Home > Bank of Alpena > Performance and Condition Ratios
Bank of Alpena, Performance and Condition Ratios
| 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 | 3.9248% | 4,039 |
| Cost of funding earning assets | 0.1865% | 6,027 |
| Net interest margin | 3.7384% | 2,804 |
| Noninterest income to average assets | 0.4301% | 4,025 |
| Noninterest expense to average assets | 3.2767% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4593% | 4,977 |
| Return on assets (ROA) | 0.4612% | 5,036 |
| Pretax return on assets | 0.6735% | 4,725 |
| Return on Equity (ROE) | 4.6819% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.6819% | 3,164 |
| Net charge-offs to loans | 0.7215% | 532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.7556% | 3,718 |
| Efficiency ratio | 83.0108% | 1,628 |
| Assets per employee ($millions) | 3.4523% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 1,538 |
| Loan loss allowance to noncurrent loans | 38.5194% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.7011% | 984 |
| Noncurrent loans to loans | 4.9771% | 399 |
| Net loans and leases to total assets | 49.3483% | 5,032 |
| Net loans and leases to deposits | 55.2335% | 5,263 |
| Net loans and leases to core deposits | 56.8518% | 5,360 |
| Total domestic deposits to total assets | 89.3448% | 1,187 |
| Equity capital to assets | 10.3279% | 3,652 |
| Core capital (leverage) ratio | 10.2839% | 3,229 |
| Tier 1 risk-based capital ratio | 21.0758% | 1,435 |
| Total risk-based capital ratio | 22.3349% | 1,407 |
| Memoranda: | ||
| Average total assets | $70,680,000 | 5,369 |
| Average earning assets | $66,499,670 | 5,309 |
| Average equity | $6,963,000 | 5,500 |
| Average total loans | $37,423,000 | 5,356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 4,709 |
| Cost of funding earning assets | 0.1965% | 6,031 |
| Net interest margin | 3.5423% | 3,511 |
| Noninterest income to average assets | 0.5035% | 3,383 |
| Noninterest expense to average assets | 3.2896% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3766% | 5,200 |
| Return on assets (ROA) | 0.3804% | 5,263 |
| Pretax return on assets | 0.5483% | 5,014 |
| Return on Equity (ROE) | 3.9541% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.9541% | 3,740 |
| Net charge-offs to loans | 0.4437% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2558% | 2,920 |
| Efficiency ratio | 85.8394% | 1,474 |
| Assets per employee ($millions) | 3.1738% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 1,528 |
| Loan loss allowance to noncurrent loans | 30.9543% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 3.9170% | 620 |
| Noncurrent loans to loans | 6.4359% | 259 |
| Net loans and leases to total assets | 53.4781% | 4,493 |
| Net loans and leases to deposits | 59.4880% | 4,808 |
| Net loans and leases to core deposits | 60.9483% | 4,961 |
| Total domestic deposits to total assets | 89.8973% | 1,128 |
| Equity capital to assets | 9.9580% | 3,893 |
| Core capital (leverage) ratio | 9.8597% | 3,776 |
| Tier 1 risk-based capital ratio | 18.8969% | 1,993 |
| Total risk-based capital ratio | 20.1565% | 1,956 |
| Memoranda: | ||
| Average total assets | $71,497,000 | 5,397 |
| Average earning assets | $67,187,500 | 5,347 |
| Average equity | $6,879,000 | 5,549 |
| Average total loans | $38,765,000 | 5,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,962 |
| Cost of funding earning assets | 0.2652% | 5,869 |
| Net interest margin | 3.4898% | 3,948 |
| Noninterest income to average assets | 0.3382% | 4,902 |
| Noninterest expense to average assets | 3.2780% | 2,199 |
| Loan and lease loss provision to assets | 0.0806% | 3,499 |
| Net operating income to assets | 0.1765% | 5,880 |
| Return on assets (ROA) | 0.1784% | 5,942 |
| Pretax return on assets | 0.2510% | 5,844 |
| Return on Equity (ROE) | 1.9547% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.9547% | 4,842 |
| Net charge-offs to loans | 0.2328% | 2,590 |
| Credit loss provision to net charge-offs | 64.8936% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.6489% | 4,110 |
| Efficiency ratio | 90.8791% | 962 |
| Assets per employee ($millions) | 2.9268% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 1,488 |
| Loan loss allowance to noncurrent loans | 28.2540% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 4.2613% | 603 |
| Noncurrent loans to loans | 7.1898% | 228 |
| Net loans and leases to total assets | 52.7941% | 4,751 |
| Net loans and leases to deposits | 58.3958% | 5,089 |
| Net loans and leases to core deposits | 59.7525% | 5,237 |
| Total domestic deposits to total assets | 90.4074% | 872 |
| Equity capital to assets | 9.3001% | 4,694 |
| Core capital (leverage) ratio | 9.6769% | 4,016 |
| Tier 1 risk-based capital ratio | 18.1314% | 2,210 |
| Total risk-based capital ratio | 19.3917% | 2,165 |
| Memoranda: | ||
| Average total assets | $75,685,400 | 5,334 |
| Average earning assets | $70,892,200 | 5,286 |
| Average equity | $6,906,400 | 5,595 |
| Average total loans | $40,374,000 | 5,332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,956 |
| Cost of funding earning assets | 0.2725% | 5,943 |
| Net interest margin | 3.4993% | 3,889 |
| Noninterest income to average assets | 0.3250% | 5,082 |
| Noninterest expense to average assets | 3.2724% | 2,138 |
| Loan and lease loss provision to assets | 0.0891% | 3,277 |
| Net operating income to assets | 0.1683% | 5,991 |
| Return on assets (ROA) | 0.1695% | 6,059 |
| Pretax return on assets | 0.2411% | 5,978 |
| Return on Equity (ROE) | 1.8658% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.8658% | 5,199 |
| Net charge-offs to loans | 0.3250% | 1,916 |
| Credit loss provision to net charge-offs | 51.5152% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.8989% | 4,193 |
| Efficiency ratio | 90.8782% | 927 |
| Assets per employee ($millions) | 2.9493% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 1,800 |
| Loan loss allowance to noncurrent loans | 27.4250% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 4.5231% | 666 |
| Noncurrent loans to loans | 7.1772% | 287 |
| Net loans and leases to total assets | 53.0923% | 4,736 |
| Net loans and leases to deposits | 58.6861% | 5,112 |
| Net loans and leases to core deposits | 60.0353% | 5,300 |
| Total domestic deposits to total assets | 90.4682% | 752 |
| Equity capital to assets | 9.2402% | 4,879 |
| Core capital (leverage) ratio | 9.4337% | 4,500 |
| Tier 1 risk-based capital ratio | 17.7924% | 2,407 |
| Total risk-based capital ratio | 19.0531% | 2,368 |
| Memoranda: | ||
| Average total assets | $76,314,000 | 5,372 |
| Average earning assets | $71,441,750 | 5,319 |
| Average equity | $6,931,750 | 5,658 |
| Average total loans | $40,609,750 | 5,370 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 4,852 |
| Cost of funding earning assets | 0.2853% | 5,940 |
| Net interest margin | 3.5072% | 3,754 |
| Noninterest income to average assets | 0.2980% | 5,321 |
| Noninterest expense to average assets | 3.2783% | 2,137 |
| Loan and lease loss provision to assets | 0.0777% | 3,506 |
| Net operating income to assets | 0.1563% | 6,012 |
| Return on assets (ROA) | 0.1581% | 6,116 |
| Pretax return on assets | 0.2255% | 6,040 |
| Return on Equity (ROE) | 1.7500% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.7500% | 5,141 |
| Net charge-offs to loans | 0.3918% | 1,648 |
| Credit loss provision to net charge-offs | 37.5000% | 3,461 |
| Earnings coverage of net charge-offs (x) | 1.4500% | 4,053 |
| Efficiency ratio | 91.6003% | 923 |
| Assets per employee ($millions) | 2.9098% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,034 |
| Loan loss allowance to noncurrent loans | 24.6309% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 5.0203% | 613 |
| Noncurrent loans to loans | 7.8183% | 268 |
| Net loans and leases to total assets | 54.8884% | 4,466 |
| Net loans and leases to deposits | 60.6421% | 4,902 |
| Net loans and leases to core deposits | 62.4412% | 5,059 |
| Total domestic deposits to total assets | 90.5119% | 751 |
| Equity capital to assets | 9.2997% | 4,859 |
| Core capital (leverage) ratio | 9.7468% | 3,868 |
| Tier 1 risk-based capital ratio | 17.4673% | 2,525 |
| Total risk-based capital ratio | 18.7261% | 2,492 |
| Memoranda: | ||
| Average total assets | $77,174,670 | 5,388 |
| Average earning assets | $72,194,670 | 5,328 |
| Average equity | $6,971,330 | 5,691 |
| Average total loans | $40,835,670 | 5,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 5,301 |
| Cost of funding earning assets | 0.3020% | 5,950 |
| Net interest margin | 3.3492% | 4,319 |
| Noninterest income to average assets | 0.4383% | 4,191 |
| Noninterest expense to average assets | 3.1742% | 2,435 |
| Loan and lease loss provision to assets | 0.1008% | 2,995 |
| Net operating income to assets | 0.2015% | 5,883 |
| Return on assets (ROA) | 0.2015% | 5,993 |
| Pretax return on assets | 0.2922% | 5,871 |
| Return on Equity (ROE) | 2.2616% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.2616% | 4,886 |
| Net charge-offs to loans | -0.0489% | 6,131 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9831% | 1,230 |
| Assets per employee ($millions) | 2.8842% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,732 |
| Loan loss allowance to noncurrent loans | 26.7268% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 5.2646% | 667 |
| Noncurrent loans to loans | 7.9661% | 331 |
| Net loans and leases to total assets | 54.7640% | 4,280 |
| Net loans and leases to deposits | 60.8428% | 4,702 |
| Net loans and leases to core deposits | 62.5239% | 4,901 |
| Total domestic deposits to total assets | 90.0089% | 1,044 |
| Equity capital to assets | 9.8289% | 4,383 |
| Core capital (leverage) ratio | 9.5889% | 3,946 |
| Tier 1 risk-based capital ratio | 17.7679% | 2,460 |
| Total risk-based capital ratio | 19.0293% | 2,416 |
| Memoranda: | ||
| Average total assets | $79,390,000 | 5,383 |
| Average earning assets | $74,168,000 | 5,316 |
| Average equity | $7,074,500 | 5,724 |
| Average total loans | $40,897,500 | 5,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 4,280 |
| Cost of funding earning assets | 0.4068% | 5,872 |
| Net interest margin | 3.8716% | 2,937 |
| Noninterest income to average assets | -0.1800% | 6,949 |
| Noninterest expense to average assets | 3.3936% | 2,062 |
| Loan and lease loss provision to assets | 0.0416% | 5,335 |
| Net operating income to assets | -0.0376% | 6,222 |
| Return on assets (ROA) | 0.1034% | 6,147 |
| Pretax return on assets | 0.1383% | 6,087 |
| Return on Equity (ROE) | 1.0916% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.0916% | 5,326 |
| Net charge-offs to loans | 0.3581% | 2,840 |
| Credit loss provision to net charge-offs | 21.2329% | 5,271 |
| Earnings coverage of net charge-offs (x) | -0.0411% | 5,506 |
| Efficiency ratio | 100.2380% | 556 |
| Assets per employee ($millions) | 3.6115% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 1,987 |
| Loan loss allowance to noncurrent loans | 43.6649% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8739% | 1,658 |
| Noncurrent loans to loans | 4.6081% | 916 |
| Net loans and leases to total assets | 46.8584% | 5,525 |
| Net loans and leases to deposits | 51.1344% | 5,875 |
| Net loans and leases to core deposits | 52.4504% | 5,984 |
| Total domestic deposits to total assets | 91.6378% | 311 |
| Equity capital to assets | 8.1476% | 6,323 |
| Core capital (leverage) ratio | 9.5977% | 3,967 |
| Tier 1 risk-based capital ratio | 16.7934% | 2,748 |
| Total risk-based capital ratio | 18.0531% | 2,708 |
| Memoranda: | ||
| Average total assets | $74,463,400 | 5,495 |
| Average earning assets | $68,576,400 | 5,478 |
| Average equity | $7,053,800 | 5,748 |
| Average total loans | $40,771,200 | 5,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 3,660 |
| Cost of funding earning assets | 0.4334% | 5,912 |
| Net interest margin | 4.0610% | 2,250 |
| Noninterest income to average assets | 0.3473% | 5,039 |
| Noninterest expense to average assets | 4.0871% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0086% | 6,295 |
| Return on assets (ROA) | 0.1587% | 6,166 |
| Pretax return on assets | 0.2483% | 6,050 |
| Return on Equity (ROE) | 1.6071% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.6071% | 5,531 |
| Net charge-offs to loans | 0.5221% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.0440% | 5,348 |
| Efficiency ratio | 100.3208% | 521 |
| Assets per employee ($millions) | 3.0322% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 2,364 |
| Loan loss allowance to noncurrent loans | 48.2001% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 4.1966% | 1,134 |
| Noncurrent loans to loans | 4.0214% | 1,268 |
| Net loans and leases to total assets | 54.9201% | 4,602 |
| Net loans and leases to deposits | 60.9876% | 5,085 |
| Net loans and leases to core deposits | 63.2970% | 5,231 |
| Total domestic deposits to total assets | 90.0513% | 824 |
| Equity capital to assets | 9.6918% | 4,934 |
| Core capital (leverage) ratio | 9.3115% | 4,565 |
| Tier 1 risk-based capital ratio | 16.8952% | 2,784 |
| Total risk-based capital ratio | 18.1548% | 2,743 |
| Memoranda: | ||
| Average total assets | $71,410,250 | 5,654 |
| Average earning assets | $65,532,000 | 5,628 |
| Average equity | $7,051,750 | 5,815 |
| Average total loans | $40,601,750 | 5,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 3,558 |
| Cost of funding earning assets | 0.4434% | 6,009 |
| Net interest margin | 4.1077% | 2,059 |
| Noninterest income to average assets | 0.4256% | 4,463 |
| Noninterest expense to average assets | 4.0617% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0761% | 6,215 |
| Return on assets (ROA) | 0.0761% | 6,353 |
| Pretax return on assets | 0.1240% | 6,275 |
| Return on Equity (ROE) | 0.7658% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.7658% | 5,758 |
| Net charge-offs to loans | 0.3995% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5432% | 4,799 |
| Efficiency ratio | 97.0370% | 655 |
| Assets per employee ($millions) | 3.0078% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 1,954 |
| Loan loss allowance to noncurrent loans | 46.9189% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 4.9551% | 969 |
| Noncurrent loans to loans | 4.5141% | 1,172 |
| Net loans and leases to total assets | 55.5702% | 4,532 |
| Net loans and leases to deposits | 61.8181% | 5,022 |
| Net loans and leases to core deposits | 64.2302% | 5,191 |
| Total domestic deposits to total assets | 89.8931% | 985 |
| Equity capital to assets | 9.8147% | 4,602 |
| Core capital (leverage) ratio | 9.2602% | 4,515 |
| Tier 1 risk-based capital ratio | 17.0267% | 2,649 |
| Total risk-based capital ratio | 18.2872% | 2,609 |
| Memoranda: | ||
| Average total assets | $70,956,000 | 5,703 |
| Average earning assets | $64,950,670 | 5,675 |
| Average equity | $7,051,330 | 5,835 |
| Average total loans | $40,550,000 | 5,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 3,427 |
| Cost of funding earning assets | 0.4548% | 6,117 |
| Net interest margin | 4.1620% | 1,887 |
| Noninterest income to average assets | 0.4436% | 4,338 |
| Noninterest expense to average assets | 4.0546% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1194% | 6,195 |
| Return on assets (ROA) | 0.1194% | 6,325 |
| Pretax return on assets | 0.1877% | 6,221 |
| Return on Equity (ROE) | 1.1941% | 6,310 |
| Retained earnings to average equity (ytd only) | 1.1941% | 5,612 |
| Net charge-offs to loans | 0.0694% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,512 |
| Efficiency ratio | 95.5764% | 742 |
| Assets per employee ($millions) | 3.0702% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3338% | 1,620 |
| Loan loss allowance to noncurrent loans | 57.0563% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 5.1505% | 995 |
| Noncurrent loans to loans | 4.0903% | 1,484 |
| Net loans and leases to total assets | 55.8275% | 4,418 |
| Net loans and leases to deposits | 62.1671% | 4,885 |
| Net loans and leases to core deposits | 64.9253% | 5,022 |
| Total domestic deposits to total assets | 89.8023% | 1,191 |
| Equity capital to assets | 9.9669% | 4,165 |
| Core capital (leverage) ratio | 9.6590% | 3,830 |
| Tier 1 risk-based capital ratio | 17.0586% | 2,662 |
| Total risk-based capital ratio | 18.3227% | 2,616 |
| Memoranda: | ||
| Average total assets | $70,340,000 | 5,757 |
| Average earning assets | $64,199,500 | 5,749 |
| Average equity | $7,034,500 | 5,862 |
| Average total loans | $40,333,500 | 5,626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 2,556 |
| Cost of funding earning assets | 0.5708% | 6,237 |
| Net interest margin | 4.5031% | 1,121 |
| Noninterest income to average assets | 0.3361% | 5,126 |
| Noninterest expense to average assets | 3.9658% | 1,089 |
| Loan and lease loss provision to assets | 0.0851% | 5,540 |
| Net operating income to assets | 0.2633% | 5,392 |
| Return on assets (ROA) | 0.2755% | 5,502 |
| Pretax return on assets | 0.3881% | 5,328 |
| Return on Equity (ROE) | 2.7776% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.7776% | 4,258 |
| Net charge-offs to loans | 0.7303% | 2,328 |
| Credit loss provision to net charge-offs | 18.7898% | 5,931 |
| Earnings coverage of net charge-offs (x) | 1.0064% | 5,035 |
| Efficiency ratio | 89.6900% | 1,216 |
| Assets per employee ($millions) | 3.0463% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3547% | 1,533 |
| Loan loss allowance to noncurrent loans | 55.3999% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 5.5790% | 911 |
| Noncurrent loans to loans | 4.2503% | 1,441 |
| Net loans and leases to total assets | 56.1670% | 4,671 |
| Net loans and leases to deposits | 62.6287% | 5,162 |
| Net loans and leases to core deposits | 63.9258% | 5,471 |
| Total domestic deposits to total assets | 89.6826% | 1,164 |
| Equity capital to assets | 10.0348% | 4,124 |
| Core capital (leverage) ratio | 9.6118% | 3,850 |
| Tier 1 risk-based capital ratio | 17.2028% | 2,511 |
| Total risk-based capital ratio | 18.4671% | 2,468 |
| Memoranda: | ||
| Average total assets | $69,317,600 | 5,762 |
| Average earning assets | $62,890,400 | 5,774 |
| Average equity | $6,876,400 | 5,899 |
| Average total loans | $42,996,600 | 5,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 2,369 |
| Cost of funding earning assets | 0.6002% | 6,287 |
| Net interest margin | 4.5545% | 1,031 |
| Noninterest income to average assets | 0.3182% | 5,322 |
| Noninterest expense to average assets | 4.0656% | 936 |
| Loan and lease loss provision to assets | 0.1138% | 5,000 |
| Net operating income to assets | 0.1863% | 5,737 |
| Return on assets (ROA) | 0.2025% | 5,825 |
| Pretax return on assets | 0.2893% | 5,723 |
| Return on Equity (ROE) | 2.0475% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.0475% | 5,112 |
| Net charge-offs to loans | 0.7633% | 2,038 |
| Credit loss provision to net charge-offs | 23.6000% | 5,514 |
| Earnings coverage of net charge-offs (x) | 0.7880% | 5,025 |
| Efficiency ratio | 91.4534% | 1,077 |
| Assets per employee ($millions) | 3.0422% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4491% | 1,469 |
| Loan loss allowance to noncurrent loans | 55.2345% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 5.9010% | 915 |
| Noncurrent loans to loans | 4.4340% | 1,456 |
| Net loans and leases to total assets | 57.6653% | 4,557 |
| Net loans and leases to deposits | 64.3730% | 5,119 |
| Net loans and leases to core deposits | 66.6926% | 5,343 |
| Total domestic deposits to total assets | 89.5800% | 1,103 |
| Equity capital to assets | 9.9641% | 4,390 |
| Core capital (leverage) ratio | 9.4692% | 4,202 |
| Tier 1 risk-based capital ratio | 16.3799% | 2,922 |
| Total risk-based capital ratio | 17.6456% | 2,880 |
| Memoranda: | ||
| Average total assets | $69,130,500 | 5,807 |
| Average earning assets | $62,647,250 | 5,817 |
| Average equity | $6,837,750 | 5,951 |
| Average total loans | $43,670,000 | 5,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 2,418 |
| Cost of funding earning assets | 0.6418% | 6,263 |
| Net interest margin | 4.5183% | 1,092 |
| Noninterest income to average assets | 0.2672% | 5,741 |
| Noninterest expense to average assets | 4.1888% | 846 |
| Loan and lease loss provision to assets | 0.1714% | 4,217 |
| Net operating income to assets | 0.0058% | 6,211 |
| Return on assets (ROA) | 0.0378% | 6,231 |
| Pretax return on assets | 0.0290% | 6,226 |
| Return on Equity (ROE) | 0.3827% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.3827% | 5,689 |
| Net charge-offs to loans | 1.1476% | 1,363 |
| Credit loss provision to net charge-offs | 23.1373% | 5,090 |
| Earnings coverage of net charge-offs (x) | 0.2275% | 5,137 |
| Efficiency ratio | 96.1333% | 873 |
| Assets per employee ($millions) | 2.9066% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 1,616 |
| Loan loss allowance to noncurrent loans | 50.5517% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 6.4680% | 827 |
| Noncurrent loans to loans | 4.7182% | 1,393 |
| Net loans and leases to total assets | 59.1379% | 4,436 |
| Net loans and leases to deposits | 65.8168% | 5,024 |
| Net loans and leases to core deposits | 68.2313% | 5,273 |
| Total domestic deposits to total assets | 89.8522% | 1,047 |
| Equity capital to assets | 9.7937% | 4,394 |
| Core capital (leverage) ratio | 9.3182% | 4,224 |
| Tier 1 risk-based capital ratio | 15.6913% | 3,134 |
| Total risk-based capital ratio | 16.9568% | 3,099 |
| Memoranda: | ||
| Average total assets | $68,850,330 | 5,858 |
| Average earning assets | $62,324,670 | 5,879 |
| Average equity | $6,793,000 | 5,986 |
| Average total loans | $44,439,330 | 5,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 1,832 |
| Cost of funding earning assets | 0.6526% | 6,372 |
| Net interest margin | 4.6588% | 767 |
| Noninterest income to average assets | 0.3567% | 5,048 |
| Noninterest expense to average assets | 4.5266% | 577 |
| Loan and lease loss provision to assets | 0.3392% | 2,524 |
| Net operating income to assets | -0.1698% | 6,530 |
| Return on assets (ROA) | -0.1287% | 6,505 |
| Pretax return on assets | -0.2281% | 6,561 |
| Return on Equity (ROE) | -1.2992% | 6,524 |
| Retained earnings to average equity (ytd only) | -1.2992% | 6,046 |
| Net charge-offs to loans | 0.9313% | 1,434 |
| Credit loss provision to net charge-offs | 54.7170% | 3,656 |
| Earnings coverage of net charge-offs (x) | 0.0755% | 4,535 |
| Efficiency ratio | 98.9770% | 789 |
| Assets per employee ($millions) | 2.8215% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6191% | 1,289 |
| Loan loss allowance to noncurrent loans | 49.3595% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 6.9172% | 782 |
| Noncurrent loans to loans | 5.3061% | 1,246 |
| Net loans and leases to total assets | 63.4749% | 3,548 |
| Net loans and leases to deposits | 70.7325% | 4,233 |
| Net loans and leases to core deposits | 72.8620% | 4,666 |
| Total domestic deposits to total assets | 89.7393% | 1,328 |
| Equity capital to assets | 9.9653% | 3,822 |
| Core capital (leverage) ratio | 9.4018% | 3,961 |
| Tier 1 risk-based capital ratio | 15.1333% | 3,355 |
| Total risk-based capital ratio | 16.4000% | 3,305 |
| Memoranda: | ||
| Average total assets | $68,396,000 | 5,920 |
| Average earning assets | $61,904,000 | 5,943 |
| Average equity | $6,773,500 | 5,994 |
| Average total loans | $45,528,000 | 5,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 1,908 |
| Cost of funding earning assets | 0.7398% | 6,762 |
| Net interest margin | 4.8559% | 593 |
| Noninterest income to average assets | 0.2173% | 6,253 |
| Noninterest expense to average assets | 3.8329% | 1,422 |
| Loan and lease loss provision to assets | 1.1729% | 1,345 |
| Net operating income to assets | -0.2741% | 6,192 |
| Return on assets (ROA) | -0.2330% | 6,202 |
| Pretax return on assets | -0.4110% | 6,251 |
| Return on Equity (ROE) | -2.5814% | 6,238 |
| Retained earnings to average equity (ytd only) | -2.5814% | 6,055 |
| Net charge-offs to loans | 1.2004% | 1,864 |
| Credit loss provision to net charge-offs | 148.3444% | 2,456 |
| Earnings coverage of net charge-offs (x) | 0.8825% | 5,242 |
| Efficiency ratio | 84.5998% | 1,849 |
| Assets per employee ($millions) | 3.0033% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 1,324 |
| Loan loss allowance to noncurrent loans | 42.3944% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 7.3512% | 721 |
| Noncurrent loans to loans | 6.0531% | 1,029 |
| Net loans and leases to total assets | 66.1783% | 3,432 |
| Net loans and leases to deposits | 73.6847% | 4,247 |
| Net loans and leases to core deposits | 75.8562% | 4,738 |
| Total domestic deposits to total assets | 89.8128% | 1,205 |
| Equity capital to assets | 9.8426% | 3,950 |
| Core capital (leverage) ratio | 9.1633% | 4,239 |
| Tier 1 risk-based capital ratio | 14.3502% | 3,645 |
| Total risk-based capital ratio | 15.6177% | 3,589 |
| Memoranda: | ||
| Average total assets | $76,391,600 | 5,700 |
| Average earning assets | $67,855,600 | 5,741 |
| Average equity | $6,895,600 | 6,071 |
| Average total loans | $50,317,200 | 5,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 2,042 |
| Cost of funding earning assets | 0.7539% | 6,899 |
| Net interest margin | 4.8513% | 604 |
| Noninterest income to average assets | 0.1534% | 6,760 |
| Noninterest expense to average assets | 3.7551% | 1,467 |
| Loan and lease loss provision to assets | 1.2528% | 1,123 |
| Net operating income to assets | -0.3245% | 6,453 |
| Return on assets (ROA) | -0.2710% | 6,451 |
| Pretax return on assets | -0.4824% | 6,536 |
| Return on Equity (ROE) | -3.0635% | 6,494 |
| Retained earnings to average equity (ytd only) | -3.0635% | 6,357 |
| Net charge-offs to loans | 0.9433% | 2,107 |
| Credit loss provision to net charge-offs | 203.0387% | 1,751 |
| Earnings coverage of net charge-offs (x) | 1.1133% | 4,943 |
| Efficiency ratio | 84.5357% | 1,781 |
| Assets per employee ($millions) | 3.0504% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6417% | 1,151 |
| Loan loss allowance to noncurrent loans | 40.6646% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 7.4759% | 702 |
| Noncurrent loans to loans | 6.4963% | 919 |
| Net loans and leases to total assets | 64.6888% | 3,973 |
| Net loans and leases to deposits | 71.5918% | 4,891 |
| Net loans and leases to core deposits | 73.8492% | 5,309 |
| Total domestic deposits to total assets | 90.3577% | 696 |
| Equity capital to assets | 9.3773% | 5,014 |
| Core capital (leverage) ratio | 9.0324% | 4,636 |
| Tier 1 risk-based capital ratio | 13.7275% | 4,034 |
| Total risk-based capital ratio | 14.9950% | 3,980 |
| Memoranda: | ||
| Average total assets | $78,220,250 | 5,709 |
| Average earning assets | $69,148,750 | 5,766 |
| Average equity | $6,919,750 | 6,143 |
| Average total loans | $51,167,000 | 5,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 2,089 |
| Cost of funding earning assets | 0.7867% | 6,958 |
| Net interest margin | 4.8259% | 630 |
| Noninterest income to average assets | 0.0451% | 7,354 |
| Noninterest expense to average assets | 3.8478% | 1,270 |
| Loan and lease loss provision to assets | 1.7474% | 715 |
| Net operating income to assets | -0.8370% | 6,880 |
| Return on assets (ROA) | -0.7585% | 6,856 |
| Pretax return on assets | -1.1891% | 6,969 |
| Return on Equity (ROE) | -8.7345% | 6,919 |
| Retained earnings to average equity (ytd only) | -8.7345% | 6,853 |
| Net charge-offs to loans | 0.9152% | 2,001 |
| Credit loss provision to net charge-offs | 293.2773% | 1,267 |
| Earnings coverage of net charge-offs (x) | 0.7311% | 5,016 |
| Efficiency ratio | 89.8305% | 1,347 |
| Assets per employee ($millions) | 3.2771% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7277% | 1,060 |
| Loan loss allowance to noncurrent loans | 36.7238% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 7.7494% | 648 |
| Noncurrent loans to loans | 7.4276% | 726 |
| Net loans and leases to total assets | 64.9123% | 4,060 |
| Net loans and leases to deposits | 71.4826% | 5,077 |
| Net loans and leases to core deposits | 72.8340% | 5,579 |
| Total domestic deposits to total assets | 90.8085% | 564 |
| Equity capital to assets | 8.9036% | 5,598 |
| Core capital (leverage) ratio | 8.4555% | 5,487 |
| Tier 1 risk-based capital ratio | 13.0919% | 4,366 |
| Total risk-based capital ratio | 14.3615% | 4,307 |
| Memoranda: | ||
| Average total assets | $79,890,670 | 5,704 |
| Average earning assets | $70,162,670 | 5,764 |
| Average equity | $6,938,000 | 6,161 |
| Average total loans | $52,008,330 | 5,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 1,672 |
| Cost of funding earning assets | 0.8256% | 7,015 |
| Net interest margin | 4.9028% | 515 |
| Noninterest income to average assets | 0.3944% | 4,957 |
| Noninterest expense to average assets | 3.6811% | 1,548 |
| Loan and lease loss provision to assets | 0.8229% | 1,539 |
| Net operating income to assets | 0.0945% | 6,039 |
| Return on assets (ROA) | 0.1558% | 5,959 |
| Pretax return on assets | 0.1850% | 5,923 |
| Return on Equity (ROE) | 1.8152% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.8152% | 5,029 |
| Net charge-offs to loans | 1.5663% | 1,109 |
| Credit loss provision to net charge-offs | 81.6425% | 3,837 |
| Earnings coverage of net charge-offs (x) | 0.9275% | 4,219 |
| Efficiency ratio | 79.7468% | 2,604 |
| Assets per employee ($millions) | 2.8189% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 3,029 |
| Loan loss allowance to noncurrent loans | 22.2902% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 8.0437% | 612 |
| Noncurrent loans to loans | 7.6705% | 727 |
| Net loans and leases to total assets | 66.0158% | 3,845 |
| Net loans and leases to deposits | 73.2078% | 4,870 |
| Net loans and leases to core deposits | 77.5646% | 5,077 |
| Total domestic deposits to total assets | 90.1759% | 903 |
| Equity capital to assets | 9.2709% | 4,879 |
| Core capital (leverage) ratio | 8.5644% | 5,265 |
| Tier 1 risk-based capital ratio | 13.2575% | 4,161 |
| Total risk-based capital ratio | 14.5132% | 4,101 |
| Memoranda: | ||
| Average total assets | $82,149,000 | 5,699 |
| Average earning assets | $70,735,500 | 5,823 |
| Average equity | $7,051,500 | 6,175 |
| Average total loans | $52,863,000 | 5,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9182% | 2,161 |
| Cost of funding earning assets | 1.2394% | 6,510 |
| Net interest margin | 4.6788% | 871 |
| Noninterest income to average assets | 0.2626% | 6,238 |
| Noninterest expense to average assets | 3.6288% | 2,081 |
| Loan and lease loss provision to assets | 1.2417% | 1,857 |
| Net operating income to assets | -0.2168% | 5,860 |
| Return on assets (ROA) | -0.1615% | 5,786 |
| Pretax return on assets | -0.3415% | 5,871 |
| Return on Equity (ROE) | -1.9283% | 5,848 |
| Retained earnings to average equity (ytd only) | -1.9283% | 5,500 |
| Net charge-offs to loans | 2.0176% | 1,215 |
| Credit loss provision to net charge-offs | 86.7356% | 6,109 |
| Earnings coverage of net charge-offs (x) | 0.5685% | 5,539 |
| Efficiency ratio | 81.6819% | 2,647 |
| Assets per employee ($millions) | 3.1496% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 3,005 |
| Loan loss allowance to noncurrent loans | 18.8274% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 6.3976% | 865 |
| Noncurrent loans to loans | 8.8705% | 525 |
| Net loans and leases to total assets | 60.8874% | 5,207 |
| Net loans and leases to deposits | 66.5535% | 5,994 |
| Net loans and leases to core deposits | 78.8511% | 6,193 |
| Total domestic deposits to total assets | 91.4865% | 383 |
| Equity capital to assets | 7.9908% | 6,593 |
| Core capital (leverage) ratio | 8.1419% | 5,924 |
| Tier 1 risk-based capital ratio | 12.9130% | 4,198 |
| Total risk-based capital ratio | 14.1683% | 4,147 |
| Memoranda: | ||
| Average total assets | $81,101,600 | 5,696 |
| Average earning assets | $72,455,000 | 5,738 |
| Average equity | $6,793,600 | 6,335 |
| Average total loans | $57,543,600 | 5,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9832% | 2,108 |
| Cost of funding earning assets | 1.3353% | 6,449 |
| Net interest margin | 4.6479% | 913 |
| Noninterest income to average assets | 0.2672% | 6,324 |
| Noninterest expense to average assets | 3.7328% | 1,744 |
| Loan and lease loss provision to assets | 1.6084% | 1,175 |
| Net operating income to assets | -0.4958% | 6,419 |
| Return on assets (ROA) | -0.4958% | 6,424 |
| Pretax return on assets | -0.8269% | 6,558 |
| Return on Equity (ROE) | -5.8441% | 6,539 |
| Retained earnings to average equity (ytd only) | -5.8441% | 6,370 |
| Net charge-offs to loans | 1.7365% | 1,165 |
| Credit loss provision to net charge-offs | 126.0870% | 3,990 |
| Earnings coverage of net charge-offs (x) | 0.6126% | 5,417 |
| Efficiency ratio | 82.6880% | 2,481 |
| Assets per employee ($millions) | 2.9754% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2564% | 1,340 |
| Loan loss allowance to noncurrent loans | 25.3203% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 6.5214% | 769 |
| Noncurrent loans to loans | 8.9114% | 506 |
| Net loans and leases to total assets | 65.7760% | 4,474 |
| Net loans and leases to deposits | 72.4458% | 5,585 |
| Net loans and leases to core deposits | 86.6947% | 5,802 |
| Total domestic deposits to total assets | 90.7934% | 485 |
| Equity capital to assets | 7.9222% | 6,923 |
| Core capital (leverage) ratio | 7.3888% | 7,090 |
| Tier 1 risk-based capital ratio | 11.5228% | 5,407 |
| Total risk-based capital ratio | 12.7798% | 5,357 |
| Memoranda: | ||
| Average total assets | $79,329,750 | 5,791 |
| Average earning assets | $72,490,500 | 5,770 |
| Average equity | $6,730,250 | 6,414 |
| Average total loans | $58,277,500 | 5,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1690% | 1,562 |
| Cost of funding earning assets | 1.4206% | 6,413 |
| Net interest margin | 4.7484% | 733 |
| Noninterest income to average assets | 0.2461% | 6,525 |
| Noninterest expense to average assets | 3.9127% | 1,461 |
| Loan and lease loss provision to assets | 0.7410% | 2,213 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | -0.0795% | 5,973 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.1220% | 4,943 |
| Credit loss provision to net charge-offs | 802.7778% | 590 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,482 |
| Efficiency ratio | 85.5381% | 2,277 |
| Assets per employee ($millions) | 2.8192% | 6,579 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3148% | 1,085 |
| Loan loss allowance to noncurrent loans | 26.0569% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 7.1126% | 588 |
| Noncurrent loans to loans | 8.8837% | 449 |
| Net loans and leases to total assets | 73.1259% | 2,930 |
| Net loans and leases to deposits | 80.8618% | 4,411 |
| Net loans and leases to core deposits | 99.0445% | 4,595 |
| Total domestic deposits to total assets | 90.4333% | 654 |
| Equity capital to assets | 8.9112% | 5,437 |
| Core capital (leverage) ratio | 8.6441% | 5,189 |
| Tier 1 risk-based capital ratio | 12.4339% | 4,570 |
| Total risk-based capital ratio | 13.6997% | 4,484 |
| Memoranda: | ||
| Average total assets | $78,003,000 | 5,865 |
| Average earning assets | $71,097,330 | 5,850 |
| Average equity | $6,773,670 | 6,447 |
| Average total loans | $59,015,670 | 5,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2866% | 1,336 |
| Cost of funding earning assets | 1.4844% | 6,454 |
| Net interest margin | 4.8022% | 606 |
| Noninterest income to average assets | 0.2989% | 6,043 |
| Noninterest expense to average assets | 3.8913% | 1,319 |
| Loan and lease loss provision to assets | 1.1502% | 1,135 |
| Net operating income to assets | -0.1773% | 6,519 |
| Return on assets (ROA) | -0.1773% | 6,612 |
| Pretax return on assets | -0.3496% | 6,710 |
| Return on Equity (ROE) | -2.0683% | 6,667 |
| Retained earnings to average equity (ytd only) | -2.0683% | 6,116 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9374% | 2,418 |
| Assets per employee ($millions) | 2.6536% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,081 |
| Loan loss allowance to noncurrent loans | 30.1281% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 6.1622% | 637 |
| Noncurrent loans to loans | 7.3058% | 526 |
| Net loans and leases to total assets | 74.7144% | 2,573 |
| Net loans and leases to deposits | 82.4171% | 4,219 |
| Net loans and leases to core deposits | 99.2594% | 4,616 |
| Total domestic deposits to total assets | 90.6540% | 538 |
| Equity capital to assets | 8.7742% | 5,660 |
| Core capital (leverage) ratio | 8.3324% | 5,842 |
| Tier 1 risk-based capital ratio | 11.9932% | 4,971 |
| Total risk-based capital ratio | 13.2571% | 4,843 |
| Memoranda: | ||
| Average total assets | $78,945,500 | 5,860 |
| Average earning assets | $72,217,000 | 5,838 |
| Average equity | $6,769,000 | 6,495 |
| Average total loans | $60,033,000 | 5,356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6294% | 2,349 |
| Cost of funding earning assets | 2.0769% | 6,144 |
| Net interest margin | 4.5525% | 1,307 |
| Noninterest income to average assets | 0.3232% | 6,138 |
| Noninterest expense to average assets | 3.1073% | 3,669 |
| Loan and lease loss provision to assets | 0.9106% | 1,637 |
| Net operating income to assets | 0.3383% | 5,405 |
| Return on assets (ROA) | 0.3383% | 5,225 |
| Pretax return on assets | 0.4194% | 5,207 |
| Return on Equity (ROE) | 4.4499% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.4499% | 2,358 |
| Net charge-offs to loans | 1.1490% | 1,053 |
| Credit loss provision to net charge-offs | 112.1255% | 4,811 |
| Earnings coverage of net charge-offs (x) | 1.6377% | 5,268 |
| Efficiency ratio | 70.0261% | 4,346 |
| Assets per employee ($millions) | 2.7910% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 1,800 |
| Loan loss allowance to noncurrent loans | 39.6577% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 3.8733% | 1,084 |
| Noncurrent loans to loans | 4.3866% | 1,089 |
| Net loans and leases to total assets | 74.3915% | 3,015 |
| Net loans and leases to deposits | 81.6664% | 4,771 |
| Net loans and leases to core deposits | 95.5442% | 5,294 |
| Total domestic deposits to total assets | 91.0919% | 304 |
| Equity capital to assets | 8.3842% | 6,286 |
| Core capital (leverage) ratio | 7.5432% | 7,150 |
| Tier 1 risk-based capital ratio | 11.6434% | 5,108 |
| Total risk-based capital ratio | 12.8991% | 4,995 |
| Memoranda: | ||
| Average total assets | $86,314,000 | 5,472 |
| Average earning assets | $78,001,400 | 5,504 |
| Average equity | $6,562,000 | 6,617 |
| Average total loans | $61,011,000 | 5,219 |