Home > The Guernsey Bank > Performance and Condition Ratios
The Guernsey Bank, Performance and Condition Ratios
| 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 | 4.2073% | 2,925 |
| Cost of funding earning assets | 0.9577% | 305 |
| Net interest margin | 3.2496% | 4,784 |
| Noninterest income to average assets | 0.0708% | 6,376 |
| Noninterest expense to average assets | 3.2529% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1283% | 6,278 |
| Return on assets (ROA) | -0.1283% | 6,288 |
| Pretax return on assets | -0.1283% | 6,276 |
| Return on Equity (ROE) | -1.8035% | 6,317 |
| Retained earnings to average equity (ytd only) | -5.8728% | 6,285 |
| Net charge-offs to loans | -0.0136% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1074% | 317 |
| Assets per employee ($millions) | 3.7751% | 4,305 |
| Cash dividends to net income (ytd only)* | -225.6410% | 6,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,515 |
| Loan loss allowance to noncurrent loans | 91.1462% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3551% | 1,242 |
| Noncurrent loans to loans | 1.7414% | 1,983 |
| Net loans and leases to total assets | 59.1803% | 3,835 |
| Net loans and leases to deposits | 72.5068% | 3,501 |
| Net loans and leases to core deposits | 75.7866% | 3,645 |
| Total domestic deposits to total assets | 81.6203% | 4,776 |
| Equity capital to assets | 7.0943% | 6,431 |
| Core capital (leverage) ratio | 8.4152% | 5,731 |
| Tier 1 risk-based capital ratio | 14.3332% | 4,043 |
| Total risk-based capital ratio | 15.5873% | 3,975 |
| Memoranda: | ||
| Average total assets | $121,551,330 | 4,205 |
| Average earning assets | $114,230,330 | 4,140 |
| Average equity | $8,650,000 | 5,121 |
| Average total loans | $73,471,000 | 4,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 2,871 |
| Cost of funding earning assets | 0.9499% | 342 |
| Net interest margin | 3.2512% | 4,739 |
| Noninterest income to average assets | 0.1772% | 5,907 |
| Noninterest expense to average assets | 3.3660% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1345% | 6,305 |
| Return on assets (ROA) | -0.1345% | 6,313 |
| Pretax return on assets | -0.1345% | 6,303 |
| Return on Equity (ROE) | -1.8872% | 6,351 |
| Retained earnings to average equity (ytd only) | -7.0886% | 6,247 |
| Net charge-offs to loans | -0.0271% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1624% | 368 |
| Assets per employee ($millions) | 3.5578% | 4,814 |
| Cash dividends to net income (ytd only)* | -275.6098% | 6,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 2,786 |
| Loan loss allowance to noncurrent loans | 105.7798% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 1,464 |
| Noncurrent loans to loans | 1.4950% | 2,545 |
| Net loans and leases to total assets | 59.3210% | 3,663 |
| Net loans and leases to deposits | 72.7110% | 3,246 |
| Net loans and leases to core deposits | 75.7618% | 3,429 |
| Total domestic deposits to total assets | 81.5846% | 5,064 |
| Equity capital to assets | 7.1377% | 6,410 |
| Core capital (leverage) ratio | 8.4827% | 5,669 |
| Tier 1 risk-based capital ratio | 14.6373% | 3,929 |
| Total risk-based capital ratio | 15.8927% | 3,877 |
| Memoranda: | ||
| Average total assets | $121,926,000 | 4,234 |
| Average earning assets | $114,542,500 | 4,167 |
| Average equity | $8,690,000 | 5,132 |
| Average total loans | $73,884,500 | 4,138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 2,028 |
| Cost of funding earning assets | 0.9594% | 553 |
| Net interest margin | 3.5928% | 3,494 |
| Noninterest income to average assets | 0.3564% | 4,749 |
| Noninterest expense to average assets | 3.4056% | 1,872 |
| Loan and lease loss provision to assets | 0.0198% | 4,744 |
| Net operating income to assets | 0.2439% | 5,706 |
| Return on assets (ROA) | -0.0966% | 6,316 |
| Pretax return on assets | -0.0966% | 6,285 |
| Return on Equity (ROE) | -1.2591% | 6,341 |
| Retained earnings to average equity (ytd only) | -5.4699% | 6,393 |
| Net charge-offs to loans | 0.1960% | 2,897 |
| Credit loss provision to net charge-offs | 15.8228% | 4,516 |
| Earnings coverage of net charge-offs (x) | 2.1076% | 4,331 |
| Efficiency ratio | 92.8124% | 820 |
| Assets per employee ($millions) | 3.6144% | 4,642 |
| Cash dividends to net income (ytd only)* | -334.4262% | 6,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,038 |
| Loan loss allowance to noncurrent loans | 86.1215% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.4827% | 1,385 |
| Noncurrent loans to loans | 1.7807% | 2,257 |
| Net loans and leases to total assets | 59.9823% | 3,726 |
| Net loans and leases to deposits | 73.3260% | 3,355 |
| Net loans and leases to core deposits | 76.7415% | 3,526 |
| Total domestic deposits to total assets | 81.8021% | 4,944 |
| Equity capital to assets | 7.1170% | 6,428 |
| Core capital (leverage) ratio | 8.3429% | 5,828 |
| Tier 1 risk-based capital ratio | 14.7970% | 3,785 |
| Total risk-based capital ratio | 16.0517% | 3,725 |
| Memoranda: | ||
| Average total assets | $126,264,400 | 4,138 |
| Average earning assets | $116,426,600 | 4,123 |
| Average equity | $9,689,400 | 4,921 |
| Average total loans | $80,619,000 | 3,918 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 1,732 |
| Cost of funding earning assets | 0.9552% | 624 |
| Net interest margin | 3.7019% | 3,024 |
| Noninterest income to average assets | 0.4836% | 3,909 |
| Noninterest expense to average assets | 3.4185% | 1,782 |
| Loan and lease loss provision to assets | 0.0262% | 4,482 |
| Net operating income to assets | 0.4332% | 5,098 |
| Return on assets (ROA) | -0.0178% | 6,359 |
| Pretax return on assets | -0.0178% | 6,335 |
| Return on Equity (ROE) | -0.2284% | 6,363 |
| Retained earnings to average equity (ytd only) | -4.8360% | 6,486 |
| Net charge-offs to loans | 0.2567% | 2,271 |
| Credit loss provision to net charge-offs | 15.8228% | 4,133 |
| Earnings coverage of net charge-offs (x) | 2.7722% | 3,913 |
| Efficiency ratio | 88.1526% | 1,156 |
| Assets per employee ($millions) | 3.5321% | 4,785 |
| Cash dividends to net income (ytd only)* | -2,017.2916% | 6,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 3,462 |
| Loan loss allowance to noncurrent loans | 90.1021% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,055 |
| Noncurrent loans to loans | 1.6633% | 2,689 |
| Net loans and leases to total assets | 60.9825% | 3,525 |
| Net loans and leases to deposits | 73.7178% | 3,282 |
| Net loans and leases to core deposits | 77.0857% | 3,487 |
| Total domestic deposits to total assets | 82.7242% | 4,673 |
| Equity capital to assets | 7.2251% | 6,486 |
| Core capital (leverage) ratio | 8.5537% | 5,717 |
| Tier 1 risk-based capital ratio | 14.5933% | 4,019 |
| Total risk-based capital ratio | 15.8467% | 3,970 |
| Memoranda: | ||
| Average total assets | $127,108,500 | 4,175 |
| Average earning assets | $116,550,250 | 4,162 |
| Average equity | $9,925,250 | 4,919 |
| Average total loans | $82,059,000 | 3,908 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,580 |
| Cost of funding earning assets | 0.9745% | 621 |
| Net interest margin | 3.7224% | 2,878 |
| Noninterest income to average assets | 0.5707% | 3,378 |
| Noninterest expense to average assets | 3.5145% | 1,573 |
| Loan and lease loss provision to assets | 0.0390% | 4,172 |
| Net operating income to assets | 0.4179% | 5,150 |
| Return on assets (ROA) | 0.3804% | 5,456 |
| Pretax return on assets | 0.3804% | 5,681 |
| Return on Equity (ROE) | 4.7580% | 4,862 |
| Retained earnings to average equity (ytd only) | 1.2675% | 5,390 |
| Net charge-offs to loans | 0.3886% | 1,666 |
| Credit loss provision to net charge-offs | 15.3374% | 3,825 |
| Earnings coverage of net charge-offs (x) | 1.7975% | 3,931 |
| Efficiency ratio | 88.4963% | 1,172 |
| Assets per employee ($millions) | 3.6081% | 4,603 |
| Cash dividends to net income (ytd only)* | 73.3607% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 3,818 |
| Loan loss allowance to noncurrent loans | 205.7658% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 3.1620% | 1,260 |
| Noncurrent loans to loans | 0.7036% | 4,529 |
| Net loans and leases to total assets | 63.3710% | 3,031 |
| Net loans and leases to deposits | 75.4899% | 2,948 |
| Net loans and leases to core deposits | 79.1136% | 3,151 |
| Total domestic deposits to total assets | 83.9463% | 4,340 |
| Equity capital to assets | 7.6877% | 6,373 |
| Core capital (leverage) ratio | 8.6913% | 5,437 |
| Tier 1 risk-based capital ratio | 14.2348% | 4,268 |
| Total risk-based capital ratio | 15.4878% | 4,222 |
| Memoranda: | ||
| Average total assets | $128,270,000 | 4,180 |
| Average earning assets | $117,183,000 | 4,173 |
| Average equity | $10,256,330 | 4,885 |
| Average total loans | $83,900,000 | 3,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,825 |
| Cost of funding earning assets | 0.9667% | 721 |
| Net interest margin | 3.6325% | 3,129 |
| Noninterest income to average assets | 0.6714% | 2,750 |
| Noninterest expense to average assets | 3.5524% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4791% | 4,778 |
| Return on assets (ROA) | 0.4364% | 5,136 |
| Pretax return on assets | 0.4364% | 5,446 |
| Return on Equity (ROE) | 5.3613% | 4,366 |
| Retained earnings to average equity (ytd only) | 2.9244% | 4,525 |
| Net charge-offs to loans | 0.0463% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.7000% | 1,389 |
| Efficiency ratio | 88.1151% | 1,317 |
| Assets per employee ($millions) | 3.5129% | 4,953 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,853 |
| Loan loss allowance to noncurrent loans | 272.7468% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 3.0613% | 1,454 |
| Noncurrent loans to loans | 0.5479% | 5,070 |
| Net loans and leases to total assets | 64.4543% | 2,621 |
| Net loans and leases to deposits | 76.7660% | 2,517 |
| Net loans and leases to core deposits | 81.9944% | 2,571 |
| Total domestic deposits to total assets | 83.9620% | 4,491 |
| Equity capital to assets | 8.0967% | 6,331 |
| Core capital (leverage) ratio | 8.5102% | 5,577 |
| Tier 1 risk-based capital ratio | 13.8468% | 4,617 |
| Total risk-based capital ratio | 15.1013% | 4,577 |
| Memoranda: | ||
| Average total assets | $131,067,000 | 4,161 |
| Average earning assets | $121,238,000 | 4,131 |
| Average equity | $10,669,000 | 4,844 |
| Average total loans | $86,408,500 | 3,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 1,450 |
| Cost of funding earning assets | 1.1345% | 790 |
| Net interest margin | 3.9073% | 2,797 |
| Noninterest income to average assets | -0.0695% | 6,901 |
| Noninterest expense to average assets | 3.4373% | 1,973 |
| Loan and lease loss provision to assets | 0.0878% | 4,599 |
| Net operating income to assets | 0.0000% | 6,168 |
| Return on assets (ROA) | 0.7536% | 3,740 |
| Pretax return on assets | 0.7536% | 4,467 |
| Return on Equity (ROE) | 9.0809% | 2,605 |
| Retained earnings to average equity (ytd only) | 1.7205% | 5,002 |
| Net charge-offs to loans | -0.0335% | 6,631 |
| Credit loss provision to net charge-offs | -370.9677% | 6,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5092% | 646 |
| Assets per employee ($millions) | 3.6710% | 4,625 |
| Cash dividends to net income (ytd only)* | 81.0537% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,899 |
| Loan loss allowance to noncurrent loans | 114.0695% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 3.2144% | 1,446 |
| Noncurrent loans to loans | 1.2795% | 3,699 |
| Net loans and leases to total assets | 65.4444% | 2,624 |
| Net loans and leases to deposits | 77.8757% | 2,554 |
| Net loans and leases to core deposits | 83.8777% | 2,566 |
| Total domestic deposits to total assets | 84.0369% | 4,299 |
| Equity capital to assets | 8.1828% | 6,294 |
| Core capital (leverage) ratio | 8.1886% | 6,012 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,778 |
| Total risk-based capital ratio | 14.7154% | 4,737 |
| Memoranda: | ||
| Average total assets | $130,975,200 | 4,124 |
| Average earning assets | $120,492,400 | 4,099 |
| Average equity | $10,869,000 | 4,787 |
| Average total loans | $92,576,800 | 3,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 1,322 |
| Cost of funding earning assets | 1.1552% | 844 |
| Net interest margin | 3.9872% | 2,551 |
| Noninterest income to average assets | 0.3663% | 4,899 |
| Noninterest expense to average assets | 3.3822% | 2,052 |
| Loan and lease loss provision to assets | 0.1173% | 4,084 |
| Net operating income to assets | 0.5326% | 4,693 |
| Return on assets (ROA) | 1.2856% | 1,622 |
| Pretax return on assets | 1.2856% | 2,658 |
| Return on Equity (ROE) | 15.4369% | 827 |
| Retained earnings to average equity (ytd only) | 6.4320% | 2,412 |
| Net charge-offs to loans | -0.0398% | 6,649 |
| Credit loss provision to net charge-offs | -410.7143% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8816% | 1,603 |
| Assets per employee ($millions) | 3.9249% | 4,024 |
| Cash dividends to net income (ytd only)* | 58.3335% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,308 |
| Loan loss allowance to noncurrent loans | 98.0061% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 4.0308% | 1,196 |
| Noncurrent loans to loans | 1.4445% | 3,636 |
| Net loans and leases to total assets | 66.6884% | 2,524 |
| Net loans and leases to deposits | 79.7757% | 2,422 |
| Net loans and leases to core deposits | 85.7623% | 2,495 |
| Total domestic deposits to total assets | 83.5949% | 4,392 |
| Equity capital to assets | 8.5720% | 6,196 |
| Core capital (leverage) ratio | 8.5693% | 5,668 |
| Tier 1 risk-based capital ratio | 13.0530% | 5,205 |
| Total risk-based capital ratio | 14.3054% | 5,159 |
| Memoranda: | ||
| Average total assets | $130,680,250 | 4,168 |
| Average earning assets | $120,148,500 | 4,151 |
| Average equity | $10,882,750 | 4,832 |
| Average total loans | $93,778,750 | 3,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 1,147 |
| Cost of funding earning assets | 1.1694% | 945 |
| Net interest margin | 4.0786% | 2,175 |
| Noninterest income to average assets | 0.3237% | 5,239 |
| Noninterest expense to average assets | 3.3555% | 2,140 |
| Loan and lease loss provision to assets | 0.1773% | 3,324 |
| Net operating income to assets | 0.5379% | 4,636 |
| Return on assets (ROA) | 1.6076% | 921 |
| Pretax return on assets | 1.6076% | 1,530 |
| Return on Equity (ROE) | 19.5002% | 387 |
| Retained earnings to average equity (ytd only) | 8.1329% | 1,593 |
| Net charge-offs to loans | -0.0590% | 6,707 |
| Credit loss provision to net charge-offs | -410.7143% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4309% | 1,825 |
| Assets per employee ($millions) | 3.9715% | 3,937 |
| Cash dividends to net income (ytd only)* | 58.2934% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 4,578 |
| Loan loss allowance to noncurrent loans | 103.5656% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 4.1927% | 1,193 |
| Noncurrent loans to loans | 1.3212% | 3,937 |
| Net loans and leases to total assets | 70.2902% | 1,869 |
| Net loans and leases to deposits | 83.8793% | 1,866 |
| Net loans and leases to core deposits | 90.2733% | 1,956 |
| Total domestic deposits to total assets | 83.7991% | 4,403 |
| Equity capital to assets | 8.3198% | 6,360 |
| Core capital (leverage) ratio | 8.4677% | 5,687 |
| Tier 1 risk-based capital ratio | 12.8660% | 5,280 |
| Total risk-based capital ratio | 14.1183% | 5,256 |
| Memoranda: | ||
| Average total assets | $129,758,330 | 4,215 |
| Average earning assets | $119,207,000 | 4,193 |
| Average equity | $10,697,330 | 4,874 |
| Average total loans | $94,948,000 | 3,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 1,081 |
| Cost of funding earning assets | 1.1842% | 1,051 |
| Net interest margin | 4.1228% | 2,018 |
| Noninterest income to average assets | 0.4337% | 4,427 |
| Noninterest expense to average assets | 3.2965% | 2,299 |
| Loan and lease loss provision to assets | 0.3563% | 1,765 |
| Net operating income to assets | 0.5670% | 4,504 |
| Return on assets (ROA) | 2.1471% | 373 |
| Pretax return on assets | 2.1471% | 588 |
| Return on Equity (ROE) | 26.1658% | 156 |
| Retained earnings to average equity (ytd only) | 6.6453% | 2,610 |
| Net charge-offs to loans | -0.0878% | 6,741 |
| Credit loss provision to net charge-offs | -547.6190% | 5,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1204% | 2,480 |
| Assets per employee ($millions) | 3.7807% | 4,468 |
| Cash dividends to net income (ytd only)* | 74.6032% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,845 |
| Loan loss allowance to noncurrent loans | 101.8444% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 4.3129% | 1,259 |
| Noncurrent loans to loans | 1.3145% | 4,145 |
| Net loans and leases to total assets | 72.8126% | 1,254 |
| Net loans and leases to deposits | 87.1683% | 1,266 |
| Net loans and leases to core deposits | 88.9646% | 1,957 |
| Total domestic deposits to total assets | 83.5311% | 4,702 |
| Equity capital to assets | 8.1753% | 6,389 |
| Core capital (leverage) ratio | 8.5066% | 5,577 |
| Tier 1 risk-based capital ratio | 12.5447% | 5,568 |
| Total risk-based capital ratio | 13.7969% | 5,532 |
| Memoranda: | ||
| Average total assets | $129,107,000 | 4,253 |
| Average earning assets | $118,560,000 | 4,233 |
| Average equity | $10,594,000 | 4,906 |
| Average total loans | $95,721,500 | 3,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 1,419 |
| Cost of funding earning assets | 1.3763% | 1,140 |
| Net interest margin | 4.0256% | 2,758 |
| Noninterest income to average assets | 0.3818% | 4,773 |
| Noninterest expense to average assets | 3.4492% | 2,121 |
| Loan and lease loss provision to assets | 0.6895% | 1,485 |
| Net operating income to assets | -0.0336% | 6,087 |
| Return on assets (ROA) | 0.3933% | 5,062 |
| Pretax return on assets | 0.3933% | 5,315 |
| Return on Equity (ROE) | 4.7662% | 4,497 |
| Retained earnings to average equity (ytd only) | -0.4165% | 5,921 |
| Net charge-offs to loans | 0.7775% | 2,212 |
| Credit loss provision to net charge-offs | 116.5161% | 2,777 |
| Earnings coverage of net charge-offs (x) | 1.1084% | 4,956 |
| Efficiency ratio | 84.0216% | 1,763 |
| Assets per employee ($millions) | 3.8138% | 4,294 |
| Cash dividends to net income (ytd only)* | 108.7379% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,512 |
| Loan loss allowance to noncurrent loans | 105.3903% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 4.2416% | 1,321 |
| Noncurrent loans to loans | 1.1141% | 4,491 |
| Net loans and leases to total assets | 73.6043% | 1,340 |
| Net loans and leases to deposits | 87.9147% | 1,387 |
| Net loans and leases to core deposits | 89.5463% | 2,187 |
| Total domestic deposits to total assets | 83.7224% | 4,441 |
| Equity capital to assets | 8.2356% | 6,399 |
| Core capital (leverage) ratio | 8.2100% | 5,980 |
| Tier 1 risk-based capital ratio | 12.0907% | 5,765 |
| Total risk-based capital ratio | 13.3408% | 5,748 |
| Memoranda: | ||
| Average total assets | $130,957,200 | 4,149 |
| Average earning assets | $121,123,400 | 4,112 |
| Average equity | $10,805,200 | 4,826 |
| Average total loans | $99,679,200 | 3,627 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 1,522 |
| Cost of funding earning assets | 1.3987% | 1,237 |
| Net interest margin | 3.9965% | 2,926 |
| Noninterest income to average assets | 0.5058% | 3,826 |
| Noninterest expense to average assets | 3.4551% | 2,062 |
| Loan and lease loss provision to assets | 0.5718% | 1,718 |
| Net operating income to assets | 0.1818% | 5,751 |
| Return on assets (ROA) | 0.5352% | 4,575 |
| Pretax return on assets | 0.5352% | 5,024 |
| Return on Equity (ROE) | 6.4840% | 3,778 |
| Retained earnings to average equity (ytd only) | 0.4183% | 5,827 |
| Net charge-offs to loans | 0.6942% | 2,179 |
| Credit loss provision to net charge-offs | 107.6482% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.4187% | 4,566 |
| Efficiency ratio | 82.0946% | 1,958 |
| Assets per employee ($millions) | 4.2649% | 3,341 |
| Cash dividends to net income (ytd only)* | 93.5487% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,075 |
| Loan loss allowance to noncurrent loans | 101.8482% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 3.8438% | 1,607 |
| Noncurrent loans to loans | 1.0252% | 4,844 |
| Net loans and leases to total assets | 75.0529% | 1,135 |
| Net loans and leases to deposits | 89.5245% | 1,269 |
| Net loans and leases to core deposits | 91.5143% | 2,054 |
| Total domestic deposits to total assets | 83.8351% | 4,310 |
| Equity capital to assets | 8.3011% | 6,483 |
| Core capital (leverage) ratio | 8.3799% | 5,884 |
| Tier 1 risk-based capital ratio | 11.7361% | 6,077 |
| Total risk-based capital ratio | 12.8684% | 6,152 |
| Memoranda: | ||
| Average total assets | $131,279,250 | 4,171 |
| Average earning assets | $121,635,750 | 4,117 |
| Average equity | $10,836,750 | 4,845 |
| Average total loans | $100,455,000 | 3,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 1,664 |
| Cost of funding earning assets | 1.4259% | 1,304 |
| Net interest margin | 3.9410% | 3,119 |
| Noninterest income to average assets | 0.5833% | 3,241 |
| Noninterest expense to average assets | 3.5337% | 1,902 |
| Loan and lease loss provision to assets | 0.4887% | 2,015 |
| Net operating income to assets | 0.2245% | 5,649 |
| Return on assets (ROA) | 0.6429% | 3,959 |
| Pretax return on assets | 0.6429% | 4,596 |
| Return on Equity (ROE) | 7.8030% | 3,040 |
| Retained earnings to average equity (ytd only) | -0.4634% | 5,949 |
| Net charge-offs to loans | 0.7342% | 2,039 |
| Credit loss provision to net charge-offs | 86.7209% | 3,562 |
| Earnings coverage of net charge-offs (x) | 1.2656% | 4,340 |
| Efficiency ratio | 83.2075% | 1,925 |
| Assets per employee ($millions) | 3.9004% | 3,990 |
| Cash dividends to net income (ytd only)* | 105.9382% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,533 |
| Loan loss allowance to noncurrent loans | 68.9705% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 3.8240% | 1,695 |
| Noncurrent loans to loans | 1.3684% | 4,365 |
| Net loans and leases to total assets | 78.1174% | 763 |
| Net loans and leases to deposits | 93.2935% | 922 |
| Net loans and leases to core deposits | 95.1961% | 1,765 |
| Total domestic deposits to total assets | 83.7329% | 4,458 |
| Equity capital to assets | 8.3161% | 6,407 |
| Core capital (leverage) ratio | 8.2649% | 5,922 |
| Tier 1 risk-based capital ratio | 11.6060% | 6,086 |
| Total risk-based capital ratio | 12.6360% | 6,245 |
| Memoranda: | ||
| Average total assets | $130,968,330 | 4,209 |
| Average earning assets | $121,746,000 | 4,151 |
| Average equity | $10,790,670 | 4,850 |
| Average total loans | $100,514,670 | 3,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 1,835 |
| Cost of funding earning assets | 1.4525% | 1,374 |
| Net interest margin | 3.8581% | 3,349 |
| Noninterest income to average assets | 0.4996% | 3,894 |
| Noninterest expense to average assets | 3.5399% | 1,903 |
| Loan and lease loss provision to assets | 0.5602% | 1,540 |
| Net operating income to assets | 0.0030% | 6,344 |
| Return on assets (ROA) | 0.6844% | 3,652 |
| Pretax return on assets | 0.6844% | 4,365 |
| Return on Equity (ROE) | 8.3441% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.5350% | 2,355 |
| Net charge-offs to loans | 0.7359% | 1,744 |
| Credit loss provision to net charge-offs | 100.5435% | 2,627 |
| Earnings coverage of net charge-offs (x) | 1.0109% | 3,902 |
| Efficiency ratio | 86.2731% | 1,686 |
| Assets per employee ($millions) | 3.1579% | 5,822 |
| Cash dividends to net income (ytd only)* | 21.6814% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,412 |
| Loan loss allowance to noncurrent loans | 49.0034% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.4053% | 2,002 |
| Noncurrent loans to loans | 2.0335% | 3,528 |
| Net loans and leases to total assets | 77.3508% | 820 |
| Net loans and leases to deposits | 92.6106% | 971 |
| Net loans and leases to core deposits | 94.5784% | 1,820 |
| Total domestic deposits to total assets | 83.5227% | 4,693 |
| Equity capital to assets | 8.4958% | 5,912 |
| Core capital (leverage) ratio | 8.3828% | 5,659 |
| Tier 1 risk-based capital ratio | 11.2000% | 6,349 |
| Total risk-based capital ratio | 12.2266% | 6,501 |
| Memoranda: | ||
| Average total assets | $132,095,500 | 4,208 |
| Average earning assets | $123,376,000 | 4,153 |
| Average equity | $10,834,000 | 4,838 |
| Average total loans | $100,019,000 | 3,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 3,713 |
| Cost of funding earning assets | 1.9143% | 803 |
| Net interest margin | 3.2632% | 6,094 |
| Noninterest income to average assets | 0.3271% | 5,445 |
| Noninterest expense to average assets | 3.1348% | 3,326 |
| Loan and lease loss provision to assets | 0.1252% | 5,911 |
| Net operating income to assets | 0.1083% | 5,570 |
| Return on assets (ROA) | 0.4646% | 4,416 |
| Pretax return on assets | 0.4646% | 4,746 |
| Return on Equity (ROE) | 5.6579% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.6579% | 2,013 |
| Net charge-offs to loans | -0.0675% | 7,473 |
| Credit loss provision to net charge-offs | -285.9649% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0689% | 1,118 |
| Assets per employee ($millions) | 3.6410% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,295 |
| Loan loss allowance to noncurrent loans | 91.9635% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 2.4771% | 2,791 |
| Noncurrent loans to loans | 1.1074% | 4,887 |
| Net loans and leases to total assets | 72.6514% | 1,957 |
| Net loans and leases to deposits | 86.0498% | 2,088 |
| Net loans and leases to core deposits | 89.5773% | 2,824 |
| Total domestic deposits to total assets | 84.4295% | 4,158 |
| Equity capital to assets | 7.9189% | 6,562 |
| Core capital (leverage) ratio | 8.0162% | 6,181 |
| Tier 1 risk-based capital ratio | 11.1780% | 6,194 |
| Total risk-based capital ratio | 12.2185% | 6,324 |
| Memoranda: | ||
| Average total assets | $130,217,200 | 4,261 |
| Average earning assets | $121,352,200 | 4,202 |
| Average equity | $10,693,000 | 4,936 |
| Average total loans | $84,498,200 | 4,200 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 3,847 |
| Cost of funding earning assets | 1.9959% | 762 |
| Net interest margin | 3.2008% | 6,341 |
| Noninterest income to average assets | 0.3883% | 5,052 |
| Noninterest expense to average assets | 2.9807% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3873% | 4,807 |
| Return on assets (ROA) | 0.3987% | 4,934 |
| Pretax return on assets | 0.3987% | 5,219 |
| Return on Equity (ROE) | 4.8102% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.8102% | 3,120 |
| Net charge-offs to loans | -0.1928% | 7,615 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5005% | 1,413 |
| Assets per employee ($millions) | 3.3495% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 6,267 |
| Loan loss allowance to noncurrent loans | 87.5969% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 2.5459% | 2,818 |
| Noncurrent loans to loans | 1.1762% | 4,895 |
| Net loans and leases to total assets | 64.8099% | 3,948 |
| Net loans and leases to deposits | 77.2199% | 3,972 |
| Net loans and leases to core deposits | 81.3935% | 4,329 |
| Total domestic deposits to total assets | 83.9291% | 4,167 |
| Equity capital to assets | 8.3124% | 6,489 |
| Core capital (leverage) ratio | 7.9589% | 6,406 |
| Tier 1 risk-based capital ratio | 11.9682% | 5,493 |
| Total risk-based capital ratio | 12.9889% | 5,668 |
| Memoranda: | ||
| Average total assets | $129,092,500 | 4,346 |
| Average earning assets | $120,176,750 | 4,281 |
| Average equity | $10,699,250 | 4,996 |
| Average total loans | $80,902,750 | 4,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 3,498 |
| Cost of funding earning assets | 2.0476% | 779 |
| Net interest margin | 3.2468% | 6,177 |
| Noninterest income to average assets | 0.4095% | 4,830 |
| Noninterest expense to average assets | 2.9766% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4535% | 4,540 |
| Return on assets (ROA) | 0.4707% | 4,620 |
| Pretax return on assets | 0.4707% | 5,001 |
| Return on Equity (ROE) | 5.6854% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.6854% | 2,505 |
| Net charge-offs to loans | -0.1297% | 7,590 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7795% | 1,623 |
| Assets per employee ($millions) | 3.7072% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 6,163 |
| Loan loss allowance to noncurrent loans | 68.5200% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.4593% | 2,926 |
| Noncurrent loans to loans | 1.5396% | 4,403 |
| Net loans and leases to total assets | 60.5740% | 4,951 |
| Net loans and leases to deposits | 72.4133% | 4,926 |
| Net loans and leases to core deposits | 76.6581% | 5,120 |
| Total domestic deposits to total assets | 83.6503% | 4,264 |
| Equity capital to assets | 8.3675% | 6,333 |
| Core capital (leverage) ratio | 8.1450% | 6,040 |
| Tier 1 risk-based capital ratio | 12.8376% | 4,573 |
| Total risk-based capital ratio | 13.8608% | 4,730 |
| Memoranda: | ||
| Average total assets | $127,463,000 | 4,415 |
| Average earning assets | $118,579,000 | 4,349 |
| Average equity | $10,553,330 | 5,045 |
| Average total loans | $78,624,670 | 4,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 3,028 |
| Cost of funding earning assets | 2.1198% | 759 |
| Net interest margin | 3.2820% | 6,045 |
| Noninterest income to average assets | 0.3040% | 5,720 |
| Noninterest expense to average assets | 2.9703% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3832% | 4,914 |
| Return on assets (ROA) | 0.4180% | 4,901 |
| Pretax return on assets | 0.4180% | 5,237 |
| Return on Equity (ROE) | 5.0762% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.0762% | 3,119 |
| Net charge-offs to loans | -0.4756% | 7,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5741% | 1,536 |
| Assets per employee ($millions) | 3.9471% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,847 |
| Loan loss allowance to noncurrent loans | 66.4653% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.7156% | 2,678 |
| Noncurrent loans to loans | 1.7048% | 4,185 |
| Net loans and leases to total assets | 60.7903% | 4,980 |
| Net loans and leases to deposits | 72.7808% | 4,950 |
| Net loans and leases to core deposits | 77.6339% | 5,070 |
| Total domestic deposits to total assets | 83.5252% | 4,374 |
| Equity capital to assets | 8.3201% | 6,277 |
| Core capital (leverage) ratio | 8.2342% | 5,857 |
| Tier 1 risk-based capital ratio | 12.6260% | 4,624 |
| Total risk-based capital ratio | 13.6999% | 4,743 |
| Memoranda: | ||
| Average total assets | $126,318,500 | 4,493 |
| Average earning assets | $117,368,000 | 4,439 |
| Average equity | $10,401,500 | 5,132 |
| Average total loans | $78,220,000 | 4,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6802% | 485 |
| Cost of funding earning assets | 2.7682% | 491 |
| Net interest margin | 3.9120% | 3,219 |
| Noninterest income to average assets | 0.3995% | 5,204 |
| Noninterest expense to average assets | 3.4547% | 2,512 |
| Loan and lease loss provision to assets | 1.0609% | 2,164 |
| Net operating income to assets | -0.5201% | 6,202 |
| Return on assets (ROA) | -0.2764% | 5,936 |
| Pretax return on assets | -0.2764% | 5,811 |
| Return on Equity (ROE) | -3.7224% | 6,081 |
| Retained earnings to average equity (ytd only) | -3.7224% | 5,825 |
| Net charge-offs to loans | 1.2678% | 1,951 |
| Credit loss provision to net charge-offs | 122.2222% | 4,327 |
| Earnings coverage of net charge-offs (x) | 0.6230% | 5,473 |
| Efficiency ratio | 86.4655% | 2,061 |
| Assets per employee ($millions) | 4.0751% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,406 |
| Loan loss allowance to noncurrent loans | 70.6835% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4191% | 2,875 |
| Noncurrent loans to loans | 1.4116% | 4,561 |
| Net loans and leases to total assets | 61.7364% | 5,046 |
| Net loans and leases to deposits | 75.2301% | 4,849 |
| Net loans and leases to core deposits | 85.0094% | 5,618 |
| Total domestic deposits to total assets | 82.0635% | 4,920 |
| Equity capital to assets | 8.1486% | 6,405 |
| Core capital (leverage) ratio | 8.3090% | 5,594 |
| Tier 1 risk-based capital ratio | 12.2025% | 4,769 |
| Total risk-based capital ratio | 13.1415% | 4,999 |
| Memoranda: | ||
| Average total assets | $116,131,800 | 4,679 |
| Average earning assets | $106,747,800 | 4,662 |
| Average equity | $8,623,400 | 5,724 |
| Average total loans | $79,507,400 | 4,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9870% | 303 |
| Cost of funding earning assets | 2.8852% | 488 |
| Net interest margin | 4.1018% | 2,388 |
| Noninterest income to average assets | 0.3463% | 5,729 |
| Noninterest expense to average assets | 3.3795% | 2,636 |
| Loan and lease loss provision to assets | 0.2348% | 5,097 |
| Net operating income to assets | 0.4918% | 4,016 |
| Return on assets (ROA) | 0.4918% | 4,115 |
| Pretax return on assets | 0.4918% | 4,542 |
| Return on Equity (ROE) | 6.8080% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.0134% | 3,033 |
| Net charge-offs to loans | 0.4434% | 3,463 |
| Credit loss provision to net charge-offs | 75.4717% | 5,876 |
| Earnings coverage of net charge-offs (x) | 2.3359% | 4,070 |
| Efficiency ratio | 82.3042% | 2,541 |
| Assets per employee ($millions) | 3.7586% | 4,290 |
| Cash dividends to net income (ytd only)* | 41.0507% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 7,514 |
| Loan loss allowance to noncurrent loans | 25.8970% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 3.6051% | 1,828 |
| Noncurrent loans to loans | 2.4515% | 3,077 |
| Net loans and leases to total assets | 64.8057% | 4,697 |
| Net loans and leases to deposits | 78.8127% | 4,596 |
| Net loans and leases to core deposits | 90.4350% | 5,392 |
| Total domestic deposits to total assets | 82.2274% | 4,576 |
| Equity capital to assets | 7.3540% | 7,395 |
| Core capital (leverage) ratio | 7.6480% | 6,802 |
| Tier 1 risk-based capital ratio | 10.7869% | 6,176 |
| Total risk-based capital ratio | 11.3839% | 6,794 |
| Memoranda: | ||
| Average total assets | $113,582,500 | 4,760 |
| Average earning assets | $104,114,750 | 4,767 |
| Average equity | $8,205,750 | 5,910 |
| Average total loans | $79,690,000 | 4,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3116% | 200 |
| Cost of funding earning assets | 2.9860% | 495 |
| Net interest margin | 4.3256% | 1,587 |
| Noninterest income to average assets | 0.4544% | 4,820 |
| Noninterest expense to average assets | 3.5204% | 2,281 |
| Loan and lease loss provision to assets | 0.2425% | 4,642 |
| Net operating income to assets | 0.6412% | 3,498 |
| Return on assets (ROA) | 0.6412% | 3,602 |
| Pretax return on assets | 0.6412% | 4,190 |
| Return on Equity (ROE) | 8.9332% | 2,381 |
| Retained earnings to average equity (ytd only) | 8.9332% | 964 |
| Net charge-offs to loans | 0.2322% | 4,044 |
| Credit loss provision to net charge-offs | 145.1613% | 3,190 |
| Earnings coverage of net charge-offs (x) | 5.2903% | 2,866 |
| Efficiency ratio | 79.9347% | 3,053 |
| Assets per employee ($millions) | 3.4437% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 7,288 |
| Loan loss allowance to noncurrent loans | 31.1088% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 2.8528% | 2,246 |
| Noncurrent loans to loans | 2.4294% | 2,977 |
| Net loans and leases to total assets | 70.0249% | 3,705 |
| Net loans and leases to deposits | 85.5078% | 3,645 |
| Net loans and leases to core deposits | 100.4532% | 4,463 |
| Total domestic deposits to total assets | 81.8930% | 4,731 |
| Equity capital to assets | 7.1699% | 7,504 |
| Core capital (leverage) ratio | 7.0886% | 7,466 |
| Tier 1 risk-based capital ratio | 9.9633% | 6,971 |
| Total risk-based capital ratio | 10.6989% | 7,390 |
| Memoranda: | ||
| Average total assets | $111,351,670 | 4,847 |
| Average earning assets | $101,674,670 | 4,853 |
| Average equity | $7,992,670 | 6,026 |
| Average total loans | $80,105,670 | 4,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3230% | 215 |
| Cost of funding earning assets | 2.9958% | 613 |
| Net interest margin | 4.3272% | 1,526 |
| Noninterest income to average assets | 0.4936% | 4,377 |
| Noninterest expense to average assets | 3.6441% | 1,765 |
| Loan and lease loss provision to assets | 0.1452% | 5,089 |
| Net operating income to assets | 0.6207% | 3,936 |
| Return on assets (ROA) | 0.6207% | 4,120 |
| Pretax return on assets | 0.6207% | 4,691 |
| Return on Equity (ROE) | 8.6418% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.6418% | 1,583 |
| Net charge-offs to loans | 0.4646% | 2,287 |
| Credit loss provision to net charge-offs | 43.0108% | 4,773 |
| Earnings coverage of net charge-offs (x) | 2.2688% | 3,600 |
| Efficiency ratio | 82.6337% | 2,460 |
| Assets per employee ($millions) | 3.2330% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 7,606 |
| Loan loss allowance to noncurrent loans | 38.6071% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 2.3110% | 2,489 |
| Noncurrent loans to loans | 1.6356% | 3,823 |
| Net loans and leases to total assets | 70.9263% | 3,488 |
| Net loans and leases to deposits | 86.4790% | 3,553 |
| Net loans and leases to core deposits | 101.6555% | 4,382 |
| Total domestic deposits to total assets | 82.0157% | 4,541 |
| Equity capital to assets | 7.0727% | 7,641 |
| Core capital (leverage) ratio | 7.3992% | 7,275 |
| Tier 1 risk-based capital ratio | 9.6521% | 7,292 |
| Total risk-based capital ratio | 10.2658% | 7,814 |
| Memoranda: | ||
| Average total assets | $110,207,000 | 4,900 |
| Average earning assets | $99,740,500 | 4,924 |
| Average equity | $7,915,000 | 6,091 |
| Average total loans | $80,067,000 | 4,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9123% | 1,365 |
| Cost of funding earning assets | 3.3129% | 889 |
| Net interest margin | 3.5994% | 4,892 |
| Noninterest income to average assets | 1.6199% | 530 |
| Noninterest expense to average assets | 4.7231% | 752 |
| Loan and lease loss provision to assets | 0.1241% | 5,775 |
| Net operating income to assets | 0.0327% | 6,275 |
| Return on assets (ROA) | 0.0327% | 6,132 |
| Pretax return on assets | 0.0327% | 6,093 |
| Return on Equity (ROE) | 0.3681% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.1170% | 5,632 |
| Net charge-offs to loans | -0.0014% | 7,730 |
| Credit loss provision to net charge-offs | -11,000.0000% | 7,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7869% | 1,108 |
| Assets per employee ($millions) | 2.6815% | 6,823 |
| Cash dividends to net income (ytd only)* | 403.4483% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 7,399 |
| Loan loss allowance to noncurrent loans | 53.7727% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.1406% | 2,295 |
| Noncurrent loans to loans | 1.3192% | 3,875 |
| Net loans and leases to total assets | 73.4710% | 3,239 |
| Net loans and leases to deposits | 90.5763% | 3,350 |
| Net loans and leases to core deposits | 134.3443% | 1,578 |
| Total domestic deposits to total assets | 81.1150% | 4,587 |
| Equity capital to assets | 7.2972% | 7,563 |
| Core capital (leverage) ratio | 7.7801% | 6,835 |
| Tier 1 risk-based capital ratio | 9.8082% | 6,950 |
| Total risk-based capital ratio | 10.5117% | 7,494 |
| Memoranda: | ||
| Average total assets | $88,649,600 | 5,398 |
| Average earning assets | $80,292,200 | 5,425 |
| Average equity | $7,878,200 | 6,131 |
| Average total loans | $71,077,600 | 4,829 |