Home > 1st Commerce Bank > Performance and Condition Ratios
1st Commerce 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 | 4.9099% | 1,053 |
| Cost of funding earning assets | 0.7520% | 1,834 |
| Net interest margin | 4.1579% | 1,306 |
| Noninterest income to average assets | 0.3293% | 5,069 |
| Noninterest expense to average assets | 6.9885% | 152 |
| Loan and lease loss provision to assets | -4.5736% | 7,018 |
| Net operating income to assets | 1.3538% | 1,145 |
| Return on assets (ROA) | 1.3538% | 1,235 |
| Pretax return on assets | 1.3538% | 2,028 |
| Return on Equity (ROE) | 60.2851% | 19 |
| Retained earnings to average equity (ytd only) | 60.2851% | 11 |
| Net charge-offs to loans | -0.3989% | 6,818 |
| Credit loss provision to net charge-offs | 1,666.6667% | 194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.4369% | 44 |
| Assets per employee ($millions) | 4.0304% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7509% | 45 |
| Loan loss allowance to noncurrent loans | 74.2552% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 16.6931% | 56 |
| Noncurrent loans to loans | 9.0915% | 260 |
| Net loans and leases to total assets | 66.6237% | 2,257 |
| Net loans and leases to deposits | 68.5735% | 3,699 |
| Net loans and leases to core deposits | 75.0265% | 3,464 |
| Total domestic deposits to total assets | 97.1566% | 11 |
| Equity capital to assets | 2.6201% | 6,989 |
| Core capital (leverage) ratio | 2.4396% | 6,989 |
| Tier 1 risk-based capital ratio | 3.4566% | 6,989 |
| Total risk-based capital ratio | 4.7725% | 6,987 |
| Memoranda: | ||
| Average total assets | $21,864,500 | 6,878 |
| Average earning assets | $18,086,000 | 6,879 |
| Average equity | $491,000 | 7,014 |
| Average total loans | $15,039,500 | 6,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 3,206 |
| Cost of funding earning assets | 0.7447% | 3,117 |
| Net interest margin | 3.8066% | 3,198 |
| Noninterest income to average assets | 0.8489% | 2,047 |
| Noninterest expense to average assets | 6.2603% | 202 |
| Loan and lease loss provision to assets | 0.1836% | 3,340 |
| Net operating income to assets | -2.4241% | 6,970 |
| Return on assets (ROA) | -2.4241% | 6,972 |
| Pretax return on assets | -2.4241% | 6,972 |
| Return on Equity (ROE) | -104.2105% | 7,073 |
| Retained earnings to average equity (ytd only) | -104.2105% | 7,072 |
| Net charge-offs to loans | 2.8112% | 197 |
| Credit loss provision to net charge-offs | 9.5339% | 5,403 |
| Earnings coverage of net charge-offs (x) | -1.1631% | 5,770 |
| Efficiency ratio | 155.7360% | 80 |
| Assets per employee ($millions) | 5.8943% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6972% | 31 |
| Loan loss allowance to noncurrent loans | 91.2320% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 14.5566% | 89 |
| Noncurrent loans to loans | 8.4370% | 334 |
| Net loans and leases to total assets | 61.3903% | 3,358 |
| Net loans and leases to deposits | 62.7096% | 4,694 |
| Net loans and leases to core deposits | 67.1834% | 4,625 |
| Total domestic deposits to total assets | 97.8963% | 5 |
| Equity capital to assets | 1.9256% | 7,069 |
| Core capital (leverage) ratio | 2.0306% | 7,063 |
| Tier 1 risk-based capital ratio | 2.7669% | 7,065 |
| Total risk-based capital ratio | 4.0895% | 7,064 |
| Memoranda: | ||
| Average total assets | $24,503,600 | 6,879 |
| Average earning assets | $20,411,800 | 6,895 |
| Average equity | $570,000 | 7,080 |
| Average total loans | $16,790,000 | 6,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 3,853 |
| Cost of funding earning assets | 0.7344% | 3,483 |
| Net interest margin | 3.7105% | 3,750 |
| Noninterest income to average assets | 0.9918% | 1,525 |
| Noninterest expense to average assets | 6.1773% | 200 |
| Loan and lease loss provision to assets | 0.2372% | 2,680 |
| Net operating income to assets | -2.3178% | 7,075 |
| Return on assets (ROA) | -2.3178% | 7,077 |
| Pretax return on assets | -2.3178% | 7,063 |
| Return on Equity (ROE) | -95.7129% | 7,159 |
| Retained earnings to average equity (ytd only) | -95.7129% | 7,157 |
| Net charge-offs to loans | 3.3826% | 140 |
| Credit loss provision to net charge-offs | 10.1617% | 5,076 |
| Earnings coverage of net charge-offs (x) | -0.8914% | 5,563 |
| Efficiency ratio | 150.7895% | 89 |
| Assets per employee ($millions) | 4.6594% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8391% | 29 |
| Loan loss allowance to noncurrent loans | 100.4032% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 16.8133% | 68 |
| Noncurrent loans to loans | 7.8076% | 416 |
| Net loans and leases to total assets | 62.8278% | 3,237 |
| Net loans and leases to deposits | 67.3740% | 4,275 |
| Net loans and leases to core deposits | 71.5606% | 4,310 |
| Total domestic deposits to total assets | 93.2524% | 96 |
| Equity capital to assets | 1.9659% | 7,169 |
| Core capital (leverage) ratio | 2.0295% | 7,163 |
| Tier 1 risk-based capital ratio | 2.6829% | 7,167 |
| Total risk-based capital ratio | 4.0068% | 7,167 |
| Memoranda: | ||
| Average total assets | $24,735,250 | 6,966 |
| Average earning assets | $20,697,250 | 6,979 |
| Average equity | $599,000 | 7,177 |
| Average total loans | $17,067,250 | 6,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 4,659 |
| Cost of funding earning assets | 0.7316% | 3,751 |
| Net interest margin | 3.5454% | 4,485 |
| Noninterest income to average assets | 0.5473% | 3,595 |
| Noninterest expense to average assets | 5.8617% | 229 |
| Loan and lease loss provision to assets | 0.3490% | 1,885 |
| Net operating income to assets | -2.6651% | 7,133 |
| Return on assets (ROA) | -2.6651% | 7,142 |
| Pretax return on assets | -2.6651% | 7,131 |
| Return on Equity (ROE) | -104.0248% | 7,208 |
| Retained earnings to average equity (ytd only) | -104.0248% | 7,205 |
| Net charge-offs to loans | 1.1797% | 917 |
| Credit loss provision to net charge-offs | 42.7184% | 4,199 |
| Earnings coverage of net charge-offs (x) | -2.8350% | 5,408 |
| Efficiency ratio | 165.3244% | 73 |
| Assets per employee ($millions) | 5.8063% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7324% | 16 |
| Loan loss allowance to noncurrent loans | 79.5053% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 21.1625% | 32 |
| Noncurrent loans to loans | 12.2412% | 165 |
| Net loans and leases to total assets | 62.8977% | 3,251 |
| Net loans and leases to deposits | 64.7546% | 4,669 |
| Net loans and leases to core deposits | 68.6112% | 4,717 |
| Total domestic deposits to total assets | 97.1324% | 19 |
| Equity capital to assets | 2.3767% | 7,206 |
| Core capital (leverage) ratio | 2.2680% | 7,207 |
| Tier 1 risk-based capital ratio | 3.2392% | 7,207 |
| Total risk-based capital ratio | 4.5889% | 7,207 |
| Memoranda: | ||
| Average total assets | $25,214,670 | 7,004 |
| Average earning assets | $21,323,670 | 7,023 |
| Average equity | $646,000 | 7,236 |
| Average total loans | $17,462,330 | 6,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 4,930 |
| Cost of funding earning assets | 0.6934% | 4,336 |
| Net interest margin | 3.5557% | 4,461 |
| Noninterest income to average assets | 0.3815% | 4,814 |
| Noninterest expense to average assets | 6.0436% | 201 |
| Loan and lease loss provision to assets | 0.6715% | 794 |
| Net operating income to assets | -3.2813% | 7,237 |
| Return on assets (ROA) | -3.2813% | 7,237 |
| Pretax return on assets | -3.2813% | 7,224 |
| Return on Equity (ROE) | -124.0981% | 7,277 |
| Retained earnings to average equity (ytd only) | -124.0981% | 7,273 |
| Net charge-offs to loans | 2.8505% | 267 |
| Credit loss provision to net charge-offs | 34.1085% | 3,553 |
| Earnings coverage of net charge-offs (x) | -1.3256% | 4,575 |
| Efficiency ratio | 176.0000% | 62 |
| Assets per employee ($millions) | 6.5110% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7702% | 21 |
| Loan loss allowance to noncurrent loans | 48.0161% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 21.2333% | 41 |
| Noncurrent loans to loans | 18.2652% | 68 |
| Net loans and leases to total assets | 61.8684% | 3,283 |
| Net loans and leases to deposits | 64.0345% | 4,632 |
| Net loans and leases to core deposits | 67.4241% | 4,742 |
| Total domestic deposits to total assets | 96.6173% | 27 |
| Equity capital to assets | 2.5841% | 7,253 |
| Core capital (leverage) ratio | 2.6091% | 7,252 |
| Tier 1 risk-based capital ratio | 3.7318% | 7,254 |
| Total risk-based capital ratio | 5.0737% | 7,252 |
| Memoranda: | ||
| Average total assets | $26,209,500 | 7,042 |
| Average earning assets | $22,499,000 | 7,059 |
| Average equity | $693,000 | 7,295 |
| Average total loans | $18,102,000 | 6,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 6,677 |
| Cost of funding earning assets | 0.9164% | 3,990 |
| Net interest margin | 2.9278% | 6,646 |
| Noninterest income to average assets | -2.0647% | 7,350 |
| Noninterest expense to average assets | 6.0511% | 204 |
| Loan and lease loss provision to assets | 2.1332% | 253 |
| Net operating income to assets | -7.7076% | 7,342 |
| Return on assets (ROA) | -7.7076% | 7,344 |
| Pretax return on assets | -7.7076% | 7,345 |
| Return on Equity (ROE) | -434.2061% | 7,355 |
| Retained earnings to average equity (ytd only) | -434.2061% | 7,355 |
| Net charge-offs to loans | 2.8727% | 356 |
| Credit loss provision to net charge-offs | 113.2911% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.9604% | 6,322 |
| Efficiency ratio | 1,269.3750% | 5 |
| Assets per employee ($millions) | 4.3958% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8124% | 23 |
| Loan loss allowance to noncurrent loans | 40.8704% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 22.6009% | 35 |
| Noncurrent loans to loans | 21.5619% | 38 |
| Net loans and leases to total assets | 64.1062% | 3,170 |
| Net loans and leases to deposits | 66.3918% | 4,681 |
| Net loans and leases to core deposits | 73.2487% | 4,343 |
| Total domestic deposits to total assets | 96.5573% | 28 |
| Equity capital to assets | 2.7033% | 7,289 |
| Core capital (leverage) ratio | 2.3027% | 7,302 |
| Tier 1 risk-based capital ratio | 3.8773% | 7,282 |
| Total risk-based capital ratio | 5.2205% | 7,283 |
| Memoranda: | ||
| Average total assets | $33,564,200 | 6,871 |
| Average earning assets | $29,134,200 | 6,898 |
| Average equity | $595,800 | 7,353 |
| Average total loans | $22,000,400 | 6,556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 6,767 |
| Cost of funding earning assets | 0.9392% | 4,122 |
| Net interest margin | 2.9306% | 6,708 |
| Noninterest income to average assets | -2.1907% | 7,430 |
| Noninterest expense to average assets | 5.8555% | 218 |
| Loan and lease loss provision to assets | 2.6959% | 145 |
| Net operating income to assets | -8.2008% | 7,418 |
| Return on assets (ROA) | -8.2008% | 7,420 |
| Pretax return on assets | -8.2008% | 7,421 |
| Return on Equity (ROE) | -511.9029% | 7,434 |
| Retained earnings to average equity (ytd only) | -511.9029% | 7,434 |
| Net charge-offs to loans | 1.4345% | 1,029 |
| Credit loss provision to net charge-offs | 290.6504% | 986 |
| Earnings coverage of net charge-offs (x) | -5.9350% | 6,111 |
| Efficiency ratio | 1,669.8925% | 1 |
| Assets per employee ($millions) | 6.4316% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1636% | 16 |
| Loan loss allowance to noncurrent loans | 50.0620% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 19.0528% | 68 |
| Noncurrent loans to loans | 20.3020% | 53 |
| Net loans and leases to total assets | 55.4947% | 4,918 |
| Net loans and leases to deposits | 57.0707% | 5,927 |
| Net loans and leases to core deposits | 67.6164% | 5,222 |
| Total domestic deposits to total assets | 97.2386% | 15 |
| Equity capital to assets | 2.1768% | 7,392 |
| Core capital (leverage) ratio | 2.0752% | 7,393 |
| Tier 1 risk-based capital ratio | 3.5456% | 7,376 |
| Total risk-based capital ratio | 4.9081% | 7,373 |
| Memoranda: | ||
| Average total assets | $35,361,500 | 6,883 |
| Average earning assets | $30,664,250 | 6,916 |
| Average equity | $566,500 | 7,430 |
| Average total loans | $22,865,000 | 6,584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 6,648 |
| Cost of funding earning assets | 0.9891% | 4,023 |
| Net interest margin | 3.0180% | 6,573 |
| Noninterest income to average assets | -2.3882% | 7,505 |
| Noninterest expense to average assets | 5.8140% | 217 |
| Loan and lease loss provision to assets | 3.9199% | 79 |
| Net operating income to assets | -9.5088% | 7,499 |
| Return on assets (ROA) | -9.5088% | 7,499 |
| Pretax return on assets | -9.5088% | 7,502 |
| Return on Equity (ROE) | -663.6015% | 7,511 |
| Retained earnings to average equity (ytd only) | -663.6015% | 7,511 |
| Net charge-offs to loans | -0.3101% | 7,351 |
| Credit loss provision to net charge-offs | -1,929.7297% | 6,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,582.9268% | 2 |
| Assets per employee ($millions) | 7.2840% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4028% | 14 |
| Loan loss allowance to noncurrent loans | 50.2292% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 18.7864% | 80 |
| Noncurrent loans to loans | 20.7107% | 52 |
| Net loans and leases to total assets | 54.4152% | 5,233 |
| Net loans and leases to deposits | 56.1210% | 6,125 |
| Net loans and leases to core deposits | 72.9059% | 4,723 |
| Total domestic deposits to total assets | 96.9605% | 20 |
| Equity capital to assets | 2.4519% | 7,456 |
| Core capital (leverage) ratio | 2.4972% | 7,450 |
| Tier 1 risk-based capital ratio | 3.9158% | 7,434 |
| Total risk-based capital ratio | 5.2752% | 7,432 |
| Memoranda: | ||
| Average total assets | $36,429,330 | 6,907 |
| Average earning assets | $31,544,330 | 6,949 |
| Average equity | $522,000 | 7,508 |
| Average total loans | $23,865,000 | 6,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 6,680 |
| Cost of funding earning assets | 1.0497% | 3,852 |
| Net interest margin | 2.9615% | 6,655 |
| Noninterest income to average assets | -2.7227% | 7,566 |
| Noninterest expense to average assets | 5.1381% | 325 |
| Loan and lease loss provision to assets | 1.0759% | 689 |
| Net operating income to assets | -6.3347% | 7,509 |
| Return on assets (ROA) | -6.3347% | 7,510 |
| Pretax return on assets | -6.3347% | 7,508 |
| Return on Equity (ROE) | -685.8841% | 7,568 |
| Retained earnings to average equity (ytd only) | -685.8841% | 7,568 |
| Net charge-offs to loans | -0.1617% | 7,214 |
| Credit loss provision to net charge-offs | -980.0000% | 6,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -4,254.5455% | 7,573 |
| Assets per employee ($millions) | 5.7522% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8430% | 65 |
| Loan loss allowance to noncurrent loans | 33.9406% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 19.0653% | 75 |
| Noncurrent loans to loans | 20.1618% | 66 |
| Net loans and leases to total assets | 65.3985% | 3,151 |
| Net loans and leases to deposits | 67.4003% | 4,765 |
| Net loans and leases to core deposits | 99.1478% | 1,414 |
| Total domestic deposits to total assets | 97.0301% | 17 |
| Equity capital to assets | 2.4570% | 7,505 |
| Core capital (leverage) ratio | 2.3374% | 7,511 |
| Tier 1 risk-based capital ratio | 3.5624% | 7,503 |
| Total risk-based capital ratio | 4.8815% | 7,502 |
| Memoranda: | ||
| Average total assets | $36,434,000 | 6,951 |
| Average earning assets | $32,010,500 | 6,989 |
| Average equity | $336,500 | 7,569 |
| Average total loans | $24,738,000 | 6,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 7,131 |
| Cost of funding earning assets | 1.3033% | 3,863 |
| Net interest margin | 2.7027% | 7,118 |
| Noninterest income to average assets | -0.4574% | 7,558 |
| Noninterest expense to average assets | 4.4223% | 703 |
| Loan and lease loss provision to assets | 8.2497% | 14 |
| Net operating income to assets | -10.6622% | 7,642 |
| Return on assets (ROA) | -10.6622% | 7,643 |
| Pretax return on assets | -10.6622% | 7,642 |
| Return on Equity (ROE) | -290.4830% | 7,655 |
| Retained earnings to average equity (ytd only) | -290.4830% | 7,655 |
| Net charge-offs to loans | 13.1157% | 7 |
| Credit loss provision to net charge-offs | 90.6274% | 5,106 |
| Earnings coverage of net charge-offs (x) | -0.2650% | 6,336 |
| Efficiency ratio | 220.0472% | 74 |
| Assets per employee ($millions) | 7.6710% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1393% | 104 |
| Loan loss allowance to noncurrent loans | 29.0425% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 17.8360% | 97 |
| Noncurrent loans to loans | 21.1391% | 61 |
| Net loans and leases to total assets | 61.7833% | 4,325 |
| Net loans and leases to deposits | 61.7109% | 5,871 |
| Net loans and leases to core deposits | 94.6441% | 2,179 |
| Total domestic deposits to total assets | 100.1173% | 3 |
| Equity capital to assets | -0.4563% | 7,651 |
| Core capital (leverage) ratio | -0.4236% | 7,651 |
| Tier 1 risk-based capital ratio | -0.7044% | 7,651 |
| Total risk-based capital ratio | -0.7044% | 7,651 |
| Memoranda: | ||
| Average total assets | $42,195,600 | 6,790 |
| Average earning assets | $38,517,600 | 6,778 |
| Average equity | $1,548,800 | 7,578 |
| Average total loans | $29,285,600 | 6,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 7,275 |
| Cost of funding earning assets | 1.3131% | 4,136 |
| Net interest margin | 2.6967% | 7,235 |
| Noninterest income to average assets | -0.4171% | 7,660 |
| Noninterest expense to average assets | 4.2203% | 806 |
| Loan and lease loss provision to assets | 7.0472% | 23 |
| Net operating income to assets | -9.2036% | 7,740 |
| Return on assets (ROA) | -9.2036% | 7,739 |
| Pretax return on assets | -9.2036% | 7,738 |
| Return on Equity (ROE) | -200.6263% | 7,746 |
| Retained earnings to average equity (ytd only) | -200.6263% | 7,746 |
| Net charge-offs to loans | 14.7214% | 9 |
| Credit loss provision to net charge-offs | 68.1913% | 5,472 |
| Earnings coverage of net charge-offs (x) | -0.2087% | 6,180 |
| Efficiency ratio | 204.4910% | 78 |
| Assets per employee ($millions) | 7.3155% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1790% | 711 |
| Loan loss allowance to noncurrent loans | 14.4000% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 17.4766% | 98 |
| Noncurrent loans to loans | 22.0765% | 56 |
| Net loans and leases to total assets | 58.7018% | 5,154 |
| Net loans and leases to deposits | 60.7288% | 6,247 |
| Net loans and leases to core deposits | 95.9806% | 2,263 |
| Total domestic deposits to total assets | 96.6623% | 16 |
| Equity capital to assets | 3.0643% | 7,692 |
| Core capital (leverage) ratio | 3.0624% | 7,674 |
| Tier 1 risk-based capital ratio | 4.9996% | 7,640 |
| Total risk-based capital ratio | 6.2746% | 7,643 |
| Memoranda: | ||
| Average total assets | $43,155,750 | 6,847 |
| Average earning assets | $39,701,250 | 6,809 |
| Average equity | $1,979,750 | 7,600 |
| Average total loans | $30,295,250 | 6,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 6,885 |
| Cost of funding earning assets | 1.3613% | 4,109 |
| Net interest margin | 3.0453% | 6,738 |
| Noninterest income to average assets | -0.5034% | 7,749 |
| Noninterest expense to average assets | 4.1622% | 850 |
| Loan and lease loss provision to assets | 3.6169% | 233 |
| Net operating income to assets | -5.4673% | 7,712 |
| Return on assets (ROA) | -5.4673% | 7,717 |
| Pretax return on assets | -5.4673% | 7,701 |
| Return on Equity (ROE) | -107.0583% | 7,744 |
| Retained earnings to average equity (ytd only) | -107.0583% | 7,743 |
| Net charge-offs to loans | 7.8419% | 66 |
| Credit loss provision to net charge-offs | 62.7832% | 5,137 |
| Earnings coverage of net charge-offs (x) | -0.3212% | 5,937 |
| Efficiency ratio | 180.0403% | 129 |
| Assets per employee ($millions) | 5.5671% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8952% | 182 |
| Loan loss allowance to noncurrent loans | 16.5961% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 23.6747% | 28 |
| Noncurrent loans to loans | 29.4960% | 19 |
| Net loans and leases to total assets | 63.2530% | 4,406 |
| Net loans and leases to deposits | 65.8432% | 5,822 |
| Net loans and leases to core deposits | 102.2207% | 1,809 |
| Total domestic deposits to total assets | 96.0662% | 26 |
| Equity capital to assets | 3.7070% | 7,710 |
| Core capital (leverage) ratio | 3.7035% | 7,699 |
| Tier 1 risk-based capital ratio | 5.6392% | 7,673 |
| Total risk-based capital ratio | 6.9338% | 7,673 |
| Memoranda: | ||
| Average total assets | $42,910,000 | 6,899 |
| Average earning assets | $39,667,670 | 6,857 |
| Average equity | $2,191,330 | 7,630 |
| Average total loans | $31,523,000 | 6,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 6,106 |
| Cost of funding earning assets | 1.5196% | 3,424 |
| Net interest margin | 3.2228% | 6,218 |
| Noninterest income to average assets | -1.1782% | 7,906 |
| Noninterest expense to average assets | 4.4659% | 603 |
| Loan and lease loss provision to assets | 4.2474% | 197 |
| Net operating income to assets | -6.8889% | 7,841 |
| Return on assets (ROA) | -6.8889% | 7,844 |
| Pretax return on assets | -6.8889% | 7,833 |
| Return on Equity (ROE) | -117.8143% | 7,848 |
| Retained earnings to average equity (ytd only) | -117.8143% | 7,845 |
| Net charge-offs to loans | 13.2660% | 26 |
| Credit loss provision to net charge-offs | 41.5042% | 4,615 |
| Earnings coverage of net charge-offs (x) | -0.2581% | 5,189 |
| Efficiency ratio | 244.7917% | 66 |
| Assets per employee ($millions) | 6.4670% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0679% | 352 |
| Loan loss allowance to noncurrent loans | 17.0849% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 18.9092% | 72 |
| Noncurrent loans to loans | 23.8098% | 44 |
| Net loans and leases to total assets | 66.6814% | 3,706 |
| Net loans and leases to deposits | 70.1071% | 5,332 |
| Net loans and leases to core deposits | 118.7257% | 838 |
| Total domestic deposits to total assets | 95.1137% | 44 |
| Equity capital to assets | 4.6367% | 7,749 |
| Core capital (leverage) ratio | 4.7842% | 7,721 |
| Tier 1 risk-based capital ratio | 6.7241% | 7,723 |
| Total risk-based capital ratio | 8.0087% | 7,723 |
| Memoranda: | ||
| Average total assets | $42,096,500 | 7,014 |
| Average earning assets | $39,220,000 | 6,962 |
| Average equity | $2,461,500 | 7,647 |
| Average total loans | $32,474,000 | 6,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 6,428 |
| Cost of funding earning assets | 1.7247% | 4,379 |
| Net interest margin | 3.2764% | 5,834 |
| Noninterest income to average assets | 0.5242% | 4,220 |
| Noninterest expense to average assets | 4.7269% | 639 |
| Loan and lease loss provision to assets | 3.1184% | 541 |
| Net operating income to assets | -6.7163% | 7,880 |
| Return on assets (ROA) | -6.7163% | 7,871 |
| Pretax return on assets | -4.2654% | 7,588 |
| Return on Equity (ROE) | -63.8878% | 7,775 |
| Retained earnings to average equity (ytd only) | -63.8878% | 7,772 |
| Net charge-offs to loans | 0.6631% | 3,193 |
| Credit loss provision to net charge-offs | 597.4249% | 501 |
| Earnings coverage of net charge-offs (x) | -2.1974% | 7,012 |
| Efficiency ratio | 132.0401% | 458 |
| Assets per employee ($millions) | 4.3249% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7046% | 118 |
| Loan loss allowance to noncurrent loans | 25.3585% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 21.4957% | 44 |
| Noncurrent loans to loans | 22.4957% | 53 |
| Net loans and leases to total assets | 81.1119% | 822 |
| Net loans and leases to deposits | 87.7073% | 2,608 |
| Net loans and leases to core deposits | 112.0409% | 2,693 |
| Total domestic deposits to total assets | 92.4802% | 182 |
| Equity capital to assets | 7.2552% | 7,233 |
| Core capital (leverage) ratio | 7.0784% | 7,169 |
| Tier 1 risk-based capital ratio | 8.8936% | 7,513 |
| Total risk-based capital ratio | 10.2038% | 7,507 |
| Memoranda: | ||
| Average total assets | $44,637,800 | 6,924 |
| Average earning assets | $41,631,000 | 6,879 |
| Average equity | $4,692,600 | 7,053 |
| Average total loans | $35,139,600 | 6,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 6,672 |
| Cost of funding earning assets | 1.8266% | 4,247 |
| Net interest margin | 3.1508% | 6,174 |
| Noninterest income to average assets | 0.6049% | 3,658 |
| Noninterest expense to average assets | 4.7119% | 608 |
| Loan and lease loss provision to assets | 1.5600% | 1,217 |
| Net operating income to assets | -5.8928% | 7,919 |
| Return on assets (ROA) | -5.8928% | 7,916 |
| Pretax return on assets | -2.7264% | 7,427 |
| Return on Equity (ROE) | -52.6111% | 7,851 |
| Retained earnings to average equity (ytd only) | -52.6111% | 7,844 |
| Net charge-offs to loans | 0.3112% | 4,092 |
| Credit loss provision to net charge-offs | 649.3976% | 577 |
| Earnings coverage of net charge-offs (x) | -4.8556% | 6,852 |
| Efficiency ratio | 132.8980% | 440 |
| Assets per employee ($millions) | 4.5760% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5098% | 420 |
| Loan loss allowance to noncurrent loans | 19.0559% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 16.7274% | 84 |
| Noncurrent loans to loans | 18.4187% | 82 |
| Net loans and leases to total assets | 80.5701% | 1,073 |
| Net loans and leases to deposits | 89.0051% | 2,780 |
| Net loans and leases to core deposits | 118.1359% | 2,399 |
| Total domestic deposits to total assets | 90.5230% | 584 |
| Equity capital to assets | 9.1929% | 5,179 |
| Core capital (leverage) ratio | 8.4109% | 5,651 |
| Tier 1 risk-based capital ratio | 11.3957% | 5,541 |
| Total risk-based capital ratio | 12.6750% | 5,444 |
| Memoranda: | ||
| Average total assets | $46,066,250 | 6,917 |
| Average earning assets | $42,993,500 | 6,864 |
| Average equity | $5,159,750 | 6,946 |
| Average total loans | $35,554,000 | 6,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 6,789 |
| Cost of funding earning assets | 1.8985% | 4,273 |
| Net interest margin | 3.0963% | 6,255 |
| Noninterest income to average assets | 0.6164% | 3,558 |
| Noninterest expense to average assets | 4.5666% | 729 |
| Loan and lease loss provision to assets | 1.8703% | 876 |
| Net operating income to assets | -1.9458% | 7,416 |
| Return on assets (ROA) | -1.9458% | 7,409 |
| Pretax return on assets | -2.9480% | 7,560 |
| Return on Equity (ROE) | -16.5193% | 7,402 |
| Retained earnings to average equity (ytd only) | -16.5193% | 7,325 |
| Net charge-offs to loans | 0.0278% | 6,084 |
| Credit loss provision to net charge-offs | 8,920.0000% | 54 |
| Earnings coverage of net charge-offs (x) | -51.4000% | 6,598 |
| Efficiency ratio | 130.8894% | 520 |
| Assets per employee ($millions) | 3.2196% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1026% | 520 |
| Loan loss allowance to noncurrent loans | 20.2205% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 14.3095% | 114 |
| Noncurrent loans to loans | 15.3436% | 125 |
| Net loans and leases to total assets | 82.5912% | 850 |
| Net loans and leases to deposits | 94.0790% | 2,077 |
| Net loans and leases to core deposits | 138.7862% | 1,064 |
| Total domestic deposits to total assets | 87.7892% | 1,879 |
| Equity capital to assets | 11.8869% | 2,267 |
| Core capital (leverage) ratio | 8.7435% | 5,013 |
| Tier 1 risk-based capital ratio | 10.7465% | 6,141 |
| Total risk-based capital ratio | 12.0201% | 6,050 |
| Memoranda: | ||
| Average total assets | $47,693,670 | 6,914 |
| Average earning assets | $44,246,330 | 6,872 |
| Average equity | $5,617,670 | 6,858 |
| Average total loans | $35,942,330 | 6,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 7,461 |
| Cost of funding earning assets | 1.8492% | 4,881 |
| Net interest margin | 2.8795% | 6,800 |
| Noninterest income to average assets | 0.4326% | 4,936 |
| Noninterest expense to average assets | 4.1875% | 954 |
| Loan and lease loss provision to assets | 0.7755% | 1,657 |
| Net operating income to assets | -1.2163% | 7,369 |
| Return on assets (ROA) | -1.2163% | 7,387 |
| Pretax return on assets | -1.8611% | 7,492 |
| Return on Equity (ROE) | -10.3697% | 7,384 |
| Retained earnings to average equity (ytd only) | -10.3697% | 7,144 |
| Net charge-offs to loans | -1.6367% | 8,176 |
| Credit loss provision to net charge-offs | -66.9014% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.0000% | 458 |
| Assets per employee ($millions) | 3.0260% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5761% | 709 |
| Loan loss allowance to noncurrent loans | 63.9896% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 4.6244% | 1,023 |
| Noncurrent loans to loans | 4.0258% | 1,491 |
| Net loans and leases to total assets | 82.3199% | 965 |
| Net loans and leases to deposits | 94.3775% | 2,212 |
| Net loans and leases to core deposits | 117.6221% | 2,631 |
| Total domestic deposits to total assets | 87.2241% | 2,110 |
| Equity capital to assets | 12.4983% | 1,973 |
| Core capital (leverage) ratio | 10.2525% | 3,151 |
| Tier 1 risk-based capital ratio | 12.2119% | 4,781 |
| Total risk-based capital ratio | 13.4795% | 4,675 |
| Memoranda: | ||
| Average total assets | $49,003,000 | 6,906 |
| Average earning assets | $45,424,000 | 6,864 |
| Average equity | $5,747,500 | 6,860 |
| Average total loans | $34,703,500 | 6,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0234% | 5,437 |
| Cost of funding earning assets | 2.5294% | 4,053 |
| Net interest margin | 3.4940% | 5,313 |
| Noninterest income to average assets | 0.5295% | 4,394 |
| Noninterest expense to average assets | 5.5922% | 483 |
| Loan and lease loss provision to assets | 2.6786% | 371 |
| Net operating income to assets | -3.0169% | 7,829 |
| Return on assets (ROA) | -3.0169% | 7,800 |
| Pretax return on assets | -4.5228% | 7,968 |
| Return on Equity (ROE) | -17.8397% | 7,704 |
| Retained earnings to average equity (ytd only) | -17.8397% | 7,612 |
| Net charge-offs to loans | 2.2307% | 464 |
| Credit loss provision to net charge-offs | 152.7246% | 3,429 |
| Earnings coverage of net charge-offs (x) | -1.0515% | 6,599 |
| Efficiency ratio | 149.2074% | 355 |
| Assets per employee ($millions) | 3.5077% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4184% | 750 |
| Loan loss allowance to noncurrent loans | 75.1000% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.9554% | 1,560 |
| Noncurrent loans to loans | 3.2202% | 1,629 |
| Net loans and leases to total assets | 57.5927% | 6,260 |
| Net loans and leases to deposits | 64.9429% | 6,723 |
| Net loans and leases to core deposits | 75.9778% | 6,859 |
| Total domestic deposits to total assets | 88.6821% | 1,164 |
| Equity capital to assets | 11.0651% | 2,982 |
| Core capital (leverage) ratio | 10.0104% | 3,433 |
| Tier 1 risk-based capital ratio | 15.9892% | 2,668 |
| Total risk-based capital ratio | 17.2540% | 2,610 |
| Memoranda: | ||
| Average total assets | $38,714,600 | 7,271 |
| Average earning assets | $35,660,800 | 7,257 |
| Average equity | $6,547,200 | 6,630 |
| Average total loans | $30,438,200 | 6,680 |