Home > Bank of Indiana > Performance and Condition Ratios
Bank of Indiana, Performance and Condition Ratios
| 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 | 3.1466% | 6,260 |
| Cost of funding earning assets | 0.6659% | 2,212 |
| Net interest margin | 2.4806% | 6,440 |
| Noninterest income to average assets | 0.3296% | 5,052 |
| Noninterest expense to average assets | 5.4234% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.8026% | 6,840 |
| Return on assets (ROA) | -2.9177% | 6,847 |
| Pretax return on assets | -2.9177% | 6,841 |
| Return on Equity (ROE) | -38.0639% | 6,845 |
| Retained earnings to average equity (ytd only) | -38.0639% | 6,841 |
| Net charge-offs to loans | 1.4918% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -4.5671% | 5,136 |
| Efficiency ratio | 205.5827% | 29 |
| Assets per employee ($millions) | 3.3958% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7492% | 5 |
| Loan loss allowance to noncurrent loans | 75.9436% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 5.9073% | 414 |
| Noncurrent loans to loans | 15.4710% | 41 |
| Net loans and leases to total assets | 32.4000% | 6,432 |
| Net loans and leases to deposits | 35.0234% | 6,540 |
| Net loans and leases to core deposits | 35.8478% | 6,564 |
| Total domestic deposits to total assets | 92.5096% | 182 |
| Equity capital to assets | 7.0110% | 6,550 |
| Core capital (leverage) ratio | 6.8432% | 6,622 |
| Tier 1 risk-based capital ratio | 17.8500% | 2,379 |
| Total risk-based capital ratio | 19.2197% | 2,301 |
| Memoranda: | ||
| Average total assets | $93,862,250 | 4,939 |
| Average earning assets | $86,695,500 | 4,908 |
| Average equity | $7,194,750 | 5,586 |
| Average total loans | $38,610,500 | 5,454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 6,080 |
| Cost of funding earning assets | 0.6513% | 2,479 |
| Net interest margin | 2.6535% | 6,258 |
| Noninterest income to average assets | 0.7228% | 2,533 |
| Noninterest expense to average assets | 5.6685% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.4470% | 6,874 |
| Return on assets (ROA) | -2.6102% | 6,882 |
| Pretax return on assets | -2.6102% | 6,875 |
| Return on Equity (ROE) | -33.2238% | 6,871 |
| Retained earnings to average equity (ytd only) | -33.2238% | 6,860 |
| Net charge-offs to loans | 2.1416% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.6932% | 4,787 |
| Efficiency ratio | 174.8077% | 44 |
| Assets per employee ($millions) | 3.2373% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6941% | 9 |
| Loan loss allowance to noncurrent loans | 68.8077% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 6.5023% | 389 |
| Noncurrent loans to loans | 15.5420% | 44 |
| Net loans and leases to total assets | 33.6544% | 6,429 |
| Net loans and leases to deposits | 36.5635% | 6,539 |
| Net loans and leases to core deposits | 37.3697% | 6,561 |
| Total domestic deposits to total assets | 92.0437% | 243 |
| Equity capital to assets | 7.5150% | 6,435 |
| Core capital (leverage) ratio | 7.2664% | 6,541 |
| Tier 1 risk-based capital ratio | 19.4000% | 1,883 |
| Total risk-based capital ratio | 20.7644% | 1,827 |
| Memoranda: | ||
| Average total assets | $96,851,330 | 4,889 |
| Average earning assets | $91,202,000 | 4,808 |
| Average equity | $7,609,000 | 5,537 |
| Average total loans | $41,091,330 | 5,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 6,170 |
| Cost of funding earning assets | 0.6706% | 2,475 |
| Net interest margin | 2.6188% | 6,346 |
| Noninterest income to average assets | 1.5687% | 626 |
| Noninterest expense to average assets | 5.5345% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.4967% | 6,883 |
| Return on assets (ROA) | -1.4967% | 6,888 |
| Pretax return on assets | -1.4967% | 6,878 |
| Return on Equity (ROE) | -18.6825% | 6,890 |
| Retained earnings to average equity (ytd only) | -18.6825% | 6,817 |
| Net charge-offs to loans | -0.5925% | 6,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0753% | 121 |
| Assets per employee ($millions) | 3.0265% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8291% | 15 |
| Loan loss allowance to noncurrent loans | 74.6009% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 6.3895% | 477 |
| Noncurrent loans to loans | 13.1756% | 112 |
| Net loans and leases to total assets | 39.3962% | 6,042 |
| Net loans and leases to deposits | 43.2325% | 6,258 |
| Net loans and leases to core deposits | 44.6878% | 6,279 |
| Total domestic deposits to total assets | 91.1262% | 474 |
| Equity capital to assets | 8.0013% | 6,376 |
| Core capital (leverage) ratio | 7.6392% | 6,397 |
| Tier 1 risk-based capital ratio | 20.0073% | 1,767 |
| Total risk-based capital ratio | 21.3726% | 1,709 |
| Memoranda: | ||
| Average total assets | $99,954,500 | 4,870 |
| Average earning assets | $94,241,500 | 4,793 |
| Average equity | $8,007,500 | 5,483 |
| Average total loans | $44,557,500 | 5,279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 4,759 |
| Cost of funding earning assets | 0.7859% | 2,775 |
| Net interest margin | 3.3664% | 5,017 |
| Noninterest income to average assets | 1.0898% | 1,303 |
| Noninterest expense to average assets | 5.3902% | 287 |
| Loan and lease loss provision to assets | 0.3771% | 1,736 |
| Net operating income to assets | -1.5211% | 6,864 |
| Return on assets (ROA) | -1.4873% | 6,863 |
| Pretax return on assets | -1.4873% | 6,842 |
| Return on Equity (ROE) | -16.3287% | 6,842 |
| Retained earnings to average equity (ytd only) | -16.3287% | 6,795 |
| Net charge-offs to loans | 1.7092% | 484 |
| Credit loss provision to net charge-offs | 43.9189% | 4,843 |
| Earnings coverage of net charge-offs (x) | -1.3322% | 5,787 |
| Efficiency ratio | 126.0077% | 171 |
| Assets per employee ($millions) | 3.0312% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7454% | 25 |
| Loan loss allowance to noncurrent loans | 76.8350% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 5.7305% | 634 |
| Noncurrent loans to loans | 11.3820% | 168 |
| Net loans and leases to total assets | 41.4401% | 6,052 |
| Net loans and leases to deposits | 45.5490% | 6,278 |
| Net loans and leases to core deposits | 47.2043% | 6,316 |
| Total domestic deposits to total assets | 90.9792% | 503 |
| Equity capital to assets | 8.0204% | 6,394 |
| Core capital (leverage) ratio | 7.6970% | 6,407 |
| Tier 1 risk-based capital ratio | 18.9823% | 1,961 |
| Total risk-based capital ratio | 20.3378% | 1,908 |
| Memoranda: | ||
| Average total assets | $103,409,800 | 4,751 |
| Average earning assets | $96,957,600 | 4,664 |
| Average equity | $9,419,000 | 5,127 |
| Average total loans | $51,955,000 | 5,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 4,734 |
| Cost of funding earning assets | 0.8110% | 2,855 |
| Net interest margin | 3.4122% | 4,994 |
| Noninterest income to average assets | 1.3527% | 815 |
| Noninterest expense to average assets | 4.8528% | 404 |
| Loan and lease loss provision to assets | -0.1275% | 7,057 |
| Net operating income to assets | -0.1804% | 6,484 |
| Return on assets (ROA) | -0.1443% | 6,530 |
| Pretax return on assets | -0.1443% | 6,512 |
| Return on Equity (ROE) | -1.5383% | 6,532 |
| Retained earnings to average equity (ytd only) | -1.5383% | 6,339 |
| Net charge-offs to loans | 1.0067% | 1,056 |
| Credit loss provision to net charge-offs | -24.6269% | 6,132 |
| Earnings coverage of net charge-offs (x) | -0.5945% | 5,518 |
| Efficiency ratio | 105.8673% | 385 |
| Assets per employee ($millions) | 2.8425% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3614% | 26 |
| Loan loss allowance to noncurrent loans | 69.2685% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 6.2021% | 631 |
| Noncurrent loans to loans | 12.0710% | 168 |
| Net loans and leases to total assets | 42.6303% | 6,076 |
| Net loans and leases to deposits | 47.5366% | 6,286 |
| Net loans and leases to core deposits | 49.1031% | 6,341 |
| Total domestic deposits to total assets | 89.6790% | 1,028 |
| Equity capital to assets | 9.2751% | 5,499 |
| Core capital (leverage) ratio | 8.9153% | 5,169 |
| Tier 1 risk-based capital ratio | 20.7878% | 1,576 |
| Total risk-based capital ratio | 22.1356% | 1,518 |
| Memoranda: | ||
| Average total assets | $103,496,750 | 4,789 |
| Average earning assets | $96,826,500 | 4,717 |
| Average equity | $9,707,250 | 5,099 |
| Average total loans | $53,243,250 | 5,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 4,543 |
| Cost of funding earning assets | 0.8140% | 3,086 |
| Net interest margin | 3.4932% | 4,698 |
| Noninterest income to average assets | 1.0161% | 1,414 |
| Noninterest expense to average assets | 4.8942% | 405 |
| Loan and lease loss provision to assets | -0.1923% | 7,153 |
| Net operating income to assets | -0.4255% | 6,699 |
| Return on assets (ROA) | -0.3711% | 6,712 |
| Pretax return on assets | -0.3711% | 6,681 |
| Return on Equity (ROE) | -3.9417% | 6,721 |
| Retained earnings to average equity (ytd only) | -3.9417% | 6,544 |
| Net charge-offs to loans | 1.2033% | 899 |
| Credit loss provision to net charge-offs | -30.0912% | 5,966 |
| Earnings coverage of net charge-offs (x) | -0.9666% | 5,304 |
| Efficiency ratio | 113.4484% | 286 |
| Assets per employee ($millions) | 2.8751% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0533% | 33 |
| Loan loss allowance to noncurrent loans | 68.6171% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 6.5746% | 624 |
| Noncurrent loans to loans | 11.7366% | 181 |
| Net loans and leases to total assets | 45.9205% | 5,831 |
| Net loans and leases to deposits | 51.6086% | 6,051 |
| Net loans and leases to core deposits | 53.3619% | 6,136 |
| Total domestic deposits to total assets | 88.9783% | 1,515 |
| Equity capital to assets | 9.1455% | 5,532 |
| Core capital (leverage) ratio | 9.3394% | 4,392 |
| Tier 1 risk-based capital ratio | 19.2991% | 1,899 |
| Total risk-based capital ratio | 20.6420% | 1,846 |
| Memoranda: | ||
| Average total assets | $102,937,670 | 4,830 |
| Average earning assets | $96,073,000 | 4,765 |
| Average equity | $9,691,330 | 5,113 |
| Average total loans | $54,682,000 | 5,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 5,167 |
| Cost of funding earning assets | 0.8250% | 3,279 |
| Net interest margin | 3.3585% | 5,269 |
| Noninterest income to average assets | 1.9015% | 446 |
| Noninterest expense to average assets | 4.8746% | 405 |
| Loan and lease loss provision to assets | 0.1091% | 3,990 |
| Net operating income to assets | 0.0429% | 6,349 |
| Return on assets (ROA) | 0.1520% | 6,244 |
| Pretax return on assets | 0.1520% | 6,290 |
| Return on Equity (ROE) | 1.5912% | 6,195 |
| Retained earnings to average equity (ytd only) | 1.5912% | 5,442 |
| Net charge-offs to loans | 0.0071% | 4,639 |
| Credit loss provision to net charge-offs | 2,800.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 763 |
| Efficiency ratio | 96.0465% | 718 |
| Assets per employee ($millions) | 2.6923% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3887% | 25 |
| Loan loss allowance to noncurrent loans | 73.7229% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 8.1953% | 457 |
| Noncurrent loans to loans | 11.3787% | 232 |
| Net loans and leases to total assets | 52.0341% | 5,023 |
| Net loans and leases to deposits | 58.5275% | 5,317 |
| Net loans and leases to core deposits | 61.2701% | 5,407 |
| Total domestic deposits to total assets | 88.9054% | 1,761 |
| Equity capital to assets | 10.0804% | 4,025 |
| Core capital (leverage) ratio | 9.0808% | 4,712 |
| Tier 1 risk-based capital ratio | 18.5991% | 2,114 |
| Total risk-based capital ratio | 19.9469% | 2,049 |
| Memoranda: | ||
| Average total assets | $102,654,000 | 4,876 |
| Average earning assets | $95,519,000 | 4,805 |
| Average equity | $9,804,000 | 5,089 |
| Average total loans | $56,176,500 | 4,974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 4,843 |
| Cost of funding earning assets | 0.8090% | 4,800 |
| Net interest margin | 3.7487% | 4,087 |
| Noninterest income to average assets | 1.9260% | 399 |
| Noninterest expense to average assets | 5.2428% | 315 |
| Loan and lease loss provision to assets | 4.6191% | 31 |
| Net operating income to assets | -4.4379% | 7,279 |
| Return on assets (ROA) | -4.3247% | 7,276 |
| Pretax return on assets | -4.3247% | 7,284 |
| Return on Equity (ROE) | -40.0731% | 7,162 |
| Retained earnings to average equity (ytd only) | -40.0731% | 7,158 |
| Net charge-offs to loans | 4.0654% | 148 |
| Credit loss provision to net charge-offs | 200.0409% | 1,242 |
| Earnings coverage of net charge-offs (x) | 0.0785% | 5,769 |
| Efficiency ratio | 95.6681% | 836 |
| Assets per employee ($millions) | 2.8523% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0118% | 30 |
| Loan loss allowance to noncurrent loans | 74.7476% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 7.2813% | 617 |
| Noncurrent loans to loans | 10.7185% | 277 |
| Net loans and leases to total assets | 48.6331% | 5,764 |
| Net loans and leases to deposits | 53.9132% | 6,079 |
| Net loans and leases to core deposits | 62.6435% | 5,583 |
| Total domestic deposits to total assets | 90.2064% | 877 |
| Equity capital to assets | 9.0767% | 5,450 |
| Core capital (leverage) ratio | 8.9020% | 4,936 |
| Tier 1 risk-based capital ratio | 16.5306% | 2,808 |
| Total risk-based capital ratio | 17.8467% | 2,749 |
| Memoranda: | ||
| Average total assets | $105,973,000 | 4,732 |
| Average earning assets | $98,887,200 | 4,664 |
| Average equity | $11,436,600 | 4,674 |
| Average total loans | $60,191,200 | 4,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 4,862 |
| Cost of funding earning assets | 0.8174% | 5,032 |
| Net interest margin | 3.7834% | 3,955 |
| Noninterest income to average assets | 3.0280% | 215 |
| Noninterest expense to average assets | 4.9184% | 406 |
| Loan and lease loss provision to assets | 3.1292% | 100 |
| Net operating income to assets | -1.4881% | 7,039 |
| Return on assets (ROA) | -1.3413% | 7,018 |
| Pretax return on assets | -1.3413% | 6,978 |
| Return on Equity (ROE) | -11.9404% | 6,947 |
| Retained earnings to average equity (ytd only) | -11.9404% | 6,917 |
| Net charge-offs to loans | 3.6138% | 204 |
| Credit loss provision to net charge-offs | 149.7880% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.7856% | 5,027 |
| Efficiency ratio | 74.1512% | 3,150 |
| Assets per employee ($millions) | 3.0989% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1060% | 165 |
| Loan loss allowance to noncurrent loans | 60.8999% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 7.4382% | 635 |
| Noncurrent loans to loans | 8.3843% | 507 |
| Net loans and leases to total assets | 55.5494% | 4,910 |
| Net loans and leases to deposits | 64.0508% | 5,163 |
| Net loans and leases to core deposits | 76.6923% | 4,098 |
| Total domestic deposits to total assets | 86.7270% | 2,806 |
| Equity capital to assets | 12.5600% | 1,876 |
| Core capital (leverage) ratio | 10.7853% | 2,587 |
| Tier 1 risk-based capital ratio | 20.6230% | 1,534 |
| Total risk-based capital ratio | 21.9214% | 1,496 |
| Memoranda: | ||
| Average total assets | $105,369,500 | 4,779 |
| Average earning assets | $98,358,000 | 4,711 |
| Average equity | $11,836,250 | 4,609 |
| Average total loans | $60,913,250 | 4,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 4,969 |
| Cost of funding earning assets | 0.7796% | 5,515 |
| Net interest margin | 3.8186% | 3,697 |
| Noninterest income to average assets | 3.3024% | 199 |
| Noninterest expense to average assets | 5.0988% | 342 |
| Loan and lease loss provision to assets | 3.5332% | 107 |
| Net operating income to assets | -1.7461% | 7,147 |
| Return on assets (ROA) | -1.5302% | 7,120 |
| Pretax return on assets | -1.5302% | 7,083 |
| Return on Equity (ROE) | -14.1359% | 7,040 |
| Retained earnings to average equity (ytd only) | -14.1359% | 7,008 |
| Net charge-offs to loans | 4.7747% | 144 |
| Credit loss provision to net charge-offs | 128.5037% | 2,377 |
| Earnings coverage of net charge-offs (x) | 0.6500% | 4,812 |
| Efficiency ratio | 73.2630% | 3,506 |
| Assets per employee ($millions) | 3.3322% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1682% | 366 |
| Loan loss allowance to noncurrent loans | 39.7641% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 7.5105% | 642 |
| Noncurrent loans to loans | 10.4824% | 354 |
| Net loans and leases to total assets | 51.9913% | 5,561 |
| Net loans and leases to deposits | 59.7563% | 5,752 |
| Net loans and leases to core deposits | 72.6050% | 4,748 |
| Total domestic deposits to total assets | 87.0055% | 2,733 |
| Equity capital to assets | 9.6651% | 4,583 |
| Core capital (leverage) ratio | 9.6524% | 3,728 |
| Tier 1 risk-based capital ratio | 16.1608% | 2,898 |
| Total risk-based capital ratio | 17.4453% | 2,856 |
| Memoranda: | ||
| Average total assets | $107,438,000 | 4,768 |
| Average earning assets | $100,821,330 | 4,686 |
| Average equity | $11,630,000 | 4,659 |
| Average total loans | $61,868,000 | 4,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 3,844 |
| Cost of funding earning assets | 0.7568% | 5,819 |
| Net interest margin | 4.0892% | 2,308 |
| Noninterest income to average assets | 4.1259% | 158 |
| Noninterest expense to average assets | 5.2129% | 307 |
| Loan and lease loss provision to assets | 0.2182% | 3,471 |
| Net operating income to assets | 2.5414% | 168 |
| Return on assets (ROA) | 2.9854% | 117 |
| Pretax return on assets | 2.9854% | 150 |
| Return on Equity (ROE) | 26.0652% | 144 |
| Retained earnings to average equity (ytd only) | 26.0652% | 90 |
| Net charge-offs to loans | -0.0129% | 6,441 |
| Credit loss provision to net charge-offs | -2,850.0000% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7144% | 5,235 |
| Assets per employee ($millions) | 3.4840% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3806% | 669 |
| Loan loss allowance to noncurrent loans | 35.5448% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 7.0223% | 761 |
| Noncurrent loans to loans | 9.5107% | 441 |
| Net loans and leases to total assets | 56.4500% | 4,921 |
| Net loans and leases to deposits | 68.6209% | 4,591 |
| Net loans and leases to core deposits | 82.3767% | 3,406 |
| Total domestic deposits to total assets | 82.2636% | 5,204 |
| Equity capital to assets | 10.9976% | 2,690 |
| Core capital (leverage) ratio | 11.7773% | 1,690 |
| Tier 1 risk-based capital ratio | 20.0076% | 1,587 |
| Total risk-based capital ratio | 21.2870% | 1,548 |
| Memoranda: | ||
| Average total assets | $104,510,000 | 4,878 |
| Average earning assets | $98,308,000 | 4,784 |
| Average equity | $11,970,000 | 4,552 |
| Average total loans | $62,069,500 | 4,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2356% | 3,431 |
| Cost of funding earning assets | 0.9425% | 5,968 |
| Net interest margin | 4.2931% | 1,841 |
| Noninterest income to average assets | 2.0014% | 394 |
| Noninterest expense to average assets | 5.2991% | 339 |
| Loan and lease loss provision to assets | 0.0984% | 6,161 |
| Net operating income to assets | 0.6410% | 3,483 |
| Return on assets (ROA) | 0.7537% | 3,108 |
| Pretax return on assets | 0.7537% | 3,785 |
| Return on Equity (ROE) | 6.4576% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.4576% | 1,579 |
| Net charge-offs to loans | 1.3720% | 1,631 |
| Credit loss provision to net charge-offs | 10.7229% | 6,610 |
| Earnings coverage of net charge-offs (x) | 0.8060% | 5,325 |
| Efficiency ratio | 86.6581% | 1,605 |
| Assets per employee ($millions) | 3.2511% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6321% | 537 |
| Loan loss allowance to noncurrent loans | 77.7294% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 4.5862% | 1,458 |
| Noncurrent loans to loans | 4.6727% | 1,495 |
| Net loans and leases to total assets | 58.2978% | 4,980 |
| Net loans and leases to deposits | 73.8112% | 4,226 |
| Net loans and leases to core deposits | 91.8948% | 2,515 |
| Total domestic deposits to total assets | 78.9823% | 6,083 |
| Equity capital to assets | 11.9745% | 1,936 |
| Core capital (leverage) ratio | 12.0795% | 1,494 |
| Tier 1 risk-based capital ratio | 19.5924% | 1,576 |
| Total risk-based capital ratio | 20.8714% | 1,535 |
| Memoranda: | ||
| Average total assets | $90,486,400 | 5,275 |
| Average earning assets | $85,090,800 | 5,177 |
| Average equity | $10,561,200 | 4,969 |
| Average total loans | $60,497,800 | 5,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 3,177 |
| Cost of funding earning assets | 1.0029% | 5,926 |
| Net interest margin | 4.3340% | 1,735 |
| Noninterest income to average assets | 1.2428% | 887 |
| Noninterest expense to average assets | 5.1168% | 343 |
| Loan and lease loss provision to assets | 0.0346% | 6,735 |
| Net operating income to assets | 0.1698% | 5,590 |
| Return on assets (ROA) | 0.3231% | 5,241 |
| Pretax return on assets | 0.3231% | 5,439 |
| Return on Equity (ROE) | 2.7880% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.7880% | 4,481 |
| Net charge-offs to loans | 0.2694% | 4,329 |
| Credit loss provision to net charge-offs | 18.6992% | 6,260 |
| Earnings coverage of net charge-offs (x) | 1.1057% | 4,951 |
| Efficiency ratio | 94.8884% | 952 |
| Assets per employee ($millions) | 2.9763% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3325% | 275 |
| Loan loss allowance to noncurrent loans | 138.5075% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 3.6850% | 1,936 |
| Noncurrent loans to loans | 3.1280% | 2,550 |
| Net loans and leases to total assets | 60.7502% | 4,770 |
| Net loans and leases to deposits | 79.0655% | 3,625 |
| Net loans and leases to core deposits | 94.4186% | 2,469 |
| Total domestic deposits to total assets | 76.8354% | 6,518 |
| Equity capital to assets | 11.1954% | 2,777 |
| Core capital (leverage) ratio | 12.5432% | 1,389 |
| Tier 1 risk-based capital ratio | 16.9107% | 2,369 |
| Total risk-based capital ratio | 18.2138% | 2,315 |
| Memoranda: | ||
| Average total assets | $88,725,000 | 5,389 |
| Average earning assets | $83,492,250 | 5,289 |
| Average equity | $10,281,750 | 5,112 |
| Average total loans | $60,871,750 | 5,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 2,789 |
| Cost of funding earning assets | 1.1016% | 5,660 |
| Net interest margin | 4.3410% | 1,633 |
| Noninterest income to average assets | 1.1210% | 1,042 |
| Noninterest expense to average assets | 5.6191% | 258 |
| Loan and lease loss provision to assets | 0.0544% | 6,413 |
| Net operating income to assets | -0.4706% | 6,620 |
| Return on assets (ROA) | -0.4706% | 6,661 |
| Pretax return on assets | -0.4706% | 6,563 |
| Return on Equity (ROE) | -4.0070% | 6,620 |
| Retained earnings to average equity (ytd only) | -4.0070% | 6,440 |
| Net charge-offs to loans | 0.2109% | 4,348 |
| Credit loss provision to net charge-offs | 36.5079% | 5,654 |
| Earnings coverage of net charge-offs (x) | -2.7937% | 6,250 |
| Efficiency ratio | 106.5909% | 617 |
| Assets per employee ($millions) | 2.2670% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6669% | 230 |
| Loan loss allowance to noncurrent loans | 101.3899% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 4.3093% | 1,549 |
| Noncurrent loans to loans | 4.6029% | 1,565 |
| Net loans and leases to total assets | 65.7324% | 3,886 |
| Net loans and leases to deposits | 81.6305% | 3,325 |
| Net loans and leases to core deposits | 92.0795% | 2,971 |
| Total domestic deposits to total assets | 80.5244% | 5,553 |
| Equity capital to assets | 12.5705% | 1,758 |
| Core capital (leverage) ratio | 12.4723% | 1,418 |
| Tier 1 risk-based capital ratio | 18.1086% | 1,935 |
| Total risk-based capital ratio | 19.3596% | 1,900 |
| Memoranda: | ||
| Average total assets | $84,569,000 | 5,544 |
| Average earning assets | $79,521,000 | 5,457 |
| Average equity | $9,932,670 | 5,219 |
| Average total loans | $59,742,670 | 5,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8830% | 1,238 |
| Cost of funding earning assets | 1.1941% | 5,438 |
| Net interest margin | 4.6889% | 800 |
| Noninterest income to average assets | 0.1404% | 6,975 |
| Noninterest expense to average assets | 5.4206% | 283 |
| Loan and lease loss provision to assets | 0.1113% | 5,504 |
| Net operating income to assets | -0.9825% | 7,095 |
| Return on assets (ROA) | -0.9825% | 7,123 |
| Pretax return on assets | -0.9825% | 7,039 |
| Return on Equity (ROE) | -8.6919% | 7,086 |
| Retained earnings to average equity (ytd only) | -8.6919% | 6,877 |
| Net charge-offs to loans | 0.1623% | 3,950 |
| Credit loss provision to net charge-offs | 95.8333% | 3,527 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 5,551 |
| Efficiency ratio | 117.4468% | 475 |
| Assets per employee ($millions) | 2.2809% | 7,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6267% | 239 |
| Loan loss allowance to noncurrent loans | 79.8173% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 4.6658% | 1,424 |
| Noncurrent loans to loans | 5.7966% | 1,164 |
| Net loans and leases to total assets | 68.5669% | 3,265 |
| Net loans and leases to deposits | 88.2954% | 2,177 |
| Net loans and leases to core deposits | 100.7288% | 2,054 |
| Total domestic deposits to total assets | 77.6562% | 6,411 |
| Equity capital to assets | 12.7029% | 1,652 |
| Core capital (leverage) ratio | 13.1633% | 1,169 |
| Tier 1 risk-based capital ratio | 17.6361% | 2,042 |
| Total risk-based capital ratio | 18.8394% | 2,026 |
| Memoranda: | ||
| Average total assets | $82,647,000 | 5,674 |
| Average earning assets | $77,716,000 | 5,582 |
| Average equity | $9,342,000 | 5,443 |
| Average total loans | $59,133,500 | 5,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 2,212 |
| Cost of funding earning assets | 1.7154% | 4,428 |
| Net interest margin | 4.1888% | 2,108 |
| Noninterest income to average assets | 0.3202% | 5,796 |
| Noninterest expense to average assets | 6.3547% | 266 |
| Loan and lease loss provision to assets | 3.2557% | 501 |
| Net operating income to assets | -5.5356% | 7,799 |
| Return on assets (ROA) | -5.5938% | 7,796 |
| Pretax return on assets | -5.4497% | 7,758 |
| Return on Equity (ROE) | -47.8006% | 7,663 |
| Retained earnings to average equity (ytd only) | -47.8006% | 7,656 |
| Net charge-offs to loans | 0.9776% | 2,452 |
| Credit loss provision to net charge-offs | 500.8529% | 611 |
| Earnings coverage of net charge-offs (x) | -3.2857% | 7,067 |
| Efficiency ratio | 148.2917% | 324 |
| Assets per employee ($millions) | 2.1839% | 7,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1524% | 159 |
| Loan loss allowance to noncurrent loans | 79.7069% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 5.2938% | 1,118 |
| Noncurrent loans to loans | 6.4641% | 934 |
| Net loans and leases to total assets | 67.5036% | 3,816 |
| Net loans and leases to deposits | 81.4038% | 3,719 |
| Net loans and leases to core deposits | 106.1270% | 3,315 |
| Total domestic deposits to total assets | 82.9244% | 4,554 |
| Equity capital to assets | 9.7608% | 4,049 |
| Core capital (leverage) ratio | 9.5689% | 3,639 |
| Tier 1 risk-based capital ratio | 12.8960% | 4,211 |
| Total risk-based capital ratio | 14.1522% | 4,160 |
| Memoranda: | ||
| Average total assets | $72,150,800 | 5,938 |
| Average earning assets | $67,154,600 | 5,896 |
| Average equity | $8,443,400 | 5,781 |
| Average total loans | $47,976,800 | 5,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7376% | 3,153 |
| Cost of funding earning assets | 1.8563% | 4,117 |
| Net interest margin | 3.8813% | 3,301 |
| Noninterest income to average assets | 0.3346% | 5,811 |
| Noninterest expense to average assets | 6.2626% | 280 |
| Loan and lease loss provision to assets | 2.7410% | 575 |
| Net operating income to assets | -5.0604% | 7,848 |
| Return on assets (ROA) | -5.0301% | 7,846 |
| Pretax return on assets | -5.0301% | 7,816 |
| Return on Equity (ROE) | -41.0840% | 7,759 |
| Retained earnings to average equity (ytd only) | -41.0840% | 7,756 |
| Net charge-offs to loans | 0.8786% | 2,207 |
| Credit loss provision to net charge-offs | 478.5479% | 823 |
| Earnings coverage of net charge-offs (x) | -4.0495% | 6,829 |
| Efficiency ratio | 156.2320% | 284 |
| Assets per employee ($millions) | 2.1545% | 7,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1184% | 274 |
| Loan loss allowance to noncurrent loans | 62.1497% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 5.1353% | 1,134 |
| Noncurrent loans to loans | 6.6266% | 863 |
| Net loans and leases to total assets | 64.5660% | 4,735 |
| Net loans and leases to deposits | 77.0360% | 4,895 |
| Net loans and leases to core deposits | 100.1901% | 4,352 |
| Total domestic deposits to total assets | 83.8127% | 3,814 |
| Equity capital to assets | 11.4735% | 2,612 |
| Core capital (leverage) ratio | 11.6618% | 1,986 |
| Tier 1 risk-based capital ratio | 15.5164% | 2,820 |
| Total risk-based capital ratio | 16.8001% | 2,736 |
| Memoranda: | ||
| Average total assets | $70,533,250 | 6,022 |
| Average earning assets | $65,577,500 | 5,975 |
| Average equity | $8,635,750 | 5,778 |
| Average total loans | $45,982,250 | 5,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8890% | 2,638 |
| Cost of funding earning assets | 1.9851% | 3,849 |
| Net interest margin | 3.9039% | 3,099 |
| Noninterest income to average assets | 0.3871% | 5,402 |
| Noninterest expense to average assets | 6.4466% | 271 |
| Loan and lease loss provision to assets | 2.0091% | 808 |
| Net operating income to assets | -4.4464% | 7,888 |
| Return on assets (ROA) | -4.3994% | 7,882 |
| Pretax return on assets | -4.3994% | 7,794 |
| Return on Equity (ROE) | -35.0959% | 7,790 |
| Retained earnings to average equity (ytd only) | -35.0959% | 7,770 |
| Net charge-offs to loans | 1.1982% | 1,531 |
| Credit loss provision to net charge-offs | 260.4563% | 1,791 |
| Earnings coverage of net charge-offs (x) | -3.1597% | 6,411 |
| Efficiency ratio | 158.0834% | 336 |
| Assets per employee ($millions) | 1.8761% | 7,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0735% | 530 |
| Loan loss allowance to noncurrent loans | 39.0839% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 5.1143% | 1,019 |
| Noncurrent loans to loans | 7.8639% | 568 |
| Net loans and leases to total assets | 59.8835% | 5,689 |
| Net loans and leases to deposits | 71.8759% | 5,750 |
| Net loans and leases to core deposits | 109.2715% | 3,465 |
| Total domestic deposits to total assets | 83.3151% | 4,103 |
| Equity capital to assets | 11.3307% | 2,651 |
| Core capital (leverage) ratio | 11.6849% | 1,987 |
| Tier 1 risk-based capital ratio | 15.8513% | 2,679 |
| Total risk-based capital ratio | 17.1201% | 2,613 |
| Memoranda: | ||
| Average total assets | $68,190,670 | 6,144 |
| Average earning assets | $63,270,000 | 6,102 |
| Average equity | $8,548,000 | 5,831 |
| Average total loans | $43,900,000 | 6,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6240% | 683 |
| Cost of funding earning assets | 2.0830% | 3,724 |
| Net interest margin | 4.5410% | 1,051 |
| Noninterest income to average assets | 0.4694% | 4,594 |
| Noninterest expense to average assets | 5.8242% | 308 |
| Loan and lease loss provision to assets | 1.3279% | 967 |
| Net operating income to assets | -2.4952% | 7,763 |
| Return on assets (ROA) | -2.4767% | 7,760 |
| Pretax return on assets | -2.4767% | 7,656 |
| Return on Equity (ROE) | -18.7154% | 7,726 |
| Retained earnings to average equity (ytd only) | -18.7154% | 7,608 |
| Net charge-offs to loans | 0.3281% | 2,780 |
| Credit loss provision to net charge-offs | 614.2857% | 923 |
| Earnings coverage of net charge-offs (x) | -5.4000% | 5,574 |
| Efficiency ratio | 122.5464% | 597 |
| Assets per employee ($millions) | 1.4874% | 8,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 641 |
| Loan loss allowance to noncurrent loans | 59.4174% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 3.3555% | 1,628 |
| Noncurrent loans to loans | 4.5001% | 1,275 |
| Net loans and leases to total assets | 65.7957% | 4,634 |
| Net loans and leases to deposits | 81.9192% | 4,302 |
| Net loans and leases to core deposits | 109.3671% | 3,516 |
| Total domestic deposits to total assets | 80.3178% | 5,232 |
| Equity capital to assets | 12.7894% | 1,838 |
| Core capital (leverage) ratio | 12.3228% | 1,749 |
| Tier 1 risk-based capital ratio | 16.5178% | 2,509 |
| Total risk-based capital ratio | 17.7935% | 2,434 |
| Memoranda: | ||
| Average total assets | $64,764,000 | 6,301 |
| Average earning assets | $59,722,000 | 6,273 |
| Average equity | $8,570,500 | 5,858 |
| Average total loans | $42,668,000 | 6,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2355% | 681 |
| Cost of funding earning assets | 2.7773% | 2,798 |
| Net interest margin | 4.4582% | 1,521 |
| Noninterest income to average assets | 0.5932% | 3,886 |
| Noninterest expense to average assets | 5.3852% | 531 |
| Loan and lease loss provision to assets | 0.7794% | 1,920 |
| Net operating income to assets | -1.5047% | 7,466 |
| Return on assets (ROA) | -1.4912% | 7,406 |
| Pretax return on assets | -1.4912% | 7,247 |
| Return on Equity (ROE) | -12.9838% | 7,493 |
| Retained earnings to average equity (ytd only) | -12.9838% | 7,329 |
| Net charge-offs to loans | 0.7572% | 1,635 |
| Credit loss provision to net charge-offs | 167.9612% | 3,064 |
| Earnings coverage of net charge-offs (x) | -1.5631% | 6,672 |
| Efficiency ratio | 112.9874% | 654 |
| Assets per employee ($millions) | 1.9419% | 7,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 728 |
| Loan loss allowance to noncurrent loans | 54.1532% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 3.0539% | 1,501 |
| Noncurrent loans to loans | 4.5117% | 1,059 |
| Net loans and leases to total assets | 62.5579% | 5,530 |
| Net loans and leases to deposits | 77.4951% | 5,403 |
| Net loans and leases to core deposits | 116.5141% | 3,066 |
| Total domestic deposits to total assets | 80.7250% | 4,758 |
| Equity capital to assets | 13.6869% | 1,538 |
| Core capital (leverage) ratio | 11.9054% | 2,020 |
| Tier 1 risk-based capital ratio | 18.6937% | 1,866 |
| Total risk-based capital ratio | 19.9682% | 1,818 |
| Memoranda: | ||
| Average total assets | $66,589,400 | 6,139 |
| Average earning assets | $60,741,800 | 6,144 |
| Average equity | $7,648,000 | 6,231 |
| Average total loans | $40,808,800 | 6,132 |