.3334% | 7,389 |
| Noninterest expense to average assets | 4.8958% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.5671% | 7,114 |
| Return on assets (ROA) | -1.2392% | 7,026 |
| Pretax return on assets | -1.2392% | 6,977 |
| Return on Equity (ROE) | -9.2563% | 6,911 |
| Retained earnings to average equity (ytd only) | -9.2563% | 6,841 |
| Net charge-offs to loans | -0.2074% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.7412% | 178 |
| Assets per employee ($millions) | 2.8875% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2764% | 49 |
| Loan loss allowance to noncurrent loans | 54.4168% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 6.7453% | 776 |
| Noncurrent loans to loans | 13.3716% | 191 |
| Net loans and leases to total assets | 43.0802% | 6,516 |
| Net loans and leases to deposits | 49.4178% | 6,643 |
| Net loans and leases to core deposits | 51.8967% | 6,673 |
| Total domestic deposits to total assets | 87.1753% | 2,640 |
| Equity capital to assets | 12.6702% | 1,696 |
| Core capital (leverage) ratio | 11.9861% | 1,604 |
| Tier 1 risk-based capital ratio | 21.0221% | 1,413 |
| Total risk-based capital ratio | 22.3758% | 1,377 |
| Memoranda: | ||
| Average total assets | $35,989,670 | 6,917 |
| Average earning assets | $33,873,330 | 6,874 |
| Average equity | $4,818,330 | 6,591 |
| Average total loans | $18,320,670 | 6,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 4,692 |
| Cost of funding earning assets | 0.4843% | 7,028 |
| Net interest margin | 4.1775% | 1,972 |
| Noninterest income to average assets | 0.1704% | 6,504 |
| Noninterest expense to average assets | 4.9523% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8632% | 6,990 |
| Return on assets (ROA) | -0.5338% | 6,825 |
| Pretax return on assets | -0.5338% | 6,772 |
| Return on Equity (ROE) | -3.8767% | 6,728 |
| Retained earnings to average equity (ytd only) | -3.8767% | 6,398 |
| Net charge-offs to loans | -0.3625% | 7,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1111% | 332 |
| Assets per employee ($millions) | 2.7593% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0861% | 60 |
| Loan loss allowance to noncurrent loans | 63.5088% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 7.4573% | 679 |
| Noncurrent loans to loans | 11.1577% | 332 |
| Net loans and leases to total assets | 46.3132% | 6,258 |
| Net loans and leases to deposits | 53.6301% | 6,331 |
| Net loans and leases to core deposits | 57.1620% | 6,332 |
| Total domestic deposits to total assets | 86.3567% | 3,301 |
| Equity capital to assets | 13.5151% | 1,178 |
| Core capital (leverage) ratio | 13.1083% | 1,092 |
| Tier 1 risk-based capital ratio | 20.7094% | 1,448 |
| Total risk-based capital ratio | 22.0570% | 1,408 |
| Memoranda: | ||
| Average total assets | $35,216,000 | 6,999 |
| Average earning assets | $33,034,500 | 6,955 |
| Average equity | $4,849,500 | 6,604 |
| Average total loans | $18,761,000 | 6,895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 4,427 |
| Cost of funding earning assets | 0.6322% | 7,056 |
| Net interest margin | 4.3948% | 1,487 |
| Noninterest income to average assets | -3.3451% | 7,654 |
| Noninterest expense to average assets | 5.2144% | 360 |
| Loan and lease loss provision to assets | 5.7192% | 48 |
| Net operating income to assets | -10.2294% | 7,640 |
| Return on assets (ROA) | -10.2294% | 7,641 |
| Pretax return on assets | -10.2294% | 7,640 |
| Return on Equity (ROE) | -53.9739% | 7,441 |
| Retained earnings to average equity (ytd only) | -53.9739% | 7,439 |
| Net charge-offs to loans | 6.1314% | 92 |
| Credit loss provision to net charge-offs | 164.1159% | 2,105 |
| Earnings coverage of net charge-offs (x) | -1.2942% | 6,651 |
| Efficiency ratio | 740.4412% | 9 |
| Assets per employee ($millions) | 2.4686% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3639% | 91 |
| Loan loss allowance to noncurrent loans | 40.7299% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 10.8475% | 358 |
| Noncurrent loans to loans | 15.6247% | 142 |
| Net loans and leases to total assets | 53.2161% | 5,751 |
| Net loans and leases to deposits | 62.0680% | 5,846 |
| Net loans and leases to core deposits | 67.0336% | 5,770 |
| Total domestic deposits to total assets | 85.7383% | 3,480 |
| Equity capital to assets | 14.0361% | 1,024 |
| Core capital (leverage) ratio | 12.8425% | 1,180 |
| Tier 1 risk-based capital ratio | 20.6443% | 1,373 |
| Total risk-based capital ratio | 21.9862% | 1,340 |
| Memoranda: | ||
| Average total assets | $38,624,000 | 6,916 |
| Average earning assets | $35,587,400 | 6,890 |
| Average equity | $7,320,200 | 5,929 |
| Average total loans | $21,952,400 | 6,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 3,932 |
| Cost of funding earning assets | 0.6518% | 7,177 |
| Net interest margin | 4.5294% | 1,192 |
| Noninterest income to average assets | -0.8140% | 7,716 |
| Noninterest expense to average assets | 4.9377% | 401 |
| Loan and lease loss provision to assets | 5.2438% | 76 |
| Net operating income to assets | -6.8347% | 7,715 |
| Return on assets (ROA) | -6.8347% | 7,717 |
| Pretax return on assets | -6.8347% | 7,708 |
| Return on Equity (ROE) | -34.1325% | 7,443 |
| Retained earnings to average equity (ytd only) | -34.1325% | 7,439 |
| Net charge-offs to loans | 7.9655% | 45 |
| Credit loss provision to net charge-offs | 115.8247% | 3,601 |
| Earnings coverage of net charge-offs (x) | -0.3514% | 6,266 |
| Efficiency ratio | 147.5377% | 213 |
| Assets per employee ($millions) | 2.7252% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8972% | 913 |
| Loan loss allowance to noncurrent loans | 54.2986% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 6.3874% | 898 |
| Noncurrent loans to loans | 5.3356% | 1,264 |
| Net loans and leases to total assets | 52.7088% | 6,012 |
| Net loans and leases to deposits | 64.5192% | 5,848 |
| Net loans and leases to core deposits | 70.0160% | 5,749 |
| Total domestic deposits to total assets | 81.6948% | 5,123 |
| Equity capital to assets | 18.1375% | 404 |
| Core capital (leverage) ratio | 16.9420% | 436 |
| Tier 1 risk-based capital ratio | 25.9673% | 774 |
| Total risk-based capital ratio | 27.2661% | 758 |
| Memoranda: | ||
| Average total assets | $39,639,750 | 6,957 |
| Average earning assets | $36,413,000 | 6,946 |
| Average equity | $7,937,500 | 5,810 |
| Average total loans | $22,530,000 | 6,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 3,728 |
| Cost of funding earning assets | 0.6722% | 7,252 |
| Net interest margin | 4.5751% | 1,051 |
| Noninterest income to average assets | 0.1046% | 7,077 |
| Noninterest expense to average assets | 4.8835% | 413 |
| Loan and lease loss provision to assets | 7.2704% | 40 |
| Net operating income to assets | -7.8435% | 7,785 |
| Return on assets (ROA) | -7.8435% | 7,787 |
| Pretax return on assets | -7.8435% | 7,780 |
| Return on Equity (ROE) | -38.0346% | 7,517 |
| Retained earnings to average equity (ytd only) | -38.0346% | 7,508 |
| Net charge-offs to loans | 11.6352% | 25 |
| Credit loss provision to net charge-offs | 108.3952% | 3,755 |
| Earnings coverage of net charge-offs (x) | -0.0854% | 5,789 |
| Efficiency ratio | 113.2948% | 500 |
| Assets per employee ($millions) | 2.4098% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,568 |
| Loan loss allowance to noncurrent loans | 43.5161% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 7.1558% | 727 |
| Noncurrent loans to loans | 5.3076% | 1,268 |
| Net loans and leases to total assets | 54.8501% | 5,867 |
| Net loans and leases to deposits | 68.0591% | 5,555 |
| Net loans and leases to core deposits | 73.8614% | 5,459 |
| Total domestic deposits to total assets | 80.5919% | 5,537 |
| Equity capital to assets | 19.2836% | 324 |
| Core capital (leverage) ratio | 17.7018% | 376 |
| Tier 1 risk-based capital ratio | 26.7469% | 717 |
| Total risk-based capital ratio | 28.0401% | 702 |
| Memoranda: | ||
| Average total assets | $40,135,330 | 6,995 |
| Average earning assets | $36,895,330 | 6,972 |
| Average equity | $8,276,670 | 5,703 |
| Average total loans | $23,136,670 | 6,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 4,304 |
| Cost of funding earning assets | 0.7160% | 7,300 |
| Net interest margin | 4.4327% | 1,287 |
| Noninterest income to average assets | 0.0977% | 7,217 |
| Noninterest expense to average assets | 4.8577% | 411 |
| Loan and lease loss provision to assets | 2.6585% | 387 |
| Net operating income to assets | -3.3036% | 7,663 |
| Return on assets (ROA) | -3.3036% | 7,661 |
| Pretax return on assets | -3.3036% | 7,623 |
| Return on Equity (ROE) | -15.5447% | 7,331 |
| Retained earnings to average equity (ytd only) | -15.5447% | 7,233 |
| Net charge-offs to loans | 3.9697% | 333 |
| Credit loss provision to net charge-offs | 114.7679% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.2785% | 5,197 |
| Efficiency ratio | 115.3132% | 508 |
| Assets per employee ($millions) | 2.4926% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 2,954 |
| Loan loss allowance to noncurrent loans | 30.9384% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 5.2005% | 1,216 |
| Noncurrent loans to loans | 5.5987% | 1,240 |
| Net loans and leases to total assets | 60.0311% | 5,117 |
| Net loans and leases to deposits | 76.5549% | 4,309 |
| Net loans and leases to core deposits | 83.0189% | 4,336 |
| Total domestic deposits to total assets | 78.4158% | 6,222 |
| Equity capital to assets | 21.4087% | 231 |
| Core capital (leverage) ratio | 21.3506% | 204 |
| Tier 1 risk-based capital ratio | 29.7059% | 541 |
| Total risk-based capital ratio | 30.9911% | 521 |
| Memoranda: | ||
| Average total assets | $40,925,000 | 7,057 |
| Average earning assets | $37,990,000 | 7,020 |
| Average equity | $8,697,500 | 5,631 |
| Average total loans | $23,881,000 | 6,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 4,744 |
| Cost of funding earning assets | 1.4391% | 5,767 |
| Net interest margin | 3.9513% | 3,073 |
| Noninterest income to average assets | -0.1697% | 7,842 |
| Noninterest expense to average assets | 5.0293% | 509 |
| Loan and lease loss provision to assets | 1.4257% | 1,609 |
| Net operating income to assets | -2.9325% | 7,378 |
| Return on assets (ROA) | -2.9274% | 7,390 |
| Pretax return on assets | -2.9274% | 7,271 |
| Return on Equity (ROE) | -12.3748% | 6,791 |
| Retained earnings to average equity (ytd only) | -12.3748% | 6,710 |
| Net charge-offs to loans | 2.1875% | 1,096 |
| Credit loss provision to net charge-offs | 103.8745% | 5,318 |
| Earnings coverage of net charge-offs (x) | -1.0978% | 6,898 |
| Efficiency ratio | 142.7750% | 363 |
| Assets per employee ($millions) | 2.4688% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 3,071 |
| Loan loss allowance to noncurrent loans | 43.0000% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 3.8362% | 1,735 |
| Noncurrent loans to loans | 3.8463% | 1,936 |
| Net loans and leases to total assets | 54.8309% | 6,100 |
| Net loans and leases to deposits | 69.6932% | 5,645 |
| Net loans and leases to core deposits | 96.7989% | 4,373 |
| Total domestic deposits to total assets | 78.6747% | 6,077 |
| Equity capital to assets | 21.1037% | 246 |
| Core capital (leverage) ratio | 20.9782% | 241 |
| Tier 1 risk-based capital ratio | 31.2433% | 467 |
| Total risk-based capital ratio | 32.5287% | 465 |
| Memoranda: | ||
| Average total assets | $39,488,400 | 7,117 |
| Average earning assets | $36,899,000 | 7,062 |
| Average equity | $9,341,600 | 5,493 |
| Average total loans | $24,777,600 | 6,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 4,940 |
| Cost of funding earning assets | 1.5575% | 5,598 |
| Net interest margin | 3.8442% | 3,460 |
| Noninterest income to average assets | 0.0823% | 7,489 |
| Noninterest expense to average assets | 5.0083% | 483 |
| Loan and lease loss provision to assets | 1.9313% | 951 |
| Net operating income to assets | -3.2588% | 7,641 |
| Return on assets (ROA) | -3.2588% | 7,645 |
| Pretax return on assets | -3.2588% | 7,560 |
| Return on Equity (ROE) | -13.3855% | 7,101 |
| Retained earnings to average equity (ytd only) | -13.3855% | 7,035 |
| Net charge-offs to loans | 2.8765% | 606 |
| Credit loss provision to net charge-offs | 103.8745% | 4,897 |
| Earnings coverage of net charge-offs (x) | -0.7140% | 6,568 |
| Efficiency ratio | 136.0671% | 410 |
| Assets per employee ($millions) | 2.6237% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 3,158 |
| Loan loss allowance to noncurrent loans | 43.0000% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 4.3450% | 1,421 |
| Noncurrent loans to loans | 3.6289% | 2,060 |
| Net loans and leases to total assets | 62.0337% | 5,235 |
| Net loans and leases to deposits | 81.0020% | 4,197 |
| Net loans and leases to core deposits | 108.2517% | 3,437 |
| Total domestic deposits to total assets | 76.5830% | 6,450 |
| Equity capital to assets | 23.1045% | 211 |
| Core capital (leverage) ratio | 23.0186% | 207 |
| Tier 1 risk-based capital ratio | 31.4126% | 498 |
| Total risk-based capital ratio | 32.6962% | 483 |
| Memoranda: | ||
| Average total assets | $38,868,250 | 7,204 |
| Average earning assets | $36,382,750 | 7,141 |
| Average equity | $9,462,750 | 5,501 |
| Average total loans | $25,122,250 | 6,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 5,065 |
| Cost of funding earning assets | 1.6597% | 5,473 |
| Net interest margin | 3.7550% | 3,734 |
| Noninterest income to average assets | 0.0775% | 7,597 |
| Noninterest expense to average assets | 5.0225% | 505 |
| Loan and lease loss provision to assets | 2.9091% | 523 |
| Net operating income to assets | -4.3353% | 7,875 |
| Return on assets (ROA) | -4.3353% | 7,868 |
| Pretax return on assets | -4.3353% | 7,785 |
| Return on Equity (ROE) | -17.5047% | 7,440 |
| Retained earnings to average equity (ytd only) | -17.5047% | 7,372 |
| Net charge-offs to loans | 3.5039% | 445 |
| Credit loss provision to net charge-offs | 127.3756% | 3,655 |
| Earnings coverage of net charge-offs (x) | -0.6244% | 6,129 |
| Efficiency ratio | 139.6552% | 435 |
| Assets per employee ($millions) | 2.4844% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,844 |
| Loan loss allowance to noncurrent loans | 53.5165% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.2893% | 2,845 |
| Noncurrent loans to loans | 3.5139% | 1,993 |
| Net loans and leases to total assets | 63.9245% | 5,002 |
| Net loans and leases to deposits | 83.2269% | 4,012 |
| Net loans and leases to core deposits | 110.9268% | 3,264 |
| Total domestic deposits to total assets | 76.8075% | 6,372 |
| Equity capital to assets | 22.8956% | 251 |
| Core capital (leverage) ratio | 22.6146% | 257 |
| Tier 1 risk-based capital ratio | 31.5496% | 518 |
| Total risk-based capital ratio | 32.8370% | 503 |
| Memoranda: | ||
| Average total assets | $38,705,670 | 7,269 |
| Average earning assets | $36,271,330 | 7,211 |
| Average equity | $9,586,000 | 5,489 |
| Average total loans | $25,229,330 | 7,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 6,174 |
| Cost of funding earning assets | 1.7709% | 5,256 |
| Net interest margin | 3.4633% | 4,883 |
| Noninterest income to average assets | 0.0838% | 7,636 |
| Noninterest expense to average assets | 5.1541% | 433 |
| Loan and lease loss provision to assets | 1.2676% | 1,009 |
| Net operating income to assets | -3.1008% | 7,861 |
| Return on assets (ROA) | -3.1008% | 7,862 |
| Pretax return on assets | -3.1008% | 7,777 |
| Return on Equity (ROE) | -12.0466% | 7,478 |
| Retained earnings to average equity (ytd only) | -12.0466% | 7,269 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.2050% | 329 |
| Assets per employee ($millions) | 2.3521% | 7,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9181% | 1,584 |
| Loan loss allowance to noncurrent loans | 38.9600% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 3.1261% | 1,796 |
| Noncurrent loans to loans | 4.9232% | 1,107 |
| Net loans and leases to total assets | 62.2793% | 5,275 |
| Net loans and leases to deposits | 82.6628% | 4,182 |
| Net loans and leases to core deposits | 118.9028% | 2,512 |
| Total domestic deposits to total assets | 75.3414% | 6,636 |
| Equity capital to assets | 24.2135% | 242 |
| Core capital (leverage) ratio | 26.0474% | 210 |
| Tier 1 risk-based capital ratio | 33.9048% | 469 |
| Total risk-based capital ratio | 35.1922% | 462 |
| Memoranda: | ||
| Average total assets | $38,183,500 | 7,329 |
| Average earning assets | $35,689,000 | 7,272 |
| Average equity | $9,828,500 | 5,444 |
| Average total loans | $24,895,500 | 7,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 7,639 |
| Cost of funding earning assets | 2.5338% | 4,032 |
| Net interest margin | 2.7278% | 7,451 |
| Noninterest income to average assets | 0.0728% | 7,776 |
| Noninterest expense to average assets | 4.9135% | 657 |
| Loan and lease loss provision to assets | 0.7087% | 2,081 |
| Net operating income to assets | -2.9890% | 7,823 |
| Return on assets (ROA) | -2.9890% | 7,794 |
| Pretax return on assets | -2.9890% | 7,704 |
| Return on Equity (ROE) | -10.2193% | 7,291 |
| Retained earnings to average equity (ytd only) | -10.2193% | 7,089 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.5957% | 227 |
| Assets per employee ($millions) | 2.1401% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.0647% | 4,835 |
| Net loans and leases to deposits | 91.1902% | 3,264 |
| Net loans and leases to core deposits | 126.0687% | 2,159 |
| Total domestic deposits to total assets | 72.4472% | 6,922 |
| Equity capital to assets | 27.4182% | 212 |
| Core capital (leverage) ratio | 27.9930% | 208 |
| Tier 1 risk-based capital ratio | 36.5316% | 408 |
| Total risk-based capital ratio | 37.8185% | 400 |
| Memoranda: | ||
| Average total assets | $35,697,800 | 7,397 |
| Average earning assets | $33,507,000 | 7,347 |
| Average equity | $10,441,000 | 5,284 |
| Average total loans | $16,153,200 | 7,576 |