Home > Sunrise Bank > Performance and Condition Ratios
Sunrise 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 | 4.2658% | 3,041 |
| Cost of funding earning assets | 0.9254% | 874 |
| Net interest margin | 3.3404% | 4,351 |
| Noninterest income to average assets | 0.2026% | 6,029 |
| Noninterest expense to average assets | 7.2171% | 143 |
| Loan and lease loss provision to assets | 0.2342% | 1,557 |
| Net operating income to assets | -4.4379% | 6,989 |
| Return on assets (ROA) | -4.4379% | 6,989 |
| Pretax return on assets | -4.4379% | 6,988 |
| Return on Equity (ROE) | -244.0383% | 7,016 |
| Retained earnings to average equity (ytd only) | -244.0383% | 7,016 |
| Net charge-offs to loans | 1.4483% | 379 |
| Credit loss provision to net charge-offs | 23.7179% | 2,986 |
| Earnings coverage of net charge-offs (x) | -4.2564% | 4,063 |
| Efficiency ratio | 239.4958% | 21 |
| Assets per employee ($millions) | 2.6432% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6280% | 50 |
| Loan loss allowance to noncurrent loans | 27.6120% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 25.8533% | 5 |
| Noncurrent loans to loans | 24.0040% | 13 |
| Net loans and leases to total assets | 63.2622% | 2,839 |
| Net loans and leases to deposits | 66.5669% | 3,976 |
| Net loans and leases to core deposits | 67.8493% | 4,319 |
| Total domestic deposits to total assets | 95.0356% | 46 |
| Equity capital to assets | 1.4558% | 7,011 |
| Core capital (leverage) ratio | 1.3940% | 7,012 |
| Tier 1 risk-based capital ratio | 2.0769% | 7,010 |
| Total risk-based capital ratio | 3.3928% | 7,009 |
| Memoranda: | ||
| Average total assets | $63,183,500 | 5,831 |
| Average earning assets | $53,167,000 | 5,936 |
| Average equity | $1,149,000 | 6,983 |
| Average total loans | $43,085,500 | 5,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 2,495 |
| Cost of funding earning assets | 1.2558% | 445 |
| Net interest margin | 3.4687% | 4,634 |
| Noninterest income to average assets | -1.3018% | 7,066 |
| Noninterest expense to average assets | 6.4996% | 182 |
| Loan and lease loss provision to assets | 0.2192% | 2,941 |
| Net operating income to assets | -5.1010% | 7,059 |
| Return on assets (ROA) | -5.1023% | 7,061 |
| Pretax return on assets | -5.1023% | 7,061 |
| Return on Equity (ROE) | -238.7365% | 7,082 |
| Retained earnings to average equity (ytd only) | -238.7365% | 7,082 |
| Net charge-offs to loans | 2.6143% | 228 |
| Credit loss provision to net charge-offs | 11.6595% | 5,380 |
| Earnings coverage of net charge-offs (x) | -2.5966% | 5,857 |
| Efficiency ratio | 401.7456% | 12 |
| Assets per employee ($millions) | 2.8510% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3336% | 60 |
| Loan loss allowance to noncurrent loans | 31.6661% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 24.1895% | 14 |
| Noncurrent loans to loans | 20.0013% | 29 |
| Net loans and leases to total assets | 64.2526% | 2,861 |
| Net loans and leases to deposits | 69.0377% | 3,832 |
| Net loans and leases to core deposits | 72.6068% | 3,962 |
| Total domestic deposits to total assets | 93.0689% | 124 |
| Equity capital to assets | 2.1548% | 7,064 |
| Core capital (leverage) ratio | 2.0732% | 7,060 |
| Tier 1 risk-based capital ratio | 3.0608% | 7,054 |
| Total risk-based capital ratio | 4.3713% | 7,054 |
| Memoranda: | ||
| Average total assets | $74,358,000 | 5,498 |
| Average earning assets | $62,588,800 | 5,650 |
| Average equity | $1,589,200 | 7,015 |
| Average total loans | $53,475,400 | 4,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 2,537 |
| Cost of funding earning assets | 1.2907% | 455 |
| Net interest margin | 3.4695% | 4,762 |
| Noninterest income to average assets | -2.0969% | 7,176 |
| Noninterest expense to average assets | 6.3936% | 182 |
| Loan and lease loss provision to assets | 0.2821% | 2,311 |
| Net operating income to assets | -5.8467% | 7,168 |
| Return on assets (ROA) | -5.8467% | 7,168 |
| Pretax return on assets | -5.8467% | 7,169 |
| Return on Equity (ROE) | -274.0481% | 7,178 |
| Retained earnings to average equity (ytd only) | -274.0481% | 7,178 |
| Net charge-offs to loans | 3.0360% | 179 |
| Credit loss provision to net charge-offs | 12.7962% | 5,046 |
| Earnings coverage of net charge-offs (x) | -2.5237% | 5,668 |
| Efficiency ratio | 771.2185% | 4 |
| Assets per employee ($millions) | 3.2200% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0616% | 64 |
| Loan loss allowance to noncurrent loans | 32.0568% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 23.3805% | 17 |
| Noncurrent loans to loans | 18.9089% | 50 |
| Net loans and leases to total assets | 65.1911% | 2,802 |
| Net loans and leases to deposits | 70.8411% | 3,781 |
| Net loans and leases to core deposits | 73.4143% | 4,062 |
| Total domestic deposits to total assets | 92.0244% | 205 |
| Equity capital to assets | 2.0610% | 7,164 |
| Core capital (leverage) ratio | 2.0014% | 7,165 |
| Tier 1 risk-based capital ratio | 2.8782% | 7,162 |
| Total risk-based capital ratio | 4.1850% | 7,161 |
| Memoranda: | ||
| Average total assets | $76,554,000 | 5,501 |
| Average earning assets | $64,561,750 | 5,657 |
| Average equity | $1,633,250 | 7,103 |
| Average total loans | $55,598,750 | 4,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 2,550 |
| Cost of funding earning assets | 1.3399% | 446 |
| Net interest margin | 3.4494% | 4,885 |
| Noninterest income to average assets | -2.7709% | 7,241 |
| Noninterest expense to average assets | 6.2938% | 195 |
| Loan and lease loss provision to assets | 0.4130% | 1,591 |
| Net operating income to assets | -6.5640% | 7,227 |
| Return on assets (ROA) | -6.5640% | 7,228 |
| Pretax return on assets | -6.5640% | 7,229 |
| Return on Equity (ROE) | -304.5535% | 7,239 |
| Retained earnings to average equity (ytd only) | -304.5535% | 7,239 |
| Net charge-offs to loans | 3.0167% | 195 |
| Credit loss provision to net charge-offs | 18.5993% | 4,632 |
| Earnings coverage of net charge-offs (x) | -2.7704% | 5,406 |
| Efficiency ratio | 4,408.9286% | 1 |
| Assets per employee ($millions) | 3.1151% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3032% | 71 |
| Loan loss allowance to noncurrent loans | 35.9234% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 22.5660% | 25 |
| Noncurrent loans to loans | 17.5463% | 66 |
| Net loans and leases to total assets | 67.1040% | 2,444 |
| Net loans and leases to deposits | 72.7108% | 3,497 |
| Net loans and leases to core deposits | 75.4705% | 3,822 |
| Total domestic deposits to total assets | 92.2890% | 187 |
| Equity capital to assets | 2.1013% | 7,222 |
| Core capital (leverage) ratio | 2.0550% | 7,217 |
| Tier 1 risk-based capital ratio | 2.9036% | 7,220 |
| Total risk-based capital ratio | 4.2157% | 7,219 |
| Memoranda: | ||
| Average total assets | $78,458,330 | 5,483 |
| Average earning assets | $66,272,330 | 5,636 |
| Average equity | $1,691,000 | 7,148 |
| Average total loans | $57,744,330 | 4,880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 1,981 |
| Cost of funding earning assets | 1.3835% | 448 |
| Net interest margin | 3.5889% | 4,310 |
| Noninterest income to average assets | -3.2326% | 7,307 |
| Noninterest expense to average assets | 6.1863% | 188 |
| Loan and lease loss provision to assets | 0.8069% | 606 |
| Net operating income to assets | -7.2025% | 7,289 |
| Return on assets (ROA) | -7.2025% | 7,289 |
| Pretax return on assets | -7.2025% | 7,289 |
| Return on Equity (ROE) | -330.3255% | 7,299 |
| Retained earnings to average equity (ytd only) | -330.3255% | 7,299 |
| Net charge-offs to loans | 3.3086% | 205 |
| Credit loss provision to net charge-offs | 32.7273% | 3,576 |
| Earnings coverage of net charge-offs (x) | -2.5939% | 4,633 |
| Efficiency ratio | -2,957.1429% | 7,305 |
| Assets per employee ($millions) | 3.3120% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5255% | 56 |
| Loan loss allowance to noncurrent loans | 40.9677% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 22.0980% | 31 |
| Noncurrent loans to loans | 15.9285% | 106 |
| Net loans and leases to total assets | 67.5972% | 2,188 |
| Net loans and leases to deposits | 73.0408% | 3,268 |
| Net loans and leases to core deposits | 75.0664% | 3,737 |
| Total domestic deposits to total assets | 92.5472% | 181 |
| Equity capital to assets | 2.1261% | 7,275 |
| Core capital (leverage) ratio | 2.1104% | 7,275 |
| Tier 1 risk-based capital ratio | 2.9345% | 7,276 |
| Total risk-based capital ratio | 4.2495% | 7,276 |
| Memoranda: | ||
| Average total assets | $80,306,000 | 5,464 |
| Average earning assets | $67,652,500 | 5,635 |
| Average equity | $1,751,000 | 7,191 |
| Average total loans | $59,844,500 | 4,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 3,661 |
| Cost of funding earning assets | 1.7168% | 302 |
| Net interest margin | 3.1145% | 6,313 |
| Noninterest income to average assets | -0.2337% | 7,172 |
| Noninterest expense to average assets | 6.0930% | 199 |
| Loan and lease loss provision to assets | 1.9538% | 314 |
| Net operating income to assets | -5.7858% | 7,320 |
| Return on assets (ROA) | -5.7962% | 7,320 |
| Pretax return on assets | -5.6152% | 7,320 |
| Return on Equity (ROE) | -275.5975% | 7,352 |
| Retained earnings to average equity (ytd only) | -275.5975% | 7,352 |
| Net charge-offs to loans | 3.0925% | 298 |
| Credit loss provision to net charge-offs | 86.6911% | 4,172 |
| Earnings coverage of net charge-offs (x) | -1.6200% | 6,260 |
| Efficiency ratio | 249.5129% | 35 |
| Assets per employee ($millions) | 3.0046% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5652% | 66 |
| Loan loss allowance to noncurrent loans | 48.6306% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 21.2586% | 40 |
| Noncurrent loans to loans | 13.5001% | 164 |
| Net loans and leases to total assets | 71.6462% | 1,700 |
| Net loans and leases to deposits | 77.3931% | 2,941 |
| Net loans and leases to core deposits | 79.5769% | 3,502 |
| Total domestic deposits to total assets | 92.5744% | 172 |
| Equity capital to assets | 2.2336% | 7,310 |
| Core capital (leverage) ratio | 2.1600% | 7,311 |
| Tier 1 risk-based capital ratio | 2.9672% | 7,315 |
| Total risk-based capital ratio | 4.2850% | 7,315 |
| Memoranda: | ||
| Average total assets | $96,684,800 | 4,988 |
| Average earning assets | $83,063,800 | 5,141 |
| Average equity | $2,033,400 | 7,204 |
| Average total loans | $70,461,200 | 4,473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 4,324 |
| Cost of funding earning assets | 1.7626% | 299 |
| Net interest margin | 2.9669% | 6,642 |
| Noninterest income to average assets | -0.3447% | 7,313 |
| Noninterest expense to average assets | 5.8622% | 216 |
| Loan and lease loss provision to assets | 2.2484% | 222 |
| Net operating income to assets | -6.1074% | 7,401 |
| Return on assets (ROA) | -6.1074% | 7,402 |
| Pretax return on assets | -5.8980% | 7,399 |
| Return on Equity (ROE) | -294.0759% | 7,430 |
| Retained earnings to average equity (ytd only) | -294.0759% | 7,430 |
| Net charge-offs to loans | 3.2117% | 277 |
| Credit loss provision to net charge-offs | 97.0807% | 3,529 |
| Earnings coverage of net charge-offs (x) | -1.5758% | 5,992 |
| Efficiency ratio | 264.9491% | 26 |
| Assets per employee ($millions) | 3.0576% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5730% | 61 |
| Loan loss allowance to noncurrent loans | 50.5732% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 20.0878% | 51 |
| Noncurrent loans to loans | 12.9970% | 200 |
| Net loans and leases to total assets | 71.7710% | 1,763 |
| Net loans and leases to deposits | 76.4349% | 3,260 |
| Net loans and leases to core deposits | 79.6810% | 3,688 |
| Total domestic deposits to total assets | 93.8982% | 85 |
| Equity capital to assets | 2.1772% | 7,391 |
| Core capital (leverage) ratio | 2.0087% | 7,403 |
| Tier 1 risk-based capital ratio | 2.8858% | 7,397 |
| Total risk-based capital ratio | 4.2030% | 7,397 |
| Memoranda: | ||
| Average total assets | $100,574,750 | 4,912 |
| Average earning assets | $86,689,000 | 5,074 |
| Average equity | $2,088,750 | 7,270 |
| Average total loans | $72,524,750 | 4,436 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 5,012 |
| Cost of funding earning assets | 1.7772% | 342 |
| Net interest margin | 2.8112% | 6,912 |
| Noninterest income to average assets | -0.7995% | 7,462 |
| Noninterest expense to average assets | 5.7028% | 239 |
| Loan and lease loss provision to assets | 2.1769% | 265 |
| Net operating income to assets | -6.5421% | 7,473 |
| Return on assets (ROA) | -6.5421% | 7,476 |
| Pretax return on assets | -6.2428% | 7,466 |
| Return on Equity (ROE) | -319.1799% | 7,502 |
| Retained earnings to average equity (ytd only) | -319.1799% | 7,502 |
| Net charge-offs to loans | 3.1561% | 312 |
| Credit loss provision to net charge-offs | 97.3729% | 3,240 |
| Earnings coverage of net charge-offs (x) | -1.8186% | 5,705 |
| Efficiency ratio | 348.3796% | 19 |
| Assets per employee ($millions) | 3.4926% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1640% | 87 |
| Loan loss allowance to noncurrent loans | 46.6839% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 17.2722% | 100 |
| Noncurrent loans to loans | 13.2036% | 196 |
| Net loans and leases to total assets | 67.6071% | 2,691 |
| Net loans and leases to deposits | 72.9778% | 3,960 |
| Net loans and leases to core deposits | 80.0744% | 3,777 |
| Total domestic deposits to total assets | 92.6406% | 152 |
| Equity capital to assets | 1.8498% | 7,481 |
| Core capital (leverage) ratio | 1.7925% | 7,477 |
| Tier 1 risk-based capital ratio | 2.6031% | 7,475 |
| Total risk-based capital ratio | 3.9148% | 7,475 |
| Memoranda: | ||
| Average total assets | $105,561,670 | 4,809 |
| Average earning assets | $91,489,670 | 4,949 |
| Average equity | $2,163,670 | 7,325 |
| Average total loans | $74,776,670 | 4,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,971 |
| Cost of funding earning assets | 1.7991% | 380 |
| Net interest margin | 2.7949% | 6,911 |
| Noninterest income to average assets | 0.2449% | 5,939 |
| Noninterest expense to average assets | 5.5662% | 247 |
| Loan and lease loss provision to assets | 0.7821% | 1,092 |
| Net operating income to assets | -3.6621% | 7,433 |
| Return on assets (ROA) | -3.6621% | 7,438 |
| Pretax return on assets | -3.6621% | 7,420 |
| Return on Equity (ROE) | -171.2089% | 7,531 |
| Retained earnings to average equity (ytd only) | -171.2089% | 7,527 |
| Net charge-offs to loans | 4.1749% | 211 |
| Credit loss provision to net charge-offs | 26.6501% | 4,174 |
| Earnings coverage of net charge-offs (x) | -0.9813% | 4,891 |
| Efficiency ratio | 207.2109% | 60 |
| Assets per employee ($millions) | 3.6559% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1047% | 180 |
| Loan loss allowance to noncurrent loans | 40.0953% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 16.3985% | 120 |
| Noncurrent loans to loans | 12.7315% | 240 |
| Net loans and leases to total assets | 66.3655% | 2,910 |
| Net loans and leases to deposits | 72.8951% | 3,939 |
| Net loans and leases to core deposits | 80.9494% | 3,610 |
| Total domestic deposits to total assets | 91.0424% | 606 |
| Equity capital to assets | 2.0647% | 7,530 |
| Core capital (leverage) ratio | 2.0215% | 7,533 |
| Tier 1 risk-based capital ratio | 3.0329% | 7,520 |
| Total risk-based capital ratio | 4.3327% | 7,521 |
| Memoranda: | ||
| Average total assets | $109,446,000 | 4,748 |
| Average earning assets | $95,602,000 | 4,863 |
| Average equity | $2,341,000 | 7,329 |
| Average total loans | $76,936,000 | 4,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 5,911 |
| Cost of funding earning assets | 2.0801% | 456 |
| Net interest margin | 2.5843% | 7,221 |
| Noninterest income to average assets | -0.6513% | 7,585 |
| Noninterest expense to average assets | 4.9956% | 412 |
| Loan and lease loss provision to assets | 3.3335% | 252 |
| Net operating income to assets | -6.6396% | 7,594 |
| Return on assets (ROA) | -6.6474% | 7,597 |
| Pretax return on assets | -6.6985% | 7,604 |
| Return on Equity (ROE) | -140.3634% | 7,632 |
| Retained earnings to average equity (ytd only) | -140.3634% | 7,632 |
| Net charge-offs to loans | 4.3629% | 261 |
| Credit loss provision to net charge-offs | 105.5279% | 4,249 |
| Earnings coverage of net charge-offs (x) | -1.0627% | 6,620 |
| Efficiency ratio | 293.0869% | 30 |
| Assets per employee ($millions) | 4.3412% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4864% | 143 |
| Loan loss allowance to noncurrent loans | 41.8525% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 15.8749% | 138 |
| Noncurrent loans to loans | 13.1088% | 232 |
| Net loans and leases to total assets | 66.7591% | 3,285 |
| Net loans and leases to deposits | 73.1080% | 4,342 |
| Net loans and leases to core deposits | 87.1725% | 3,158 |
| Total domestic deposits to total assets | 91.3157% | 454 |
| Equity capital to assets | 2.2087% | 7,608 |
| Core capital (leverage) ratio | 2.1399% | 7,606 |
| Tier 1 risk-based capital ratio | 3.2886% | 7,592 |
| Total risk-based capital ratio | 4.5943% | 7,591 |
| Memoranda: | ||
| Average total assets | $127,132,200 | 4,334 |
| Average earning assets | $112,641,000 | 4,408 |
| Average equity | $6,020,800 | 6,357 |
| Average total loans | $92,048,600 | 4,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 5,962 |
| Cost of funding earning assets | 2.1221% | 499 |
| Net interest margin | 2.5929% | 7,320 |
| Noninterest income to average assets | -0.6692% | 7,702 |
| Noninterest expense to average assets | 4.7130% | 483 |
| Loan and lease loss provision to assets | 3.5582% | 201 |
| Net operating income to assets | -6.5708% | 7,709 |
| Return on assets (ROA) | -6.5809% | 7,710 |
| Pretax return on assets | -6.6472% | 7,704 |
| Return on Equity (ROE) | -124.6043% | 7,713 |
| Retained earnings to average equity (ytd only) | -124.6043% | 7,713 |
| Net charge-offs to loans | 5.2012% | 160 |
| Credit loss provision to net charge-offs | 93.9908% | 4,613 |
| Earnings coverage of net charge-offs (x) | -0.8133% | 6,418 |
| Efficiency ratio | 288.3895% | 30 |
| Assets per employee ($millions) | 4.1579% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6375% | 230 |
| Loan loss allowance to noncurrent loans | 37.3337% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 14.5199% | 172 |
| Noncurrent loans to loans | 12.4217% | 261 |
| Net loans and leases to total assets | 67.0050% | 3,461 |
| Net loans and leases to deposits | 74.9418% | 4,349 |
| Net loans and leases to core deposits | 90.0513% | 3,083 |
| Total domestic deposits to total assets | 89.4094% | 1,167 |
| Equity capital to assets | 3.4575% | 7,669 |
| Core capital (leverage) ratio | 3.1614% | 7,667 |
| Tier 1 risk-based capital ratio | 4.9117% | 7,642 |
| Total risk-based capital ratio | 6.2068% | 7,644 |
| Memoranda: | ||
| Average total assets | $130,697,750 | 4,310 |
| Average earning assets | $116,107,250 | 4,382 |
| Average equity | $6,902,750 | 6,147 |
| Average total loans | $95,129,500 | 3,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 6,400 |
| Cost of funding earning assets | 2.2159% | 439 |
| Net interest margin | 2.4049% | 7,471 |
| Noninterest income to average assets | 0.1372% | 6,901 |
| Noninterest expense to average assets | 3.1025% | 3,309 |
| Loan and lease loss provision to assets | 3.1330% | 309 |
| Net operating income to assets | -3.8191% | 7,604 |
| Return on assets (ROA) | -3.8191% | 7,613 |
| Pretax return on assets | -3.8191% | 7,580 |
| Return on Equity (ROE) | -58.2897% | 7,649 |
| Retained earnings to average equity (ytd only) | -58.2897% | 7,646 |
| Net charge-offs to loans | 3.8677% | 345 |
| Credit loss provision to net charge-offs | 106.3389% | 3,836 |
| Earnings coverage of net charge-offs (x) | -0.2329% | 5,890 |
| Efficiency ratio | 128.3912% | 324 |
| Assets per employee ($millions) | 7.1807% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8109% | 991 |
| Loan loss allowance to noncurrent loans | 46.8778% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 7.2933% | 708 |
| Noncurrent loans to loans | 5.9963% | 1,069 |
| Net loans and leases to total assets | 72.2948% | 2,325 |
| Net loans and leases to deposits | 85.8023% | 2,541 |
| Net loans and leases to core deposits | 99.1893% | 2,104 |
| Total domestic deposits to total assets | 84.2574% | 3,983 |
| Equity capital to assets | 5.6620% | 7,576 |
| Core capital (leverage) ratio | 5.5393% | 7,546 |
| Tier 1 risk-based capital ratio | 9.2667% | 7,349 |
| Total risk-based capital ratio | 10.5431% | 7,340 |
| Memoranda: | ||
| Average total assets | $52,473,670 | 6,563 |
| Average earning assets | $49,732,000 | 6,483 |
| Average equity | $3,438,000 | 7,283 |
| Average total loans | $39,972,330 | 6,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 6,669 |
| Cost of funding earning assets | 2.2101% | 571 |
| Net interest margin | 2.3438% | 7,566 |
| Noninterest income to average assets | 0.0896% | 7,257 |
| Noninterest expense to average assets | 3.2252% | 2,773 |
| Loan and lease loss provision to assets | 0.7914% | 1,598 |
| Net operating income to assets | -1.7022% | 7,386 |
| Return on assets (ROA) | -1.7022% | 7,390 |
| Pretax return on assets | -1.7022% | 7,318 |
| Return on Equity (ROE) | -24.4242% | 7,493 |
| Retained earnings to average equity (ytd only) | -24.4242% | 7,450 |
| Net charge-offs to loans | 2.5398% | 642 |
| Credit loss provision to net charge-offs | 40.4580% | 4,635 |
| Earnings coverage of net charge-offs (x) | -0.4656% | 5,269 |
| Efficiency ratio | 139.3548% | 262 |
| Assets per employee ($millions) | 7.4284% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 1,968 |
| Loan loss allowance to noncurrent loans | 51.0561% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 5.9251% | 1,022 |
| Noncurrent loans to loans | 4.1033% | 1,890 |
| Net loans and leases to total assets | 76.0322% | 1,539 |
| Net loans and leases to deposits | 91.2355% | 1,722 |
| Net loans and leases to core deposits | 105.0930% | 1,649 |
| Total domestic deposits to total assets | 83.3362% | 4,460 |
| Equity capital to assets | 6.9617% | 7,390 |
| Core capital (leverage) ratio | 6.8162% | 7,346 |
| Tier 1 risk-based capital ratio | 10.9917% | 6,163 |
| Total risk-based capital ratio | 12.2578% | 6,122 |
| Memoranda: | ||
| Average total assets | $53,578,000 | 6,617 |
| Average earning assets | $50,856,500 | 6,513 |
| Average equity | $3,734,000 | 7,274 |
| Average total loans | $41,263,500 | 6,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 6,834 |
| Cost of funding earning assets | 2.5796% | 829 |
| Net interest margin | 2.2732% | 7,608 |
| Noninterest income to average assets | 0.3275% | 5,738 |
| Noninterest expense to average assets | 2.9102% | 4,501 |
| Loan and lease loss provision to assets | 1.0721% | 2,142 |
| Net operating income to assets | -2.9406% | 7,381 |
| Return on assets (ROA) | -2.9406% | 7,391 |
| Pretax return on assets | -1.4766% | 6,689 |
| Return on Equity (ROE) | -34.3724% | 7,479 |
| Retained earnings to average equity (ytd only) | -34.3724% | 7,466 |
| Net charge-offs to loans | 0.9142% | 2,563 |
| Credit loss provision to net charge-offs | 138.6574% | 3,543 |
| Earnings coverage of net charge-offs (x) | -0.5231% | 6,703 |
| Efficiency ratio | 116.1429% | 667 |
| Assets per employee ($millions) | 6.8946% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3775% | 1,378 |
| Loan loss allowance to noncurrent loans | 84.5570% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 4.6431% | 1,376 |
| Noncurrent loans to loans | 2.8117% | 2,749 |
| Net loans and leases to total assets | 74.5925% | 2,124 |
| Net loans and leases to deposits | 90.9197% | 2,060 |
| Net loans and leases to core deposits | 98.5579% | 4,171 |
| Total domestic deposits to total assets | 82.0422% | 4,929 |
| Equity capital to assets | 6.9764% | 7,380 |
| Core capital (leverage) ratio | 7.1170% | 7,144 |
| Tier 1 risk-based capital ratio | 11.1913% | 5,731 |
| Total risk-based capital ratio | 12.4622% | 5,656 |
| Memoranda: | ||
| Average total assets | $55,872,800 | 6,498 |
| Average earning assets | $53,536,000 | 6,393 |
| Average equity | $4,780,000 | 7,030 |
| Average total loans | $47,252,800 | 5,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 6,679 |
| Cost of funding earning assets | 2.6598% | 884 |
| Net interest margin | 2.3152% | 7,631 |
| Noninterest income to average assets | 0.3758% | 5,501 |
| Noninterest expense to average assets | 2.9686% | 4,170 |
| Loan and lease loss provision to assets | 0.6827% | 2,690 |
| Net operating income to assets | -2.9995% | 7,584 |
| Return on assets (ROA) | -2.9995% | 7,593 |
| Pretax return on assets | -1.0538% | 6,722 |
| Return on Equity (ROE) | -33.5386% | 7,672 |
| Retained earnings to average equity (ytd only) | -33.5386% | 7,665 |
| Net charge-offs to loans | 0.7665% | 2,445 |
| Credit loss provision to net charge-offs | 102.8674% | 4,947 |
| Earnings coverage of net charge-offs (x) | -0.5591% | 6,494 |
| Efficiency ratio | 114.2857% | 687 |
| Assets per employee ($millions) | 5.8514% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,090 |
| Loan loss allowance to noncurrent loans | 86.7284% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.8084% | 2,472 |
| Noncurrent loans to loans | 2.1617% | 3,429 |
| Net loans and leases to total assets | 83.7799% | 567 |
| Net loans and leases to deposits | 104.0958% | 770 |
| Net loans and leases to core deposits | 114.8536% | 2,745 |
| Total domestic deposits to total assets | 80.4835% | 5,256 |
| Equity capital to assets | 8.0322% | 6,822 |
| Core capital (leverage) ratio | 7.9383% | 6,457 |
| Tier 1 risk-based capital ratio | 11.6990% | 5,247 |
| Total risk-based capital ratio | 12.9629% | 5,175 |
| Memoranda: | ||
| Average total assets | $56,051,750 | 6,544 |
| Average earning assets | $53,787,000 | 6,433 |
| Average equity | $5,013,000 | 6,992 |
| Average total loans | $48,529,750 | 5,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 6,791 |
| Cost of funding earning assets | 2.7493% | 907 |
| Net interest margin | 2.2454% | 7,720 |
| Noninterest income to average assets | 0.4302% | 5,030 |
| Noninterest expense to average assets | 3.0744% | 3,797 |
| Loan and lease loss provision to assets | 0.7275% | 2,251 |
| Net operating income to assets | -0.7625% | 6,803 |
| Return on assets (ROA) | -0.7625% | 6,810 |
| Pretax return on assets | -1.2207% | 6,953 |
| Return on Equity (ROE) | -8.2670% | 6,913 |
| Retained earnings to average equity (ytd only) | -8.2670% | 6,699 |
| Net charge-offs to loans | 0.5913% | 2,565 |
| Credit loss provision to net charge-offs | 141.4966% | 3,291 |
| Earnings coverage of net charge-offs (x) | -0.9592% | 6,222 |
| Efficiency ratio | 119.1057% | 679 |
| Assets per employee ($millions) | 4.9662% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 1,810 |
| Loan loss allowance to noncurrent loans | 112.8463% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 4,068 |
| Noncurrent loans to loans | 1.6794% | 3,983 |
| Net loans and leases to total assets | 84.9088% | 520 |
| Net loans and leases to deposits | 107.2239% | 693 |
| Net loans and leases to core deposits | 117.6125% | 2,579 |
| Total domestic deposits to total assets | 79.1883% | 5,753 |
| Equity capital to assets | 9.6526% | 4,423 |
| Core capital (leverage) ratio | 7.9550% | 6,411 |
| Tier 1 risk-based capital ratio | 11.4819% | 5,402 |
| Total risk-based capital ratio | 12.7456% | 5,305 |
| Memoranda: | ||
| Average total assets | $57,181,330 | 6,545 |
| Average earning assets | $54,778,000 | 6,437 |
| Average equity | $5,274,000 | 6,974 |
| Average total loans | $49,718,330 | 5,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 7,150 |
| Cost of funding earning assets | 2.8308% | 908 |
| Net interest margin | 2.0802% | 7,861 |
| Noninterest income to average assets | 0.3353% | 5,775 |
| Noninterest expense to average assets | 2.8328% | 4,413 |
| Loan and lease loss provision to assets | 1.2180% | 1,063 |
| Net operating income to assets | -1.0811% | 7,301 |
| Return on assets (ROA) | -1.0811% | 7,313 |
| Pretax return on assets | -1.7243% | 7,446 |
| Return on Equity (ROE) | -11.9822% | 7,471 |
| Retained earnings to average equity (ytd only) | -11.9822% | 7,263 |
| Net charge-offs to loans | 1.1465% | 1,203 |
| Credit loss provision to net charge-offs | 121.9178% | 3,233 |
| Earnings coverage of net charge-offs (x) | -0.5068% | 5,253 |
| Efficiency ratio | 121.7647% | 602 |
| Assets per employee ($millions) | 5.2701% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 2,030 |
| Loan loss allowance to noncurrent loans | 119.7514% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 4,184 |
| Noncurrent loans to loans | 1.4470% | 4,131 |
| Net loans and leases to total assets | 84.8165% | 577 |
| Net loans and leases to deposits | 114.1580% | 440 |
| Net loans and leases to core deposits | 130.5950% | 1,625 |
| Total domestic deposits to total assets | 74.2975% | 6,835 |
| Equity capital to assets | 9.1994% | 5,087 |
| Core capital (leverage) ratio | 8.0430% | 6,393 |
| Tier 1 risk-based capital ratio | 11.1231% | 5,794 |
| Total risk-based capital ratio | 12.3836% | 5,698 |
| Memoranda: | ||
| Average total assets | $58,458,000 | 6,528 |
| Average earning assets | $55,955,000 | 6,419 |
| Average equity | $5,274,500 | 7,021 |
| Average total loans | $50,937,500 | 5,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1348% | 4,866 |
| Cost of funding earning assets | 3.7698% | 220 |
| Net interest margin | 2.3650% | 7,876 |
| Noninterest income to average assets | 0.0704% | 7,792 |
| Noninterest expense to average assets | 2.0774% | 7,284 |
| Loan and lease loss provision to assets | 0.5523% | 2,612 |
| Net operating income to assets | -0.2509% | 6,683 |
| Return on assets (ROA) | -0.2509% | 6,527 |
| Pretax return on assets | -0.3898% | 6,539 |
| Return on Equity (ROE) | -2.8004% | 6,595 |
| Retained earnings to average equity (ytd only) | -2.8004% | 6,057 |
| Net charge-offs to loans | 0.1850% | 4,352 |
| Credit loss provision to net charge-offs | 340.0000% | 1,334 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,624 |
| Efficiency ratio | 92.7478% | 1,343 |
| Assets per employee ($millions) | 5.3586% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 2,197 |
| 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 | 86.5281% | 537 |
| Net loans and leases to deposits | 120.8998% | 368 |
| Net loans and leases to core deposits | 129.8109% | 1,865 |
| Total domestic deposits to total assets | 71.5701% | 7,077 |
| Equity capital to assets | 8.8489% | 5,567 |
| Core capital (leverage) ratio | 7.9165% | 6,626 |
| Tier 1 risk-based capital ratio | 10.2028% | 6,513 |
| Total risk-based capital ratio | 11.4601% | 6,371 |
| Memoranda: | ||
| Average total assets | $55,406,800 | 6,556 |
| Average earning assets | $50,825,200 | 6,562 |
| Average equity | $4,963,600 | 7,159 |
| Average total loans | $48,649,000 | 5,750 |