Home > Advance Bank > Performance and Condition Ratios
Advance Bank, Performance and Condition Ratios
| 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 | 5.9808% | 187 |
| Cost of funding earning assets | 0.8752% | 926 |
| Net interest margin | 5.1056% | 254 |
| Noninterest income to average assets | 0.3303% | 5,045 |
| Noninterest expense to average assets | 4.9315% | 353 |
| Loan and lease loss provision to assets | -0.1732% | 6,699 |
| Net operating income to assets | -0.1617% | 6,440 |
| Return on assets (ROA) | -0.1617% | 6,470 |
| Pretax return on assets | -0.3049% | 6,518 |
| Return on Equity (ROE) | -1.6389% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.6389% | 6,220 |
| Net charge-offs to loans | 0.2222% | 2,477 |
| Credit loss provision to net charge-offs | -104.1667% | 5,794 |
| Earnings coverage of net charge-offs (x) | -2.8749% | 5,102 |
| Efficiency ratio | 110.0104% | 267 |
| Assets per employee ($millions) | 2.8523% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 3,595 |
| Loan loss allowance to noncurrent loans | 31.7333% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 5.8162% | 428 |
| Noncurrent loans to loans | 4.6307% | 689 |
| Net loans and leases to total assets | 73.6184% | 1,344 |
| Net loans and leases to deposits | 91.9263% | 983 |
| Net loans and leases to core deposits | 95.3537% | 1,443 |
| Total domestic deposits to total assets | 80.0841% | 5,486 |
| Equity capital to assets | 10.2319% | 3,597 |
| Core capital (leverage) ratio | 8.9973% | 5,134 |
| Tier 1 risk-based capital ratio | 14.0640% | 4,380 |
| Total risk-based capital ratio | 15.3184% | 4,328 |
| Memoranda: | ||
| Average total assets | $57,722,750 | 5,880 |
| Average earning assets | $46,614,500 | 6,037 |
| Average equity | $5,694,750 | 5,948 |
| Average total loans | $43,196,250 | 5,273 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0260% | 176 |
| Cost of funding earning assets | 0.8934% | 930 |
| Net interest margin | 5.1326% | 237 |
| Noninterest income to average assets | 0.2988% | 5,316 |
| Noninterest expense to average assets | 4.8897% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2581% | 6,526 |
| Return on assets (ROA) | -0.2581% | 6,554 |
| Pretax return on assets | -0.4550% | 6,613 |
| Return on Equity (ROE) | -2.6459% | 6,559 |
| Retained earnings to average equity (ytd only) | -2.6459% | 6,268 |
| Net charge-offs to loans | 0.1361% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -4.4667% | 4,823 |
| Efficiency ratio | 109.4181% | 288 |
| Assets per employee ($millions) | 2.7264% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,781 |
| Loan loss allowance to noncurrent loans | 38.9589% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 5.3672% | 552 |
| Noncurrent loans to loans | 4.3613% | 825 |
| Net loans and leases to total assets | 71.8435% | 1,605 |
| Net loans and leases to deposits | 88.7178% | 1,263 |
| Net loans and leases to core deposits | 92.3260% | 1,679 |
| Total domestic deposits to total assets | 80.9798% | 5,342 |
| Equity capital to assets | 9.8611% | 4,109 |
| Core capital (leverage) ratio | 8.6469% | 5,486 |
| Tier 1 risk-based capital ratio | 13.8574% | 4,518 |
| Total risk-based capital ratio | 15.1164% | 4,486 |
| Memoranda: | ||
| Average total assets | $58,899,330 | 5,880 |
| Average earning assets | $47,461,330 | 6,056 |
| Average equity | $5,744,670 | 5,987 |
| Average total loans | $44,098,000 | 5,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9462% | 186 |
| Cost of funding earning assets | 0.9002% | 985 |
| Net interest margin | 5.0460% | 275 |
| Noninterest income to average assets | 0.0402% | 6,760 |
| Noninterest expense to average assets | 4.8090% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4019% | 6,628 |
| Return on assets (ROA) | -0.4019% | 6,661 |
| Pretax return on assets | -0.6765% | 6,723 |
| Return on Equity (ROE) | -4.1422% | 6,658 |
| Retained earnings to average equity (ytd only) | -4.1422% | 6,290 |
| Net charge-offs to loans | 0.0177% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -50.5000% | 4,135 |
| Efficiency ratio | 115.5592% | 253 |
| Assets per employee ($millions) | 2.7943% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,147 |
| Loan loss allowance to noncurrent loans | 37.0798% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 4.8722% | 752 |
| Noncurrent loans to loans | 4.4958% | 923 |
| Net loans and leases to total assets | 74.2860% | 1,037 |
| Net loans and leases to deposits | 91.3321% | 864 |
| Net loans and leases to core deposits | 94.9343% | 1,271 |
| Total domestic deposits to total assets | 81.3361% | 5,406 |
| Equity capital to assets | 9.8279% | 4,384 |
| Core capital (leverage) ratio | 8.5788% | 5,471 |
| Tier 1 risk-based capital ratio | 13.7733% | 4,672 |
| Total risk-based capital ratio | 15.0327% | 4,629 |
| Memoranda: | ||
| Average total assets | $59,721,500 | 5,911 |
| Average earning assets | $48,434,000 | 6,088 |
| Average equity | $5,794,000 | 6,034 |
| Average total loans | $45,224,500 | 5,241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 240 |
| Cost of funding earning assets | 0.9474% | 1,658 |
| Net interest margin | 5.1290% | 309 |
| Noninterest income to average assets | 0.5493% | 3,586 |
| Noninterest expense to average assets | 4.3658% | 639 |
| Loan and lease loss provision to assets | 0.0397% | 5,373 |
| Net operating income to assets | 0.0844% | 6,034 |
| Return on assets (ROA) | 0.0905% | 6,168 |
| Pretax return on assets | 0.4334% | 5,470 |
| Return on Equity (ROE) | 0.9766% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.9766% | 5,390 |
| Net charge-offs to loans | 0.3480% | 2,894 |
| Credit loss provision to net charge-offs | 14.4509% | 5,352 |
| Earnings coverage of net charge-offs (x) | 1.6879% | 4,591 |
| Efficiency ratio | 89.5464% | 1,105 |
| Assets per employee ($millions) | 2.8935% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,272 |
| Loan loss allowance to noncurrent loans | 36.9522% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 5.4523% | 684 |
| Noncurrent loans to loans | 4.3540% | 1,005 |
| Net loans and leases to total assets | 74.6787% | 1,098 |
| Net loans and leases to deposits | 91.4877% | 950 |
| Net loans and leases to core deposits | 95.4642% | 1,350 |
| Total domestic deposits to total assets | 81.6270% | 5,215 |
| Equity capital to assets | 9.5798% | 4,779 |
| Core capital (leverage) ratio | 8.4240% | 5,726 |
| Tier 1 risk-based capital ratio | 13.3016% | 4,894 |
| Total risk-based capital ratio | 14.5594% | 4,835 |
| Memoranda: | ||
| Average total assets | $62,989,600 | 5,855 |
| Average earning assets | $52,563,800 | 5,969 |
| Average equity | $5,836,800 | 6,063 |
| Average total loans | $49,708,600 | 5,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 262 |
| Cost of funding earning assets | 0.9476% | 1,866 |
| Net interest margin | 5.1169% | 329 |
| Noninterest income to average assets | 0.5770% | 3,431 |
| Noninterest expense to average assets | 4.3138% | 653 |
| Loan and lease loss provision to assets | 0.0210% | 5,530 |
| Net operating income to assets | 0.3840% | 5,315 |
| Return on assets (ROA) | 0.3840% | 5,525 |
| Pretax return on assets | 0.5476% | 5,312 |
| Return on Equity (ROE) | 4.1774% | 5,214 |
| Retained earnings to average equity (ytd only) | 4.1774% | 3,958 |
| Net charge-offs to loans | 0.2898% | 2,988 |
| Credit loss provision to net charge-offs | 9.0909% | 5,092 |
| Earnings coverage of net charge-offs (x) | 2.4637% | 4,054 |
| Efficiency ratio | 87.4946% | 1,251 |
| Assets per employee ($millions) | 2.9180% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 3,379 |
| Loan loss allowance to noncurrent loans | 40.0812% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 5.3135% | 816 |
| Noncurrent loans to loans | 4.0851% | 1,237 |
| Net loans and leases to total assets | 77.4470% | 800 |
| Net loans and leases to deposits | 94.7020% | 738 |
| Net loans and leases to core deposits | 99.2887% | 1,171 |
| Total domestic deposits to total assets | 81.7798% | 5,095 |
| Equity capital to assets | 9.6984% | 4,922 |
| Core capital (leverage) ratio | 8.3418% | 5,955 |
| Tier 1 risk-based capital ratio | 13.4050% | 4,946 |
| Total risk-based capital ratio | 14.6667% | 4,891 |
| Memoranda: | ||
| Average total assets | $63,546,250 | 5,892 |
| Average earning assets | $53,468,750 | 6,009 |
| Average equity | $5,840,750 | 6,139 |
| Average total loans | $50,606,000 | 5,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0771% | 265 |
| Cost of funding earning assets | 0.9508% | 2,060 |
| Net interest margin | 5.1263% | 325 |
| Noninterest income to average assets | 0.5785% | 3,384 |
| Noninterest expense to average assets | 4.2736% | 669 |
| Loan and lease loss provision to assets | 0.2799% | 2,346 |
| Net operating income to assets | 0.2582% | 5,738 |
| Return on assets (ROA) | 0.2582% | 5,932 |
| Pretax return on assets | 0.3515% | 5,825 |
| Return on Equity (ROE) | 2.8588% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.8588% | 4,722 |
| Net charge-offs to loans | 0.3502% | 2,617 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.2556% | 3,867 |
| Efficiency ratio | 86.1763% | 1,416 |
| Assets per employee ($millions) | 3.1515% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,802 |
| Loan loss allowance to noncurrent loans | 39.1381% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 5.3847% | 846 |
| Noncurrent loans to loans | 4.6378% | 1,124 |
| Net loans and leases to total assets | 76.3795% | 922 |
| Net loans and leases to deposits | 92.9167% | 853 |
| Net loans and leases to core deposits | 96.7698% | 1,375 |
| Total domestic deposits to total assets | 82.2021% | 5,056 |
| Equity capital to assets | 9.2781% | 5,352 |
| Core capital (leverage) ratio | 7.8721% | 6,391 |
| Tier 1 risk-based capital ratio | 12.7481% | 5,380 |
| Total risk-based capital ratio | 14.0107% | 5,342 |
| Memoranda: | ||
| Average total assets | $64,302,330 | 5,905 |
| Average earning assets | $54,269,000 | 6,025 |
| Average equity | $5,806,670 | 6,171 |
| Average total loans | $51,392,000 | 5,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0461% | 287 |
| Cost of funding earning assets | 0.9584% | 2,243 |
| Net interest margin | 5.0876% | 349 |
| Noninterest income to average assets | 0.6468% | 2,945 |
| Noninterest expense to average assets | 4.3857% | 603 |
| Loan and lease loss provision to assets | 0.2772% | 2,243 |
| Net operating income to assets | 0.2464% | 5,834 |
| Return on assets (ROA) | 0.2464% | 5,981 |
| Pretax return on assets | 0.3326% | 5,903 |
| Return on Equity (ROE) | 2.7653% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.7653% | 4,873 |
| Net charge-offs to loans | 0.2967% | 2,475 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 2.5385% | 3,154 |
| Efficiency ratio | 86.8064% | 1,398 |
| Assets per employee ($millions) | 3.0532% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 3,136 |
| Loan loss allowance to noncurrent loans | 31.2195% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 5.5274% | 886 |
| Noncurrent loans to loans | 5.6290% | 935 |
| Net loans and leases to total assets | 78.1228% | 579 |
| Net loans and leases to deposits | 94.6935% | 624 |
| Net loans and leases to core deposits | 99.0214% | 1,050 |
| Total domestic deposits to total assets | 82.5007% | 5,127 |
| Equity capital to assets | 9.0538% | 5,415 |
| Core capital (leverage) ratio | 7.6352% | 6,543 |
| Tier 1 risk-based capital ratio | 12.1794% | 5,842 |
| Total risk-based capital ratio | 13.4428% | 5,803 |
| Memoranda: | ||
| Average total assets | $64,938,500 | 5,922 |
| Average earning assets | $55,507,000 | 6,015 |
| Average equity | $5,786,000 | 6,202 |
| Average total loans | $52,572,000 | 5,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 538 |
| Cost of funding earning assets | 1.0132% | 3,279 |
| Net interest margin | 4.8747% | 539 |
| Noninterest income to average assets | 0.5209% | 3,716 |
| Noninterest expense to average assets | 5.0266% | 375 |
| Loan and lease loss provision to assets | 1.4487% | 526 |
| Net operating income to assets | -2.7265% | 7,143 |
| Return on assets (ROA) | -2.7265% | 7,153 |
| Pretax return on assets | -1.8848% | 7,000 |
| Return on Equity (ROE) | -27.9049% | 7,077 |
| Retained earnings to average equity (ytd only) | -27.9049% | 7,069 |
| Net charge-offs to loans | 1.4528% | 1,117 |
| Credit loss provision to net charge-offs | 125.8142% | 2,483 |
| Earnings coverage of net charge-offs (x) | -0.3788% | 6,041 |
| Efficiency ratio | 108.3510% | 465 |
| Assets per employee ($millions) | 2.7400% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,405 |
| Loan loss allowance to noncurrent loans | 35.1362% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 4.7004% | 1,162 |
| Noncurrent loans to loans | 4.6771% | 1,263 |
| Net loans and leases to total assets | 81.0036% | 410 |
| Net loans and leases to deposits | 97.8058% | 569 |
| Net loans and leases to core deposits | 101.6526% | 1,052 |
| Total domestic deposits to total assets | 82.8209% | 4,825 |
| Equity capital to assets | 8.7698% | 5,832 |
| Core capital (leverage) ratio | 7.3500% | 6,724 |
| Tier 1 risk-based capital ratio | 11.9204% | 5,880 |
| Total risk-based capital ratio | 13.1829% | 5,850 |
| Memoranda: | ||
| Average total assets | $71,996,400 | 5,690 |
| Average earning assets | $60,106,800 | 5,862 |
| Average equity | $7,034,600 | 5,857 |
| Average total loans | $57,060,400 | 4,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8486% | 627 |
| Cost of funding earning assets | 1.0218% | 3,525 |
| Net interest margin | 4.8268% | 593 |
| Noninterest income to average assets | 0.3970% | 4,689 |
| Noninterest expense to average assets | 4.8978% | 411 |
| Loan and lease loss provision to assets | 1.5426% | 436 |
| Net operating income to assets | -1.2761% | 6,981 |
| Return on assets (ROA) | -1.2761% | 7,000 |
| Pretax return on assets | -2.0447% | 7,133 |
| Return on Equity (ROE) | -12.7680% | 6,965 |
| Retained earnings to average equity (ytd only) | -12.7680% | 6,938 |
| Net charge-offs to loans | 1.5851% | 892 |
| Credit loss provision to net charge-offs | 123.8719% | 2,599 |
| Earnings coverage of net charge-offs (x) | -0.4032% | 5,800 |
| Efficiency ratio | 110.1856% | 425 |
| Assets per employee ($millions) | 2.4238% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 4,337 |
| Loan loss allowance to noncurrent loans | 22.8182% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 5.7191% | 958 |
| Noncurrent loans to loans | 6.3502% | 845 |
| Net loans and leases to total assets | 79.4398% | 567 |
| Net loans and leases to deposits | 96.6424% | 665 |
| Net loans and leases to core deposits | 101.1228% | 1,150 |
| Total domestic deposits to total assets | 82.1997% | 5,010 |
| Equity capital to assets | 10.0112% | 4,327 |
| Core capital (leverage) ratio | 7.3102% | 6,851 |
| Tier 1 risk-based capital ratio | 11.8059% | 6,031 |
| Total risk-based capital ratio | 13.0651% | 6,013 |
| Memoranda: | ||
| Average total assets | $73,555,500 | 5,695 |
| Average earning assets | $60,936,000 | 5,873 |
| Average equity | $7,351,500 | 5,799 |
| Average total loans | $57,786,000 | 5,006 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 695 |
| Cost of funding earning assets | 1.0181% | 3,831 |
| Net interest margin | 4.8018% | 600 |
| Noninterest income to average assets | 0.2787% | 5,655 |
| Noninterest expense to average assets | 4.7184% | 473 |
| Loan and lease loss provision to assets | 1.6773% | 406 |
| Net operating income to assets | -1.3504% | 7,053 |
| Return on assets (ROA) | -1.3504% | 7,059 |
| Pretax return on assets | -2.1489% | 7,197 |
| Return on Equity (ROE) | -13.5187% | 7,027 |
| Retained earnings to average equity (ytd only) | -13.5187% | 6,991 |
| Net charge-offs to loans | 1.6953% | 851 |
| Credit loss provision to net charge-offs | 126.9777% | 2,408 |
| Earnings coverage of net charge-offs (x) | -0.3570% | 5,479 |
| Efficiency ratio | 109.7161% | 479 |
| Assets per employee ($millions) | 2.4609% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,769 |
| Loan loss allowance to noncurrent loans | 22.4751% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 5.4803% | 1,081 |
| Noncurrent loans to loans | 6.0552% | 978 |
| Net loans and leases to total assets | 77.5573% | 834 |
| Net loans and leases to deposits | 93.5116% | 905 |
| Net loans and leases to core deposits | 98.8827% | 1,440 |
| Total domestic deposits to total assets | 82.9387% | 4,784 |
| Equity capital to assets | 9.7727% | 4,420 |
| Core capital (leverage) ratio | 7.3608% | 6,835 |
| Tier 1 risk-based capital ratio | 11.8126% | 5,932 |
| Total risk-based capital ratio | 13.0691% | 5,909 |
| Memoranda: | ||
| Average total assets | $74,643,670 | 5,703 |
| Average earning assets | $61,685,000 | 5,899 |
| Average equity | $7,456,330 | 5,783 |
| Average total loans | $58,161,330 | 5,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 802 |
| Cost of funding earning assets | 1.0264% | 4,016 |
| Net interest margin | 4.7252% | 666 |
| Noninterest income to average assets | 0.4370% | 4,391 |
| Noninterest expense to average assets | 5.0738% | 345 |
| Loan and lease loss provision to assets | 1.1725% | 604 |
| Net operating income to assets | -1.1938% | 7,095 |
| Return on assets (ROA) | -1.1938% | 7,097 |
| Pretax return on assets | -1.9080% | 7,238 |
| Return on Equity (ROE) | -11.8253% | 7,071 |
| Retained earnings to average equity (ytd only) | -11.8253% | 6,934 |
| Net charge-offs to loans | 0.1786% | 3,425 |
| Credit loss provision to net charge-offs | 846.1538% | 455 |
| Earnings coverage of net charge-offs (x) | -5.3077% | 5,028 |
| Efficiency ratio | 115.6020% | 400 |
| Assets per employee ($millions) | 2.3792% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 4,420 |
| Loan loss allowance to noncurrent loans | 16.7488% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 7.8883% | 609 |
| Noncurrent loans to loans | 8.6843% | 530 |
| Net loans and leases to total assets | 78.0815% | 718 |
| Net loans and leases to deposits | 94.3494% | 796 |
| Net loans and leases to core deposits | 98.9264% | 1,436 |
| Total domestic deposits to total assets | 82.7578% | 5,010 |
| Equity capital to assets | 10.1146% | 3,634 |
| Core capital (leverage) ratio | 7.9225% | 6,336 |
| Tier 1 risk-based capital ratio | 12.4197% | 5,338 |
| Total risk-based capital ratio | 13.6778% | 5,312 |
| Memoranda: | ||
| Average total assets | $75,051,500 | 5,728 |
| Average earning assets | $61,965,500 | 5,937 |
| Average equity | $7,577,000 | 5,750 |
| Average total loans | $58,217,500 | 5,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0718% | 740 |
| Cost of funding earning assets | 1.2477% | 4,232 |
| Net interest margin | 4.8241% | 641 |
| Noninterest income to average assets | 0.6620% | 3,069 |
| Noninterest expense to average assets | 5.0130% | 406 |
| Loan and lease loss provision to assets | 0.8573% | 1,904 |
| Net operating income to assets | -0.7664% | 6,560 |
| Return on assets (ROA) | -0.6853% | 6,544 |
| Pretax return on assets | -1.1172% | 6,703 |
| Return on Equity (ROE) | -6.6897% | 6,539 |
| Retained earnings to average equity (ytd only) | -6.6897% | 6,440 |
| Net charge-offs to loans | 0.8701% | 2,453 |
| Credit loss provision to net charge-offs | 130.2554% | 3,049 |
| Earnings coverage of net charge-offs (x) | -0.5874% | 6,497 |
| Efficiency ratio | 106.9592% | 604 |
| Assets per employee ($millions) | 2.3859% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 5,821 |
| Loan loss allowance to noncurrent loans | 16.5573% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 6.1246% | 961 |
| Noncurrent loans to loans | 6.8315% | 841 |
| Net loans and leases to total assets | 75.1035% | 1,456 |
| Net loans and leases to deposits | 90.4616% | 1,466 |
| Net loans and leases to core deposits | 97.4706% | 1,846 |
| Total domestic deposits to total assets | 83.0225% | 4,788 |
| Equity capital to assets | 10.0775% | 3,646 |
| Core capital (leverage) ratio | 8.1093% | 5,996 |
| Tier 1 risk-based capital ratio | 12.9576% | 4,628 |
| Total risk-based capital ratio | 14.2084% | 4,603 |
| Memoranda: | ||
| Average total assets | $77,338,800 | 5,668 |
| Average earning assets | $63,555,600 | 5,873 |
| Average equity | $7,922,600 | 5,739 |
| Average total loans | $58,497,400 | 5,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1125% | 742 |
| Cost of funding earning assets | 1.2810% | 4,364 |
| Net interest margin | 4.8315% | 631 |
| Noninterest income to average assets | 0.7080% | 2,782 |
| Noninterest expense to average assets | 5.0643% | 360 |
| Loan and lease loss provision to assets | 0.9486% | 1,578 |
| Net operating income to assets | -0.8227% | 6,801 |
| Return on assets (ROA) | -0.7149% | 6,784 |
| Pretax return on assets | -1.1634% | 6,928 |
| Return on Equity (ROE) | -6.9507% | 6,784 |
| Retained earnings to average equity (ytd only) | -6.9507% | 6,711 |
| Net charge-offs to loans | 0.9166% | 2,161 |
| Credit loss provision to net charge-offs | 136.9727% | 2,912 |
| Earnings coverage of net charge-offs (x) | -0.5534% | 6,343 |
| Efficiency ratio | 106.7548% | 584 |
| Assets per employee ($millions) | 2.3843% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,936 |
| Loan loss allowance to noncurrent loans | 16.7870% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 6.0826% | 974 |
| Noncurrent loans to loans | 6.5562% | 907 |
| Net loans and leases to total assets | 76.6707% | 1,285 |
| Net loans and leases to deposits | 93.4549% | 1,269 |
| Net loans and leases to core deposits | 100.3723% | 1,823 |
| Total domestic deposits to total assets | 82.0404% | 4,974 |
| Equity capital to assets | 10.2911% | 3,779 |
| Core capital (leverage) ratio | 8.3803% | 5,735 |
| Tier 1 risk-based capital ratio | 13.3197% | 4,337 |
| Total risk-based capital ratio | 14.5716% | 4,301 |
| Memoranda: | ||
| Average total assets | $77,586,500 | 5,732 |
| Average earning assets | $63,802,250 | 5,927 |
| Average equity | $7,979,750 | 5,797 |
| Average total loans | $58,622,750 | 5,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0698% | 807 |
| Cost of funding earning assets | 1.3171% | 4,429 |
| Net interest margin | 4.7527% | 721 |
| Noninterest income to average assets | 0.7357% | 2,477 |
| Noninterest expense to average assets | 5.1426% | 343 |
| Loan and lease loss provision to assets | 1.3382% | 1,014 |
| Net operating income to assets | -1.1672% | 7,013 |
| Return on assets (ROA) | -1.1229% | 7,010 |
| Pretax return on assets | -1.7535% | 7,164 |
| Return on Equity (ROE) | -10.9195% | 6,993 |
| Retained earnings to average equity (ytd only) | -10.9195% | 6,948 |
| Net charge-offs to loans | 0.8931% | 2,054 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | -0.7241% | 6,076 |
| Efficiency ratio | 108.8608% | 570 |
| Assets per employee ($millions) | 2.2456% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,871 |
| Loan loss allowance to noncurrent loans | 18.3570% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 6.0155% | 976 |
| Noncurrent loans to loans | 7.1203% | 788 |
| Net loans and leases to total assets | 73.2038% | 2,110 |
| Net loans and leases to deposits | 88.6356% | 2,068 |
| Net loans and leases to core deposits | 95.3356% | 2,532 |
| Total domestic deposits to total assets | 82.5897% | 4,746 |
| Equity capital to assets | 10.0156% | 4,011 |
| Core capital (leverage) ratio | 8.1433% | 6,046 |
| Tier 1 risk-based capital ratio | 13.1292% | 4,339 |
| Total risk-based capital ratio | 14.3834% | 4,294 |
| Memoranda: | ||
| Average total assets | $78,015,670 | 5,756 |
| Average earning assets | $64,384,330 | 5,950 |
| Average equity | $8,022,330 | 5,794 |
| Average total loans | $58,447,000 | 5,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0396% | 905 |
| Cost of funding earning assets | 1.3588% | 4,429 |
| Net interest margin | 4.6809% | 812 |
| Noninterest income to average assets | 0.9263% | 1,527 |
| Noninterest expense to average assets | 5.2390% | 307 |
| Loan and lease loss provision to assets | 2.5835% | 405 |
| Net operating income to assets | -1.9402% | 7,450 |
| Return on assets (ROA) | -1.9402% | 7,451 |
| Pretax return on assets | -3.0312% | 7,602 |
| Return on Equity (ROE) | -18.6230% | 7,410 |
| Retained earnings to average equity (ytd only) | -18.6230% | 7,332 |
| Net charge-offs to loans | 1.6609% | 1,044 |
| Credit loss provision to net charge-offs | 206.5844% | 1,808 |
| Earnings coverage of net charge-offs (x) | -0.3580% | 5,234 |
| Efficiency ratio | 107.8410% | 641 |
| Assets per employee ($millions) | 2.3304% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,936 |
| Loan loss allowance to noncurrent loans | 27.7879% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 4.3416% | 1,566 |
| Noncurrent loans to loans | 4.6802% | 1,583 |
| Net loans and leases to total assets | 72.7945% | 2,262 |
| Net loans and leases to deposits | 88.1684% | 2,194 |
| Net loans and leases to core deposits | 96.8223% | 2,487 |
| Total domestic deposits to total assets | 82.5630% | 4,820 |
| Equity capital to assets | 9.9907% | 3,889 |
| Core capital (leverage) ratio | 8.1628% | 5,974 |
| Tier 1 risk-based capital ratio | 13.2568% | 4,163 |
| Total risk-based capital ratio | 14.4952% | 4,117 |
| Memoranda: | ||
| Average total assets | $77,725,000 | 5,829 |
| Average earning assets | $64,176,000 | 6,028 |
| Average equity | $8,097,500 | 5,810 |
| Average total loans | $58,521,500 | 5,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9774% | 1,954 |
| Cost of funding earning assets | 1.7385% | 4,317 |
| Net interest margin | 4.2389% | 1,943 |
| Noninterest income to average assets | 1.3417% | 828 |
| Noninterest expense to average assets | 5.7409% | 348 |
| Loan and lease loss provision to assets | 1.3163% | 1,748 |
| Net operating income to assets | -1.3122% | 6,769 |
| Return on assets (ROA) | -1.2238% | 6,721 |
| Pretax return on assets | -1.9225% | 6,905 |
| Return on Equity (ROE) | -11.0250% | 6,697 |
| Retained earnings to average equity (ytd only) | -11.0250% | 6,598 |
| Net charge-offs to loans | 1.4605% | 1,718 |
| Credit loss provision to net charge-offs | 117.2881% | 4,623 |
| Earnings coverage of net charge-offs (x) | -0.6633% | 6,788 |
| Efficiency ratio | 114.1624% | 707 |
| Assets per employee ($millions) | 1.9543% | 7,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,963 |
| Loan loss allowance to noncurrent loans | 24.6804% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 3.3248% | 2,055 |
| Noncurrent loans to loans | 3.4707% | 2,189 |
| Net loans and leases to total assets | 76.2346% | 1,739 |
| Net loans and leases to deposits | 93.6632% | 1,645 |
| Net loans and leases to core deposits | 104.2805% | 3,538 |
| Total domestic deposits to total assets | 81.3924% | 5,198 |
| Equity capital to assets | 10.8625% | 2,807 |
| Core capital (leverage) ratio | 9.2266% | 4,083 |
| Tier 1 risk-based capital ratio | 13.6085% | 3,752 |
| Total risk-based capital ratio | 14.5980% | 3,860 |
| Memoranda: | ||
| Average total assets | $78,855,000 | 5,760 |
| Average earning assets | $67,989,200 | 5,869 |
| Average equity | $8,752,800 | 5,679 |
| Average total loans | $60,595,000 | 5,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8809% | 2,528 |
| Cost of funding earning assets | 1.8222% | 4,277 |
| Net interest margin | 4.0586% | 2,554 |
| Noninterest income to average assets | 1.1922% | 1,091 |
| Noninterest expense to average assets | 5.4496% | 381 |
| Loan and lease loss provision to assets | 1.4437% | 1,330 |
| Net operating income to assets | -1.3880% | 7,060 |
| Return on assets (ROA) | -1.2710% | 7,004 |
| Pretax return on assets | -1.9853% | 7,177 |
| Return on Equity (ROE) | -11.3923% | 6,980 |
| Retained earnings to average equity (ytd only) | -11.3923% | 6,906 |
| Net charge-offs to loans | 1.8070% | 1,120 |
| Credit loss provision to net charge-offs | 103.9855% | 4,888 |
| Earnings coverage of net charge-offs (x) | -0.5217% | 6,479 |
| Efficiency ratio | 114.8332% | 677 |
| Assets per employee ($millions) | 1.8077% | 7,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 7,526 |
| Loan loss allowance to noncurrent loans | 14.4369% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 3.8811% | 1,656 |
| Noncurrent loans to loans | 4.3610% | 1,627 |
| Net loans and leases to total assets | 75.8009% | 2,031 |
| Net loans and leases to deposits | 92.5235% | 2,151 |
| Net loans and leases to core deposits | 93.3587% | 5,089 |
| Total domestic deposits to total assets | 81.9261% | 4,701 |
| Equity capital to assets | 10.6814% | 3,311 |
| Core capital (leverage) ratio | 9.2333% | 4,287 |
| Tier 1 risk-based capital ratio | 13.8783% | 3,618 |
| Total risk-based capital ratio | 14.6119% | 3,894 |
| Memoranda: | ||
| Average total assets | $79,514,750 | 5,784 |
| Average earning assets | $69,217,000 | 5,874 |
| Average equity | $8,871,250 | 5,693 |
| Average total loans | $61,092,500 | 5,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 3,583 |
| Cost of funding earning assets | 1.8833% | 4,355 |
| Net interest margin | 3.8096% | 3,516 |
| Noninterest income to average assets | 0.7069% | 2,951 |
| Noninterest expense to average assets | 5.1669% | 460 |
| Loan and lease loss provision to assets | 0.8980% | 1,881 |
| Net operating income to assets | -1.2873% | 7,154 |
| Return on assets (ROA) | -1.1119% | 7,058 |
| Pretax return on assets | -1.7357% | 7,185 |
| Return on Equity (ROE) | -9.8262% | 7,019 |
| Retained earnings to average equity (ytd only) | -9.8262% | 6,856 |
| Net charge-offs to loans | 1.1301% | 1,610 |
| Credit loss provision to net charge-offs | 103.1792% | 4,445 |
| Earnings coverage of net charge-offs (x) | -1.2775% | 6,282 |
| Efficiency ratio | 127.4194% | 548 |
| Assets per employee ($millions) | 2.0469% | 7,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5824% | 7,669 |
| Loan loss allowance to noncurrent loans | 10.9723% | 7,479 |
| Noncurrent assets plus other real estate owned to assets | 4.1224% | 1,414 |
| Noncurrent loans to loans | 5.3081% | 1,121 |
| Net loans and leases to total assets | 71.4796% | 3,353 |
| Net loans and leases to deposits | 86.1539% | 3,528 |
| Net loans and leases to core deposits | 93.9733% | 5,118 |
| Total domestic deposits to total assets | 82.9673% | 4,250 |
| Equity capital to assets | 10.2012% | 3,719 |
| Core capital (leverage) ratio | 9.1134% | 4,437 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,199 |
| Total risk-based capital ratio | 15.2596% | 3,454 |
| Memoranda: | ||
| Average total assets | $79,506,330 | 5,815 |
| Average earning assets | $69,875,670 | 5,891 |
| Average equity | $8,996,330 | 5,691 |
| Average total loans | $61,232,000 | 5,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9082% | 2,759 |
| Cost of funding earning assets | 1.8530% | 4,865 |
| Net interest margin | 4.0552% | 2,435 |
| Noninterest income to average assets | 0.4143% | 5,102 |
| Noninterest expense to average assets | 5.0397% | 475 |
| Loan and lease loss provision to assets | 1.7830% | 692 |
| Net operating income to assets | -1.8046% | 7,607 |
| Return on assets (ROA) | -1.4422% | 7,489 |
| Pretax return on assets | -2.2498% | 7,605 |
| Return on Equity (ROE) | -12.0753% | 7,481 |
| Retained earnings to average equity (ytd only) | -12.0753% | 7,272 |
| Net charge-offs to loans | 2.2907% | 634 |
| Credit loss provision to net charge-offs | 97.4212% | 3,853 |
| Earnings coverage of net charge-offs (x) | -0.5645% | 5,278 |
| Efficiency ratio | 125.7853% | 551 |
| Assets per employee ($millions) | 2.0142% | 7,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 7,714 |
| Loan loss allowance to noncurrent loans | 12.4269% | 7,475 |
| Noncurrent assets plus other real estate owned to assets | 3.7158% | 1,422 |
| Noncurrent loans to loans | 4.6104% | 1,227 |
| Net loans and leases to total assets | 77.0911% | 2,019 |
| Net loans and leases to deposits | 100.4991% | 1,342 |
| Net loans and leases to core deposits | 136.8240% | 1,255 |
| Total domestic deposits to total assets | 76.7083% | 6,358 |
| Equity capital to assets | 11.7275% | 2,426 |
| Core capital (leverage) ratio | 11.0830% | 2,442 |
| Tier 1 risk-based capital ratio | 17.0277% | 2,334 |
| Total risk-based capital ratio | 17.7153% | 2,464 |
| Memoranda: | ||
| Average total assets | $76,274,500 | 5,938 |
| Average earning assets | $67,567,000 | 5,992 |
| Average equity | $9,109,500 | 5,664 |
| Average total loans | $60,942,500 | 5,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5795% | 2,582 |
| Cost of funding earning assets | 1.9565% | 6,548 |
| Net interest margin | 4.6230% | 1,120 |
| Noninterest income to average assets | 0.5951% | 3,868 |
| Noninterest expense to average assets | 4.8151% | 701 |
| Loan and lease loss provision to assets | 0.1307% | 5,695 |
| Net operating income to assets | -0.0662% | 6,465 |
| Return on assets (ROA) | 0.0123% | 6,190 |
| Pretax return on assets | 0.0191% | 6,119 |
| Return on Equity (ROE) | 0.0978% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.0978% | 5,174 |
| Net charge-offs to loans | 0.0602% | 5,916 |
| Credit loss provision to net charge-offs | 274.2857% | 1,670 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 5,885 |
| Efficiency ratio | 99.4376% | 1,004 |
| Assets per employee ($millions) | 1.9490% | 7,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 7,747 |
| Loan loss allowance to noncurrent loans | 16.1142% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 2.8575% | 1,642 |
| Noncurrent loans to loans | 3.4729% | 1,459 |
| Net loans and leases to total assets | 81.8184% | 1,262 |
| Net loans and leases to deposits | 107.3443% | 1,016 |
| Net loans and leases to core deposits | 146.3765% | 1,002 |
| Total domestic deposits to total assets | 76.2205% | 6,184 |
| Equity capital to assets | 12.1601% | 2,185 |
| Core capital (leverage) ratio | 11.7361% | 2,105 |
| Tier 1 risk-based capital ratio | 17.0224% | 2,303 |
| Total risk-based capital ratio | 17.6937% | 2,443 |
| Memoranda: | ||
| Average total assets | $73,436,000 | 5,925 |
| Average earning assets | $67,466,800 | 5,911 |
| Average equity | $9,199,000 | 5,674 |
| Average total loans | $58,168,800 | 5,355 |