Home > Alliant Bank > Performance and Condition Ratios
Alliant Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 6,856 |
| Cost of funding earning assets | 0.4062% | 6,231 |
| Net interest margin | 2.8268% | 6,533 |
| Noninterest income to average assets | 3.0177% | 240 |
| Noninterest expense to average assets | 5.3484% | 301 |
| Loan and lease loss provision to assets | 0.4176% | 1,565 |
| Net operating income to assets | -0.4042% | 6,685 |
| Return on assets (ROA) | 0.6197% | 4,529 |
| Pretax return on assets | 0.6197% | 5,071 |
| Return on Equity (ROE) | 23.0576% | 206 |
| Retained earnings to average equity (ytd only) | 23.0576% | 67 |
| Net charge-offs to loans | 1.7026% | 534 |
| Credit loss provision to net charge-offs | 72.0930% | 3,510 |
| Earnings coverage of net charge-offs (x) | 0.0233% | 5,070 |
| Efficiency ratio | 99.7487% | 571 |
| Assets per employee ($millions) | 2.5163% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5006% | 232 |
| Loan loss allowance to noncurrent loans | 75.2688% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 4.0204% | 1,265 |
| Noncurrent loans to loans | 5.9794% | 736 |
| Net loans and leases to total assets | 29.5138% | 6,885 |
| Net loans and leases to deposits | 31.0134% | 6,985 |
| Net loans and leases to core deposits | 31.0134% | 7,008 |
| Total domestic deposits to total assets | 95.1649% | 47 |
| Equity capital to assets | 2.6427% | 7,197 |
| Core capital (leverage) ratio | 2.4750% | 7,200 |
| Tier 1 risk-based capital ratio | 5.9701% | 7,127 |
| Total risk-based capital ratio | 7.2404% | 7,127 |
| Memoranda: | ||
| Average total assets | $14,845,670 | 7,187 |
| Average earning assets | $12,310,670 | 7,184 |
| Average equity | $399,000 | 7,242 |
| Average total loans | $5,051,000 | 7,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3230% | 6,881 |
| Cost of funding earning assets | 0.3909% | 6,453 |
| Net interest margin | 2.9321% | 6,433 |
| Noninterest income to average assets | 5.5708% | 127 |
| Noninterest expense to average assets | 5.6795% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3370% | 227 |
| Return on assets (ROA) | 3.5327% | 92 |
| Pretax return on assets | 3.5327% | 118 |
| Return on Equity (ROE) | 130.3258% | 5 |
| Retained earnings to average equity (ytd only) | 130.3258% | 3 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8475% | 3,650 |
| Assets per employee ($millions) | 2.5445% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2874% | 294 |
| Loan loss allowance to noncurrent loans | 60.9890% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 1,753 |
| Noncurrent loans to loans | 7.0297% | 635 |
| Net loans and leases to total assets | 32.4622% | 6,806 |
| Net loans and leases to deposits | 34.1252% | 6,950 |
| Net loans and leases to core deposits | 34.1252% | 6,990 |
| Total domestic deposits to total assets | 95.1267% | 56 |
| Equity capital to assets | 2.8558% | 7,243 |
| Core capital (leverage) ratio | 3.0391% | 7,232 |
| Tier 1 risk-based capital ratio | 6.9739% | 7,134 |
| Total risk-based capital ratio | 8.2474% | 7,134 |
| Memoranda: | ||
| Average total assets | $14,719,500 | 7,250 |
| Average earning assets | $12,278,000 | 7,247 |
| Average equity | $399,000 | 7,305 |
| Average total loans | $5,243,500 | 7,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 5,568 |
| Cost of funding earning assets | 0.5202% | 6,451 |
| Net interest margin | 3.8408% | 3,621 |
| Noninterest income to average assets | 2.9408% | 216 |
| Noninterest expense to average assets | 7.4478% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.3677% | 6,877 |
| Return on assets (ROA) | -1.3677% | 6,895 |
| Pretax return on assets | -1.3677% | 6,859 |
| Return on Equity (ROE) | -53.3739% | 7,213 |
| Retained earnings to average equity (ytd only) | -53.3739% | 7,212 |
| Net charge-offs to loans | 0.6732% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -4.8250% | 6,360 |
| Efficiency ratio | 122.4942% | 289 |
| Assets per employee ($millions) | 2.3620% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1816% | 328 |
| Loan loss allowance to noncurrent loans | 73.5099% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1118% | 1,921 |
| Noncurrent loans to loans | 5.6885% | 913 |
| Net loans and leases to total assets | 35.8947% | 6,776 |
| Net loans and leases to deposits | 37.7710% | 6,953 |
| Net loans and leases to core deposits | 37.7710% | 7,008 |
| Total domestic deposits to total assets | 95.0325% | 57 |
| Equity capital to assets | 2.5543% | 7,294 |
| Core capital (leverage) ratio | 2.2423% | 7,305 |
| Tier 1 risk-based capital ratio | 5.1234% | 7,240 |
| Total risk-based capital ratio | 6.3965% | 7,241 |
| Memoranda: | ||
| Average total assets | $14,111,600 | 7,298 |
| Average earning assets | $11,534,000 | 7,299 |
| Average equity | $361,600 | 7,356 |
| Average total loans | $5,941,600 | 7,240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 5,262 |
| Cost of funding earning assets | 0.5462% | 6,528 |
| Net interest margin | 3.9510% | 3,154 |
| Noninterest income to average assets | 3.6131% | 177 |
| Noninterest expense to average assets | 7.3397% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.5108% | 6,643 |
| Return on assets (ROA) | -0.5108% | 6,688 |
| Pretax return on assets | -0.5108% | 6,627 |
| Return on Equity (ROE) | -19.9170% | 7,096 |
| Retained earnings to average equity (ytd only) | -19.9170% | 7,081 |
| Net charge-offs to loans | 0.2185% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -5.4014% | 6,104 |
| Efficiency ratio | 107.4792% | 478 |
| Assets per employee ($millions) | 2.3265% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2225% | 337 |
| Loan loss allowance to noncurrent loans | 49.2188% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 5.1078% | 1,122 |
| Noncurrent loans to loans | 8.5791% | 486 |
| Net loans and leases to total assets | 40.9485% | 6,563 |
| Net loans and leases to deposits | 43.7438% | 6,845 |
| Net loans and leases to core deposits | 43.7438% | 6,928 |
| Total domestic deposits to total assets | 93.6099% | 101 |
| Equity capital to assets | 3.7324% | 7,336 |
| Core capital (leverage) ratio | 3.2207% | 7,344 |
| Tier 1 risk-based capital ratio | 6.9564% | 7,248 |
| Total risk-based capital ratio | 8.2171% | 7,246 |
| Memoranda: | ||
| Average total assets | $14,096,500 | 7,375 |
| Average earning assets | $11,473,500 | 7,376 |
| Average equity | $361,500 | 7,433 |
| Average total loans | $6,099,750 | 7,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 5,238 |
| Cost of funding earning assets | 0.5583% | 6,631 |
| Net interest margin | 3.9780% | 2,954 |
| Noninterest income to average assets | -0.7637% | 7,455 |
| Noninterest expense to average assets | 7.5942% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -5.1335% | 7,441 |
| Return on assets (ROA) | -5.1335% | 7,444 |
| Pretax return on assets | -5.1335% | 7,442 |
| Return on Equity (ROE) | -235.4620% | 7,494 |
| Retained earnings to average equity (ytd only) | -235.4620% | 7,494 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 308.6207% | 25 |
| Assets per employee ($millions) | 2.0321% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3674% | 316 |
| Loan loss allowance to noncurrent loans | 70.0535% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 4.1265% | 1,545 |
| Noncurrent loans to loans | 6.2344% | 924 |
| Net loans and leases to total assets | 40.3304% | 6,720 |
| Net loans and leases to deposits | 41.9525% | 6,992 |
| Net loans and leases to core deposits | 41.9525% | 7,070 |
| Total domestic deposits to total assets | 96.1336% | 31 |
| Equity capital to assets | 1.3708% | 7,491 |
| Core capital (leverage) ratio | 1.1222% | 7,494 |
| Tier 1 risk-based capital ratio | 2.3648% | 7,482 |
| Total risk-based capital ratio | 3.6506% | 7,482 |
| Memoranda: | ||
| Average total assets | $14,142,330 | 7,449 |
| Average earning assets | $11,463,000 | 7,448 |
| Average equity | $308,330 | 7,511 |
| Average total loans | $6,143,670 | 7,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 3,725 |
| Cost of funding earning assets | 0.5999% | 6,616 |
| Net interest margin | 4.2698% | 1,667 |
| Noninterest income to average assets | 0.6524% | 2,828 |
| Noninterest expense to average assets | 12.3679% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -8.2831% | 7,542 |
| Return on assets (ROA) | -8.2831% | 7,542 |
| Pretax return on assets | -8.2831% | 7,538 |
| Return on Equity (ROE) | -320.0000% | 7,553 |
| Retained earnings to average equity (ytd only) | -320.0000% | 7,553 |
| Net charge-offs to loans | 0.0644% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -292.0000% | 5,105 |
| Efficiency ratio | 302.7778% | 28 |
| Assets per employee ($millions) | 2.0310% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2405% | 359 |
| Loan loss allowance to noncurrent loans | 6,525.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 3,958 |
| Noncurrent loans to loans | 0.0650% | 6,881 |
| Net loans and leases to total assets | 41.4574% | 6,677 |
| Net loans and leases to deposits | 43.1574% | 6,983 |
| Net loans and leases to core deposits | 43.1574% | 7,070 |
| Total domestic deposits to total assets | 96.0611% | 33 |
| Equity capital to assets | 1.6459% | 7,546 |
| Core capital (leverage) ratio | 1.6116% | 7,545 |
| Tier 1 risk-based capital ratio | 3.1729% | 7,514 |
| Total risk-based capital ratio | 4.4746% | 7,513 |
| Memoranda: | ||
| Average total assets | $14,101,000 | 7,505 |
| Average earning assets | $11,335,500 | 7,508 |
| Average equity | $365,000 | 7,568 |
| Average total loans | $6,216,000 | 7,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 4,973 |
| Cost of funding earning assets | 0.7541% | 6,724 |
| Net interest margin | 4.1564% | 2,340 |
| Noninterest income to average assets | 0.7333% | 2,633 |
| Noninterest expense to average assets | 7.2363% | 146 |
| Loan and lease loss provision to assets | 0.6226% | 2,648 |
| Net operating income to assets | -3.8464% | 7,417 |
| Return on assets (ROA) | -3.8464% | 7,432 |
| Pretax return on assets | -3.8464% | 7,412 |
| Return on Equity (ROE) | -66.1590% | 7,508 |
| Retained earnings to average equity (ytd only) | -66.1590% | 7,507 |
| Net charge-offs to loans | 4.0108% | 313 |
| Credit loss provision to net charge-offs | 35.2941% | 6,443 |
| Earnings coverage of net charge-offs (x) | -1.8275% | 6,697 |
| Efficiency ratio | 180.3448% | 120 |
| Assets per employee ($millions) | 1.7481% | 7,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1740% | 346 |
| Loan loss allowance to noncurrent loans | 2,183.3333% | 202 |
| Noncurrent assets plus other real estate owned to assets | 4.2760% | 1,560 |
| Noncurrent loans to loans | 0.1912% | 6,689 |
| Net loans and leases to total assets | 43.0104% | 6,791 |
| Net loans and leases to deposits | 45.6546% | 7,056 |
| Net loans and leases to core deposits | 45.6546% | 7,151 |
| Total domestic deposits to total assets | 94.2081% | 79 |
| Equity capital to assets | 3.5467% | 7,529 |
| Core capital (leverage) ratio | 3.5022% | 7,529 |
| Tier 1 risk-based capital ratio | 5.9480% | 7,482 |
| Total risk-based capital ratio | 7.2015% | 7,485 |
| Memoranda: | ||
| Average total assets | $14,455,000 | 7,580 |
| Average earning assets | $11,404,000 | 7,590 |
| Average equity | $840,400 | 7,645 |
| Average total loans | $6,357,800 | 7,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 5,256 |
| Cost of funding earning assets | 0.7879% | 6,800 |
| Net interest margin | 4.1137% | 2,563 |
| Noninterest income to average assets | 0.7411% | 2,571 |
| Noninterest expense to average assets | 8.0607% | 109 |
| Loan and lease loss provision to assets | 0.8235% | 1,838 |
| Net operating income to assets | -4.8950% | 7,635 |
| Return on assets (ROA) | -4.8950% | 7,646 |
| Pretax return on assets | -4.8950% | 7,633 |
| Return on Equity (ROE) | -76.9908% | 7,654 |
| Retained earnings to average equity (ytd only) | -76.9908% | 7,653 |
| Net charge-offs to loans | 5.4352% | 139 |
| Credit loss provision to net charge-offs | 34.6154% | 6,095 |
| Earnings coverage of net charge-offs (x) | -1.7115% | 6,524 |
| Efficiency ratio | 202.0642% | 80 |
| Assets per employee ($millions) | 1.7920% | 7,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9728% | 380 |
| Loan loss allowance to noncurrent loans | 377.9412% | 786 |
| Noncurrent assets plus other real estate owned to assets | 4.5759% | 1,481 |
| Noncurrent loans to loans | 1.0512% | 5,142 |
| Net loans and leases to total assets | 43.3315% | 6,887 |
| Net loans and leases to deposits | 46.4553% | 7,154 |
| Net loans and leases to core deposits | 46.4553% | 7,251 |
| Total domestic deposits to total assets | 93.2757% | 89 |
| Equity capital to assets | 4.1225% | 7,634 |
| Core capital (leverage) ratio | 3.6769% | 7,640 |
| Tier 1 risk-based capital ratio | 6.0020% | 7,604 |
| Total risk-based capital ratio | 7.2731% | 7,605 |
| Memoranda: | ||
| Average total assets | $14,572,500 | 7,677 |
| Average earning assets | $11,506,000 | 7,689 |
| Average equity | $926,500 | 7,737 |
| Average total loans | $6,378,000 | 7,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 5,257 |
| Cost of funding earning assets | 0.8512% | 6,755 |
| Net interest margin | 4.0821% | 2,643 |
| Noninterest income to average assets | 0.7644% | 2,306 |
| Noninterest expense to average assets | 5.5558% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.5835% | 7,182 |
| Return on assets (ROA) | -1.5835% | 7,194 |
| Pretax return on assets | -1.5835% | 7,111 |
| Return on Equity (ROE) | -22.3436% | 7,326 |
| Retained earnings to average equity (ytd only) | -22.3436% | 7,310 |
| Net charge-offs to loans | 5.3878% | 178 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.6784% | 6,065 |
| Efficiency ratio | 139.8625% | 253 |
| Assets per employee ($millions) | 2.0514% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0626% | 353 |
| Loan loss allowance to noncurrent loans | 86.5320% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 7.1379% | 737 |
| Noncurrent loans to loans | 4.6949% | 1,520 |
| Net loans and leases to total assets | 42.2632% | 7,031 |
| Net loans and leases to deposits | 46.7062% | 7,217 |
| Net loans and leases to core deposits | 46.7062% | 7,325 |
| Total domestic deposits to total assets | 90.4875% | 686 |
| Equity capital to assets | 6.9986% | 7,351 |
| Core capital (leverage) ratio | 6.5469% | 7,369 |
| Tier 1 risk-based capital ratio | 10.6522% | 6,564 |
| Total risk-based capital ratio | 11.9367% | 6,528 |
| Memoranda: | ||
| Average total assets | $14,651,330 | 7,739 |
| Average earning assets | $11,513,670 | 7,753 |
| Average equity | $1,038,330 | 7,793 |
| Average total loans | $6,347,670 | 7,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 6,381 |
| Cost of funding earning assets | 0.8691% | 6,874 |
| Net interest margin | 3.7895% | 3,839 |
| Noninterest income to average assets | 0.8380% | 1,849 |
| Noninterest expense to average assets | 6.2445% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.4600% | 7,549 |
| Return on assets (ROA) | -2.4600% | 7,553 |
| Pretax return on assets | -2.4600% | 7,507 |
| Return on Equity (ROE) | -34.5024% | 7,611 |
| Retained earnings to average equity (ytd only) | -34.5024% | 7,591 |
| Net charge-offs to loans | 10.6943% | 46 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.5353% | 5,291 |
| Efficiency ratio | 165.0000% | 164 |
| Assets per employee ($millions) | 2.0806% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2486% | 303 |
| Loan loss allowance to noncurrent loans | 71.7877% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 7.9992% | 615 |
| Noncurrent loans to loans | 5.9183% | 1,121 |
| Net loans and leases to total assets | 39.7693% | 7,260 |
| Net loans and leases to deposits | 43.7892% | 7,413 |
| Net loans and leases to core deposits | 44.7951% | 7,460 |
| Total domestic deposits to total assets | 90.8198% | 608 |
| Equity capital to assets | 6.8731% | 7,420 |
| Core capital (leverage) ratio | 6.6375% | 7,417 |
| Tier 1 risk-based capital ratio | 10.6422% | 6,501 |
| Total risk-based capital ratio | 11.9158% | 6,462 |
| Memoranda: | ||
| Average total assets | $14,797,000 | 7,837 |
| Average earning assets | $11,505,500 | 7,854 |
| Average equity | $1,055,000 | 7,883 |
| Average total loans | $6,358,500 | 7,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 5,679 |
| Cost of funding earning assets | 1.2288% | 6,556 |
| Net interest margin | 3.9642% | 3,008 |
| Noninterest income to average assets | 1.5565% | 590 |
| Noninterest expense to average assets | 5.1996% | 460 |
| Loan and lease loss provision to assets | 0.6709% | 3,133 |
| Net operating income to assets | -1.1540% | 6,684 |
| Return on assets (ROA) | -1.1540% | 6,687 |
| Pretax return on assets | -1.1540% | 6,514 |
| Return on Equity (ROE) | -15.1142% | 6,943 |
| Retained earnings to average equity (ytd only) | -15.1142% | 6,893 |
| Net charge-offs to loans | 1.3974% | 1,796 |
| Credit loss provision to net charge-offs | 101.0101% | 5,464 |
| Earnings coverage of net charge-offs (x) | -0.7273% | 6,820 |
| Efficiency ratio | 110.2418% | 793 |
| Assets per employee ($millions) | 2.1471% | 7,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4037% | 84 |
| Loan loss allowance to noncurrent loans | 56.2582% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 8.6361% | 475 |
| Noncurrent loans to loans | 11.3827% | 317 |
| Net loans and leases to total assets | 41.5236% | 7,272 |
| Net loans and leases to deposits | 45.9607% | 7,445 |
| Net loans and leases to core deposits | 60.6276% | 7,243 |
| Total domestic deposits to total assets | 90.3460% | 809 |
| Equity capital to assets | 7.3786% | 7,136 |
| Core capital (leverage) ratio | 7.2237% | 7,050 |
| Tier 1 risk-based capital ratio | 10.4004% | 6,498 |
| Total risk-based capital ratio | 11.6836% | 6,437 |
| Memoranda: | ||
| Average total assets | $14,905,000 | 7,896 |
| Average earning assets | $11,881,200 | 7,918 |
| Average equity | $1,138,000 | 7,967 |
| Average total loans | $7,084,400 | 7,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 5,197 |
| Cost of funding earning assets | 1.2944% | 6,573 |
| Net interest margin | 4.0506% | 2,597 |
| Noninterest income to average assets | 1.7570% | 471 |
| Noninterest expense to average assets | 5.1275% | 448 |
| Loan and lease loss provision to assets | 0.8964% | 2,147 |
| Net operating income to assets | -1.0129% | 6,844 |
| Return on assets (ROA) | -1.0129% | 6,853 |
| Pretax return on assets | -1.0129% | 6,697 |
| Return on Equity (ROE) | -13.1552% | 7,083 |
| Retained earnings to average equity (ytd only) | -13.1552% | 7,016 |
| Net charge-offs to loans | 1.8176% | 1,113 |
| Credit loss provision to net charge-offs | 102.0408% | 4,989 |
| Earnings coverage of net charge-offs (x) | -0.1326% | 6,225 |
| Efficiency ratio | 102.3256% | 967 |
| Assets per employee ($millions) | 2.0974% | 7,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2282% | 73 |
| Loan loss allowance to noncurrent loans | 55.2258% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 9.0860% | 423 |
| Noncurrent loans to loans | 11.2776% | 312 |
| Net loans and leases to total assets | 43.8905% | 7,253 |
| Net loans and leases to deposits | 49.0187% | 7,458 |
| Net loans and leases to core deposits | 67.4976% | 7,093 |
| Total domestic deposits to total assets | 89.5382% | 945 |
| Equity capital to assets | 7.9689% | 6,875 |
| Core capital (leverage) ratio | 7.5846% | 6,880 |
| Tier 1 risk-based capital ratio | 11.4802% | 5,450 |
| Total risk-based capital ratio | 12.7726% | 5,362 |
| Memoranda: | ||
| Average total assets | $14,873,750 | 7,977 |
| Average earning assets | $11,948,500 | 7,995 |
| Average equity | $1,145,250 | 8,050 |
| Average total loans | $7,188,500 | 7,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5666% | 4,239 |
| Cost of funding earning assets | 1.3626% | 6,614 |
| Net interest margin | 4.2041% | 1,984 |
| Noninterest income to average assets | 2.2092% | 319 |
| Noninterest expense to average assets | 5.3288% | 418 |
| Loan and lease loss provision to assets | 1.3389% | 1,291 |
| Net operating income to assets | -1.0711% | 7,034 |
| Return on assets (ROA) | -1.0711% | 7,032 |
| Pretax return on assets | -1.0711% | 6,865 |
| Return on Equity (ROE) | -14.0721% | 7,282 |
| Retained earnings to average equity (ytd only) | -14.0721% | 7,183 |
| Net charge-offs to loans | -0.0274% | 7,758 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2153% | 1,428 |
| Assets per employee ($millions) | 1.8359% | 7,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5404% | 41 |
| Loan loss allowance to noncurrent loans | 68.3528% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 9.9135% | 300 |
| Noncurrent loans to loans | 11.0316% | 277 |
| Net loans and leases to total assets | 43.9981% | 7,327 |
| Net loans and leases to deposits | 49.0363% | 7,521 |
| Net loans and leases to core deposits | 67.4389% | 7,148 |
| Total domestic deposits to total assets | 89.7256% | 949 |
| Equity capital to assets | 7.9867% | 6,770 |
| Core capital (leverage) ratio | 7.7401% | 6,692 |
| Tier 1 risk-based capital ratio | 12.1306% | 4,820 |
| Total risk-based capital ratio | 13.4370% | 4,678 |
| Memoranda: | ||
| Average total assets | $14,937,670 | 8,066 |
| Average earning assets | $12,036,000 | 8,084 |
| Average equity | $1,137,000 | 8,141 |
| Average total loans | $7,294,000 | 7,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 4,714 |
| Cost of funding earning assets | 1.4657% | 6,520 |
| Net interest margin | 4.0713% | 2,400 |
| Noninterest income to average assets | 3.3194% | 195 |
| Noninterest expense to average assets | 5.9218% | 295 |
| Loan and lease loss provision to assets | 2.6555% | 422 |
| Net operating income to assets | -1.9385% | 7,642 |
| Return on assets (ROA) | -1.9385% | 7,643 |
| Pretax return on assets | -1.9385% | 7,517 |
| Return on Equity (ROE) | -26.0947% | 7,861 |
| Retained earnings to average equity (ytd only) | -26.0947% | 7,792 |
| Net charge-offs to loans | -0.0537% | 7,714 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2000% | 1,789 |
| Assets per employee ($millions) | 1.8858% | 7,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1652% | 45 |
| Loan loss allowance to noncurrent loans | 49.5301% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 10.2744% | 213 |
| Noncurrent loans to loans | 14.4663% | 110 |
| Net loans and leases to total assets | 45.2605% | 7,243 |
| Net loans and leases to deposits | 50.5179% | 7,472 |
| Net loans and leases to core deposits | 68.8237% | 7,091 |
| Total domestic deposits to total assets | 89.5930% | 974 |
| Equity capital to assets | 8.0538% | 6,735 |
| Core capital (leverage) ratio | 7.6176% | 7,002 |
| Tier 1 risk-based capital ratio | 12.1717% | 4,810 |
| Total risk-based capital ratio | 13.4747% | 4,678 |
| Memoranda: | ||
| Average total assets | $15,063,000 | 8,115 |
| Average earning assets | $12,281,000 | 8,132 |
| Average equity | $1,119,000 | 8,195 |
| Average total loans | $7,446,500 | 8,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4497% | 3,188 |
| Cost of funding earning assets | 2.3898% | 4,767 |
| Net interest margin | 4.0598% | 2,875 |
| Noninterest income to average assets | 0.4865% | 4,733 |
| Noninterest expense to average assets | 6.1423% | 385 |
| Loan and lease loss provision to assets | 3.3935% | 248 |
| Net operating income to assets | -4.7192% | 8,067 |
| Return on assets (ROA) | -4.7192% | 8,052 |
| Pretax return on assets | -5.6193% | 8,071 |
| Return on Equity (ROE) | -56.3708% | 8,182 |
| Retained earnings to average equity (ytd only) | -56.3708% | 8,167 |
| Net charge-offs to loans | 5.9937% | 57 |
| Credit loss provision to net charge-offs | 114.1104% | 4,732 |
| Earnings coverage of net charge-offs (x) | -0.7485% | 6,552 |
| Efficiency ratio | 156.8323% | 323 |
| Assets per employee ($millions) | 1.6711% | 8,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6514% | 68 |
| Loan loss allowance to noncurrent loans | 49.5349% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 8.9495% | 229 |
| Noncurrent loans to loans | 11.4089% | 153 |
| Net loans and leases to total assets | 47.2872% | 7,236 |
| Net loans and leases to deposits | 52.4639% | 7,514 |
| Net loans and leases to core deposits | 71.3985% | 7,116 |
| Total domestic deposits to total assets | 90.1330% | 597 |
| Equity capital to assets | 6.8019% | 7,830 |
| Core capital (leverage) ratio | 5.9865% | 8,083 |
| Tier 1 risk-based capital ratio | 10.0158% | 6,718 |
| Total risk-based capital ratio | 11.3021% | 6,560 |
| Memoranda: | ||
| Average total assets | $16,443,400 | 8,127 |
| Average earning assets | $13,892,200 | 8,142 |
| Average equity | $1,376,600 | 8,234 |
| Average total loans | $8,158,600 | 8,028 |