Home > Wedbush Bank > Performance and Condition Ratios
Wedbush Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 5,163 |
| Cost of funding earning assets | 0.8770% | 514 |
| Net interest margin | 2.7246% | 6,072 |
| Noninterest income to average assets | 0.0119% | 6,585 |
| Noninterest expense to average assets | 4.1569% | 636 |
| Loan and lease loss provision to assets | -0.3478% | 6,633 |
| Net operating income to assets | -0.7438% | 6,528 |
| Return on assets (ROA) | 2.1416% | 277 |
| Pretax return on assets | 3.2498% | 122 |
| Return on Equity (ROE) | 18.9524% | 371 |
| Retained earnings to average equity (ytd only) | 18.9524% | 147 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.6320% | 52 |
| Assets per employee ($millions) | 16.1392% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 3,425 |
| Loan loss allowance to noncurrent loans | 926.7380% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,005 |
| Noncurrent loans to loans | 0.1552% | 5,616 |
| Net loans and leases to total assets | 52.5442% | 4,604 |
| Net loans and leases to deposits | 60.4013% | 4,722 |
| Net loans and leases to core deposits | 61.2246% | 4,943 |
| Total domestic deposits to total assets | 86.9918% | 2,816 |
| Equity capital to assets | 11.7270% | 2,080 |
| Core capital (leverage) ratio | 11.5545% | 1,931 |
| Tier 1 risk-based capital ratio | 28.3571% | 619 |
| Total risk-based capital ratio | 29.6163% | 601 |
| Memoranda: | ||
| Average total assets | $234,595,500 | 2,696 |
| Average earning assets | $230,343,500 | 2,549 |
| Average equity | $26,508,500 | 2,511 |
| Average total loans | $127,489,000 | 2,913 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,337 |
| Cost of funding earning assets | 0.8492% | 951 |
| Net interest margin | 3.0861% | 5,354 |
| Noninterest income to average assets | 0.0106% | 6,627 |
| Noninterest expense to average assets | 2.3310% | 5,287 |
| Loan and lease loss provision to assets | -0.0252% | 6,313 |
| Net operating income to assets | 0.6055% | 4,241 |
| Return on assets (ROA) | 0.8941% | 2,901 |
| Pretax return on assets | 1.0797% | 3,030 |
| Return on Equity (ROE) | 8.7610% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.7610% | 831 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6805% | 2,681 |
| Assets per employee ($millions) | 13.5134% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 3,465 |
| Loan loss allowance to noncurrent loans | 1,035.8289% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 6,118 |
| Noncurrent loans to loans | 0.1390% | 5,786 |
| Net loans and leases to total assets | 54.5074% | 4,527 |
| Net loans and leases to deposits | 66.5778% | 4,232 |
| Net loans and leases to core deposits | 67.4733% | 4,565 |
| Total domestic deposits to total assets | 81.8703% | 4,918 |
| Equity capital to assets | 10.9027% | 2,701 |
| Core capital (leverage) ratio | 10.2471% | 3,220 |
| Tier 1 risk-based capital ratio | 18.3697% | 2,126 |
| Total risk-based capital ratio | 19.6229% | 2,081 |
| Memoranda: | ||
| Average total assets | $253,672,600 | 2,497 |
| Average earning assets | $248,827,200 | 2,340 |
| Average equity | $25,887,400 | 2,558 |
| Average total loans | $138,871,800 | 2,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 4,504 |
| Cost of funding earning assets | 0.8262% | 1,181 |
| Net interest margin | 3.0731% | 5,391 |
| Noninterest income to average assets | 0.0104% | 6,720 |
| Noninterest expense to average assets | 2.4743% | 4,798 |
| Loan and lease loss provision to assets | 0.0453% | 4,106 |
| Net operating income to assets | 0.4466% | 5,038 |
| Return on assets (ROA) | 0.7981% | 3,486 |
| Pretax return on assets | 0.9006% | 3,883 |
| Return on Equity (ROE) | 7.9492% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.9492% | 1,426 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7369% | 1,861 |
| Assets per employee ($millions) | 11.9340% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 3,827 |
| Loan loss allowance to noncurrent loans | 1,116.5775% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 6,213 |
| Noncurrent loans to loans | 0.1268% | 5,939 |
| Net loans and leases to total assets | 58.0041% | 4,008 |
| Net loans and leases to deposits | 68.5054% | 4,003 |
| Net loans and leases to core deposits | 69.3694% | 4,387 |
| Total domestic deposits to total assets | 84.6709% | 3,895 |
| Equity capital to assets | 10.2783% | 3,537 |
| Core capital (leverage) ratio | 9.6831% | 4,122 |
| Tier 1 risk-based capital ratio | 17.1438% | 2,649 |
| Total risk-based capital ratio | 18.3977% | 2,610 |
| Memoranda: | ||
| Average total assets | $256,280,250 | 2,485 |
| Average earning assets | $251,419,000 | 2,330 |
| Average equity | $25,729,250 | 2,600 |
| Average total loans | $139,959,250 | 2,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,617 |
| Cost of funding earning assets | 0.8145% | 1,337 |
| Net interest margin | 3.0461% | 5,443 |
| Noninterest income to average assets | 0.0108% | 6,770 |
| Noninterest expense to average assets | 2.2877% | 5,403 |
| Loan and lease loss provision to assets | 0.0806% | 3,446 |
| Net operating income to assets | 0.5214% | 4,712 |
| Return on assets (ROA) | 1.0094% | 2,421 |
| Pretax return on assets | 1.2178% | 2,594 |
| Return on Equity (ROE) | 10.1325% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.1325% | 817 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2532% | 2,742 |
| Assets per employee ($millions) | 12.0073% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,793 |
| Loan loss allowance to noncurrent loans | 1,107.8947% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 6,287 |
| Noncurrent loans to loans | 0.1313% | 5,994 |
| Net loans and leases to total assets | 53.9766% | 4,591 |
| Net loans and leases to deposits | 63.0715% | 4,615 |
| Net loans and leases to core deposits | 63.8173% | 4,911 |
| Total domestic deposits to total assets | 85.5800% | 3,593 |
| Equity capital to assets | 9.7611% | 4,229 |
| Core capital (leverage) ratio | 9.0974% | 4,830 |
| Tier 1 risk-based capital ratio | 19.0672% | 1,978 |
| Total risk-based capital ratio | 20.3232% | 1,938 |
| Memoranda: | ||
| Average total assets | $258,168,670 | 2,475 |
| Average earning assets | $253,172,670 | 2,321 |
| Average equity | $25,719,330 | 2,608 |
| Average total loans | $137,460,670 | 2,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,571 |
| Cost of funding earning assets | 0.8254% | 1,394 |
| Net interest margin | 3.0483% | 5,441 |
| Noninterest income to average assets | 0.0094% | 6,834 |
| Noninterest expense to average assets | 2.3419% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4604% | 4,868 |
| Return on assets (ROA) | 0.9954% | 2,363 |
| Pretax return on assets | 1.3920% | 1,884 |
| Return on Equity (ROE) | 9.8885% | 2,103 |
| Retained earnings to average equity (ytd only) | 9.8885% | 1,132 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2495% | 2,567 |
| Assets per employee ($millions) | 12.2878% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 3,925 |
| Loan loss allowance to noncurrent loans | 1,015.7360% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 6,365 |
| Noncurrent loans to loans | 0.1449% | 6,036 |
| Net loans and leases to total assets | 51.8962% | 4,718 |
| Net loans and leases to deposits | 61.2617% | 4,647 |
| Net loans and leases to core deposits | 62.0112% | 4,954 |
| Total domestic deposits to total assets | 84.7123% | 4,173 |
| Equity capital to assets | 10.0049% | 4,144 |
| Core capital (leverage) ratio | 9.1481% | 4,642 |
| Tier 1 risk-based capital ratio | 19.4407% | 1,925 |
| Total risk-based capital ratio | 20.6969% | 1,899 |
| Memoranda: | ||
| Average total assets | $255,172,500 | 2,533 |
| Average earning assets | $249,579,500 | 2,380 |
| Average equity | $25,686,500 | 2,641 |
| Average total loans | $133,846,000 | 2,822 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 5,430 |
| Cost of funding earning assets | 0.8519% | 2,277 |
| Net interest margin | 3.1016% | 5,808 |
| Noninterest income to average assets | 0.0169% | 6,782 |
| Noninterest expense to average assets | 2.5265% | 5,004 |
| Loan and lease loss provision to assets | 0.1893% | 3,269 |
| Net operating income to assets | 0.2718% | 5,568 |
| Return on assets (ROA) | 0.4187% | 5,277 |
| Pretax return on assets | 0.4905% | 5,307 |
| Return on Equity (ROE) | 4.0346% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,375 |
| Net charge-offs to loans | 0.0308% | 5,477 |
| Credit loss provision to net charge-offs | 1,317.6471% | 196 |
| Earnings coverage of net charge-offs (x) | 35.2941% | 893 |
| Efficiency ratio | 83.2591% | 1,712 |
| Assets per employee ($millions) | 10.9696% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 3,665 |
| Loan loss allowance to noncurrent loans | 995.5224% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 6,401 |
| Noncurrent loans to loans | 0.1525% | 6,099 |
| Net loans and leases to total assets | 51.4366% | 4,982 |
| Net loans and leases to deposits | 61.0482% | 4,907 |
| Net loans and leases to core deposits | 61.8162% | 5,174 |
| Total domestic deposits to total assets | 84.2557% | 4,205 |
| Equity capital to assets | 10.1292% | 4,003 |
| Core capital (leverage) ratio | 9.0776% | 4,773 |
| Tier 1 risk-based capital ratio | 17.3375% | 2,509 |
| Total risk-based capital ratio | 18.5749% | 2,489 |
| Memoranda: | ||
| Average total assets | $236,687,200 | 2,665 |
| Average earning assets | $230,204,400 | 2,505 |
| Average equity | $24,562,600 | 2,703 |
| Average total loans | $110,512,400 | 3,291 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 5,929 |
| Cost of funding earning assets | 0.8432% | 2,604 |
| Net interest margin | 2.9961% | 6,180 |
| Noninterest income to average assets | 0.0183% | 6,891 |
| Noninterest expense to average assets | 2.5780% | 4,810 |
| Loan and lease loss provision to assets | 0.2400% | 2,653 |
| Net operating income to assets | 0.1062% | 6,118 |
| Return on assets (ROA) | 0.2921% | 5,839 |
| Pretax return on assets | 0.3127% | 5,930 |
| Return on Equity (ROE) | 2.7966% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.7966% | 4,872 |
| Net charge-offs to loans | 0.0431% | 5,048 |
| Credit loss provision to net charge-offs | 1,232.3529% | 223 |
| Earnings coverage of net charge-offs (x) | 18.1185% | 1,584 |
| Efficiency ratio | 87.9617% | 1,197 |
| Assets per employee ($millions) | 10.5186% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,951 |
| Loan loss allowance to noncurrent loans | 961.9512% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,536 |
| Noncurrent loans to loans | 0.1560% | 6,220 |
| Net loans and leases to total assets | 51.2684% | 5,147 |
| Net loans and leases to deposits | 60.9303% | 5,093 |
| Net loans and leases to core deposits | 61.1147% | 5,445 |
| Total domestic deposits to total assets | 84.1427% | 4,154 |
| Equity capital to assets | 9.9182% | 4,625 |
| Core capital (leverage) ratio | 8.7964% | 5,354 |
| Tier 1 risk-based capital ratio | 18.0351% | 2,322 |
| Total risk-based capital ratio | 19.2907% | 2,296 |
| Memoranda: | ||
| Average total assets | $232,783,750 | 2,722 |
| Average earning assets | $226,288,250 | 2,572 |
| Average equity | $24,314,250 | 2,753 |
| Average total loans | $105,196,500 | 3,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 5,916 |
| Cost of funding earning assets | 0.8596% | 2,732 |
| Net interest margin | 3.0421% | 6,139 |
| Noninterest income to average assets | 0.0194% | 6,948 |
| Noninterest expense to average assets | 2.6699% | 4,537 |
| Loan and lease loss provision to assets | 0.0840% | 4,544 |
| Net operating income to assets | 0.2135% | 5,874 |
| Return on assets (ROA) | 0.2219% | 6,036 |
| Pretax return on assets | 0.2343% | 6,088 |
| Return on Equity (ROE) | 2.0853% | 6,019 |
| Retained earnings to average equity (ytd only) | 2.0853% | 5,158 |
| Net charge-offs to loans | 0.0705% | 4,442 |
| Credit loss provision to net charge-offs | 279.4118% | 1,052 |
| Earnings coverage of net charge-offs (x) | 10.2941% | 2,067 |
| Efficiency ratio | 89.6142% | 1,100 |
| Assets per employee ($millions) | 9.2491% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,294 |
| Loan loss allowance to noncurrent loans | 803.9024% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 6,581 |
| Noncurrent loans to loans | 0.2096% | 6,162 |
| Net loans and leases to total assets | 41.5903% | 6,218 |
| Net loans and leases to deposits | 47.3352% | 6,352 |
| Net loans and leases to core deposits | 47.4847% | 6,492 |
| Total domestic deposits to total assets | 87.8634% | 2,237 |
| Equity capital to assets | 10.5736% | 3,596 |
| Core capital (leverage) ratio | 9.4850% | 4,157 |
| Tier 1 risk-based capital ratio | 20.3873% | 1,607 |
| Total risk-based capital ratio | 21.6424% | 1,581 |
| Memoranda: | ||
| Average total assets | $226,229,670 | 2,800 |
| Average earning assets | $220,110,000 | 2,648 |
| Average equity | $24,073,000 | 2,760 |
| Average total loans | $96,463,000 | 3,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 5,942 |
| Cost of funding earning assets | 0.8702% | 2,915 |
| Net interest margin | 3.0621% | 6,153 |
| Noninterest income to average assets | 0.0215% | 7,041 |
| Noninterest expense to average assets | 2.7694% | 4,163 |
| Loan and lease loss provision to assets | 0.1162% | 3,899 |
| Net operating income to assets | 0.1128% | 6,212 |
| Return on assets (ROA) | 0.1591% | 6,227 |
| Pretax return on assets | 0.1663% | 6,262 |
| Return on Equity (ROE) | 1.4905% | 6,226 |
| Retained earnings to average equity (ytd only) | 1.4905% | 5,495 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2024% | 936 |
| Assets per employee ($millions) | 9.5861% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 3,389 |
| Loan loss allowance to noncurrent loans | 691.2134% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 6,619 |
| Noncurrent loans to loans | 0.2443% | 6,200 |
| Net loans and leases to total assets | 41.8093% | 6,210 |
| Net loans and leases to deposits | 47.3078% | 6,333 |
| Net loans and leases to core deposits | 48.8457% | 6,407 |
| Total domestic deposits to total assets | 88.3772% | 2,084 |
| Equity capital to assets | 10.5752% | 3,406 |
| Core capital (leverage) ratio | 9.4607% | 4,099 |
| Tier 1 risk-based capital ratio | 19.7247% | 1,773 |
| Total risk-based capital ratio | 20.9790% | 1,745 |
| Memoranda: | ||
| Average total assets | $223,731,000 | 2,848 |
| Average earning assets | $217,889,500 | 2,676 |
| Average equity | $23,885,000 | 2,775 |
| Average total loans | $95,786,500 | 3,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 5,398 |
| Cost of funding earning assets | 1.1226% | 2,518 |
| Net interest margin | 3.2833% | 5,862 |
| Noninterest income to average assets | -0.1941% | 7,156 |
| Noninterest expense to average assets | 2.7497% | 4,553 |
| Loan and lease loss provision to assets | 0.2495% | 3,706 |
| Net operating income to assets | 0.0042% | 6,030 |
| Return on assets (ROA) | 0.3761% | 5,144 |
| Pretax return on assets | 0.5774% | 4,754 |
| Return on Equity (ROE) | 3.3282% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.3282% | 3,855 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9245% | 1,279 |
| Assets per employee ($millions) | 9.0582% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 3,229 |
| Loan loss allowance to noncurrent loans | 672.4576% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,683 |
| Noncurrent loans to loans | 0.2518% | 6,230 |
| Net loans and leases to total assets | 42.3858% | 6,348 |
| Net loans and leases to deposits | 48.0240% | 6,493 |
| Net loans and leases to core deposits | 50.0391% | 6,527 |
| Total domestic deposits to total assets | 88.2597% | 1,995 |
| Equity capital to assets | 10.7822% | 3,212 |
| Core capital (leverage) ratio | 10.0045% | 3,338 |
| Tier 1 risk-based capital ratio | 20.4137% | 1,542 |
| Total risk-based capital ratio | 21.6670% | 1,512 |
| Memoranda: | ||
| Average total assets | $207,655,600 | 2,971 |
| Average earning assets | $202,294,400 | 2,822 |
| Average equity | $23,466,000 | 2,733 |
| Average total loans | $82,554,200 | 4,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 5,466 |
| Cost of funding earning assets | 1.1810% | 2,441 |
| Net interest margin | 3.2570% | 5,995 |
| Noninterest income to average assets | -0.3417% | 7,312 |
| Noninterest expense to average assets | 2.7066% | 4,700 |
| Loan and lease loss provision to assets | 0.2683% | 3,358 |
| Net operating income to assets | -0.0942% | 6,278 |
| Return on assets (ROA) | 0.4061% | 5,155 |
| Pretax return on assets | 0.6399% | 4,684 |
| Return on Equity (ROE) | 3.5502% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.5502% | 4,215 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2036% | 1,019 |
| Assets per employee ($millions) | 9.9025% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,793 |
| Loan loss allowance to noncurrent loans | 627.9661% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 6,784 |
| Noncurrent loans to loans | 0.2504% | 6,372 |
| Net loans and leases to total assets | 42.5903% | 6,456 |
| Net loans and leases to deposits | 48.7511% | 6,583 |
| Net loans and leases to core deposits | 50.3443% | 6,654 |
| Total domestic deposits to total assets | 87.3627% | 2,429 |
| Equity capital to assets | 10.9293% | 3,208 |
| Core capital (leverage) ratio | 9.9490% | 3,509 |
| Tier 1 risk-based capital ratio | 20.9317% | 1,467 |
| Total risk-based capital ratio | 22.1842% | 1,444 |
| Memoranda: | ||
| Average total assets | $205,220,500 | 3,016 |
| Average earning assets | $200,053,750 | 2,860 |
| Average equity | $23,472,500 | 2,730 |
| Average total loans | $79,759,750 | 4,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 5,413 |
| Cost of funding earning assets | 1.2186% | 2,449 |
| Net interest margin | 3.2623% | 5,963 |
| Noninterest income to average assets | -0.1652% | 7,324 |
| Noninterest expense to average assets | 2.7073% | 4,799 |
| Loan and lease loss provision to assets | 0.2617% | 3,306 |
| Net operating income to assets | 0.0314% | 6,165 |
| Return on assets (ROA) | 0.4666% | 4,790 |
| Pretax return on assets | 0.7184% | 4,321 |
| Return on Equity (ROE) | 4.0154% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.0154% | 3,644 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9106% | 1,519 |
| Assets per employee ($millions) | 10.1914% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 3,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 37.4801% | 6,887 |
| Net loans and leases to deposits | 42.7421% | 6,966 |
| Net loans and leases to core deposits | 44.1093% | 7,001 |
| Total domestic deposits to total assets | 87.6890% | 2,349 |
| Equity capital to assets | 10.8752% | 3,098 |
| Core capital (leverage) ratio | 9.9982% | 3,268 |
| Tier 1 risk-based capital ratio | 22.3204% | 1,210 |
| Total risk-based capital ratio | 23.5727% | 1,182 |
| Memoranda: | ||
| Average total assets | $201,009,000 | 3,087 |
| Average earning assets | $196,119,330 | 2,921 |
| Average equity | $23,360,000 | 2,720 |
| Average total loans | $74,924,000 | 4,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,771 |
| Cost of funding earning assets | 1.2625% | 2,414 |
| Net interest margin | 3.3806% | 5,500 |
| Noninterest income to average assets | 0.4339% | 4,421 |
| Noninterest expense to average assets | 2.8071% | 4,406 |
| Loan and lease loss provision to assets | 0.2057% | 3,584 |
| Net operating income to assets | 0.4833% | 4,559 |
| Return on assets (ROA) | 0.4833% | 4,638 |
| Pretax return on assets | 0.7198% | 4,224 |
| Return on Equity (ROE) | 4.0167% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.0167% | 3,763 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2231% | 3,647 |
| Assets per employee ($millions) | 9.5831% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 36.6287% | 6,973 |
| Net loans and leases to deposits | 42.4526% | 7,006 |
| Net loans and leases to core deposits | 44.6962% | 7,020 |
| Total domestic deposits to total assets | 86.2815% | 3,342 |
| Equity capital to assets | 12.2430% | 1,764 |
| Core capital (leverage) ratio | 11.0969% | 2,116 |
| Tier 1 risk-based capital ratio | 23.7669% | 997 |
| Total risk-based capital ratio | 25.0183% | 976 |
| Memoranda: | ||
| Average total assets | $194,503,500 | 3,183 |
| Average earning assets | $189,787,000 | 3,014 |
| Average equity | $23,402,500 | 2,699 |
| Average total loans | $71,612,500 | 4,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 5,808 |
| Cost of funding earning assets | 1.3690% | 3,459 |
| Net interest margin | 3.3295% | 5,872 |
| Noninterest income to average assets | -0.4698% | 7,562 |
| Noninterest expense to average assets | 2.8083% | 4,574 |
| Loan and lease loss provision to assets | 0.3747% | 3,878 |
| Net operating income to assets | -0.2798% | 6,194 |
| Return on assets (ROA) | 0.3351% | 4,965 |
| Pretax return on assets | 0.5518% | 4,470 |
| Return on Equity (ROE) | 2.6442% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.6442% | 4,008 |
| Net charge-offs to loans | -0.0018% | 7,235 |
| Credit loss provision to net charge-offs | -69,000.0000% | 7,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3931% | 799 |
| Assets per employee ($millions) | 9.8673% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 4,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.8680% | 7,161 |
| Net loans and leases to deposits | 41.3707% | 7,212 |
| Net loans and leases to core deposits | 44.7615% | 7,176 |
| Total domestic deposits to total assets | 86.6990% | 2,980 |
| Equity capital to assets | 11.8269% | 2,019 |
| Core capital (leverage) ratio | 10.6491% | 2,418 |
| Tier 1 risk-based capital ratio | 23.1779% | 1,014 |
| Total risk-based capital ratio | 24.3864% | 1,000 |
| Memoranda: | ||
| Average total assets | $184,134,800 | 3,311 |
| Average earning assets | $179,397,400 | 3,130 |
| Average equity | $23,334,400 | 2,718 |
| Average total loans | $55,102,200 | 5,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 5,980 |
| Cost of funding earning assets | 1.3547% | 3,867 |
| Net interest margin | 3.3553% | 5,828 |
| Noninterest income to average assets | -1.0212% | 7,729 |
| Noninterest expense to average assets | 2.7730% | 4,587 |
| Loan and lease loss provision to assets | 0.5021% | 2,947 |
| Net operating income to assets | -0.7011% | 6,730 |
| Return on assets (ROA) | 0.1858% | 5,709 |
| Pretax return on assets | 0.2750% | 5,562 |
| Return on Equity (ROE) | 1.4400% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.4400% | 5,223 |
| Net charge-offs to loans | -0.0026% | 7,179 |
| Credit loss provision to net charge-offs | -68,100.0000% | 7,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1425% | 380 |
| Assets per employee ($millions) | 11.1928% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 36.3720% | 7,249 |
| Net loans and leases to deposits | 42.3571% | 7,290 |
| Net loans and leases to core deposits | 46.8572% | 7,238 |
| Total domestic deposits to total assets | 85.8699% | 3,147 |
| Equity capital to assets | 11.9501% | 2,187 |
| Core capital (leverage) ratio | 10.3029% | 2,913 |
| Tier 1 risk-based capital ratio | 22.2379% | 1,174 |
| Total risk-based capital ratio | 23.4134% | 1,152 |
| Memoranda: | ||
| Average total assets | $180,832,000 | 3,410 |
| Average earning assets | $176,075,750 | 3,211 |
| Average equity | $23,333,000 | 2,770 |
| Average total loans | $50,914,500 | 5,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 5,585 |
| Cost of funding earning assets | 1.3134% | 4,455 |
| Net interest margin | 3.5429% | 5,076 |
| Noninterest income to average assets | -1.0175% | 7,793 |
| Noninterest expense to average assets | 2.9019% | 4,069 |
| Loan and lease loss provision to assets | 0.4105% | 3,267 |
| Net operating income to assets | -0.5761% | 6,724 |
| Return on assets (ROA) | 0.2288% | 5,601 |
| Pretax return on assets | 0.3541% | 5,362 |
| Return on Equity (ROE) | 1.7240% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.7240% | 5,011 |
| Net charge-offs to loans | -0.0046% | 7,106 |
| Credit loss provision to net charge-offs | -35,700.0000% | 7,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5720% | 457 |
| Assets per employee ($millions) | 12.9562% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 23.1342% | 7,653 |
| Net loans and leases to deposits | 26.7341% | 7,680 |
| Net loans and leases to core deposits | 31.5399% | 7,635 |
| Total domestic deposits to total assets | 86.5344% | 2,797 |
| Equity capital to assets | 11.4207% | 2,506 |
| Core capital (leverage) ratio | 9.9506% | 3,221 |
| Tier 1 risk-based capital ratio | 28.6531% | 588 |
| Total risk-based capital ratio | 29.7083% | 583 |
| Memoranda: | ||
| Average total assets | $173,952,330 | 3,534 |
| Average earning assets | $169,184,670 | 3,351 |
| Average equity | $23,085,330 | 2,792 |
| Average total loans | $43,106,330 | 5,900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 3,816 |
| Cost of funding earning assets | 1.2107% | 5,342 |
| Net interest margin | 4.0321% | 2,732 |
| Noninterest income to average assets | 0.0178% | 7,600 |
| Noninterest expense to average assets | 3.3596% | 2,348 |
| Loan and lease loss provision to assets | 0.9079% | 1,401 |
| Net operating income to assets | -0.2143% | 6,560 |
| Return on assets (ROA) | 0.1907% | 5,839 |
| Pretax return on assets | 0.2950% | 5,616 |
| Return on Equity (ROE) | 1.3163% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.3163% | 5,283 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6352% | 1,959 |
| Assets per employee ($millions) | 8.7737% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 4,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 28.4544% | 7,661 |
| Net loans and leases to deposits | 33.5472% | 7,670 |
| Net loans and leases to core deposits | 44.1000% | 7,481 |
| Total domestic deposits to total assets | 84.8188% | 3,752 |
| Equity capital to assets | 13.3325% | 1,389 |
| Core capital (leverage) ratio | 11.7168% | 1,792 |
| Tier 1 risk-based capital ratio | 24.9877% | 867 |
| Total risk-based capital ratio | 25.9135% | 874 |
| Memoranda: | ||
| Average total assets | $157,279,000 | 3,888 |
| Average earning assets | $152,972,500 | 3,705 |
| Average equity | $22,790,500 | 2,839 |
| Average total loans | $40,313,000 | 6,110 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1712% | 219 |
| Cost of funding earning assets | 1.5722% | 5,171 |
| Net interest margin | 5.5990% | 171 |
| Noninterest income to average assets | 0.0127% | 7,648 |
| Noninterest expense to average assets | 4.2242% | 1,062 |
| Loan and lease loss provision to assets | 0.5549% | 3,597 |
| Net operating income to assets | 0.3514% | 4,316 |
| Return on assets (ROA) | 0.3827% | 4,299 |
| Pretax return on assets | 0.6851% | 3,624 |
| Return on Equity (ROE) | 1.8770% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.8770% | 3,778 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1553% | 3,337 |
| Assets per employee ($millions) | 7.3202% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 4,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.2699% | 7,852 |
| Net loans and leases to deposits | 25.8450% | 7,864 |
| Net loans and leases to core deposits | 30.2711% | 7,861 |
| Total domestic deposits to total assets | 82.2977% | 4,816 |
| Equity capital to assets | 15.9515% | 707 |
| Core capital (leverage) ratio | 14.6354% | 855 |
| Tier 1 risk-based capital ratio | 33.0837% | 408 |
| Total risk-based capital ratio | 33.7171% | 418 |
| Memoranda: | ||
| Average total assets | $102,173,200 | 5,036 |
| Average earning assets | $98,588,200 | 4,876 |
| Average equity | $20,831,600 | 3,092 |
| Average total loans | $12,680,400 | 7,570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7242% | 106 |
| Cost of funding earning assets | 1.6715% | 5,056 |
| Net interest margin | 6.0527% | 107 |
| Noninterest income to average assets | 0.0129% | 7,795 |
| Noninterest expense to average assets | 4.5287% | 722 |
| Loan and lease loss provision to assets | 0.5924% | 3,018 |
| Net operating income to assets | 0.3930% | 4,424 |
| Return on assets (ROA) | 0.4390% | 4,342 |
| Pretax return on assets | 0.7918% | 3,566 |
| Return on Equity (ROE) | 1.9909% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.9909% | 4,214 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6208% | 3,396 |
| Assets per employee ($millions) | 5.8944% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 16.5937% | 7,979 |
| Net loans and leases to deposits | 21.0851% | 7,987 |
| Net loans and leases to core deposits | 22.6355% | 7,983 |
| Total domestic deposits to total assets | 78.6989% | 5,896 |
| Equity capital to assets | 19.3591% | 383 |
| Core capital (leverage) ratio | 18.1015% | 447 |
| Tier 1 risk-based capital ratio | 41.4933% | 259 |
| Total risk-based capital ratio | 41.9897% | 269 |
| Memoranda: | ||
| Average total assets | $92,945,500 | 5,337 |
| Average earning assets | $89,500,000 | 5,179 |
| Average equity | $20,493,000 | 3,172 |
| Average total loans | $8,360,250 | 7,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9577% | 96 |
| Cost of funding earning assets | 1.7011% | 5,268 |
| Net interest margin | 6.2566% | 91 |
| Noninterest income to average assets | 0.0115% | 7,906 |
| Noninterest expense to average assets | 4.6053% | 692 |
| Loan and lease loss provision to assets | 0.5451% | 2,842 |
| Net operating income to assets | 0.4919% | 4,115 |
| Return on assets (ROA) | 0.5658% | 3,939 |
| Pretax return on assets | 1.0162% | 2,946 |
| Return on Equity (ROE) | 2.4382% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.4382% | 3,980 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9237% | 3,893 |
| Assets per employee ($millions) | 5.2646% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 6.0869% | 8,124 |
| Net loans and leases to deposits | 7.7839% | 8,128 |
| Net loans and leases to core deposits | 8.5744% | 8,120 |
| Total domestic deposits to total assets | 78.1987% | 6,024 |
| Equity capital to assets | 19.8344% | 398 |
| Core capital (leverage) ratio | 18.9648% | 423 |
| Tier 1 risk-based capital ratio | 64.1309% | 119 |
| Total risk-based capital ratio | 64.3969% | 122 |
| Memoranda: | ||
| Average total assets | $86,596,000 | 5,567 |
| Average earning assets | $83,591,670 | 5,428 |
| Average equity | $20,097,000 | 3,224 |
| Average total loans | $4,874,000 | 8,060 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9222% | 101 |
| Cost of funding earning assets | 1.7409% | 5,412 |
| Net interest margin | 6.1814% | 92 |
| Noninterest income to average assets | 0.0104% | 8,016 |
| Noninterest expense to average assets | 4.8933% | 521 |
| Loan and lease loss provision to assets | 0.7508% | 1,715 |
| Net operating income to assets | 0.1709% | 5,751 |
| Return on assets (ROA) | 0.1709% | 5,919 |
| Pretax return on assets | 0.3418% | 5,553 |
| Return on Equity (ROE) | 0.6699% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.6699% | 5,393 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1038% | 2,806 |
| Assets per employee ($millions) | 5.0488% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 4,377 |
| 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% | 7,590 |
| Net loans and leases to total assets | 4.6733% | 8,179 |
| Net loans and leases to deposits | 5.9154% | 8,184 |
| Net loans and leases to core deposits | 6.0031% | 8,176 |
| Total domestic deposits to total assets | 79.0020% | 5,724 |
| Equity capital to assets | 20.1318% | 410 |
| Core capital (leverage) ratio | 20.1039% | 395 |
| Tier 1 risk-based capital ratio | 73.0858% | 103 |
| Total risk-based capital ratio | 73.3020% | 104 |
| Memoranda: | ||
| Average total assets | $77,248,000 | 5,906 |
| Average earning assets | $74,676,000 | 5,747 |
| Average equity | $19,703,500 | 3,302 |
| Average total loans | $4,066,000 | 8,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 8,105 |
| Cost of funding earning assets | 0.5861% | 8,179 |
| Net interest margin | 3.4058% | 5,638 |
| Noninterest income to average assets | 0.0058% | 8,087 |
| Noninterest expense to average assets | 7.2352% | 270 |
| Loan and lease loss provision to assets | 0.1440% | 5,514 |
| Net operating income to assets | -2.4762% | 7,704 |
| Return on assets (ROA) | -2.3416% | 7,631 |
| Pretax return on assets | -3.8826% | 7,874 |
| Return on Equity (ROE) | -4.1217% | 6,764 |
| Retained earnings to average equity (ytd only) | -4.1217% | 6,349 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 216.9150% | 175 |
| Assets per employee ($millions) | 3.9045% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 3,242 |
| 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 | 6.0477% | 8,224 |
| Net loans and leases to deposits | 9.4612% | 8,229 |
| Net loans and leases to core deposits | 9.6195% | 8,223 |
| Total domestic deposits to total assets | 63.9206% | 7,800 |
| Equity capital to assets | 34.3105% | 130 |
| Core capital (leverage) ratio | 33.6584% | 146 |
| Tier 1 risk-based capital ratio | 127.1897% | 61 |
| Total risk-based capital ratio | 127.5205% | 62 |
| Memoranda: | ||
| Average total assets | $34,719,250 | 7,435 |
| Average earning assets | $33,442,750 | 7,350 |
| Average equity | $19,725,000 | 3,272 |
| Average total loans | $1,493,750 | 8,238 |