Home > America California Bank > Performance and Condition Ratios
America California Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,177 |
| Cost of funding earning assets | 0.7926% | 524 |
| Net interest margin | 3.5045% | 3,478 |
| Noninterest income to average assets | 0.1708% | 5,679 |
| Noninterest expense to average assets | 2.8360% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3400% | 5,326 |
| Return on assets (ROA) | 0.3400% | 5,434 |
| Pretax return on assets | 0.6114% | 4,946 |
| Return on Equity (ROE) | 2.4811% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,478 |
| Net charge-offs to loans | -0.0357% | 5,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2645% | 1,454 |
| Assets per employee ($millions) | 6.3641% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7733% | 347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.6047% | 1,883 |
| Net loans and leases to deposits | 99.7162% | 685 |
| Net loans and leases to core deposits | 112.4918% | 725 |
| Total domestic deposits to total assets | 72.8113% | 5,889 |
| Equity capital to assets | 14.2040% | 911 |
| Core capital (leverage) ratio | 12.9527% | 1,186 |
| Tier 1 risk-based capital ratio | 18.8511% | 1,823 |
| Total risk-based capital ratio | 20.1219% | 1,788 |
| Memoranda: | ||
| Average total assets | $131,172,000 | 3,944 |
| Average earning assets | $122,640,670 | 3,898 |
| Average equity | $17,976,000 | 3,428 |
| Average total loans | $95,275,000 | 3,530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 2,584 |
| Cost of funding earning assets | 0.7937% | 523 |
| Net interest margin | 3.3710% | 3,946 |
| Noninterest income to average assets | 0.1683% | 5,713 |
| Noninterest expense to average assets | 2.6443% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4117% | 5,029 |
| Return on assets (ROA) | 0.4117% | 5,141 |
| Pretax return on assets | 0.6761% | 4,668 |
| Return on Equity (ROE) | 3.0573% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.0573% | 4,143 |
| Net charge-offs to loans | -0.0335% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6380% | 1,939 |
| Assets per employee ($millions) | 6.6294% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.9390% | 2,150 |
| Net loans and leases to deposits | 94.8742% | 904 |
| Net loans and leases to core deposits | 107.0192% | 872 |
| Total domestic deposits to total assets | 73.7176% | 5,923 |
| Equity capital to assets | 13.5707% | 1,143 |
| Core capital (leverage) ratio | 12.5201% | 1,357 |
| Tier 1 risk-based capital ratio | 18.6886% | 1,950 |
| Total risk-based capital ratio | 19.9592% | 1,903 |
| Memoranda: | ||
| Average total assets | $133,117,500 | 3,934 |
| Average earning assets | $124,474,000 | 3,900 |
| Average equity | $17,924,500 | 3,458 |
| Average total loans | $95,388,500 | 3,538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,999 |
| Cost of funding earning assets | 0.8035% | 637 |
| Net interest margin | 3.3817% | 4,270 |
| Noninterest income to average assets | 0.1792% | 5,781 |
| Noninterest expense to average assets | 2.5977% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4255% | 5,131 |
| Return on assets (ROA) | 0.4255% | 5,204 |
| Pretax return on assets | 0.7405% | 4,475 |
| Return on Equity (ROE) | 3.3531% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,825 |
| Net charge-offs to loans | 0.1787% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.9942% | 3,299 |
| Efficiency ratio | 77.8187% | 2,230 |
| Assets per employee ($millions) | 6.6824% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.4369% | 2,320 |
| Net loans and leases to deposits | 93.7848% | 1,094 |
| Net loans and leases to core deposits | 105.6009% | 1,041 |
| Total domestic deposits to total assets | 74.0385% | 5,948 |
| Equity capital to assets | 13.3605% | 1,207 |
| Core capital (leverage) ratio | 12.1817% | 1,511 |
| Tier 1 risk-based capital ratio | 18.6071% | 1,958 |
| Total risk-based capital ratio | 19.8783% | 1,921 |
| Memoranda: | ||
| Average total assets | $138,428,600 | 3,833 |
| Average earning assets | $129,312,600 | 3,784 |
| Average equity | $17,565,600 | 3,444 |
| Average total loans | $95,680,200 | 3,512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 3,217 |
| Cost of funding earning assets | 0.7988% | 689 |
| Net interest margin | 3.3394% | 4,470 |
| Noninterest income to average assets | 0.1872% | 5,799 |
| Noninterest expense to average assets | 2.5134% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4765% | 4,967 |
| Return on assets (ROA) | 0.4765% | 5,048 |
| Pretax return on assets | 0.7916% | 4,389 |
| Return on Equity (ROE) | 3.8033% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.8033% | 3,949 |
| Net charge-offs to loans | 0.2479% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.6573% | 3,405 |
| Efficiency ratio | 76.0474% | 2,486 |
| Assets per employee ($millions) | 7.4927% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7267% | 478 |
| Loan loss allowance to noncurrent loans | 1,696.1039% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 5,731 |
| Noncurrent loans to loans | 0.1608% | 5,428 |
| Net loans and leases to total assets | 65.4543% | 2,955 |
| Net loans and leases to deposits | 86.5425% | 1,850 |
| Net loans and leases to core deposits | 97.0272% | 1,589 |
| Total domestic deposits to total assets | 75.6325% | 5,861 |
| Equity capital to assets | 12.4795% | 1,710 |
| Core capital (leverage) ratio | 11.8401% | 1,803 |
| Tier 1 risk-based capital ratio | 18.3140% | 2,113 |
| Total risk-based capital ratio | 19.5842% | 2,071 |
| Memoranda: | ||
| Average total assets | $139,623,750 | 3,832 |
| Average earning assets | $130,361,250 | 3,780 |
| Average equity | $17,493,000 | 3,470 |
| Average total loans | $95,745,250 | 3,539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,988 |
| Cost of funding earning assets | 0.8042% | 685 |
| Net interest margin | 3.3854% | 4,237 |
| Noninterest income to average assets | 0.1946% | 5,798 |
| Noninterest expense to average assets | 2.4641% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5263% | 4,708 |
| Return on assets (ROA) | 0.5263% | 4,800 |
| Pretax return on assets | 0.8867% | 3,934 |
| Return on Equity (ROE) | 4.1949% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.1949% | 3,499 |
| Net charge-offs to loans | 0.3823% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3607% | 3,327 |
| Efficiency ratio | 73.5370% | 3,058 |
| Assets per employee ($millions) | 7.4214% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7331% | 507 |
| Loan loss allowance to noncurrent loans | 1,692.8571% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 5,832 |
| Noncurrent loans to loans | 0.1614% | 5,527 |
| Net loans and leases to total assets | 65.7979% | 2,783 |
| Net loans and leases to deposits | 87.1377% | 1,695 |
| Net loans and leases to core deposits | 97.4498% | 1,475 |
| Total domestic deposits to total assets | 75.5103% | 5,968 |
| Equity capital to assets | 12.5044% | 1,638 |
| Core capital (leverage) ratio | 11.8018% | 1,787 |
| Tier 1 risk-based capital ratio | 17.6307% | 2,370 |
| Total risk-based capital ratio | 18.9003% | 2,341 |
| Memoranda: | ||
| Average total assets | $138,711,000 | 3,870 |
| Average earning assets | $129,319,330 | 3,821 |
| Average equity | $17,402,000 | 3,481 |
| Average total loans | $95,729,000 | 3,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,398 |
| Cost of funding earning assets | 0.8172% | 681 |
| Net interest margin | 3.5151% | 3,623 |
| Noninterest income to average assets | 0.2617% | 5,267 |
| Noninterest expense to average assets | 2.4629% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6397% | 3,995 |
| Return on assets (ROA) | 0.6397% | 4,088 |
| Pretax return on assets | 1.0759% | 3,014 |
| Return on Equity (ROE) | 5.0905% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.0905% | 3,069 |
| Net charge-offs to loans | 0.8008% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.9271% | 2,986 |
| Efficiency ratio | 69.5974% | 3,894 |
| Assets per employee ($millions) | 7.7307% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7296% | 600 |
| Loan loss allowance to noncurrent loans | 188.2609% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 3,284 |
| Noncurrent loans to loans | 1.4499% | 2,615 |
| Net loans and leases to total assets | 66.5325% | 2,478 |
| Net loans and leases to deposits | 88.2011% | 1,336 |
| Net loans and leases to core deposits | 99.0860% | 1,166 |
| Total domestic deposits to total assets | 75.4328% | 6,122 |
| Equity capital to assets | 12.5667% | 1,539 |
| Core capital (leverage) ratio | 11.9980% | 1,654 |
| Tier 1 risk-based capital ratio | 17.9220% | 2,331 |
| Total risk-based capital ratio | 19.1922% | 2,299 |
| Memoranda: | ||
| Average total assets | $137,563,500 | 3,931 |
| Average earning assets | $128,245,500 | 3,884 |
| Average equity | $17,287,000 | 3,508 |
| Average total loans | $95,900,500 | 3,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,922 |
| Cost of funding earning assets | 0.8783% | 828 |
| Net interest margin | 3.4316% | 4,162 |
| Noninterest income to average assets | 0.2870% | 5,309 |
| Noninterest expense to average assets | 2.5879% | 4,507 |
| Loan and lease loss provision to assets | 0.1127% | 2,931 |
| Net operating income to assets | 1.2463% | 1,408 |
| Return on assets (ROA) | 1.2463% | 1,460 |
| Pretax return on assets | 0.8091% | 4,113 |
| Return on Equity (ROE) | 10.2529% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.2529% | 519 |
| Net charge-offs to loans | -0.3767% | 6,699 |
| Credit loss provision to net charge-offs | -41.2088% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7372% | 3,173 |
| Assets per employee ($millions) | 7.1565% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8876% | 532 |
| Loan loss allowance to noncurrent loans | 80.3571% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.5534% | 1,335 |
| Noncurrent loans to loans | 3.5934% | 856 |
| Net loans and leases to total assets | 69.0066% | 2,172 |
| Net loans and leases to deposits | 91.7124% | 1,089 |
| Net loans and leases to core deposits | 103.7770% | 925 |
| Total domestic deposits to total assets | 75.2423% | 6,167 |
| Equity capital to assets | 12.5664% | 1,481 |
| Core capital (leverage) ratio | 11.9118% | 1,667 |
| Tier 1 risk-based capital ratio | 17.1677% | 2,535 |
| Total risk-based capital ratio | 18.4393% | 2,505 |
| Memoranda: | ||
| Average total assets | $133,117,200 | 4,011 |
| Average earning assets | $125,013,800 | 3,948 |
| Average equity | $16,180,800 | 3,675 |
| Average total loans | $96,621,400 | 3,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 1,517 |
| Cost of funding earning assets | 0.8864% | 874 |
| Net interest margin | 3.8476% | 2,473 |
| Noninterest income to average assets | 0.2930% | 5,355 |
| Noninterest expense to average assets | 2.4531% | 4,867 |
| Loan and lease loss provision to assets | 0.1511% | 2,382 |
| Net operating income to assets | 1.3081% | 1,335 |
| Return on assets (ROA) | 1.3081% | 1,389 |
| Pretax return on assets | 1.3081% | 2,304 |
| Return on Equity (ROE) | 10.8558% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.8558% | 604 |
| Net charge-offs to loans | -0.3629% | 6,745 |
| Credit loss provision to net charge-offs | -57.0342% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7027% | 5,030 |
| Assets per employee ($millions) | 7.2485% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6649% | 777 |
| Loan loss allowance to noncurrent loans | 77.1306% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.5305% | 1,515 |
| Noncurrent loans to loans | 3.4551% | 1,110 |
| Net loans and leases to total assets | 71.2869% | 1,729 |
| Net loans and leases to deposits | 94.0114% | 829 |
| Net loans and leases to core deposits | 105.7839% | 771 |
| Total domestic deposits to total assets | 75.8279% | 6,189 |
| Equity capital to assets | 12.1456% | 1,830 |
| Core capital (leverage) ratio | 12.5226% | 1,411 |
| Tier 1 risk-based capital ratio | 16.8333% | 2,786 |
| Total risk-based capital ratio | 18.1015% | 2,728 |
| Memoranda: | ||
| Average total assets | $132,403,000 | 4,060 |
| Average earning assets | $124,541,500 | 3,989 |
| Average equity | $15,954,250 | 3,748 |
| Average total loans | $96,621,500 | 3,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,681 |
| Cost of funding earning assets | 0.9147% | 829 |
| Net interest margin | 3.4558% | 3,980 |
| Noninterest income to average assets | 0.3123% | 5,205 |
| Noninterest expense to average assets | 2.5124% | 4,679 |
| Loan and lease loss provision to assets | 0.2297% | 1,631 |
| Net operating income to assets | 0.8268% | 3,162 |
| Return on assets (ROA) | 0.8268% | 3,318 |
| Pretax return on assets | 0.8268% | 4,210 |
| Return on Equity (ROE) | 6.8804% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.8804% | 1,942 |
| Net charge-offs to loans | 0.4579% | 1,437 |
| Credit loss provision to net charge-offs | 68.8073% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.1651% | 3,466 |
| Efficiency ratio | 70.3990% | 3,750 |
| Assets per employee ($millions) | 6.3808% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,205 |
| Loan loss allowance to noncurrent loans | 39.9060% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 4.3357% | 771 |
| Noncurrent loans to loans | 5.8502% | 504 |
| Net loans and leases to total assets | 72.3818% | 1,509 |
| Net loans and leases to deposits | 95.2013% | 723 |
| Net loans and leases to core deposits | 102.1566% | 929 |
| Total domestic deposits to total assets | 76.0302% | 6,242 |
| Equity capital to assets | 12.5134% | 1,568 |
| Core capital (leverage) ratio | 12.2467% | 1,475 |
| Tier 1 risk-based capital ratio | 16.6654% | 2,854 |
| Total risk-based capital ratio | 17.9294% | 2,821 |
| Memoranda: | ||
| Average total assets | $130,630,330 | 4,125 |
| Average earning assets | $123,096,670 | 4,056 |
| Average equity | $15,696,670 | 3,822 |
| Average total loans | $95,207,000 | 3,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,649 |
| Cost of funding earning assets | 0.9717% | 698 |
| Net interest margin | 3.3913% | 4,148 |
| Noninterest income to average assets | 0.2936% | 5,358 |
| Noninterest expense to average assets | 2.4611% | 4,907 |
| Loan and lease loss provision to assets | 0.2270% | 1,617 |
| Net operating income to assets | 0.7961% | 3,185 |
| Return on assets (ROA) | 0.7961% | 3,318 |
| Pretax return on assets | 0.7961% | 4,184 |
| Return on Equity (ROE) | 6.7607% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.7607% | 2,273 |
| Net charge-offs to loans | 0.9338% | 657 |
| Credit loss provision to net charge-offs | 33.6323% | 2,831 |
| Earnings coverage of net charge-offs (x) | 1.5157% | 3,324 |
| Efficiency ratio | 70.6342% | 3,867 |
| Assets per employee ($millions) | 6.6471% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 1,545 |
| Loan loss allowance to noncurrent loans | 54.2028% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 3.4474% | 1,238 |
| Noncurrent loans to loans | 4.0982% | 1,082 |
| Net loans and leases to total assets | 70.4591% | 1,586 |
| Net loans and leases to deposits | 91.3452% | 862 |
| Net loans and leases to core deposits | 102.7117% | 789 |
| Total domestic deposits to total assets | 77.1350% | 6,239 |
| Equity capital to assets | 11.8045% | 2,171 |
| Core capital (leverage) ratio | 11.5977% | 1,818 |
| Tier 1 risk-based capital ratio | 16.0326% | 3,245 |
| Total risk-based capital ratio | 17.2948% | 3,197 |
| Memoranda: | ||
| Average total assets | $132,138,000 | 4,134 |
| Average earning assets | $124,318,500 | 4,059 |
| Average equity | $15,560,500 | 3,898 |
| Average total loans | $95,521,500 | 3,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 2,156 |
| Cost of funding earning assets | 1.2385% | 483 |
| Net interest margin | 3.5703% | 4,226 |
| Noninterest income to average assets | 0.2695% | 5,530 |
| Noninterest expense to average assets | 2.9490% | 3,472 |
| Loan and lease loss provision to assets | 0.4456% | 1,418 |
| Net operating income to assets | 0.2251% | 5,717 |
| Return on assets (ROA) | 0.2251% | 5,911 |
| Pretax return on assets | 0.2251% | 5,956 |
| Return on Equity (ROE) | 1.9347% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.9347% | 4,854 |
| Net charge-offs to loans | 0.3742% | 2,762 |
| Credit loss provision to net charge-offs | 163.4831% | 1,649 |
| Earnings coverage of net charge-offs (x) | 2.4607% | 4,179 |
| Efficiency ratio | 81.4721% | 1,949 |
| Assets per employee ($millions) | 6.5668% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3896% | 1,252 |
| Loan loss allowance to noncurrent loans | 124.4396% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 2,581 |
| Noncurrent loans to loans | 1.9203% | 2,784 |
| Net loans and leases to total assets | 70.7884% | 1,682 |
| Net loans and leases to deposits | 92.7104% | 850 |
| Net loans and leases to core deposits | 105.4213% | 719 |
| Total domestic deposits to total assets | 76.3544% | 6,312 |
| Equity capital to assets | 11.7471% | 2,226 |
| Core capital (leverage) ratio | 11.0821% | 2,182 |
| Tier 1 risk-based capital ratio | 15.6225% | 3,365 |
| Total risk-based capital ratio | 16.8874% | 3,314 |
| Memoranda: | ||
| Average total assets | $130,620,800 | 4,138 |
| Average earning assets | $122,566,200 | 4,052 |
| Average equity | $15,196,200 | 3,918 |
| Average total loans | $95,146,800 | 3,637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 2,126 |
| Cost of funding earning assets | 1.2760% | 487 |
| Net interest margin | 3.5928% | 4,265 |
| Noninterest income to average assets | 0.1973% | 6,118 |
| Noninterest expense to average assets | 2.8835% | 3,665 |
| Loan and lease loss provision to assets | 0.5949% | 938 |
| Net operating income to assets | 0.0889% | 6,143 |
| Return on assets (ROA) | 0.0889% | 6,286 |
| Pretax return on assets | 0.0889% | 6,287 |
| Return on Equity (ROE) | 0.7663% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.7663% | 5,849 |
| Net charge-offs to loans | 0.4822% | 2,170 |
| Credit loss provision to net charge-offs | 169.1860% | 1,646 |
| Earnings coverage of net charge-offs (x) | 1.9448% | 4,286 |
| Efficiency ratio | 80.8309% | 1,969 |
| Assets per employee ($millions) | 6.8270% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 1,288 |
| Loan loss allowance to noncurrent loans | 66.9202% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 3.0533% | 1,702 |
| Noncurrent loans to loans | 3.6454% | 1,476 |
| Net loans and leases to total assets | 67.0153% | 2,452 |
| Net loans and leases to deposits | 85.8247% | 1,618 |
| Net loans and leases to core deposits | 99.9771% | 1,122 |
| Total domestic deposits to total assets | 78.0839% | 6,057 |
| Equity capital to assets | 11.1485% | 3,095 |
| Core capital (leverage) ratio | 10.8221% | 2,570 |
| Tier 1 risk-based capital ratio | 15.5875% | 3,485 |
| Total risk-based capital ratio | 16.8524% | 3,442 |
| Memoranda: | ||
| Average total assets | $130,442,250 | 4,176 |
| Average earning assets | $122,353,750 | 4,094 |
| Average equity | $15,138,250 | 3,968 |
| Average total loans | $95,122,000 | 3,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 1,776 |
| Cost of funding earning assets | 1.3531% | 424 |
| Net interest margin | 3.6520% | 4,028 |
| Noninterest income to average assets | 0.3427% | 5,095 |
| Noninterest expense to average assets | 3.0340% | 3,141 |
| Loan and lease loss provision to assets | 0.6728% | 836 |
| Net operating income to assets | 0.0576% | 6,244 |
| Return on assets (ROA) | 0.0576% | 6,383 |
| Pretax return on assets | 0.0576% | 6,379 |
| Return on Equity (ROE) | 0.4897% | 6,395 |
| Retained earnings to average equity (ytd only) | 0.4897% | 5,873 |
| Net charge-offs to loans | 0.6320% | 1,740 |
| Credit loss provision to net charge-offs | 143.0464% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.5530% | 4,216 |
| Efficiency ratio | 80.5958% | 2,088 |
| Assets per employee ($millions) | 6.4253% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,605 |
| Loan loss allowance to noncurrent loans | 77.2228% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.9785% | 1,848 |
| Noncurrent loans to loans | 2.9655% | 2,012 |
| Net loans and leases to total assets | 68.9340% | 2,111 |
| Net loans and leases to deposits | 88.5451% | 1,313 |
| Net loans and leases to core deposits | 103.2663% | 904 |
| Total domestic deposits to total assets | 77.8518% | 6,182 |
| Equity capital to assets | 11.2442% | 2,848 |
| Core capital (leverage) ratio | 11.3414% | 2,015 |
| Tier 1 risk-based capital ratio | 15.3930% | 3,506 |
| Total risk-based capital ratio | 16.6564% | 3,463 |
| Memoranda: | ||
| Average total assets | $128,410,000 | 4,240 |
| Average earning assets | $120,316,670 | 4,163 |
| Average equity | $15,110,330 | 3,966 |
| Average total loans | $95,566,000 | 3,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 1,317 |
| Cost of funding earning assets | 1.5436% | 238 |
| Net interest margin | 3.6576% | 4,022 |
| Noninterest income to average assets | 0.3612% | 4,993 |
| Noninterest expense to average assets | 3.2345% | 2,492 |
| Loan and lease loss provision to assets | 0.9013% | 489 |
| Net operating income to assets | -0.3516% | 6,732 |
| Return on assets (ROA) | -0.3516% | 6,775 |
| Pretax return on assets | -0.3516% | 6,755 |
| Return on Equity (ROE) | -2.9179% | 6,748 |
| Retained earnings to average equity (ytd only) | -2.9179% | 6,384 |
| Net charge-offs to loans | 0.4679% | 1,915 |
| Credit loss provision to net charge-offs | 251.7857% | 1,134 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 3,562 |
| Efficiency ratio | 85.4730% | 1,528 |
| Assets per employee ($millions) | 5.8051% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,650 |
| Loan loss allowance to noncurrent loans | 86.2471% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.9519% | 1,960 |
| Noncurrent loans to loans | 2.6834% | 2,428 |
| Net loans and leases to total assets | 73.3700% | 1,159 |
| Net loans and leases to deposits | 96.2933% | 516 |
| Net loans and leases to core deposits | 114.1453% | 426 |
| Total domestic deposits to total assets | 76.1943% | 6,522 |
| Equity capital to assets | 11.7647% | 2,211 |
| Core capital (leverage) ratio | 11.2467% | 2,079 |
| Tier 1 risk-based capital ratio | 15.2355% | 3,600 |
| Total risk-based capital ratio | 16.4985% | 3,556 |
| Memoranda: | ||
| Average total assets | $125,149,000 | 4,339 |
| Average earning assets | $117,125,500 | 4,268 |
| Average equity | $15,079,500 | 3,977 |
| Average total loans | $95,752,000 | 3,693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 2,003 |
| Cost of funding earning assets | 1.8827% | 161 |
| Net interest margin | 3.3330% | 5,716 |
| Noninterest income to average assets | 0.3946% | 4,658 |
| Noninterest expense to average assets | 3.2397% | 2,730 |
| Loan and lease loss provision to assets | 0.3226% | 3,104 |
| Net operating income to assets | -0.0877% | 6,154 |
| Return on assets (ROA) | -0.0877% | 6,228 |
| Pretax return on assets | -0.0877% | 6,208 |
| Return on Equity (ROE) | -0.7151% | 6,220 |
| Retained earnings to average equity (ytd only) | -0.7151% | 5,963 |
| Net charge-offs to loans | 1.1086% | 1,553 |
| Credit loss provision to net charge-offs | 39.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | 0.2840% | 5,615 |
| Efficiency ratio | 93.2381% | 966 |
| Assets per employee ($millions) | 5.5720% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1448% | 1,906 |
| Loan loss allowance to noncurrent loans | 82.9288% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 3.0501% | 1,967 |
| Noncurrent loans to loans | 2.5863% | 2,529 |
| Net loans and leases to total assets | 76.2989% | 909 |
| Net loans and leases to deposits | 97.9218% | 564 |
| Net loans and leases to core deposits | 130.4222% | 233 |
| Total domestic deposits to total assets | 77.9182% | 6,209 |
| Equity capital to assets | 12.3457% | 1,883 |
| Core capital (leverage) ratio | 12.2231% | 1,480 |
| Tier 1 risk-based capital ratio | 15.4912% | 3,329 |
| Total risk-based capital ratio | 16.7512% | 3,278 |
| Memoranda: | ||
| Average total assets | $120,876,200 | 4,373 |
| Average earning assets | $111,701,400 | 4,348 |
| Average equity | $14,822,400 | 3,949 |
| Average total loans | $90,207,000 | 3,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 2,237 |
| Cost of funding earning assets | 1.9840% | 126 |
| Net interest margin | 3.2073% | 6,142 |
| Noninterest income to average assets | 0.3963% | 4,694 |
| Noninterest expense to average assets | 3.2810% | 2,555 |
| Loan and lease loss provision to assets | 0.0609% | 5,685 |
| Net operating income to assets | 0.0089% | 6,141 |
| Return on assets (ROA) | 0.0089% | 6,242 |
| Pretax return on assets | 0.0089% | 6,218 |
| Return on Equity (ROE) | 0.0724% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.0724% | 5,930 |
| Net charge-offs to loans | 1.0998% | 1,443 |
| Credit loss provision to net charge-offs | 7.5034% | 5,687 |
| Earnings coverage of net charge-offs (x) | 0.0860% | 5,540 |
| Efficiency ratio | 97.9187% | 741 |
| Assets per employee ($millions) | 5.8032% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 1,808 |
| Loan loss allowance to noncurrent loans | 45.5737% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 5.2648% | 1,083 |
| Noncurrent loans to loans | 4.8974% | 1,288 |
| Net loans and leases to total assets | 71.2416% | 1,858 |
| Net loans and leases to deposits | 86.9975% | 1,555 |
| Net loans and leases to core deposits | 114.1257% | 550 |
| Total domestic deposits to total assets | 81.8893% | 5,138 |
| Equity capital to assets | 12.5325% | 1,904 |
| Core capital (leverage) ratio | 12.4199% | 1,474 |
| Tier 1 risk-based capital ratio | 16.4683% | 2,881 |
| Total risk-based capital ratio | 17.7300% | 2,835 |
| Memoranda: | ||
| Average total assets | $120,449,000 | 4,412 |
| Average earning assets | $110,952,000 | 4,391 |
| Average equity | $14,744,500 | 3,972 |
| Average total loans | $88,863,500 | 3,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 2,321 |
| Cost of funding earning assets | 2.1450% | 84 |
| Net interest margin | 3.0400% | 6,524 |
| Noninterest income to average assets | 0.3701% | 4,907 |
| Noninterest expense to average assets | 3.2423% | 2,756 |
| Loan and lease loss provision to assets | 0.0250% | 5,986 |
| Net operating income to assets | -0.1000% | 6,350 |
| Return on assets (ROA) | -0.1000% | 6,403 |
| Pretax return on assets | -0.1000% | 6,363 |
| Return on Equity (ROE) | -0.8237% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.8237% | 6,022 |
| Net charge-offs to loans | 1.0148% | 1,554 |
| Credit loss provision to net charge-offs | 3.3259% | 5,308 |
| Earnings coverage of net charge-offs (x) | -0.0998% | 5,347 |
| Efficiency ratio | 102.3684% | 653 |
| Assets per employee ($millions) | 5.5169% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,631 |
| Loan loss allowance to noncurrent loans | 40.1662% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 6.1172% | 913 |
| Noncurrent loans to loans | 5.9133% | 1,020 |
| Net loans and leases to total assets | 78.9036% | 660 |
| Net loans and leases to deposits | 97.4355% | 623 |
| Net loans and leases to core deposits | 137.5873% | 203 |
| Total domestic deposits to total assets | 80.9804% | 5,534 |
| Equity capital to assets | 13.1251% | 1,460 |
| Core capital (leverage) ratio | 12.7243% | 1,280 |
| Tier 1 risk-based capital ratio | 15.7297% | 3,114 |
| Total risk-based capital ratio | 16.9940% | 3,087 |
| Memoranda: | ||
| Average total assets | $119,976,330 | 4,455 |
| Average earning assets | $110,396,000 | 4,436 |
| Average equity | $14,568,330 | 3,992 |
| Average total loans | $88,884,000 | 3,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1283% | 2,521 |
| Cost of funding earning assets | 2.2967% | 64 |
| Net interest margin | 2.8316% | 6,867 |
| Noninterest income to average assets | 0.3278% | 5,287 |
| Noninterest expense to average assets | 3.1695% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2393% | 6,601 |
| Return on assets (ROA) | -0.2393% | 6,614 |
| Pretax return on assets | -0.2393% | 6,566 |
| Return on Equity (ROE) | -2.0492% | 6,589 |
| Retained earnings to average equity (ytd only) | -2.0492% | 6,155 |
| Net charge-offs to loans | 1.9698% | 648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1714% | 4,680 |
| Efficiency ratio | 108.1655% | 537 |
| Assets per employee ($millions) | 5.3067% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5720% | 1,352 |
| Loan loss allowance to noncurrent loans | 60.7395% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 4.4780% | 1,450 |
| Noncurrent loans to loans | 4.2344% | 1,686 |
| Net loans and leases to total assets | 72.4860% | 1,615 |
| Net loans and leases to deposits | 93.2795% | 896 |
| Net loans and leases to core deposits | 143.2494% | 178 |
| Total domestic deposits to total assets | 77.7084% | 6,412 |
| Equity capital to assets | 13.0315% | 1,364 |
| Core capital (leverage) ratio | 12.0678% | 1,522 |
| Tier 1 risk-based capital ratio | 16.8623% | 2,530 |
| Total risk-based capital ratio | 18.1279% | 2,489 |
| Memoranda: | ||
| Average total assets | $122,037,500 | 4,417 |
| Average earning assets | $112,162,000 | 4,403 |
| Average equity | $14,249,500 | 4,064 |
| Average total loans | $86,507,500 | 4,064 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 3,963 |
| Cost of funding earning assets | 2.5884% | 78 |
| Net interest margin | 2.5409% | 7,250 |
| Noninterest income to average assets | 0.7576% | 2,497 |
| Noninterest expense to average assets | 3.4795% | 2,230 |
| Loan and lease loss provision to assets | 0.5827% | 2,807 |
| Net operating income to assets | -0.8091% | 6,583 |
| Return on assets (ROA) | -0.8091% | 6,609 |
| Pretax return on assets | -0.9832% | 6,634 |
| Return on Equity (ROE) | -7.8053% | 6,610 |
| Retained earnings to average equity (ytd only) | -7.8053% | 6,519 |
| Net charge-offs to loans | 0.7497% | 2,765 |
| Credit loss provision to net charge-offs | 112.8023% | 3,869 |
| Earnings coverage of net charge-offs (x) | -0.7752% | 6,544 |
| Efficiency ratio | 113.0072% | 491 |
| Assets per employee ($millions) | 5.7876% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0875% | 810 |
| Loan loss allowance to noncurrent loans | 86.5322% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 5.0091% | 1,274 |
| Noncurrent loans to loans | 3.5680% | 2,107 |
| Net loans and leases to total assets | 65.5753% | 3,548 |
| Net loans and leases to deposits | 83.2918% | 2,567 |
| Net loans and leases to core deposits | 125.5149% | 395 |
| Total domestic deposits to total assets | 78.7296% | 6,155 |
| Equity capital to assets | 10.4338% | 3,234 |
| Core capital (leverage) ratio | 10.1319% | 2,948 |
| Tier 1 risk-based capital ratio | 15.1099% | 3,188 |
| Total risk-based capital ratio | 16.3812% | 3,126 |
| Memoranda: | ||
| Average total assets | $136,083,200 | 4,140 |
| Average earning assets | $124,324,000 | 4,146 |
| Average equity | $14,105,800 | 4,120 |
| Average total loans | $93,771,200 | 3,960 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 4,082 |
| Cost of funding earning assets | 2.6347% | 85 |
| Net interest margin | 2.5143% | 7,371 |
| Noninterest income to average assets | 0.7984% | 2,243 |
| Noninterest expense to average assets | 2.8600% | 4,245 |
| Loan and lease loss provision to assets | 0.4127% | 3,428 |
| Net operating income to assets | -0.1090% | 6,195 |
| Return on assets (ROA) | -0.1090% | 6,283 |
| Pretax return on assets | -0.1784% | 6,305 |
| Return on Equity (ROE) | -1.0528% | 6,285 |
| Retained earnings to average equity (ytd only) | -1.0528% | 6,024 |
| Net charge-offs to loans | 0.4264% | 3,586 |
| Credit loss provision to net charge-offs | 139.8693% | 2,844 |
| Earnings coverage of net charge-offs (x) | 0.7941% | 5,254 |
| Efficiency ratio | 92.4275% | 1,087 |
| Assets per employee ($millions) | 6.7516% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9909% | 826 |
| Loan loss allowance to noncurrent loans | 76.8704% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 4.1212% | 1,673 |
| Noncurrent loans to loans | 3.8908% | 1,953 |
| Net loans and leases to total assets | 64.6625% | 3,982 |
| Net loans and leases to deposits | 83.1769% | 2,877 |
| Net loans and leases to core deposits | 126.0666% | 449 |
| Total domestic deposits to total assets | 77.7408% | 6,309 |
| Equity capital to assets | 10.5730% | 3,441 |
| Core capital (leverage) ratio | 10.3962% | 2,806 |
| Tier 1 risk-based capital ratio | 15.5369% | 2,978 |
| Total risk-based capital ratio | 16.8073% | 2,931 |
| Memoranda: | ||
| Average total assets | $138,272,250 | 4,145 |
| Average earning assets | $126,259,500 | 4,155 |
| Average equity | $14,311,000 | 4,131 |
| Average total loans | $95,675,250 | 3,976 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 4,217 |
| Cost of funding earning assets | 2.6834% | 98 |
| Net interest margin | 2.4615% | 7,438 |
| Noninterest income to average assets | 0.4148% | 4,796 |
| Noninterest expense to average assets | 2.6939% | 4,933 |
| Loan and lease loss provision to assets | 0.3272% | 3,780 |
| Net operating income to assets | -0.2253% | 6,385 |
| Return on assets (ROA) | -0.2253% | 6,429 |
| Pretax return on assets | -0.3617% | 6,480 |
| Return on Equity (ROE) | -2.1924% | 6,438 |
| Retained earnings to average equity (ytd only) | -2.1924% | 6,178 |
| Net charge-offs to loans | 0.1947% | 4,441 |
| Credit loss provision to net charge-offs | 240.0000% | 1,601 |
| Earnings coverage of net charge-offs (x) | -0.2526% | 5,905 |
| Efficiency ratio | 101.2952% | 761 |
| Assets per employee ($millions) | 6.7008% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8901% | 925 |
| Loan loss allowance to noncurrent loans | 70.5928% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 5.6333% | 1,084 |
| Noncurrent loans to loans | 4.0940% | 1,839 |
| Net loans and leases to total assets | 64.5435% | 4,150 |
| Net loans and leases to deposits | 82.8201% | 3,112 |
| Net loans and leases to core deposits | 122.7952% | 606 |
| Total domestic deposits to total assets | 77.9321% | 6,286 |
| Equity capital to assets | 10.1126% | 3,876 |
| Core capital (leverage) ratio | 10.3861% | 2,728 |
| Tier 1 risk-based capital ratio | 14.5248% | 3,432 |
| Total risk-based capital ratio | 15.7930% | 3,384 |
| Memoranda: | ||
| Average total assets | $139,352,330 | 4,149 |
| Average earning assets | $127,076,670 | 4,154 |
| Average equity | $14,322,330 | 4,131 |
| Average total loans | $97,564,670 | 3,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 4,542 |
| Cost of funding earning assets | 2.7421% | 107 |
| Net interest margin | 2.3549% | 7,562 |
| Noninterest income to average assets | 0.7096% | 2,529 |
| Noninterest expense to average assets | 2.7115% | 4,848 |
| Loan and lease loss provision to assets | 0.3288% | 3,427 |
| Net operating income to assets | -0.1067% | 6,439 |
| Return on assets (ROA) | -0.1067% | 6,516 |
| Pretax return on assets | -0.1731% | 6,532 |
| Return on Equity (ROE) | -1.0300% | 6,531 |
| Retained earnings to average equity (ytd only) | -1.0300% | 6,055 |
| Net charge-offs to loans | 0.0161% | 5,358 |
| Credit loss provision to net charge-offs | 2,850.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,493 |
| Efficiency ratio | 94.5674% | 1,104 |
| Assets per employee ($millions) | 6.6490% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7412% | 1,045 |
| Loan loss allowance to noncurrent loans | 37.3832% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 6.5094% | 876 |
| Noncurrent loans to loans | 7.3327% | 791 |
| Net loans and leases to total assets | 68.1002% | 3,361 |
| Net loans and leases to deposits | 87.5998% | 2,297 |
| Net loans and leases to core deposits | 131.4101% | 452 |
| Total domestic deposits to total assets | 77.7401% | 6,384 |
| Equity capital to assets | 10.2773% | 3,501 |
| Core capital (leverage) ratio | 10.3312% | 2,778 |
| Tier 1 risk-based capital ratio | 14.2786% | 3,499 |
| Total risk-based capital ratio | 15.5454% | 3,455 |
| Memoranda: | ||
| Average total assets | $138,670,500 | 4,217 |
| Average earning assets | $127,055,000 | 4,214 |
| Average equity | $14,368,500 | 4,152 |
| Average total loans | $99,584,000 | 3,970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9258% | 2,142 |
| Cost of funding earning assets | 2.9862% | 246 |
| Net interest margin | 2.9396% | 6,782 |
| Noninterest income to average assets | 0.5014% | 4,397 |
| Noninterest expense to average assets | 3.0420% | 3,983 |
| Loan and lease loss provision to assets | 4.0377% | 330 |
| Net operating income to assets | -2.6198% | 7,302 |
| Return on assets (ROA) | -2.6198% | 7,307 |
| Pretax return on assets | -3.8373% | 7,492 |
| Return on Equity (ROE) | -21.7435% | 7,199 |
| Retained earnings to average equity (ytd only) | -21.7435% | 7,169 |
| Net charge-offs to loans | 4.3899% | 340 |
| Credit loss provision to net charge-offs | 116.1707% | 4,676 |
| Earnings coverage of net charge-offs (x) | 0.0577% | 6,117 |
| Efficiency ratio | 93.8187% | 1,426 |
| Assets per employee ($millions) | 6.5578% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5345% | 1,188 |
| Loan loss allowance to noncurrent loans | 30.7711% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 6.7256% | 776 |
| Noncurrent loans to loans | 8.2366% | 594 |
| Net loans and leases to total assets | 71.7659% | 2,818 |
| Net loans and leases to deposits | 96.3537% | 1,289 |
| Net loans and leases to core deposits | 174.5606% | 203 |
| Total domestic deposits to total assets | 74.4817% | 6,952 |
| Equity capital to assets | 10.4471% | 3,244 |
| Core capital (leverage) ratio | 10.3654% | 2,719 |
| Tier 1 risk-based capital ratio | 13.9073% | 3,561 |
| Total risk-based capital ratio | 15.1721% | 3,506 |
| Memoranda: | ||
| Average total assets | $140,202,200 | 4,122 |
| Average earning assets | $130,733,800 | 4,072 |
| Average equity | $16,892,400 | 3,692 |
| Average total loans | $111,004,200 | 3,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9895% | 2,084 |
| Cost of funding earning assets | 2.9882% | 341 |
| Net interest margin | 3.0013% | 6,608 |
| Noninterest income to average assets | 0.4904% | 4,575 |
| Noninterest expense to average assets | 2.8593% | 4,621 |
| Loan and lease loss provision to assets | 2.3954% | 704 |
| Net operating income to assets | -1.1361% | 6,924 |
| Return on assets (ROA) | -1.1361% | 6,924 |
| Pretax return on assets | -1.9523% | 7,157 |
| Return on Equity (ROE) | -9.1328% | 6,821 |
| Retained earnings to average equity (ytd only) | -9.1328% | 6,714 |
| Net charge-offs to loans | 2.7076% | 669 |
| Credit loss provision to net charge-offs | 109.8567% | 4,628 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 5,819 |
| Efficiency ratio | 86.5826% | 2,008 |
| Assets per employee ($millions) | 6.2402% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 2,178 |
| Loan loss allowance to noncurrent loans | 18.6036% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 7.8661% | 553 |
| Noncurrent loans to loans | 9.8781% | 409 |
| Net loans and leases to total assets | 78.1688% | 1,537 |
| Net loans and leases to deposits | 107.5086% | 578 |
| Net loans and leases to core deposits | 193.3446% | 122 |
| Total domestic deposits to total assets | 72.7093% | 7,118 |
| Equity capital to assets | 12.2796% | 2,080 |
| Core capital (leverage) ratio | 12.1733% | 1,719 |
| Tier 1 risk-based capital ratio | 14.8421% | 3,115 |
| Total risk-based capital ratio | 16.0994% | 3,053 |
| Memoranda: | ||
| Average total assets | $140,824,500 | 4,122 |
| Average earning assets | $131,938,750 | 4,070 |
| Average equity | $17,518,750 | 3,610 |
| Average total loans | $113,405,000 | 3,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5350% | 4,416 |
| Cost of funding earning assets | 3.0003% | 475 |
| Net interest margin | 2.5347% | 7,437 |
| Noninterest income to average assets | 0.4620% | 4,765 |
| Noninterest expense to average assets | 2.7901% | 4,999 |
| Loan and lease loss provision to assets | 1.5633% | 1,087 |
| Net operating income to assets | -0.8774% | 6,888 |
| Return on assets (ROA) | -0.8774% | 6,894 |
| Pretax return on assets | -1.5070% | 7,092 |
| Return on Equity (ROE) | -7.0241% | 6,803 |
| Retained earnings to average equity (ytd only) | -7.0241% | 6,562 |
| Net charge-offs to loans | 1.6887% | 1,123 |
| Credit loss provision to net charge-offs | 114.5511% | 4,042 |
| Earnings coverage of net charge-offs (x) | 0.0413% | 5,636 |
| Efficiency ratio | 98.0208% | 1,266 |
| Assets per employee ($millions) | 6.4526% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 2,438 |
| Loan loss allowance to noncurrent loans | 18.1844% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 7.4494% | 537 |
| Noncurrent loans to loans | 9.1913% | 421 |
| Net loans and leases to total assets | 79.6946% | 1,361 |
| Net loans and leases to deposits | 108.9767% | 608 |
| Net loans and leases to core deposits | 199.4922% | 125 |
| Total domestic deposits to total assets | 73.1299% | 7,091 |
| Equity capital to assets | 12.2805% | 2,040 |
| Core capital (leverage) ratio | 12.0118% | 1,824 |
| Tier 1 risk-based capital ratio | 14.2908% | 3,360 |
| Total risk-based capital ratio | 15.5461% | 3,290 |
| Memoranda: | ||
| Average total assets | $142,004,330 | 4,139 |
| Average earning assets | $133,585,330 | 4,074 |
| Average equity | $17,739,000 | 3,584 |
| Average total loans | $114,765,670 | 3,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 2,828 |
| Cost of funding earning assets | 3.0082% | 589 |
| Net interest margin | 2.8858% | 6,779 |
| Noninterest income to average assets | 0.5069% | 4,259 |
| Noninterest expense to average assets | 2.7572% | 4,746 |
| Loan and lease loss provision to assets | 2.2812% | 517 |
| Net operating income to assets | -1.7968% | 7,598 |
| Return on assets (ROA) | -1.7968% | 7,602 |
| Pretax return on assets | -1.8081% | 7,474 |
| Return on Equity (ROE) | -14.2634% | 7,575 |
| Retained earnings to average equity (ytd only) | -14.2634% | 7,396 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3531% | 2,149 |
| Assets per employee ($millions) | 6.1289% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 1,013 |
| Loan loss allowance to noncurrent loans | 32.2148% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 5.7078% | 726 |
| Noncurrent loans to loans | 6.9843% | 576 |
| Net loans and leases to total assets | 79.8844% | 1,411 |
| Net loans and leases to deposits | 109.9429% | 609 |
| Net loans and leases to core deposits | 212.1736% | 112 |
| Total domestic deposits to total assets | 72.6599% | 7,107 |
| Equity capital to assets | 12.3534% | 2,055 |
| Core capital (leverage) ratio | 12.3473% | 1,746 |
| Tier 1 risk-based capital ratio | 14.6267% | 3,242 |
| Total risk-based capital ratio | 15.8885% | 3,168 |
| Memoranda: | ||
| Average total assets | $142,028,000 | 4,148 |
| Average earning assets | $134,035,000 | 4,072 |
| Average equity | $17,892,000 | 3,577 |
| Average total loans | $114,621,000 | 3,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6144% | 2,417 |
| Cost of funding earning assets | 3.2923% | 949 |
| Net interest margin | 3.3221% | 5,962 |
| Noninterest income to average assets | 0.5701% | 4,079 |
| Noninterest expense to average assets | 2.6321% | 5,523 |
| Loan and lease loss provision to assets | 0.6956% | 2,107 |
| Net operating income to assets | 0.2538% | 5,697 |
| Return on assets (ROA) | 0.2538% | 5,513 |
| Pretax return on assets | 0.3874% | 5,297 |
| Return on Equity (ROE) | 2.0371% | 5,608 |
| Retained earnings to average equity (ytd only) | 0.4581% | 4,967 |
| Net charge-offs to loans | 0.5768% | 2,089 |
| Credit loss provision to net charge-offs | 156.7322% | 3,321 |
| Earnings coverage of net charge-offs (x) | 2.4402% | 4,856 |
| Efficiency ratio | 70.8476% | 4,167 |
| Assets per employee ($millions) | 5.7236% | 1,309 |
| Cash dividends to net income (ytd only)* | 77.5132% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 2,382 |
| Loan loss allowance to noncurrent loans | 27.9705% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 4.4524% | 855 |
| Noncurrent loans to loans | 5.5866% | 714 |
| Net loans and leases to total assets | 78.4529% | 2,008 |
| Net loans and leases to deposits | 110.5423% | 800 |
| Net loans and leases to core deposits | 234.2976% | 82 |
| Total domestic deposits to total assets | 70.9709% | 7,163 |
| Equity capital to assets | 12.8380% | 1,856 |
| Core capital (leverage) ratio | 12.5616% | 1,722 |
| Tier 1 risk-based capital ratio | 15.3477% | 2,902 |
| Total risk-based capital ratio | 16.6011% | 2,832 |
| Memoranda: | ||
| Average total assets | $148,928,800 | 3,920 |
| Average earning assets | $140,995,800 | 3,827 |
| Average equity | $18,555,400 | 3,467 |
| Average total loans | $114,592,600 | 3,572 |