Home > 1st Regents Bank > Performance and Condition Ratios
1st Regents Bank, Performance and Condition Ratios
| 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 | 4.5524% | 3,202 |
| Cost of funding earning assets | 1.1913% | 606 |
| Net interest margin | 3.3611% | 5,032 |
| Noninterest income to average assets | -0.6435% | 7,041 |
| Noninterest expense to average assets | 4.8898% | 414 |
| Loan and lease loss provision to assets | 0.2945% | 2,320 |
| Net operating income to assets | -2.8121% | 6,997 |
| Return on assets (ROA) | -2.6885% | 6,990 |
| Pretax return on assets | -2.6885% | 6,992 |
| Return on Equity (ROE) | -122.6165% | 7,076 |
| Retained earnings to average equity (ytd only) | -122.6165% | 7,076 |
| Net charge-offs to loans | 4.7116% | 40 |
| Credit loss provision to net charge-offs | 8.7948% | 5,409 |
| Earnings coverage of net charge-offs (x) | -0.7519% | 5,722 |
| Efficiency ratio | 206.1303% | 36 |
| Assets per employee ($millions) | 4.5115% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,973 |
| Loan loss allowance to noncurrent loans | 9.1954% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 14.7886% | 84 |
| Noncurrent loans to loans | 13.3945% | 117 |
| Net loans and leases to total assets | 69.8062% | 1,881 |
| Net loans and leases to deposits | 70.4865% | 3,638 |
| Net loans and leases to core deposits | 70.4865% | 4,234 |
| Total domestic deposits to total assets | 99.0348% | 3 |
| Equity capital to assets | 0.6871% | 7,078 |
| Core capital (leverage) ratio | 0.5709% | 7,080 |
| Tier 1 risk-based capital ratio | 0.7680% | 7,080 |
| Total risk-based capital ratio | 1.5361% | 7,080 |
| Memoranda: | ||
| Average total assets | $55,012,600 | 6,047 |
| Average earning assets | $49,358,200 | 6,074 |
| Average equity | $1,206,200 | 7,051 |
| Average total loans | $39,094,600 | 5,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 3,410 |
| Cost of funding earning assets | 1.3032% | 431 |
| Net interest margin | 3.2513% | 5,541 |
| Noninterest income to average assets | -0.6671% | 7,149 |
| Noninterest expense to average assets | 4.1684% | 756 |
| Loan and lease loss provision to assets | 0.3832% | 1,685 |
| Net operating income to assets | -2.3089% | 7,074 |
| Return on assets (ROA) | -2.1481% | 7,065 |
| Pretax return on assets | -2.1481% | 7,052 |
| Return on Equity (ROE) | -85.1065% | 7,155 |
| Retained earnings to average equity (ytd only) | -85.1065% | 7,153 |
| Net charge-offs to loans | 2.3674% | 267 |
| Credit loss provision to net charge-offs | 22.7528% | 4,911 |
| Earnings coverage of net charge-offs (x) | -1.1433% | 5,587 |
| Efficiency ratio | 185.8650% | 45 |
| Assets per employee ($millions) | 3.8622% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1684% | 267 |
| Loan loss allowance to noncurrent loans | 30.2655% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 16.5113% | 70 |
| Noncurrent loans to loans | 13.7730% | 113 |
| Net loans and leases to total assets | 71.5225% | 1,643 |
| Net loans and leases to deposits | 73.0992% | 3,435 |
| Net loans and leases to core deposits | 73.5755% | 4,031 |
| Total domestic deposits to total assets | 97.8430% | 6 |
| Equity capital to assets | 1.8403% | 7,170 |
| Core capital (leverage) ratio | 1.6093% | 7,174 |
| Tier 1 risk-based capital ratio | 2.1678% | 7,173 |
| Total risk-based capital ratio | 3.4504% | 7,173 |
| Memoranda: | ||
| Average total assets | $56,359,250 | 6,081 |
| Average earning assets | $50,440,250 | 6,101 |
| Average equity | $1,422,500 | 7,126 |
| Average total loans | $40,099,750 | 5,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 3,220 |
| Cost of funding earning assets | 1.3958% | 355 |
| Net interest margin | 3.2365% | 5,632 |
| Noninterest income to average assets | -0.7670% | 7,210 |
| Noninterest expense to average assets | 4.0849% | 849 |
| Loan and lease loss provision to assets | -0.1575% | 7,137 |
| Net operating income to assets | -1.8045% | 7,051 |
| Return on assets (ROA) | -1.6744% | 7,052 |
| Pretax return on assets | -1.6744% | 7,030 |
| Return on Equity (ROE) | -61.5609% | 7,185 |
| Retained earnings to average equity (ytd only) | -61.5609% | 7,180 |
| Net charge-offs to loans | -0.2196% | 7,017 |
| Credit loss provision to net charge-offs | 102.2222% | 2,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.4194% | 42 |
| Assets per employee ($millions) | 4.0169% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2979% | 127 |
| Loan loss allowance to noncurrent loans | 52.0592% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 13.4042% | 134 |
| Noncurrent loans to loans | 10.1767% | 256 |
| Net loans and leases to total assets | 67.1011% | 2,446 |
| Net loans and leases to deposits | 68.9476% | 4,047 |
| Net loans and leases to core deposits | 90.9957% | 1,873 |
| Total domestic deposits to total assets | 97.3220% | 13 |
| Equity capital to assets | 2.4095% | 7,205 |
| Core capital (leverage) ratio | 2.2865% | 7,206 |
| Tier 1 risk-based capital ratio | 3.0218% | 7,214 |
| Total risk-based capital ratio | 4.3169% | 7,214 |
| Memoranda: | ||
| Average total assets | $58,409,670 | 6,064 |
| Average earning assets | $52,155,670 | 6,087 |
| Average equity | $1,588,670 | 7,165 |
| Average total loans | $40,975,670 | 5,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 3,125 |
| Cost of funding earning assets | 1.4900% | 299 |
| Net interest margin | 3.1917% | 5,803 |
| Noninterest income to average assets | -0.4706% | 7,250 |
| Noninterest expense to average assets | 3.8859% | 1,083 |
| Loan and lease loss provision to assets | 0.2756% | 2,256 |
| Net operating income to assets | -1.7951% | 7,136 |
| Return on assets (ROA) | -1.7951% | 7,140 |
| Pretax return on assets | -1.7951% | 7,116 |
| Return on Equity (ROE) | -62.6209% | 7,243 |
| Retained earnings to average equity (ytd only) | -62.6209% | 7,234 |
| Net charge-offs to loans | -0.4237% | 7,124 |
| Credit loss provision to net charge-offs | -93.1818% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.2045% | 73 |
| Assets per employee ($millions) | 4.0135% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3374% | 132 |
| Loan loss allowance to noncurrent loans | 53.9406% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 15.3144% | 98 |
| Noncurrent loans to loans | 9.8950% | 314 |
| Net loans and leases to total assets | 69.3463% | 1,879 |
| Net loans and leases to deposits | 75.7691% | 2,830 |
| Net loans and leases to core deposits | 102.0962% | 861 |
| Total domestic deposits to total assets | 91.5233% | 369 |
| Equity capital to assets | 2.8208% | 7,244 |
| Core capital (leverage) ratio | 2.6372% | 7,249 |
| Tier 1 risk-based capital ratio | 3.3590% | 7,266 |
| Total risk-based capital ratio | 4.6544% | 7,266 |
| Memoranda: | ||
| Average total assets | $59,496,500 | 6,082 |
| Average earning assets | $52,886,500 | 6,103 |
| Average equity | $1,705,500 | 7,199 |
| Average total loans | $41,540,500 | 5,566 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 3,983 |
| Cost of funding earning assets | 1.9269% | 133 |
| Net interest margin | 2.8331% | 6,783 |
| Noninterest income to average assets | -0.3332% | 7,219 |
| Noninterest expense to average assets | 3.8210% | 1,306 |
| Loan and lease loss provision to assets | 0.2430% | 3,775 |
| Net operating income to assets | -1.8407% | 6,999 |
| Return on assets (ROA) | -1.8101% | 7,009 |
| Pretax return on assets | -1.8101% | 6,982 |
| Return on Equity (ROE) | -56.0815% | 7,230 |
| Retained earnings to average equity (ytd only) | -56.0815% | 7,229 |
| Net charge-offs to loans | 0.7926% | 2,176 |
| Credit loss provision to net charge-offs | 44.1799% | 5,549 |
| Earnings coverage of net charge-offs (x) | -2.9048% | 6,318 |
| Efficiency ratio | 171.8586% | 91 |
| Assets per employee ($millions) | 4.1869% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0383% | 174 |
| Loan loss allowance to noncurrent loans | 53.6177% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 14.1997% | 144 |
| Noncurrent loans to loans | 9.3967% | 361 |
| Net loans and leases to total assets | 63.3829% | 3,315 |
| Net loans and leases to deposits | 68.8810% | 4,297 |
| Net loans and leases to core deposits | 104.6011% | 867 |
| Total domestic deposits to total assets | 92.0180% | 237 |
| Equity capital to assets | 2.9075% | 7,283 |
| Core capital (leverage) ratio | 2.7936% | 7,279 |
| Tier 1 risk-based capital ratio | 3.8217% | 7,286 |
| Total risk-based capital ratio | 5.1129% | 7,286 |
| Memoranda: | ||
| Average total assets | $68,725,200 | 5,787 |
| Average earning assets | $62,016,800 | 5,805 |
| Average equity | $2,218,200 | 7,175 |
| Average total loans | $47,688,600 | 5,359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 3,704 |
| Cost of funding earning assets | 1.9507% | 143 |
| Net interest margin | 2.9155% | 6,729 |
| Noninterest income to average assets | -0.7672% | 7,390 |
| Noninterest expense to average assets | 3.4052% | 2,176 |
| Loan and lease loss provision to assets | 0.6704% | 1,441 |
| Net operating income to assets | -2.2030% | 7,175 |
| Return on assets (ROA) | -2.2030% | 7,181 |
| Pretax return on assets | -2.2030% | 7,163 |
| Return on Equity (ROE) | -66.7730% | 7,338 |
| Retained earnings to average equity (ytd only) | -66.7730% | 7,335 |
| Net charge-offs to loans | 0.2768% | 3,698 |
| Credit loss provision to net charge-offs | 346.0784% | 820 |
| Earnings coverage of net charge-offs (x) | -7.9115% | 6,124 |
| Efficiency ratio | 181.8458% | 69 |
| Assets per employee ($millions) | 4.2365% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6965% | 119 |
| Loan loss allowance to noncurrent loans | 100.3509% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 9.8563% | 369 |
| Noncurrent loans to loans | 5.6765% | 1,017 |
| Net loans and leases to total assets | 62.8644% | 3,535 |
| Net loans and leases to deposits | 68.1040% | 4,587 |
| Net loans and leases to core deposits | 115.1240% | 523 |
| Total domestic deposits to total assets | 92.3064% | 179 |
| Equity capital to assets | 2.9166% | 7,369 |
| Core capital (leverage) ratio | 2.8138% | 7,357 |
| Tier 1 risk-based capital ratio | 3.7896% | 7,367 |
| Total risk-based capital ratio | 5.0895% | 7,367 |
| Memoranda: | ||
| Average total assets | $70,205,500 | 5,777 |
| Average earning assets | $63,566,750 | 5,787 |
| Average equity | $2,316,250 | 7,234 |
| Average total loans | $49,131,000 | 5,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9423% | 3,431 |
| Cost of funding earning assets | 1.9726% | 154 |
| Net interest margin | 2.9697% | 6,658 |
| Noninterest income to average assets | -0.3971% | 7,408 |
| Noninterest expense to average assets | 3.4473% | 2,126 |
| Loan and lease loss provision to assets | 1.2927% | 576 |
| Net operating income to assets | -2.4362% | 7,257 |
| Return on assets (ROA) | -2.4362% | 7,262 |
| Pretax return on assets | -2.4362% | 7,241 |
| Return on Equity (ROE) | -71.2131% | 7,404 |
| Retained earnings to average equity (ytd only) | -71.2131% | 7,401 |
| Net charge-offs to loans | 0.4520% | 2,769 |
| Credit loss provision to net charge-offs | 402.6316% | 741 |
| Earnings coverage of net charge-offs (x) | -3.5614% | 5,772 |
| Efficiency ratio | 149.6333% | 154 |
| Assets per employee ($millions) | 4.1892% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5719% | 137 |
| Loan loss allowance to noncurrent loans | 449.9157% | 734 |
| Noncurrent assets plus other real estate owned to assets | 7.7118% | 619 |
| Noncurrent loans to loans | 1.2384% | 4,589 |
| Net loans and leases to total assets | 67.4579% | 2,718 |
| Net loans and leases to deposits | 73.4224% | 3,889 |
| Net loans and leases to core deposits | 125.5031% | 320 |
| Total domestic deposits to total assets | 91.8764% | 264 |
| Equity capital to assets | 3.2778% | 7,423 |
| Core capital (leverage) ratio | 3.1271% | 7,419 |
| Tier 1 risk-based capital ratio | 4.1427% | 7,426 |
| Total risk-based capital ratio | 5.4400% | 7,427 |
| Memoranda: | ||
| Average total assets | $71,012,670 | 5,797 |
| Average earning assets | $64,585,670 | 5,801 |
| Average equity | $2,429,330 | 7,263 |
| Average total loans | $50,446,000 | 5,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 3,898 |
| Cost of funding earning assets | 1.9535% | 200 |
| Net interest margin | 2.8794% | 6,791 |
| Noninterest income to average assets | -0.7232% | 7,519 |
| Noninterest expense to average assets | 3.4463% | 2,154 |
| Loan and lease loss provision to assets | 1.7916% | 324 |
| Net operating income to assets | -3.3203% | 7,416 |
| Return on assets (ROA) | -3.3203% | 7,419 |
| Pretax return on assets | -3.3203% | 7,404 |
| Return on Equity (ROE) | -95.2269% | 7,493 |
| Retained earnings to average equity (ytd only) | -95.2269% | 7,488 |
| Net charge-offs to loans | 0.5490% | 2,121 |
| Credit loss provision to net charge-offs | 460.5634% | 764 |
| Earnings coverage of net charge-offs (x) | -3.9296% | 5,007 |
| Efficiency ratio | 179.7143% | 85 |
| Assets per employee ($millions) | 4.3764% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1293% | 178 |
| Loan loss allowance to noncurrent loans | 247.0307% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 7.9961% | 595 |
| Noncurrent loans to loans | 2.0764% | 3,479 |
| Net loans and leases to total assets | 68.1229% | 2,523 |
| Net loans and leases to deposits | 74.0296% | 3,757 |
| Net loans and leases to core deposits | 123.4242% | 359 |
| Total domestic deposits to total assets | 92.0211% | 279 |
| Equity capital to assets | 3.2233% | 7,477 |
| Core capital (leverage) ratio | 3.2802% | 7,473 |
| Tier 1 risk-based capital ratio | 4.4485% | 7,476 |
| Total risk-based capital ratio | 5.7417% | 7,476 |
| Memoranda: | ||
| Average total assets | $73,005,500 | 5,785 |
| Average earning assets | $66,958,000 | 5,766 |
| Average equity | $2,545,500 | 7,285 |
| Average total loans | $51,727,500 | 5,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 5,484 |
| Cost of funding earning assets | 2.1181% | 400 |
| Net interest margin | 2.6633% | 7,159 |
| Noninterest income to average assets | -1.1854% | 7,633 |
| Noninterest expense to average assets | 2.7690% | 4,712 |
| Loan and lease loss provision to assets | 1.9994% | 659 |
| Net operating income to assets | -3.5293% | 7,378 |
| Return on assets (ROA) | -3.1731% | 7,343 |
| Pretax return on assets | -3.1731% | 7,322 |
| Return on Equity (ROE) | -56.5759% | 7,462 |
| Retained earnings to average equity (ytd only) | -56.5759% | 7,460 |
| Net charge-offs to loans | 3.1826% | 500 |
| Credit loss provision to net charge-offs | 92.0925% | 5,042 |
| Earnings coverage of net charge-offs (x) | -0.7047% | 6,529 |
| Efficiency ratio | 223.4684% | 70 |
| Assets per employee ($millions) | 5.0659% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3686% | 292 |
| Loan loss allowance to noncurrent loans | 116.9688% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 8.1288% | 604 |
| Noncurrent loans to loans | 3.7348% | 1,985 |
| Net loans and leases to total assets | 66.9202% | 3,243 |
| Net loans and leases to deposits | 72.8059% | 4,378 |
| Net loans and leases to core deposits | 121.3217% | 494 |
| Total domestic deposits to total assets | 91.9159% | 301 |
| Equity capital to assets | 3.7295% | 7,521 |
| Core capital (leverage) ratio | 3.8096% | 7,511 |
| Tier 1 risk-based capital ratio | 5.2674% | 7,513 |
| Total risk-based capital ratio | 6.5515% | 7,514 |
| Memoranda: | ||
| Average total assets | $85,627,000 | 5,421 |
| Average earning assets | $77,948,800 | 5,407 |
| Average equity | $4,802,400 | 6,725 |
| Average total loans | $58,411,200 | 5,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 5,772 |
| Cost of funding earning assets | 2.1563% | 439 |
| Net interest margin | 2.6169% | 7,303 |
| Noninterest income to average assets | -0.5755% | 7,690 |
| Noninterest expense to average assets | 2.7230% | 4,785 |
| Loan and lease loss provision to assets | 0.6209% | 2,452 |
| Net operating income to assets | -1.5448% | 7,119 |
| Return on assets (ROA) | -1.5024% | 7,120 |
| Pretax return on assets | -1.5024% | 7,041 |
| Return on Equity (ROE) | -24.9812% | 7,319 |
| Retained earnings to average equity (ytd only) | -24.9812% | 7,308 |
| Net charge-offs to loans | 3.4784% | 391 |
| Credit loss provision to net charge-offs | 26.3158% | 6,191 |
| Earnings coverage of net charge-offs (x) | -0.3915% | 6,287 |
| Efficiency ratio | 151.3468% | 200 |
| Assets per employee ($millions) | 5.5745% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4492% | 1,400 |
| Loan loss allowance to noncurrent loans | 81.1043% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 8.5041% | 566 |
| Noncurrent loans to loans | 3.0198% | 2,639 |
| Net loans and leases to total assets | 62.9709% | 4,331 |
| Net loans and leases to deposits | 70.0144% | 5,143 |
| Net loans and leases to core deposits | 123.4931% | 517 |
| Total domestic deposits to total assets | 89.9400% | 912 |
| Equity capital to assets | 6.0489% | 7,483 |
| Core capital (leverage) ratio | 5.5435% | 7,492 |
| Tier 1 risk-based capital ratio | 7.7711% | 7,497 |
| Total risk-based capital ratio | 9.0318% | 7,499 |
| Memoranda: | ||
| Average total assets | $88,036,500 | 5,412 |
| Average earning assets | $79,888,500 | 5,412 |
| Average equity | $5,294,500 | 6,648 |
| Average total loans | $59,720,250 | 5,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 6,015 |
| Cost of funding earning assets | 2.1936% | 479 |
| Net interest margin | 2.5441% | 7,391 |
| Noninterest income to average assets | 0.2927% | 5,809 |
| Noninterest expense to average assets | 3.0433% | 3,544 |
| Loan and lease loss provision to assets | 0.6122% | 2,346 |
| Net operating income to assets | -1.0435% | 6,963 |
| Return on assets (ROA) | -0.9809% | 6,958 |
| Pretax return on assets | -0.9809% | 6,882 |
| Return on Equity (ROE) | -16.3400% | 7,182 |
| Retained earnings to average equity (ytd only) | -16.3400% | 7,147 |
| Net charge-offs to loans | 1.7912% | 1,042 |
| Credit loss provision to net charge-offs | 49.6377% | 5,425 |
| Earnings coverage of net charge-offs (x) | -0.3496% | 5,951 |
| Efficiency ratio | 116.5098% | 458 |
| Assets per employee ($millions) | 5.4581% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7087% | 470 |
| Loan loss allowance to noncurrent loans | 78.3137% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 9.6244% | 437 |
| Noncurrent loans to loans | 4.7356% | 1,496 |
| Net loans and leases to total assets | 65.1700% | 4,006 |
| Net loans and leases to deposits | 72.6283% | 4,891 |
| Net loans and leases to core deposits | 125.6913% | 525 |
| Total domestic deposits to total assets | 89.7309% | 1,060 |
| Equity capital to assets | 6.3483% | 7,492 |
| Core capital (leverage) ratio | 5.9840% | 7,482 |
| Tier 1 risk-based capital ratio | 8.1414% | 7,514 |
| Total risk-based capital ratio | 9.4179% | 7,523 |
| Memoranda: | ||
| Average total assets | $89,509,330 | 5,410 |
| Average earning assets | $81,599,330 | 5,383 |
| Average equity | $5,373,330 | 6,659 |
| Average total loans | $61,634,670 | 5,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 6,565 |
| Cost of funding earning assets | 2.2226% | 550 |
| Net interest margin | 2.3765% | 7,544 |
| Noninterest income to average assets | 0.0883% | 7,265 |
| Noninterest expense to average assets | 2.7903% | 4,517 |
| Loan and lease loss provision to assets | 0.7947% | 1,594 |
| Net operating income to assets | -1.3157% | 7,257 |
| Return on assets (ROA) | -1.1965% | 7,236 |
| Pretax return on assets | -1.1965% | 7,145 |
| Return on Equity (ROE) | -20.4992% | 7,447 |
| Retained earnings to average equity (ytd only) | -20.4992% | 7,388 |
| Net charge-offs to loans | 2.8553% | 555 |
| Credit loss provision to net charge-offs | 40.0891% | 4,639 |
| Earnings coverage of net charge-offs (x) | -0.2628% | 5,192 |
| Efficiency ratio | 122.9572% | 413 |
| Assets per employee ($millions) | 5.6444% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5561% | 522 |
| Loan loss allowance to noncurrent loans | 74.5344% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 9.6966% | 419 |
| Noncurrent loans to loans | 4.7711% | 1,541 |
| Net loans and leases to total assets | 66.0979% | 3,830 |
| Net loans and leases to deposits | 74.8483% | 4,614 |
| Net loans and leases to core deposits | 128.6127% | 524 |
| Total domestic deposits to total assets | 88.3092% | 1,900 |
| Equity capital to assets | 5.6339% | 7,669 |
| Core capital (leverage) ratio | 5.4901% | 7,653 |
| Tier 1 risk-based capital ratio | 7.1574% | 7,685 |
| Total risk-based capital ratio | 8.4301% | 7,687 |
| Memoranda: | ||
| Average total assets | $90,599,000 | 5,432 |
| Average earning assets | $83,147,500 | 5,393 |
| Average equity | $5,288,000 | 6,744 |
| Average total loans | $62,899,500 | 5,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 3,298 |
| Cost of funding earning assets | 2.5109% | 1,003 |
| Net interest margin | 3.1479% | 6,230 |
| Noninterest income to average assets | -0.4969% | 7,944 |
| Noninterest expense to average assets | 2.6295% | 5,676 |
| Loan and lease loss provision to assets | 5.1522% | 175 |
| Net operating income to assets | -5.3240% | 7,786 |
| Return on assets (ROA) | -5.3240% | 7,775 |
| Pretax return on assets | -5.3240% | 7,743 |
| Return on Equity (ROE) | -53.3554% | 7,711 |
| Retained earnings to average equity (ytd only) | -53.3554% | 7,706 |
| Net charge-offs to loans | 5.0500% | 255 |
| Credit loss provision to net charge-offs | 125.9364% | 4,146 |
| Earnings coverage of net charge-offs (x) | -0.0420% | 6,262 |
| Efficiency ratio | 106.9910% | 871 |
| Assets per employee ($millions) | 6.0592% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8651% | 392 |
| Loan loss allowance to noncurrent loans | 135.7889% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 7.3024% | 679 |
| Noncurrent loans to loans | 2.8464% | 2,705 |
| Net loans and leases to total assets | 67.5942% | 3,799 |
| Net loans and leases to deposits | 79.2914% | 4,118 |
| Net loans and leases to core deposits | 143.3287% | 697 |
| Total domestic deposits to total assets | 85.2478% | 3,433 |
| Equity capital to assets | 6.0382% | 7,659 |
| Core capital (leverage) ratio | 5.7625% | 7,675 |
| Tier 1 risk-based capital ratio | 7.4528% | 7,702 |
| Total risk-based capital ratio | 8.7309% | 7,708 |
| Memoranda: | ||
| Average total assets | $86,137,800 | 5,519 |
| Average earning assets | $80,846,600 | 5,428 |
| Average equity | $8,595,200 | 5,734 |
| Average total loans | $69,782,800 | 4,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 2,714 |
| Cost of funding earning assets | 2.5855% | 1,067 |
| Net interest margin | 3.2519% | 5,825 |
| Noninterest income to average assets | 0.1114% | 7,340 |
| Noninterest expense to average assets | 2.4688% | 6,182 |
| Loan and lease loss provision to assets | 4.0886% | 285 |
| Net operating income to assets | -3.3823% | 7,669 |
| Return on assets (ROA) | -3.3823% | 7,675 |
| Pretax return on assets | -3.3823% | 7,591 |
| Return on Equity (ROE) | -30.6579% | 7,621 |
| Retained earnings to average equity (ytd only) | -30.6579% | 7,606 |
| Net charge-offs to loans | 4.1111% | 335 |
| Credit loss provision to net charge-offs | 118.5708% | 4,276 |
| Earnings coverage of net charge-offs (x) | 0.2048% | 5,818 |
| Efficiency ratio | 77.7558% | 3,205 |
| Assets per employee ($millions) | 5.5141% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8734% | 742 |
| Loan loss allowance to noncurrent loans | 50.5404% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 8.7752% | 452 |
| Noncurrent loans to loans | 5.6853% | 1,084 |
| Net loans and leases to total assets | 75.2477% | 2,178 |
| Net loans and leases to deposits | 91.6278% | 2,303 |
| Net loans and leases to core deposits | 168.7888% | 281 |
| Total domestic deposits to total assets | 82.1232% | 4,632 |
| Equity capital to assets | 8.9894% | 5,494 |
| Core capital (leverage) ratio | 8.7665% | 5,026 |
| Tier 1 risk-based capital ratio | 10.4965% | 6,476 |
| Total risk-based capital ratio | 11.7643% | 6,409 |
| Memoranda: | ||
| Average total assets | $84,950,250 | 5,590 |
| Average earning assets | $80,033,500 | 5,493 |
| Average equity | $9,372,000 | 5,529 |
| Average total loans | $71,252,250 | 4,867 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 1,988 |
| Cost of funding earning assets | 2.6522% | 1,156 |
| Net interest margin | 3.3966% | 5,187 |
| Noninterest income to average assets | 0.1121% | 7,423 |
| Noninterest expense to average assets | 3.1458% | 3,517 |
| Loan and lease loss provision to assets | 0.9134% | 1,849 |
| Net operating income to assets | -0.7370% | 6,782 |
| Return on assets (ROA) | -0.7370% | 6,786 |
| Pretax return on assets | -0.7370% | 6,633 |
| Return on Equity (ROE) | -6.2726% | 6,741 |
| Retained earnings to average equity (ytd only) | -6.2726% | 6,488 |
| Net charge-offs to loans | 1.7558% | 1,084 |
| Credit loss provision to net charge-offs | 60.4101% | 5,583 |
| Earnings coverage of net charge-offs (x) | 0.1167% | 5,551 |
| Efficiency ratio | 94.6877% | 1,463 |
| Assets per employee ($millions) | 5.0520% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 2,071 |
| Loan loss allowance to noncurrent loans | 23.5432% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 10.2638% | 271 |
| Noncurrent loans to loans | 7.6107% | 607 |
| Net loans and leases to total assets | 83.2833% | 745 |
| Net loans and leases to deposits | 105.4333% | 799 |
| Net loans and leases to core deposits | 177.1567% | 248 |
| Total domestic deposits to total assets | 78.9914% | 5,815 |
| Equity capital to assets | 11.2547% | 2,711 |
| Core capital (leverage) ratio | 11.2306% | 2,242 |
| Tier 1 risk-based capital ratio | 12.3978% | 4,601 |
| Total risk-based capital ratio | 13.6528% | 4,524 |
| Memoranda: | ||
| Average total assets | $83,858,330 | 5,662 |
| Average earning assets | $79,254,670 | 5,556 |
| Average equity | $9,852,330 | 5,406 |
| Average total loans | $72,219,000 | 4,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 2,900 |
| Cost of funding earning assets | 2.7424% | 1,134 |
| Net interest margin | 3.1363% | 6,083 |
| Noninterest income to average assets | 0.1014% | 7,533 |
| Noninterest expense to average assets | 3.2060% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1062% | 6,421 |
| Return on assets (ROA) | -0.1062% | 6,534 |
| Pretax return on assets | -0.1062% | 6,484 |
| Return on Equity (ROE) | -0.8848% | 6,524 |
| Retained earnings to average equity (ytd only) | -0.8848% | 5,860 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4268% | 1,001 |
| Assets per employee ($millions) | 4.3662% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1382% | 1,169 |
| Loan loss allowance to noncurrent loans | 18.9179% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 11.6915% | 152 |
| Noncurrent loans to loans | 11.3026% | 210 |
| Net loans and leases to total assets | 85.8446% | 470 |
| Net loans and leases to deposits | 110.1734% | 601 |
| Net loans and leases to core deposits | 199.5936% | 144 |
| Total domestic deposits to total assets | 77.9177% | 6,046 |
| Equity capital to assets | 12.0880% | 2,210 |
| Core capital (leverage) ratio | 11.7972% | 1,999 |
| Tier 1 risk-based capital ratio | 13.1325% | 4,101 |
| Total risk-based capital ratio | 14.3923% | 4,007 |
| Memoranda: | ||
| Average total assets | $82,845,500 | 5,710 |
| Average earning assets | $79,201,000 | 5,579 |
| Average equity | $9,945,500 | 5,402 |
| Average total loans | $71,912,500 | 4,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8301% | 1,588 |
| Cost of funding earning assets | 3.1581% | 1,325 |
| Net interest margin | 3.6720% | 4,593 |
| Noninterest income to average assets | 0.1000% | 7,633 |
| Noninterest expense to average assets | 3.4330% | 2,570 |
| Loan and lease loss provision to assets | 2.2660% | 503 |
| Net operating income to assets | -2.0870% | 7,623 |
| Return on assets (ROA) | -2.0870% | 7,586 |
| Pretax return on assets | -2.0870% | 7,466 |
| Return on Equity (ROE) | -16.5716% | 7,648 |
| Retained earnings to average equity (ytd only) | -19.1995% | 7,657 |
| Net charge-offs to loans | 1.7853% | 614 |
| Credit loss provision to net charge-offs | 143.8088% | 3,678 |
| Earnings coverage of net charge-offs (x) | 0.1136% | 6,178 |
| Efficiency ratio | 95.0427% | 1,218 |
| Assets per employee ($millions) | 4.1367% | 3,240 |
| Cash dividends to net income (ytd only)* | -15.8580% | 7,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1899% | 960 |
| Loan loss allowance to noncurrent loans | 20.6448% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 10.6427% | 136 |
| Noncurrent loans to loans | 10.6074% | 184 |
| Net loans and leases to total assets | 84.0028% | 885 |
| Net loans and leases to deposits | 103.4797% | 1,401 |
| Net loans and leases to core deposits | 192.9321% | 200 |
| Total domestic deposits to total assets | 81.1780% | 4,569 |
| Equity capital to assets | 11.9215% | 2,342 |
| Core capital (leverage) ratio | 11.9804% | 1,971 |
| Tier 1 risk-based capital ratio | 13.1622% | 4,022 |
| Total risk-based capital ratio | 14.4220% | 3,924 |
| Memoranda: | ||
| Average total assets | $80,978,800 | 5,663 |
| Average earning assets | $77,450,800 | 5,528 |
| Average equity | $10,198,200 | 5,346 |
| Average total loans | $71,471,600 | 4,809 |