Home > Aurora Interim National Bank > Performance and Condition Ratios
Aurora Interim National Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4037% | 7,001 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.4037% | 6,997 |
| Noninterest income to average assets | 2.1315% | 399 |
| Noninterest expense to average assets | 28.9358% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -26.5081% | 7,018 |
| Return on assets (ROA) | -26.5081% | 7,018 |
| Pretax return on assets | -26.4429% | 7,018 |
| Return on Equity (ROE) | -57.5908% | 6,978 |
| Retained earnings to average equity (ytd only) | -57.5908% | 6,972 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,099.7093% | 5 |
| Assets per employee ($millions) | 2.5709% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 0.1594% | 7,023 |
| Equity capital to assets | 52.6214% | 40 |
| Core capital (leverage) ratio | 52.5735% | 37 |
| Tier 1 risk-based capital ratio | 723.8882% | 4 |
| Total risk-based capital ratio | 723.8882% | 4 |
| Memoranda: | ||
| Average total assets | $386,387,000 | 1,732 |
| Average earning assets | $345,829,500 | 1,754 |
| Average equity | $177,848,000 | 432 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6238% | 7,018 |
| Cost of funding earning assets | 1.9275% | 39 |
| Net interest margin | -0.3037% | 7,083 |
| Noninterest income to average assets | -1.0011% | 7,057 |
| Noninterest expense to average assets | 13.2193% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -14.3517% | 7,082 |
| Return on assets (ROA) | -19.3216% | 7,083 |
| Pretax return on assets | -19.3462% | 7,083 |
| Return on Equity (ROE) | -91.6631% | 7,065 |
| Retained earnings to average equity (ytd only) | -91.8796% | 7,065 |
| Net charge-offs to loans | -1.1654% | 7,028 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,110.8948% | 7,079 |
| Assets per employee ($millions) | 2.4818% | 6,634 |
| Cash dividends to net income (ytd only)* | -0.2361% | 7,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 0.1089% | 7,086 |
| Equity capital to assets | 41.5246% | 45 |
| Core capital (leverage) ratio | 41.5116% | 41 |
| Tier 1 risk-based capital ratio | 561.7766% | 7 |
| Total risk-based capital ratio | 561.7766% | 7 |
| Memoranda: | ||
| Average total assets | $1,922,321,800 | 369 |
| Average earning assets | $986,433,600 | 600 |
| Average equity | $405,205,400 | 228 |
| Average total loans | $205,942,800 | 1,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 6,880 |
| Cost of funding earning assets | 2.2455% | 13 |
| Net interest margin | 0.7981% | 7,154 |
| Noninterest income to average assets | -1.9003% | 7,172 |
| Noninterest expense to average assets | 6.5497% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -8.0626% | 7,178 |
| Return on assets (ROA) | -12.6316% | 7,179 |
| Pretax return on assets | -12.6252% | 7,178 |
| Return on Equity (ROE) | -62.9901% | 7,142 |
| Retained earnings to average equity (ytd only) | -63.2449% | 7,138 |
| Net charge-offs to loans | -1.2430% | 7,123 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -413.4452% | 7,177 |
| Assets per employee ($millions) | 2.3963% | 6,786 |
| Cash dividends to net income (ytd only)* | -0.4046% | 7,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 6,622 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0317% | 7,146 |
| Net loans and leases to deposits | 32.2000% | 6,908 |
| Net loans and leases to core deposits | 32.2000% | 6,931 |
| Total domestic deposits to total assets | 0.0984% | 7,186 |
| Equity capital to assets | 67.9696% | 32 |
| Core capital (leverage) ratio | 67.9624% | 30 |
| Tier 1 risk-based capital ratio | 984.6702% | 4 |
| Total risk-based capital ratio | 984.6702% | 4 |
| Memoranda: | ||
| Average total assets | $2,288,120,250 | 317 |
| Average earning assets | $1,128,978,250 | 533 |
| Average equity | $458,844,000 | 209 |
| Average total loans | $257,428,500 | 1,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 6,255 |
| Cost of funding earning assets | 2.8107% | 4 |
| Net interest margin | 0.9384% | 7,211 |
| Noninterest income to average assets | -2.3934% | 7,237 |
| Noninterest expense to average assets | 5.4848% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -7.4434% | 7,235 |
| Return on assets (ROA) | -11.3254% | 7,242 |
| Pretax return on assets | -11.3203% | 7,241 |
| Return on Equity (ROE) | -65.7026% | 7,189 |
| Retained earnings to average equity (ytd only) | -66.0558% | 7,186 |
| Net charge-offs to loans | -1.3987% | 7,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -266.1313% | 7,239 |
| Assets per employee ($millions) | 0.5009% | 7,203 |
| Cash dividends to net income (ytd only)* | -0.5375% | 7,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 5,853 |
| Noncurrent loans to loans | 22.6922% | 29 |
| Net loans and leases to total assets | 1.4718% | 7,202 |
| Net loans and leases to deposits | 7.9152% | 7,201 |
| Net loans and leases to core deposits | 7.9152% | 7,192 |
| Total domestic deposits to total assets | 18.5944% | 7,216 |
| Equity capital to assets | 55.3034% | 35 |
| Core capital (leverage) ratio | 55.3026% | 34 |
| Tier 1 risk-based capital ratio | 519.6032% | 4 |
| Total risk-based capital ratio | 519.6032% | 4 |
| Memoranda: | ||
| Average total assets | $2,881,487,000 | 256 |
| Average earning assets | $1,351,051,330 | 449 |
| Average equity | $496,692,330 | 194 |
| Average total loans | $343,184,330 | 1,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 2,668 |
| Cost of funding earning assets | 2.4240% | 12 |
| Net interest margin | 2.3691% | 7,030 |
| Noninterest income to average assets | -0.2761% | 7,219 |
| Noninterest expense to average assets | 3.2365% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.4912% | 7,190 |
| Return on assets (ROA) | -6.3394% | 7,285 |
| Pretax return on assets | -6.3357% | 7,284 |
| Return on Equity (ROE) | -46.0312% | 7,216 |
| Retained earnings to average equity (ytd only) | -46.6741% | 7,204 |
| Net charge-offs to loans | -1.8843% | 7,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 407.5896% | 10 |
| Assets per employee ($millions) | 1.9700% | 7,127 |
| Cash dividends to net income (ytd only)* | -1.3968% | 7,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 4,796 |
| Noncurrent loans to loans | 10.6063% | 269 |
| Net loans and leases to total assets | 7.1663% | 7,250 |
| Net loans and leases to deposits | 8.9834% | 7,256 |
| Net loans and leases to core deposits | 24.0135% | 7,154 |
| Total domestic deposits to total assets | 79.7732% | 5,904 |
| Equity capital to assets | 13.5833% | 1,205 |
| Core capital (leverage) ratio | 13.0834% | 1,094 |
| Tier 1 risk-based capital ratio | 19.4481% | 1,857 |
| Total risk-based capital ratio | 19.4851% | 2,191 |
| Memoranda: | ||
| Average total assets | $3,961,581,000 | 209 |
| Average earning assets | $1,714,050,000 | 362 |
| Average equity | $545,587,000 | 180 |
| Average total loans | $509,468,500 | 819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 5,277 |
| Cost of funding earning assets | 3.9789% | 2 |
| Net interest margin | 0.4633% | 7,335 |
| Noninterest income to average assets | 1.6272% | 517 |
| Noninterest expense to average assets | 6.2487% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -4.4200% | 7,277 |
| Return on assets (ROA) | -6.5239% | 7,329 |
| Pretax return on assets | -6.4967% | 7,332 |
| Return on Equity (ROE) | -35.3982% | 7,133 |
| Retained earnings to average equity (ytd only) | -35.5941% | 7,129 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 325.3425% | 22 |
| Assets per employee ($millions) | 2.1355% | 7,105 |
| Cash dividends to net income (ytd only)* | -0.5533% | 7,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 3.3321% | 1,780 |
| Noncurrent loans to loans | 16.5453% | 98 |
| Net loans and leases to total assets | 18.0613% | 7,231 |
| Net loans and leases to deposits | 22.6101% | 7,230 |
| Net loans and leases to core deposits | 60.2893% | 5,824 |
| Total domestic deposits to total assets | 79.8818% | 5,772 |
| Equity capital to assets | 13.9443% | 1,085 |
| Core capital (leverage) ratio | 13.4745% | 974 |
| Tier 1 risk-based capital ratio | 18.7458% | 1,978 |
| Total risk-based capital ratio | 18.7458% | 2,350 |
| Memoranda: | ||
| Average total assets | $4,421,431,800 | 184 |
| Average earning assets | $2,181,520,400 | 288 |
| Average equity | $814,871,200 | 137 |
| Average total loans | $889,612,800 | 470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 5,380 |
| Cost of funding earning assets | 3.5262% | 3 |
| Net interest margin | 0.9354% | 7,398 |
| Noninterest income to average assets | 6.5635% | 99 |
| Noninterest expense to average assets | 7.3463% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3041% | 6,502 |
| Return on assets (ROA) | -0.3009% | 6,555 |
| Pretax return on assets | -0.3107% | 6,500 |
| Return on Equity (ROE) | -1.5461% | 6,432 |
| Retained earnings to average equity (ytd only) | -1.6678% | 6,256 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4124% | 620 |
| Assets per employee ($millions) | 2.4148% | 6,972 |
| Cash dividends to net income (ytd only)* | -7.8713% | 7,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 2.6124% | 2,473 |
| Noncurrent loans to loans | 12.0095% | 237 |
| Net loans and leases to total assets | 19.1762% | 7,295 |
| Net loans and leases to deposits | 25.7694% | 7,270 |
| Net loans and leases to core deposits | 68.2049% | 5,157 |
| Total domestic deposits to total assets | 74.4147% | 6,712 |
| Equity capital to assets | 18.7163% | 334 |
| Core capital (leverage) ratio | 18.1465% | 312 |
| Tier 1 risk-based capital ratio | 26.0405% | 831 |
| Total risk-based capital ratio | 26.0405% | 918 |
| Memoranda: | ||
| Average total assets | $4,491,593,500 | 179 |
| Average earning assets | $2,251,336,750 | 279 |
| Average equity | $874,238,000 | 132 |
| Average total loans | $925,046,000 | 456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 5,094 |
| Cost of funding earning assets | 4.2076% | 3 |
| Net interest margin | 0.3635% | 7,490 |
| Noninterest income to average assets | 8.5649% | 76 |
| Noninterest expense to average assets | 6.9303% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7621% | 542 |
| Return on assets (ROA) | 1.7621% | 581 |
| Pretax return on assets | 1.8164% | 845 |
| Return on Equity (ROE) | 8.9357% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.9357% | 1,128 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6977% | 2,900 |
| Assets per employee ($millions) | 2.4094% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 3.0111% | 2,231 |
| Noncurrent loans to loans | 13.1024% | 200 |
| Net loans and leases to total assets | 20.3288% | 7,362 |
| Net loans and leases to deposits | 27.3480% | 7,336 |
| Net loans and leases to core deposits | 85.4373% | 3,006 |
| Total domestic deposits to total assets | 74.3339% | 6,805 |
| Equity capital to assets | 19.8197% | 271 |
| Core capital (leverage) ratio | 19.2264% | 262 |
| Tier 1 risk-based capital ratio | 27.9230% | 661 |
| Total risk-based capital ratio | 27.9230% | 734 |
| Memoranda: | ||
| Average total assets | $4,463,428,000 | 184 |
| Average earning assets | $2,231,685,670 | 284 |
| Average equity | $880,158,330 | 134 |
| Average total loans | $940,887,670 | 455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 5,220 |
| Cost of funding earning assets | 5.3715% | 3 |
| Net interest margin | -0.8351% | 7,573 |
| Noninterest income to average assets | 10.8171% | 64 |
| Noninterest expense to average assets | 6.9007% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.3675% | 95 |
| Return on assets (ROA) | 3.3675% | 98 |
| Pretax return on assets | 3.4984% | 127 |
| Return on Equity (ROE) | 17.1211% | 551 |
| Retained earnings to average equity (ytd only) | 17.1211% | 271 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1837% | 5,333 |
| Assets per employee ($millions) | 2.4819% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0237% | 7,497 |
| Loan loss allowance to noncurrent loans | 0.1810% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 3.2859% | 2,086 |
| Noncurrent loans to loans | 13.0982% | 227 |
| Net loans and leases to total assets | 21.5299% | 7,410 |
| Net loans and leases to deposits | 29.0253% | 7,371 |
| Net loans and leases to core deposits | 104.0017% | 1,063 |
| Total domestic deposits to total assets | 74.1765% | 6,882 |
| Equity capital to assets | 19.6283% | 275 |
| Core capital (leverage) ratio | 19.0111% | 272 |
| Tier 1 risk-based capital ratio | 26.7464% | 727 |
| Total risk-based capital ratio | 26.7537% | 810 |
| Memoranda: | ||
| Average total assets | $4,439,916,500 | 185 |
| Average earning assets | $2,222,620,500 | 287 |
| Average equity | $873,259,500 | 134 |
| Average total loans | $952,871,000 | 457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1425% | 642 |
| Cost of funding earning assets | 8.7476% | 1 |
| Net interest margin | -2.6052% | 7,657 |
| Noninterest income to average assets | 11.7607% | 57 |
| Noninterest expense to average assets | 7.6021% | 126 |
| Loan and lease loss provision to assets | -0.0067% | 7,572 |
| Net operating income to assets | 3.2668% | 62 |
| Return on assets (ROA) | 3.2668% | 63 |
| Pretax return on assets | 3.1406% | 105 |
| Return on Equity (ROE) | 20.9261% | 205 |
| Retained earnings to average equity (ytd only) | 20.7028% | 53 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1480% | 4,533 |
| Assets per employee ($millions) | 2.3861% | 7,143 |
| Cash dividends to net income (ytd only)* | 1.0670% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0248% | 7,571 |
| Loan loss allowance to noncurrent loans | 0.1641% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 3.9141% | 1,740 |
| Noncurrent loans to loans | 15.1144% | 161 |
| Net loans and leases to total assets | 21.3791% | 7,506 |
| Net loans and leases to deposits | 29.3640% | 7,468 |
| Net loans and leases to core deposits | 115.1777% | 667 |
| Total domestic deposits to total assets | 72.8071% | 7,015 |
| Equity capital to assets | 19.7104% | 272 |
| Core capital (leverage) ratio | 19.0169% | 282 |
| Tier 1 risk-based capital ratio | 24.6255% | 881 |
| Total risk-based capital ratio | 24.6325% | 973 |
| Memoranda: | ||
| Average total assets | $4,587,265,200 | 183 |
| Average earning assets | $1,804,231,200 | 345 |
| Average equity | $716,115,200 | 147 |
| Average total loans | $977,232,600 | 456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4407% | 381 |
| Cost of funding earning assets | 9.3732% | 1 |
| Net interest margin | -2.9325% | 7,760 |
| Noninterest income to average assets | 12.5118% | 54 |
| Noninterest expense to average assets | 7.9128% | 114 |
| Loan and lease loss provision to assets | -0.0091% | 7,673 |
| Net operating income to assets | 3.3497% | 62 |
| Return on assets (ROA) | 3.3497% | 67 |
| Pretax return on assets | 3.5061% | 90 |
| Return on Equity (ROE) | 22.8567% | 164 |
| Retained earnings to average equity (ytd only) | 22.7000% | 50 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2059% | 4,622 |
| Assets per employee ($millions) | 2.3359% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.6856% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0231% | 7,683 |
| Loan loss allowance to noncurrent loans | 0.1175% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 4.9860% | 1,293 |
| Noncurrent loans to loans | 19.6272% | 82 |
| Net loans and leases to total assets | 21.5284% | 7,603 |
| Net loans and leases to deposits | 29.4988% | 7,565 |
| Net loans and leases to core deposits | 123.0764% | 524 |
| Total domestic deposits to total assets | 72.9806% | 7,033 |
| Equity capital to assets | 17.2221% | 496 |
| Core capital (leverage) ratio | 16.9046% | 439 |
| Tier 1 risk-based capital ratio | 18.9549% | 1,762 |
| Total risk-based capital ratio | 18.9605% | 2,075 |
| Memoranda: | ||
| Average total assets | $4,650,192,000 | 175 |
| Average earning assets | $1,747,516,750 | 354 |
| Average equity | $681,505,250 | 149 |
| Average total loans | $989,757,750 | 454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 674 |
| Cost of funding earning assets | 9.3773% | 1 |
| Net interest margin | -3.2178% | 7,829 |
| Noninterest income to average assets | 12.1688% | 57 |
| Noninterest expense to average assets | 8.1723% | 111 |
| Loan and lease loss provision to assets | -0.0129% | 7,744 |
| Net operating income to assets | 2.6210% | 119 |
| Return on assets (ROA) | 2.6210% | 123 |
| Pretax return on assets | 2.7697% | 159 |
| Return on Equity (ROE) | 18.9072% | 392 |
| Retained earnings to average equity (ytd only) | 18.9072% | 106 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8680% | 3,686 |
| Assets per employee ($millions) | 2.3980% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0237% | 7,755 |
| Loan loss allowance to noncurrent loans | 0.1138% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 5.0969% | 1,249 |
| Noncurrent loans to loans | 20.8097% | 74 |
| Net loans and leases to total assets | 20.7545% | 7,677 |
| Net loans and leases to deposits | 28.0428% | 7,663 |
| Net loans and leases to core deposits | 149.8296% | 215 |
| Total domestic deposits to total assets | 74.0101% | 6,968 |
| Equity capital to assets | 14.4835% | 1,017 |
| Core capital (leverage) ratio | 14.1528% | 892 |
| Tier 1 risk-based capital ratio | 18.5914% | 1,807 |
| Total risk-based capital ratio | 18.5979% | 2,115 |
| Memoranda: | ||
| Average total assets | $4,737,188,000 | 174 |
| Average earning assets | $1,825,228,670 | 340 |
| Average equity | $656,702,670 | 154 |
| Average total loans | $1,004,629,330 | 452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1177% | 754 |
| Cost of funding earning assets | 9.6837% | 1 |
| Net interest margin | -3.5660% | 7,933 |
| Noninterest income to average assets | 14.8214% | 49 |
| Noninterest expense to average assets | 8.0695% | 118 |
| Loan and lease loss provision to assets | -0.0257% | 7,848 |
| Net operating income to assets | 5.1541% | 41 |
| Return on assets (ROA) | 5.1541% | 43 |
| Pretax return on assets | 5.3991% | 50 |
| Return on Equity (ROE) | 38.0153% | 42 |
| Retained earnings to average equity (ytd only) | 38.0153% | 33 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2549% | 6,449 |
| Assets per employee ($millions) | 2.3715% | 7,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0228% | 7,854 |
| Loan loss allowance to noncurrent loans | 0.0996% | 7,407 |
| Noncurrent assets plus other real estate owned to assets | 5.7122% | 1,070 |
| Noncurrent loans to loans | 22.8691% | 50 |
| Net loans and leases to total assets | 21.5573% | 7,766 |
| Net loans and leases to deposits | 29.1206% | 7,742 |
| Net loans and leases to core deposits | 203.7749% | 100 |
| Total domestic deposits to total assets | 74.0276% | 7,044 |
| Equity capital to assets | 14.4606% | 1,019 |
| Core capital (leverage) ratio | 14.1103% | 934 |
| Tier 1 risk-based capital ratio | 16.2557% | 2,538 |
| Total risk-based capital ratio | 16.2614% | 3,071 |
| Memoranda: | ||
| Average total assets | $4,766,513,500 | 176 |
| Average earning assets | $1,842,641,000 | 346 |
| Average equity | $646,245,000 | 156 |
| Average total loans | $1,021,325,000 | 464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7248% | 100 |
| Cost of funding earning assets | 8.1052% | 2 |
| Net interest margin | -0.3804% | 8,009 |
| Noninterest income to average assets | -1.4355% | 7,997 |
| Noninterest expense to average assets | 8.0749% | 144 |
| Loan and lease loss provision to assets | -0.1267% | 7,991 |
| Net operating income to assets | -6.9351% | 7,891 |
| Return on assets (ROA) | -6.9564% | 7,889 |
| Pretax return on assets | -9.5992% | 7,964 |
| Return on Equity (ROE) | -71.6399% | 7,818 |
| Retained earnings to average equity (ytd only) | -71.6399% | 7,815 |
| Net charge-offs to loans | 0.1106% | 6,049 |
| Credit loss provision to net charge-offs | -344.3000% | 7,413 |
| Earnings coverage of net charge-offs (x) | -263.4365% | 7,235 |
| Efficiency ratio | -478.0866% | 8,011 |
| Assets per employee ($millions) | 2.5217% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0564% | 7,925 |
| Loan loss allowance to noncurrent loans | 0.2225% | 7,441 |
| Noncurrent assets plus other real estate owned to assets | 6.2492% | 887 |
| Noncurrent loans to loans | 25.3536% | 34 |
| Net loans and leases to total assets | 21.2847% | 7,850 |
| Net loans and leases to deposits | 28.4189% | 7,832 |
| Net loans and leases to core deposits | 29.8139% | 7,864 |
| Total domestic deposits to total assets | 74.8964% | 6,881 |
| Equity capital to assets | 12.6871% | 1,652 |
| Core capital (leverage) ratio | 12.3107% | 1,523 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,261 |
| Total risk-based capital ratio | 14.4191% | 3,983 |
| Memoranda: | ||
| Average total assets | $5,433,719,400 | 159 |
| Average earning assets | $2,655,774,200 | 250 |
| Average equity | $527,629,000 | 176 |
| Average total loans | $1,808,167,000 | 288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5656% | 131 |
| Cost of funding earning assets | 8.0073% | 1 |
| Net interest margin | -0.4417% | 8,096 |
| Noninterest income to average assets | -3.0751% | 8,092 |
| Noninterest expense to average assets | 6.6458% | 231 |
| Loan and lease loss provision to assets | -0.1291% | 8,073 |
| Net operating income to assets | -9.8235% | 8,043 |
| Return on assets (ROA) | -9.8619% | 8,044 |
| Pretax return on assets | -9.8548% | 8,040 |
| Return on Equity (ROE) | -108.8138% | 8,026 |
| Retained earnings to average equity (ytd only) | -108.8138% | 8,025 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -201.0922% | 8,088 |
| Assets per employee ($millions) | 2.6393% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2632% | 7,932 |
| Loan loss allowance to noncurrent loans | 1.5680% | 7,522 |
| Noncurrent assets plus other real estate owned to assets | 6.3154% | 818 |
| Noncurrent loans to loans | 16.7836% | 109 |
| Net loans and leases to total assets | 32.1833% | 7,742 |
| Net loans and leases to deposits | 42.0520% | 7,675 |
| Net loans and leases to core deposits | 43.0622% | 7,810 |
| Total domestic deposits to total assets | 76.5322% | 6,463 |
| Equity capital to assets | 9.3315% | 4,981 |
| Core capital (leverage) ratio | 9.3884% | 4,064 |
| Tier 1 risk-based capital ratio | 9.5219% | 7,360 |
| Total risk-based capital ratio | 9.6087% | 7,769 |
| Memoranda: | ||
| Average total assets | $5,579,232,500 | 167 |
| Average earning assets | $2,834,761,000 | 245 |
| Average equity | $505,652,250 | 186 |
| Average total loans | $2,001,897,000 | 271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4882% | 158 |
| Cost of funding earning assets | 7.5400% | 2 |
| Net interest margin | -0.0518% | 8,184 |
| Noninterest income to average assets | -5.1781% | 8,193 |
| Noninterest expense to average assets | 6.6474% | 255 |
| Loan and lease loss provision to assets | -0.1843% | 8,173 |
| Net operating income to assets | -11.6790% | 8,147 |
| Return on assets (ROA) | -11.7330% | 8,140 |
| Pretax return on assets | -11.7227% | 8,133 |
| Return on Equity (ROE) | -130.5119% | 8,112 |
| Retained earnings to average equity (ytd only) | -130.5119% | 8,110 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -127.4020% | 8,180 |
| Assets per employee ($millions) | 3.0214% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2712% | 8,010 |
| Loan loss allowance to noncurrent loans | 1.7755% | 7,560 |
| Noncurrent assets plus other real estate owned to assets | 5.9323% | 820 |
| Noncurrent loans to loans | 15.2742% | 127 |
| Net loans and leases to total assets | 33.5783% | 7,790 |
| Net loans and leases to deposits | 40.8684% | 7,794 |
| Net loans and leases to core deposits | 40.9689% | 7,922 |
| Total domestic deposits to total assets | 82.1620% | 4,624 |
| Equity capital to assets | 9.6660% | 4,402 |
| Core capital (leverage) ratio | 9.6474% | 3,706 |
| Tier 1 risk-based capital ratio | 9.9290% | 7,008 |
| Total risk-based capital ratio | 10.0237% | 7,836 |
| Memoranda: | ||
| Average total assets | $5,845,709,670 | 167 |
| Average earning assets | $3,106,451,330 | 241 |
| Average equity | $525,527,670 | 184 |
| Average total loans | $2,155,076,670 | 266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2749% | 74 |
| Cost of funding earning assets | 7.1003% | 2 |
| Net interest margin | 1.1745% | 8,134 |
| Noninterest income to average assets | -13.6888% | 8,246 |
| Noninterest expense to average assets | 4.0905% | 1,075 |
| Loan and lease loss provision to assets | -0.1305% | 8,210 |
| Net operating income to assets | -16.9880% | 8,215 |
| Return on assets (ROA) | -16.9880% | 8,208 |
| Pretax return on assets | -16.9880% | 8,206 |
| Return on Equity (ROE) | -195.3913% | 8,196 |
| Retained earnings to average equity (ytd only) | -195.3913% | 8,195 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -31.1728% | 8,226 |
| Assets per employee ($millions) | 3.3735% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 7,874 |
| Loan loss allowance to noncurrent loans | 3.2944% | 7,565 |
| Noncurrent assets plus other real estate owned to assets | 5.6227% | 745 |
| Noncurrent loans to loans | 14.0355% | 123 |
| Net loans and leases to total assets | 34.8013% | 7,775 |
| Net loans and leases to deposits | 42.5681% | 7,768 |
| Net loans and leases to core deposits | 42.6683% | 7,930 |
| Total domestic deposits to total assets | 81.7543% | 4,655 |
| Equity capital to assets | 10.4345% | 3,525 |
| Core capital (leverage) ratio | 10.4441% | 2,989 |
| Tier 1 risk-based capital ratio | 10.1054% | 6,807 |
| Total risk-based capital ratio | 10.2630% | 7,815 |
| Memoranda: | ||
| Average total assets | $6,100,653,500 | 164 |
| Average earning assets | $3,431,893,000 | 227 |
| Average equity | $530,412,500 | 179 |
| Average total loans | $2,334,339,500 | 247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3553% | 120 |
| Cost of funding earning assets | 3.6216% | 353 |
| Net interest margin | 4.7337% | 901 |
| Noninterest income to average assets | -3.5846% | 8,301 |
| Noninterest expense to average assets | 12.9006% | 94 |
| Loan and lease loss provision to assets | 0.2164% | 4,718 |
| Net operating income to assets | -14.1407% | 8,283 |
| Return on assets (ROA) | -14.1491% | 8,282 |
| Pretax return on assets | -13.1105% | 8,273 |
| Return on Equity (ROE) | -102.9975% | 8,279 |
| Retained earnings to average equity (ytd only) | -137.4541% | 8,291 |
| Net charge-offs to loans | -0.0007% | 7,719 |
| Credit loss provision to net charge-offs | -48,644.6809% | 7,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72,439.2607% | 1 |
| Assets per employee ($millions) | 4.0710% | 3,367 |
| Cash dividends to net income (ytd only)* | -33.4538% | 8,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,323 |
| Loan loss allowance to noncurrent loans | 10.3338% | 7,501 |
| Noncurrent assets plus other real estate owned to assets | 3.9361% | 1,057 |
| Noncurrent loans to loans | 9.3113% | 241 |
| Net loans and leases to total assets | 40.7502% | 7,638 |
| Net loans and leases to deposits | 49.2764% | 7,662 |
| Net loans and leases to core deposits | 49.3756% | 7,899 |
| Total domestic deposits to total assets | 82.6972% | 3,896 |
| Equity capital to assets | 7.1748% | 7,641 |
| Core capital (leverage) ratio | 7.4773% | 7,232 |
| Tier 1 risk-based capital ratio | 5.6428% | 8,245 |
| Total risk-based capital ratio | 5.9425% | 8,267 |
| Memoranda: | ||
| Average total assets | $10,563,224,600 | 108 |
| Average earning assets | $8,032,219,200 | 118 |
| Average equity | $1,451,101,400 | 79 |
| Average total loans | $6,514,784,400 | 114 |