Home > Bank of Belton > Performance and Condition Ratios
Bank of Belton, 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 | 2.7476% | 6,368 |
| Cost of funding earning assets | 0.1571% | 6,221 |
| Net interest margin | 2.5904% | 6,182 |
| Noninterest income to average assets | 0.5131% | 3,388 |
| Noninterest expense to average assets | 3.9533% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1601% | 6,548 |
| Return on assets (ROA) | -1.1423% | 6,543 |
| Pretax return on assets | -1.1423% | 6,529 |
| Return on Equity (ROE) | -25.8804% | 6,597 |
| Retained earnings to average equity (ytd only) | -25.8804% | 6,568 |
| Net charge-offs to loans | -0.0751% | 6,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.5335% | 64 |
| Assets per employee ($millions) | 2.6965% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4807% | 734 |
| Loan loss allowance to noncurrent loans | 42.4746% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 7.7727% | 145 |
| Noncurrent loans to loans | 5.8405% | 281 |
| Net loans and leases to total assets | 39.4481% | 5,865 |
| Net loans and leases to deposits | 41.2477% | 6,103 |
| Net loans and leases to core deposits | 41.2477% | 6,180 |
| Total domestic deposits to total assets | 95.6370% | 22 |
| Equity capital to assets | 4.0685% | 6,610 |
| Core capital (leverage) ratio | 3.2693% | 6,630 |
| Tier 1 risk-based capital ratio | 6.3165% | 6,608 |
| Total risk-based capital ratio | 7.5781% | 6,607 |
| Memoranda: | ||
| Average total assets | $44,823,330 | 6,036 |
| Average earning assets | $39,453,330 | 6,061 |
| Average equity | $1,978,330 | 6,538 |
| Average total loans | $18,649,670 | 6,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7501% | 6,429 |
| Cost of funding earning assets | 0.1642% | 6,272 |
| Net interest margin | 2.5859% | 6,256 |
| Noninterest income to average assets | 0.5506% | 3,044 |
| Noninterest expense to average assets | 3.9806% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1554% | 6,595 |
| Return on assets (ROA) | -1.1554% | 6,591 |
| Pretax return on assets | -1.1554% | 6,582 |
| Return on Equity (ROE) | -25.1597% | 6,647 |
| Retained earnings to average equity (ytd only) | -25.1597% | 6,584 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.8946% | 86 |
| Assets per employee ($millions) | 2.5419% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4170% | 893 |
| Loan loss allowance to noncurrent loans | 49.5082% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 7.8541% | 174 |
| Noncurrent loans to loans | 4.8821% | 468 |
| Net loans and leases to total assets | 42.3229% | 5,638 |
| Net loans and leases to deposits | 44.4393% | 5,954 |
| Net loans and leases to core deposits | 44.4393% | 6,056 |
| Total domestic deposits to total assets | 95.2375% | 32 |
| Equity capital to assets | 4.5773% | 6,659 |
| Core capital (leverage) ratio | 3.5334% | 6,688 |
| Tier 1 risk-based capital ratio | 6.8914% | 6,657 |
| Total risk-based capital ratio | 8.1504% | 6,657 |
| Memoranda: | ||
| Average total assets | $44,315,000 | 6,108 |
| Average earning assets | $38,980,500 | 6,133 |
| Average equity | $2,035,000 | 6,596 |
| Average total loans | $18,703,000 | 6,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6642% | 6,562 |
| Cost of funding earning assets | 0.2400% | 6,032 |
| Net interest margin | 2.4243% | 6,426 |
| Noninterest income to average assets | 0.5217% | 3,616 |
| Noninterest expense to average assets | 4.2429% | 665 |
| Loan and lease loss provision to assets | 0.3565% | 878 |
| Net operating income to assets | -1.9476% | 6,710 |
| Return on assets (ROA) | -1.9476% | 6,710 |
| Pretax return on assets | -1.9476% | 6,706 |
| Return on Equity (ROE) | -34.8584% | 6,742 |
| Retained earnings to average equity (ytd only) | -34.8584% | 6,739 |
| Net charge-offs to loans | 1.0805% | 523 |
| Credit loss provision to net charge-offs | 77.7251% | 3,102 |
| Earnings coverage of net charge-offs (x) | -3.4692% | 5,363 |
| Efficiency ratio | 160.0000% | 55 |
| Assets per employee ($millions) | 2.6716% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4271% | 899 |
| Loan loss allowance to noncurrent loans | 76.1345% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 6.7882% | 251 |
| Noncurrent loans to loans | 3.1880% | 1,064 |
| Net loans and leases to total assets | 40.0973% | 5,954 |
| Net loans and leases to deposits | 42.1112% | 6,218 |
| Net loans and leases to core deposits | 42.1112% | 6,302 |
| Total domestic deposits to total assets | 95.2176% | 43 |
| Equity capital to assets | 4.6062% | 6,715 |
| Core capital (leverage) ratio | 3.6797% | 6,758 |
| Tier 1 risk-based capital ratio | 7.2349% | 6,723 |
| Total risk-based capital ratio | 8.4939% | 6,722 |
| Memoranda: | ||
| Average total assets | $46,006,000 | 6,122 |
| Average earning assets | $40,424,600 | 6,159 |
| Average equity | $2,570,400 | 6,613 |
| Average total loans | $19,528,400 | 6,226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6600% | 6,641 |
| Cost of funding earning assets | 0.2568% | 6,038 |
| Net interest margin | 2.4032% | 6,513 |
| Noninterest income to average assets | 0.7742% | 2,264 |
| Noninterest expense to average assets | 4.0906% | 777 |
| Loan and lease loss provision to assets | 0.4738% | 589 |
| Net operating income to assets | -1.6813% | 6,779 |
| Return on assets (ROA) | -1.6813% | 6,779 |
| Pretax return on assets | -1.6813% | 6,773 |
| Return on Equity (ROE) | -28.8468% | 6,809 |
| Retained earnings to average equity (ytd only) | -28.8468% | 6,802 |
| Net charge-offs to loans | 1.4383% | 334 |
| Credit loss provision to net charge-offs | 76.9953% | 2,916 |
| Earnings coverage of net charge-offs (x) | -1.9625% | 5,078 |
| Efficiency ratio | 141.8838% | 94 |
| Assets per employee ($millions) | 2.7065% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3408% | 1,120 |
| Loan loss allowance to noncurrent loans | 56.2344% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 7.3723% | 265 |
| Noncurrent loans to loans | 4.1626% | 834 |
| Net loans and leases to total assets | 40.8955% | 5,968 |
| Net loans and leases to deposits | 43.3169% | 6,247 |
| Net loans and leases to core deposits | 43.3169% | 6,333 |
| Total domestic deposits to total assets | 94.4099% | 54 |
| Equity capital to assets | 5.2532% | 6,755 |
| Core capital (leverage) ratio | 4.4214% | 6,809 |
| Tier 1 risk-based capital ratio | 8.6541% | 6,742 |
| Total risk-based capital ratio | 9.9138% | 6,743 |
| Memoranda: | ||
| Average total assets | $46,153,250 | 6,186 |
| Average earning assets | $40,500,000 | 6,223 |
| Average equity | $2,690,000 | 6,666 |
| Average total loans | $19,744,500 | 6,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 6,695 |
| Cost of funding earning assets | 0.2717% | 6,037 |
| Net interest margin | 2.3563% | 6,587 |
| Noninterest income to average assets | 0.9004% | 1,810 |
| Noninterest expense to average assets | 4.2034% | 690 |
| Loan and lease loss provision to assets | 0.7099% | 324 |
| Net operating income to assets | -1.9480% | 6,845 |
| Return on assets (ROA) | -1.9480% | 6,847 |
| Pretax return on assets | -1.9480% | 6,838 |
| Return on Equity (ROE) | -32.3625% | 6,869 |
| Retained earnings to average equity (ytd only) | -32.3625% | 6,857 |
| Net charge-offs to loans | 2.1001% | 209 |
| Credit loss provision to net charge-offs | 78.4689% | 2,661 |
| Earnings coverage of net charge-offs (x) | -1.3684% | 4,736 |
| Efficiency ratio | 141.7518% | 95 |
| Assets per employee ($millions) | 2.6944% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,154 |
| Loan loss allowance to noncurrent loans | 45.6369% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 7.8203% | 272 |
| Noncurrent loans to loans | 5.1752% | 606 |
| Net loans and leases to total assets | 41.0663% | 5,961 |
| Net loans and leases to deposits | 43.6265% | 6,247 |
| Net loans and leases to core deposits | 43.6265% | 6,349 |
| Total domestic deposits to total assets | 94.1315% | 56 |
| Equity capital to assets | 5.5628% | 6,786 |
| Core capital (leverage) ratio | 4.7523% | 6,841 |
| Tier 1 risk-based capital ratio | 9.1759% | 6,747 |
| Total risk-based capital ratio | 10.4332% | 6,744 |
| Memoranda: | ||
| Average total assets | $46,201,000 | 6,227 |
| Average earning assets | $40,487,330 | 6,267 |
| Average equity | $2,781,000 | 6,701 |
| Average total loans | $19,903,670 | 6,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7337% | 6,719 |
| Cost of funding earning assets | 0.2763% | 6,126 |
| Net interest margin | 2.4574% | 6,548 |
| Noninterest income to average assets | 0.5690% | 3,312 |
| Noninterest expense to average assets | 4.5259% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.8104% | 6,909 |
| Return on assets (ROA) | -1.8104% | 6,911 |
| Pretax return on assets | -1.8104% | 6,900 |
| Return on Equity (ROE) | -28.9905% | 6,931 |
| Retained earnings to average equity (ytd only) | -28.9905% | 6,897 |
| Net charge-offs to loans | 0.0791% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -52.5000% | 4,137 |
| Efficiency ratio | 166.6667% | 64 |
| Assets per employee ($millions) | 2.4962% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 1,193 |
| Loan loss allowance to noncurrent loans | 32.7609% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 9.7236% | 208 |
| Noncurrent loans to loans | 7.4471% | 374 |
| Net loans and leases to total assets | 44.1423% | 5,647 |
| Net loans and leases to deposits | 47.1419% | 5,983 |
| Net loans and leases to core deposits | 47.1419% | 6,144 |
| Total domestic deposits to total assets | 93.6371% | 90 |
| Equity capital to assets | 6.2116% | 6,812 |
| Core capital (leverage) ratio | 5.1880% | 6,865 |
| Tier 1 risk-based capital ratio | 9.6691% | 6,739 |
| Total risk-based capital ratio | 10.9282% | 6,720 |
| Memoranda: | ||
| Average total assets | $46,399,500 | 6,281 |
| Average earning assets | $40,530,500 | 6,324 |
| Average equity | $2,897,500 | 6,745 |
| Average total loans | $20,223,000 | 6,346 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 6,700 |
| Cost of funding earning assets | 0.3522% | 6,198 |
| Net interest margin | 2.7825% | 6,405 |
| Noninterest income to average assets | 3.1066% | 242 |
| Noninterest expense to average assets | 5.4312% | 281 |
| Loan and lease loss provision to assets | 0.4435% | 1,426 |
| Net operating income to assets | -0.3814% | 6,507 |
| Return on assets (ROA) | -0.3814% | 6,549 |
| Pretax return on assets | -0.3814% | 6,518 |
| Return on Equity (ROE) | -5.9156% | 6,625 |
| Retained earnings to average equity (ytd only) | -5.9156% | 6,479 |
| Net charge-offs to loans | 0.9299% | 1,205 |
| Credit loss provision to net charge-offs | 102.9851% | 2,916 |
| Earnings coverage of net charge-offs (x) | 0.1443% | 5,420 |
| Efficiency ratio | 98.8690% | 598 |
| Assets per employee ($millions) | 2.6593% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 1,142 |
| Loan loss allowance to noncurrent loans | 31.9081% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 9.2632% | 255 |
| Noncurrent loans to loans | 7.7898% | 383 |
| Net loans and leases to total assets | 40.9802% | 6,100 |
| Net loans and leases to deposits | 43.7545% | 6,381 |
| Net loans and leases to core deposits | 43.7545% | 6,478 |
| Total domestic deposits to total assets | 93.6595% | 83 |
| Equity capital to assets | 6.2757% | 6,871 |
| Core capital (leverage) ratio | 5.6937% | 6,883 |
| Tier 1 risk-based capital ratio | 9.3217% | 6,822 |
| Total risk-based capital ratio | 10.5802% | 6,819 |
| Memoranda: | ||
| Average total assets | $46,674,400 | 6,307 |
| Average earning assets | $40,036,600 | 6,362 |
| Average equity | $3,009,000 | 6,781 |
| Average total loans | $21,614,400 | 6,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2569% | 6,756 |
| Cost of funding earning assets | 0.3634% | 6,314 |
| Net interest margin | 2.8935% | 6,369 |
| Noninterest income to average assets | 4.0968% | 181 |
| Noninterest expense to average assets | 5.9425% | 216 |
| Loan and lease loss provision to assets | 0.5951% | 937 |
| Net operating income to assets | 0.0316% | 6,237 |
| Return on assets (ROA) | 0.0316% | 6,369 |
| Pretax return on assets | 0.0316% | 6,363 |
| Return on Equity (ROE) | 0.4873% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.4873% | 5,943 |
| Net charge-offs to loans | 1.4370% | 618 |
| Credit loss provision to net charge-offs | 87.3418% | 3,388 |
| Earnings coverage of net charge-offs (x) | 0.9198% | 4,865 |
| Efficiency ratio | 90.4595% | 1,004 |
| Assets per employee ($millions) | 2.5439% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,645 |
| Loan loss allowance to noncurrent loans | 31.1409% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 10.0197% | 243 |
| Noncurrent loans to loans | 7.1679% | 502 |
| Net loans and leases to total assets | 44.3831% | 5,936 |
| Net loans and leases to deposits | 47.8053% | 6,271 |
| Net loans and leases to core deposits | 47.8053% | 6,431 |
| Total domestic deposits to total assets | 92.8412% | 126 |
| Equity capital to assets | 6.9775% | 6,887 |
| Core capital (leverage) ratio | 6.3267% | 6,912 |
| Tier 1 risk-based capital ratio | 10.8862% | 6,520 |
| Total risk-based capital ratio | 12.1415% | 6,508 |
| Memoranda: | ||
| Average total assets | $46,376,250 | 6,387 |
| Average earning assets | $39,628,000 | 6,449 |
| Average equity | $3,010,250 | 6,867 |
| Average total loans | $21,989,000 | 6,423 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 6,799 |
| Cost of funding earning assets | 0.3687% | 6,423 |
| Net interest margin | 2.9544% | 6,328 |
| Noninterest income to average assets | 2.6840% | 275 |
| Noninterest expense to average assets | 6.3687% | 188 |
| Loan and lease loss provision to assets | 0.8932% | 525 |
| Net operating income to assets | -2.2202% | 7,094 |
| Return on assets (ROA) | -2.2202% | 7,104 |
| Pretax return on assets | -2.0656% | 7,075 |
| Return on Equity (ROE) | -35.0667% | 7,131 |
| Retained earnings to average equity (ytd only) | -35.0667% | 7,124 |
| Net charge-offs to loans | 2.1081% | 378 |
| Credit loss provision to net charge-offs | 88.1356% | 3,100 |
| Earnings coverage of net charge-offs (x) | -1.1568% | 5,322 |
| Efficiency ratio | 122.5620% | 211 |
| Assets per employee ($millions) | 1.7558% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,945 |
| Loan loss allowance to noncurrent loans | 25.8458% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 10.7577% | 226 |
| Noncurrent loans to loans | 8.2126% | 408 |
| Net loans and leases to total assets | 47.0702% | 5,715 |
| Net loans and leases to deposits | 50.2220% | 6,167 |
| Net loans and leases to core deposits | 50.2220% | 6,331 |
| Total domestic deposits to total assets | 93.7241% | 88 |
| Equity capital to assets | 5.8159% | 7,040 |
| Core capital (leverage) ratio | 4.9364% | 7,077 |
| Tier 1 risk-based capital ratio | 8.1220% | 7,035 |
| Total risk-based capital ratio | 9.3772% | 7,036 |
| Memoranda: | ||
| Average total assets | $46,571,670 | 6,422 |
| Average earning assets | $39,601,670 | 6,492 |
| Average equity | $2,948,670 | 6,923 |
| Average total loans | $22,389,670 | 6,444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 6,821 |
| Cost of funding earning assets | 0.3811% | 6,500 |
| Net interest margin | 3.0085% | 6,279 |
| Noninterest income to average assets | 3.1468% | 225 |
| Noninterest expense to average assets | 6.9059% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.4458% | 7,078 |
| Return on assets (ROA) | -1.4458% | 7,087 |
| Pretax return on assets | -1.2077% | 7,023 |
| Return on Equity (ROE) | -21.9674% | 7,125 |
| Retained earnings to average equity (ytd only) | -21.9674% | 7,070 |
| Net charge-offs to loans | -0.0354% | 6,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1940% | 209 |
| Assets per employee ($millions) | 1.6129% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 1,870 |
| Loan loss allowance to noncurrent loans | 29.3491% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 10.3581% | 274 |
| Noncurrent loans to loans | 7.5148% | 558 |
| Net loans and leases to total assets | 47.0187% | 5,681 |
| Net loans and leases to deposits | 50.4392% | 6,104 |
| Net loans and leases to core deposits | 50.4392% | 6,309 |
| Total domestic deposits to total assets | 93.2186% | 128 |
| Equity capital to assets | 6.4308% | 7,029 |
| Core capital (leverage) ratio | 5.4823% | 7,081 |
| Tier 1 risk-based capital ratio | 9.2265% | 7,004 |
| Total risk-based capital ratio | 10.4838% | 7,005 |
| Memoranda: | ||
| Average total assets | $47,032,000 | 6,459 |
| Average earning assets | $39,886,500 | 6,531 |
| Average equity | $3,095,500 | 6,936 |
| Average total loans | $22,607,500 | 6,482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 6,896 |
| Cost of funding earning assets | 0.4647% | 6,677 |
| Net interest margin | 3.1813% | 6,153 |
| Noninterest income to average assets | 2.7183% | 234 |
| Noninterest expense to average assets | 6.1707% | 193 |
| Loan and lease loss provision to assets | 0.0925% | 5,439 |
| Net operating income to assets | -0.9191% | 6,708 |
| Return on assets (ROA) | -0.9191% | 6,735 |
| Pretax return on assets | -0.7999% | 6,644 |
| Return on Equity (ROE) | -12.8804% | 6,831 |
| Retained earnings to average equity (ytd only) | -12.8804% | 6,805 |
| Net charge-offs to loans | 0.5148% | 2,930 |
| Credit loss provision to net charge-offs | 34.0909% | 5,726 |
| Earnings coverage of net charge-offs (x) | -2.6061% | 6,306 |
| Efficiency ratio | 112.9469% | 383 |
| Assets per employee ($millions) | 1.6307% | 7,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1737% | 1,852 |
| Loan loss allowance to noncurrent loans | 24.0389% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 10.9899% | 267 |
| Noncurrent loans to loans | 9.0425% | 388 |
| Net loans and leases to total assets | 47.0130% | 5,919 |
| Net loans and leases to deposits | 50.5480% | 6,322 |
| Net loans and leases to core deposits | 50.5480% | 6,500 |
| Total domestic deposits to total assets | 93.0068% | 134 |
| Equity capital to assets | 6.7310% | 7,019 |
| Core capital (leverage) ratio | 4.9719% | 7,148 |
| Tier 1 risk-based capital ratio | 8.0959% | 7,104 |
| Total risk-based capital ratio | 9.3521% | 7,107 |
| Memoranda: | ||
| Average total assets | $48,633,000 | 6,404 |
| Average earning assets | $41,964,400 | 6,465 |
| Average equity | $3,470,400 | 6,886 |
| Average total loans | $25,643,200 | 6,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 6,918 |
| Cost of funding earning assets | 0.4686% | 6,824 |
| Net interest margin | 3.2521% | 6,009 |
| Noninterest income to average assets | 2.7364% | 241 |
| Noninterest expense to average assets | 6.0472% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6072% | 6,702 |
| Return on assets (ROA) | -0.6072% | 6,742 |
| Pretax return on assets | -0.4955% | 6,615 |
| Return on Equity (ROE) | -8.3938% | 6,833 |
| Retained earnings to average equity (ytd only) | -8.3938% | 6,785 |
| Net charge-offs to loans | 0.5864% | 2,497 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.5690% | 5,991 |
| Efficiency ratio | 108.9259% | 451 |
| Assets per employee ($millions) | 1.6972% | 7,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,656 |
| Loan loss allowance to noncurrent loans | 25.9342% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 9.9900% | 357 |
| Noncurrent loans to loans | 7.2750% | 663 |
| Net loans and leases to total assets | 49.1294% | 5,820 |
| Net loans and leases to deposits | 52.9356% | 6,299 |
| Net loans and leases to core deposits | 52.9356% | 6,512 |
| Total domestic deposits to total assets | 92.8097% | 145 |
| Equity capital to assets | 6.9303% | 7,068 |
| Core capital (leverage) ratio | 5.0539% | 7,237 |
| Tier 1 risk-based capital ratio | 8.1970% | 7,176 |
| Total risk-based capital ratio | 9.4489% | 7,179 |
| Memoranda: | ||
| Average total assets | $48,969,000 | 6,453 |
| Average earning assets | $42,392,250 | 6,501 |
| Average equity | $3,542,250 | 6,925 |
| Average total loans | $26,372,500 | 6,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 6,908 |
| Cost of funding earning assets | 0.4763% | 6,926 |
| Net interest margin | 3.3341% | 5,758 |
| Noninterest income to average assets | 2.7861% | 238 |
| Noninterest expense to average assets | 6.0754% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.5073% | 6,695 |
| Return on assets (ROA) | -0.5073% | 6,721 |
| Pretax return on assets | -0.3968% | 6,590 |
| Return on Equity (ROE) | -6.9158% | 6,822 |
| Retained earnings to average equity (ytd only) | -6.9158% | 6,715 |
| Net charge-offs to loans | 0.2004% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.5926% | 5,775 |
| Efficiency ratio | 106.9885% | 536 |
| Assets per employee ($millions) | 1.7961% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 2,049 |
| Loan loss allowance to noncurrent loans | 19.0969% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 9.6635% | 418 |
| Noncurrent loans to loans | 11.1689% | 308 |
| Net loans and leases to total assets | 47.1763% | 6,132 |
| Net loans and leases to deposits | 50.5991% | 6,561 |
| Net loans and leases to core deposits | 50.5991% | 6,735 |
| Total domestic deposits to total assets | 93.2353% | 120 |
| Equity capital to assets | 6.5215% | 7,182 |
| Core capital (leverage) ratio | 5.2331% | 7,282 |
| Tier 1 risk-based capital ratio | 8.3845% | 7,223 |
| Total risk-based capital ratio | 9.6417% | 7,226 |
| Memoranda: | ||
| Average total assets | $48,885,670 | 6,514 |
| Average earning assets | $42,410,670 | 6,563 |
| Average equity | $3,586,000 | 6,960 |
| Average total loans | $26,948,000 | 6,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 6,186 |
| Cost of funding earning assets | 0.4997% | 6,970 |
| Net interest margin | 3.7376% | 3,902 |
| Noninterest income to average assets | 3.3975% | 187 |
| Noninterest expense to average assets | 6.7260% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2846% | 6,645 |
| Return on assets (ROA) | -0.2846% | 6,661 |
| Pretax return on assets | -0.1035% | 6,454 |
| Return on Equity (ROE) | -3.6444% | 6,717 |
| Retained earnings to average equity (ytd only) | -3.6444% | 6,376 |
| Net charge-offs to loans | 0.3499% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 4,793 |
| Efficiency ratio | 101.5625% | 691 |
| Assets per employee ($millions) | 1.5306% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 2,188 |
| Loan loss allowance to noncurrent loans | 18.3344% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 11.2940% | 314 |
| Noncurrent loans to loans | 11.4473% | 315 |
| Net loans and leases to total assets | 56.5835% | 4,895 |
| Net loans and leases to deposits | 61.5965% | 5,559 |
| Net loans and leases to core deposits | 61.5965% | 5,965 |
| Total domestic deposits to total assets | 91.8616% | 326 |
| Equity capital to assets | 7.8510% | 6,632 |
| Core capital (leverage) ratio | 6.0382% | 7,242 |
| Tier 1 risk-based capital ratio | 8.9205% | 7,227 |
| Total risk-based capital ratio | 10.1780% | 7,231 |
| Memoranda: | ||
| Average total assets | $46,387,000 | 6,626 |
| Average earning assets | $40,025,500 | 6,687 |
| Average equity | $3,622,000 | 6,979 |
| Average total loans | $27,435,000 | 6,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 6,002 |
| Cost of funding earning assets | 0.6817% | 6,927 |
| Net interest margin | 3.9531% | 3,249 |
| Noninterest income to average assets | 1.8130% | 468 |
| Noninterest expense to average assets | 6.3852% | 195 |
| Loan and lease loss provision to assets | 1.0911% | 1,467 |
| Net operating income to assets | -2.3732% | 7,157 |
| Return on assets (ROA) | -2.3732% | 7,164 |
| Pretax return on assets | -2.2809% | 7,111 |
| Return on Equity (ROE) | -26.2230% | 7,160 |
| Retained earnings to average equity (ytd only) | -26.2230% | 7,143 |
| Net charge-offs to loans | 1.9803% | 1,025 |
| Credit loss provision to net charge-offs | 89.0411% | 5,168 |
| Earnings coverage of net charge-offs (x) | -0.9709% | 6,598 |
| Efficiency ratio | 122.8998% | 381 |
| Assets per employee ($millions) | 1.4199% | 7,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,174 |
| Loan loss allowance to noncurrent loans | 18.2075% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 11.6634% | 300 |
| Noncurrent loans to loans | 11.2633% | 338 |
| Net loans and leases to total assets | 59.2240% | 4,802 |
| Net loans and leases to deposits | 64.3732% | 5,587 |
| Net loans and leases to core deposits | 64.3732% | 6,022 |
| Total domestic deposits to total assets | 92.0010% | 282 |
| Equity capital to assets | 7.7663% | 6,697 |
| Core capital (leverage) ratio | 5.8733% | 7,318 |
| Tier 1 risk-based capital ratio | 8.0569% | 7,344 |
| Total risk-based capital ratio | 9.3418% | 7,348 |
| Memoranda: | ||
| Average total assets | $47,657,000 | 6,610 |
| Average earning assets | $40,778,600 | 6,684 |
| Average equity | $4,313,000 | 6,887 |
| Average total loans | $29,490,800 | 6,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 5,893 |
| Cost of funding earning assets | 0.7244% | 6,994 |
| Net interest margin | 4.0134% | 3,037 |
| Noninterest income to average assets | 2.2344% | 321 |
| Noninterest expense to average assets | 6.4050% | 190 |
| Loan and lease loss provision to assets | 1.4487% | 927 |
| Net operating income to assets | -2.2566% | 7,294 |
| Return on assets (ROA) | -2.2566% | 7,309 |
| Pretax return on assets | -2.1926% | 7,247 |
| Return on Equity (ROE) | -24.0984% | 7,295 |
| Retained earnings to average equity (ytd only) | -24.0984% | 7,285 |
| Net charge-offs to loans | 0.7029% | 2,658 |
| Credit loss provision to net charge-offs | 331.2102% | 958 |
| Earnings coverage of net charge-offs (x) | -1.7006% | 6,522 |
| Efficiency ratio | 113.1398% | 476 |
| Assets per employee ($millions) | 1.4887% | 7,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3472% | 605 |
| Loan loss allowance to noncurrent loans | 58.8785% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 9.2436% | 473 |
| Noncurrent loans to loans | 5.6849% | 1,153 |
| Net loans and leases to total assets | 63.0691% | 4,308 |
| Net loans and leases to deposits | 69.1706% | 5,253 |
| Net loans and leases to core deposits | 69.1706% | 5,828 |
| Total domestic deposits to total assets | 91.1790% | 390 |
| Equity capital to assets | 8.5935% | 6,162 |
| Core capital (leverage) ratio | 6.3797% | 7,363 |
| Tier 1 risk-based capital ratio | 9.4268% | 7,268 |
| Total risk-based capital ratio | 10.6995% | 7,266 |
| Memoranda: | ||
| Average total assets | $47,857,250 | 6,686 |
| Average earning assets | $40,862,000 | 6,763 |
| Average equity | $4,481,500 | 6,913 |
| Average total loans | $29,780,750 | 6,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 6,514 |
| Cost of funding earning assets | 0.7644% | 7,021 |
| Net interest margin | 3.8169% | 3,823 |
| Noninterest income to average assets | 2.7341% | 243 |
| Noninterest expense to average assets | 6.7071% | 168 |
| Loan and lease loss provision to assets | 0.1239% | 5,655 |
| Net operating income to assets | -0.8756% | 6,892 |
| Return on assets (ROA) | -0.8756% | 6,909 |
| Pretax return on assets | -0.8384% | 6,807 |
| Return on Equity (ROE) | -9.1118% | 6,933 |
| Retained earnings to average equity (ytd only) | -9.1118% | 6,875 |
| Net charge-offs to loans | 0.6741% | 2,533 |
| Credit loss provision to net charge-offs | 30.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | -1.7300% | 6,193 |
| Efficiency ratio | 111.9228% | 514 |
| Assets per employee ($millions) | 1.5751% | 7,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,430 |
| Loan loss allowance to noncurrent loans | 33.0270% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 9.4070% | 455 |
| Noncurrent loans to loans | 5.7324% | 1,133 |
| Net loans and leases to total assets | 63.0576% | 4,455 |
| Net loans and leases to deposits | 69.9404% | 5,287 |
| Net loans and leases to core deposits | 69.9404% | 5,875 |
| Total domestic deposits to total assets | 90.1591% | 838 |
| Equity capital to assets | 9.6419% | 4,484 |
| Core capital (leverage) ratio | 7.8075% | 6,484 |
| Tier 1 risk-based capital ratio | 10.6740% | 6,549 |
| Total risk-based capital ratio | 11.9309% | 6,538 |
| Memoranda: | ||
| Average total assets | $48,426,000 | 6,717 |
| Average earning assets | $41,342,000 | 6,799 |
| Average equity | $4,653,330 | 6,889 |
| Average total loans | $29,669,330 | 6,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 6,665 |
| Cost of funding earning assets | 0.8023% | 7,080 |
| Net interest margin | 3.7538% | 3,990 |
| Noninterest income to average assets | 2.8156% | 225 |
| Noninterest expense to average assets | 6.5289% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6610% | 6,935 |
| Return on assets (ROA) | -0.6610% | 6,964 |
| Pretax return on assets | -0.5060% | 6,788 |
| Return on Equity (ROE) | -6.8907% | 6,983 |
| Retained earnings to average equity (ytd only) | -6.8907% | 6,726 |
| Net charge-offs to loans | 0.7367% | 2,030 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.1481% | 5,403 |
| Efficiency ratio | 108.4011% | 635 |
| Assets per employee ($millions) | 1.4187% | 7,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 2,295 |
| Loan loss allowance to noncurrent loans | 27.8249% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 9.5570% | 428 |
| Noncurrent loans to loans | 7.0280% | 842 |
| Net loans and leases to total assets | 61.4279% | 4,865 |
| Net loans and leases to deposits | 68.1752% | 5,566 |
| Net loans and leases to core deposits | 68.1752% | 6,081 |
| Total domestic deposits to total assets | 90.1030% | 935 |
| Equity capital to assets | 9.6751% | 4,265 |
| Core capital (leverage) ratio | 7.7545% | 6,563 |
| Tier 1 risk-based capital ratio | 10.7831% | 6,362 |
| Total risk-based capital ratio | 12.0384% | 6,335 |
| Memoranda: | ||
| Average total assets | $49,013,000 | 6,765 |
| Average earning assets | $41,878,000 | 6,862 |
| Average equity | $4,702,000 | 6,946 |
| Average total loans | $29,318,500 | 6,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 6,560 |
| Cost of funding earning assets | 0.9583% | 7,288 |
| Net interest margin | 3.9997% | 2,868 |
| Noninterest income to average assets | 2.1564% | 340 |
| Noninterest expense to average assets | 6.4384% | 256 |
| Loan and lease loss provision to assets | 0.6139% | 3,341 |
| Net operating income to assets | -0.8169% | 6,447 |
| Return on assets (ROA) | -0.6525% | 6,320 |
| Pretax return on assets | -1.1583% | 6,518 |
| Return on Equity (ROE) | -6.7828% | 6,369 |
| Retained earnings to average equity (ytd only) | -6.7828% | 6,219 |
| Net charge-offs to loans | 0.6626% | 3,195 |
| Credit loss provision to net charge-offs | 143.2432% | 3,347 |
| Earnings coverage of net charge-offs (x) | -1.8694% | 6,991 |
| Efficiency ratio | 114.2123% | 706 |
| Assets per employee ($millions) | 1.4225% | 7,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2699% | 1,536 |
| Loan loss allowance to noncurrent loans | 35.1882% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 8.1725% | 536 |
| Noncurrent loans to loans | 6.4508% | 938 |
| Net loans and leases to total assets | 55.7754% | 5,982 |
| Net loans and leases to deposits | 61.7509% | 6,491 |
| Net loans and leases to core deposits | 63.9493% | 7,091 |
| Total domestic deposits to total assets | 90.3232% | 825 |
| Equity capital to assets | 9.5141% | 4,396 |
| Core capital (leverage) ratio | 8.1906% | 5,829 |
| Tier 1 risk-based capital ratio | 12.1797% | 4,788 |
| Total risk-based capital ratio | 13.4396% | 4,741 |
| Memoranda: | ||
| Average total assets | $51,798,200 | 6,643 |
| Average earning assets | $45,078,600 | 6,718 |
| Average equity | $4,983,200 | 6,947 |
| Average total loans | $33,504,600 | 6,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 6,376 |
| Cost of funding earning assets | 0.9902% | 7,411 |
| Net interest margin | 4.0807% | 2,477 |
| Noninterest income to average assets | 2.4473% | 274 |
| Noninterest expense to average assets | 6.5670% | 238 |
| Loan and lease loss provision to assets | 0.5557% | 3,163 |
| Net operating income to assets | -0.4920% | 6,414 |
| Return on assets (ROA) | -0.4920% | 6,418 |
| Pretax return on assets | -1.1141% | 6,769 |
| Return on Equity (ROE) | -5.1009% | 6,463 |
| Retained earnings to average equity (ytd only) | -5.1009% | 6,271 |
| Net charge-offs to loans | 0.0345% | 6,412 |
| Credit loss provision to net charge-offs | 2,422.2222% | 164 |
| Earnings coverage of net charge-offs (x) | -24.3325% | 6,943 |
| Efficiency ratio | 109.2915% | 779 |
| Assets per employee ($millions) | 1.4399% | 8,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 1,418 |
| Loan loss allowance to noncurrent loans | 38.4772% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 8.6541% | 461 |
| Noncurrent loans to loans | 5.7226% | 1,074 |
| Net loans and leases to total assets | 64.9478% | 4,656 |
| Net loans and leases to deposits | 72.2127% | 5,613 |
| Net loans and leases to core deposits | 74.7010% | 6,687 |
| Total domestic deposits to total assets | 89.9396% | 788 |
| Equity capital to assets | 9.6225% | 4,593 |
| Core capital (leverage) ratio | 8.3042% | 5,827 |
| Tier 1 risk-based capital ratio | 11.3483% | 5,590 |
| Total risk-based capital ratio | 12.6086% | 5,519 |
| Memoranda: | ||
| Average total assets | $52,300,500 | 6,667 |
| Average earning assets | $45,645,000 | 6,751 |
| Average equity | $5,044,750 | 6,985 |
| Average total loans | $34,777,000 | 6,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 6,312 |
| Cost of funding earning assets | 1.0106% | 7,535 |
| Net interest margin | 4.1209% | 2,250 |
| Noninterest income to average assets | 2.4021% | 279 |
| Noninterest expense to average assets | 6.6571% | 253 |
| Loan and lease loss provision to assets | 0.8312% | 2,020 |
| Net operating income to assets | -0.9799% | 6,965 |
| Return on assets (ROA) | -0.9799% | 6,964 |
| Pretax return on assets | -1.4794% | 7,080 |
| Return on Equity (ROE) | -10.1507% | 7,047 |
| Retained earnings to average equity (ytd only) | -10.1507% | 6,889 |
| Net charge-offs to loans | 0.0344% | 5,980 |
| Credit loss provision to net charge-offs | 3,633.3333% | 133 |
| Earnings coverage of net charge-offs (x) | -28.3333% | 6,579 |
| Efficiency ratio | 110.7868% | 829 |
| Assets per employee ($millions) | 1.4350% | 8,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 1,329 |
| Loan loss allowance to noncurrent loans | 40.2859% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 8.0954% | 463 |
| Noncurrent loans to loans | 5.3150% | 1,117 |
| Net loans and leases to total assets | 67.3261% | 4,290 |
| Net loans and leases to deposits | 74.7796% | 5,345 |
| Net loans and leases to core deposits | 78.7823% | 6,498 |
| Total domestic deposits to total assets | 90.0327% | 816 |
| Equity capital to assets | 9.5298% | 4,570 |
| Core capital (leverage) ratio | 8.5150% | 5,421 |
| Tier 1 risk-based capital ratio | 12.0757% | 4,851 |
| Total risk-based capital ratio | 13.3100% | 4,780 |
| Memoranda: | ||
| Average total assets | $52,455,000 | 6,725 |
| Average earning assets | $45,912,670 | 6,804 |
| Average equity | $5,063,670 | 7,041 |
| Average total loans | $34,894,330 | 6,462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 7,228 |
| Cost of funding earning assets | 1.0444% | 7,605 |
| Net interest margin | 3.8324% | 3,327 |
| Noninterest income to average assets | 2.6034% | 236 |
| Noninterest expense to average assets | 6.8870% | 208 |
| Loan and lease loss provision to assets | 0.9233% | 1,402 |
| Net operating income to assets | -1.2185% | 7,371 |
| Return on assets (ROA) | -1.2185% | 7,389 |
| Pretax return on assets | -1.8466% | 7,485 |
| Return on Equity (ROE) | -12.5438% | 7,498 |
| Retained earnings to average equity (ytd only) | -12.5438% | 7,294 |
| Net charge-offs to loans | 0.0694% | 4,504 |
| Credit loss provision to net charge-offs | 2,033.3333% | 312 |
| Earnings coverage of net charge-offs (x) | -20.3333% | 5,664 |
| Efficiency ratio | 115.4822% | 703 |
| Assets per employee ($millions) | 1.4407% | 8,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 1,604 |
| Loan loss allowance to noncurrent loans | 39.5363% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 7.6563% | 410 |
| Noncurrent loans to loans | 4.8245% | 1,147 |
| Net loans and leases to total assets | 65.9372% | 4,602 |
| Net loans and leases to deposits | 73.3695% | 5,559 |
| Net loans and leases to core deposits | 77.6174% | 6,561 |
| Total domestic deposits to total assets | 89.8700% | 855 |
| Equity capital to assets | 9.7154% | 4,356 |
| Core capital (leverage) ratio | 8.5684% | 5,396 |
| Tier 1 risk-based capital ratio | 12.4834% | 4,562 |
| Total risk-based capital ratio | 13.7422% | 4,473 |
| Memoranda: | ||
| Average total assets | $52,853,000 | 6,746 |
| Average earning assets | $46,341,500 | 6,826 |
| Average equity | $5,134,000 | 7,069 |
| Average total loans | $34,571,000 | 6,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8780% | 6,148 |
| Cost of funding earning assets | 1.5783% | 7,486 |
| Net interest margin | 4.2997% | 1,975 |
| Noninterest income to average assets | 2.8788% | 210 |
| Noninterest expense to average assets | 6.6996% | 312 |
| Loan and lease loss provision to assets | 0.6732% | 2,162 |
| Net operating income to assets | -0.6152% | 7,016 |
| Return on assets (ROA) | -0.4964% | 6,801 |
| Pretax return on assets | -0.6130% | 6,744 |
| Return on Equity (ROE) | -4.9620% | 6,863 |
| Retained earnings to average equity (ytd only) | -4.9620% | 6,508 |
| Net charge-offs to loans | 2.0180% | 532 |
| Credit loss provision to net charge-offs | 52.5698% | 6,325 |
| Earnings coverage of net charge-offs (x) | -0.0675% | 6,298 |
| Efficiency ratio | 101.3079% | 932 |
| Assets per employee ($millions) | 1.4956% | 8,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,239 |
| Loan loss allowance to noncurrent loans | 22.2989% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 8.3079% | 269 |
| Noncurrent loans to loans | 7.1824% | 410 |
| Net loans and leases to total assets | 62.6467% | 5,518 |
| Net loans and leases to deposits | 69.5615% | 6,322 |
| Net loans and leases to core deposits | 72.2233% | 7,068 |
| Total domestic deposits to total assets | 90.0594% | 627 |
| Equity capital to assets | 9.7121% | 4,409 |
| Core capital (leverage) ratio | 9.0337% | 4,693 |
| Tier 1 risk-based capital ratio | 12.7523% | 4,259 |
| Total risk-based capital ratio | 14.0045% | 4,177 |
| Memoranda: | ||
| Average total assets | $53,182,000 | 6,649 |
| Average earning assets | $46,189,200 | 6,758 |
| Average equity | $5,320,400 | 7,035 |
| Average total loans | $33,746,200 | 6,500 |