Home > Bank of Jackson County > Performance and Condition Ratios
Bank of Jackson County, 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 | 4.7760% | 1,401 |
| Cost of funding earning assets | 0.4783% | 3,982 |
| Net interest margin | 4.2978% | 1,101 |
| Noninterest income to average assets | 1.0746% | 1,270 |
| Noninterest expense to average assets | 7.7817% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -3.3484% | 6,860 |
| Return on assets (ROA) | -3.3484% | 6,858 |
| Pretax return on assets | -3.3484% | 6,855 |
| Return on Equity (ROE) | -237.7277% | 6,891 |
| Retained earnings to average equity (ytd only) | -237.7277% | 6,891 |
| Net charge-offs to loans | -1.3405% | 6,839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.5269% | 40 |
| Assets per employee ($millions) | 1.4544% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1139% | 106 |
| Loan loss allowance to noncurrent loans | 57.7536% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 12.9267% | 70 |
| Noncurrent loans to loans | 8.8547% | 181 |
| Net loans and leases to total assets | 59.8123% | 3,725 |
| Net loans and leases to deposits | 60.1358% | 4,955 |
| Net loans and leases to core deposits | 61.1555% | 5,200 |
| Total domestic deposits to total assets | 99.4621% | 1 |
| Equity capital to assets | 0.0243% | 6,889 |
| Core capital (leverage) ratio | 0.0242% | 6,890 |
| Tier 1 risk-based capital ratio | 0.0335% | 6,890 |
| Total risk-based capital ratio | 0.0670% | 6,890 |
| Memoranda: | ||
| Average total assets | $25,683,500 | 6,688 |
| Average earning assets | $20,072,000 | 6,730 |
| Average equity | $361,750 | 6,890 |
| Average total loans | $16,709,250 | 6,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,641 |
| Cost of funding earning assets | 0.4497% | 4,433 |
| Net interest margin | 4.2232% | 1,216 |
| Noninterest income to average assets | 0.8691% | 1,928 |
| Noninterest expense to average assets | 6.6222% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.4305% | 6,873 |
| Return on assets (ROA) | -2.4305% | 6,874 |
| Pretax return on assets | -2.4305% | 6,867 |
| Return on Equity (ROE) | -131.5762% | 6,935 |
| Retained earnings to average equity (ytd only) | -131.5762% | 6,935 |
| Net charge-offs to loans | -1.7560% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.9817% | 62 |
| Assets per employee ($millions) | 1.5929% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7451% | 142 |
| Loan loss allowance to noncurrent loans | 51.2837% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 14.3608% | 68 |
| Noncurrent loans to loans | 9.2526% | 193 |
| Net loans and leases to total assets | 61.3592% | 3,410 |
| Net loans and leases to deposits | 62.6046% | 4,671 |
| Net loans and leases to core deposits | 63.6338% | 4,934 |
| Total domestic deposits to total assets | 98.0107% | 2 |
| Equity capital to assets | 1.3184% | 6,933 |
| Core capital (leverage) ratio | 1.2941% | 6,935 |
| Tier 1 risk-based capital ratio | 1.7760% | 6,935 |
| Total risk-based capital ratio | 3.0657% | 6,935 |
| Memoranda: | ||
| Average total assets | $26,003,330 | 6,730 |
| Average earning assets | $20,458,330 | 6,772 |
| Average equity | $480,330 | 6,939 |
| Average total loans | $17,084,000 | 6,425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,873 |
| Cost of funding earning assets | 0.4989% | 4,104 |
| Net interest margin | 4.0871% | 1,499 |
| Noninterest income to average assets | 0.8225% | 2,031 |
| Noninterest expense to average assets | 7.0672% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.0005% | 6,967 |
| Return on assets (ROA) | -3.0005% | 6,969 |
| Pretax return on assets | -3.0005% | 6,965 |
| Return on Equity (ROE) | -142.6244% | 7,008 |
| Retained earnings to average equity (ytd only) | -142.6244% | 7,007 |
| Net charge-offs to loans | -3.0314% | 6,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.7828% | 58 |
| Assets per employee ($millions) | 1.6284% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3288% | 221 |
| Loan loss allowance to noncurrent loans | 50.6321% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 14.6619% | 79 |
| Noncurrent loans to loans | 8.5495% | 294 |
| Net loans and leases to total assets | 64.5544% | 2,605 |
| Net loans and leases to deposits | 66.0735% | 4,046 |
| Net loans and leases to core deposits | 67.1390% | 4,402 |
| Total domestic deposits to total assets | 97.7009% | 6 |
| Equity capital to assets | 1.7425% | 7,009 |
| Core capital (leverage) ratio | 1.7068% | 7,010 |
| Tier 1 risk-based capital ratio | 2.1429% | 7,009 |
| Total risk-based capital ratio | 3.3654% | 7,010 |
| Memoranda: | ||
| Average total assets | $26,262,000 | 6,795 |
| Average earning assets | $20,846,000 | 6,835 |
| Average equity | $552,500 | 7,012 |
| Average total loans | $17,417,500 | 6,469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 1,399 |
| Cost of funding earning assets | 0.5593% | 4,733 |
| Net interest margin | 4.5015% | 943 |
| Noninterest income to average assets | 1.3123% | 892 |
| Noninterest expense to average assets | 6.0651% | 216 |
| Loan and lease loss provision to assets | -1.1988% | 7,073 |
| Net operating income to assets | 0.0142% | 6,144 |
| Return on assets (ROA) | 0.0142% | 6,282 |
| Pretax return on assets | 0.0142% | 6,265 |
| Return on Equity (ROE) | 0.5580% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.5580% | 5,572 |
| Net charge-offs to loans | 0.1499% | 4,190 |
| Credit loss provision to net charge-offs | -1,207.1429% | 6,600 |
| Earnings coverage of net charge-offs (x) | -11.9286% | 5,947 |
| Efficiency ratio | 124.2733% | 181 |
| Assets per employee ($millions) | 1.6544% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6453% | 379 |
| Loan loss allowance to noncurrent loans | 34.8476% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 15.0548% | 81 |
| Noncurrent loans to loans | 10.4607% | 210 |
| Net loans and leases to total assets | 62.8107% | 3,094 |
| Net loans and leases to deposits | 64.7077% | 4,459 |
| Net loans and leases to core deposits | 65.7414% | 4,769 |
| Total domestic deposits to total assets | 97.0684% | 14 |
| Equity capital to assets | 2.4594% | 7,053 |
| Core capital (leverage) ratio | 2.3259% | 7,053 |
| Tier 1 risk-based capital ratio | 3.2599% | 7,051 |
| Total risk-based capital ratio | 4.5218% | 7,051 |
| Memoranda: | ||
| Average total assets | $28,194,200 | 6,802 |
| Average earning assets | $22,348,000 | 6,858 |
| Average equity | $716,800 | 7,075 |
| Average total loans | $18,679,400 | 6,481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 1,241 |
| Cost of funding earning assets | 0.5623% | 4,980 |
| Net interest margin | 4.6169% | 791 |
| Noninterest income to average assets | 0.9269% | 1,745 |
| Noninterest expense to average assets | 5.9200% | 219 |
| Loan and lease loss provision to assets | -1.5743% | 7,175 |
| Net operating income to assets | 0.2143% | 5,877 |
| Return on assets (ROA) | 0.2143% | 6,054 |
| Pretax return on assets | 0.2143% | 6,098 |
| Return on Equity (ROE) | 8.3641% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.3641% | 1,455 |
| Net charge-offs to loans | -0.3082% | 7,052 |
| Credit loss provision to net charge-offs | 768.1818% | 366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8264% | 151 |
| Assets per employee ($millions) | 1.5530% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8434% | 350 |
| Loan loss allowance to noncurrent loans | 42.5106% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 13.6975% | 114 |
| Noncurrent loans to loans | 9.0411% | 303 |
| Net loans and leases to total assets | 62.7388% | 3,253 |
| Net loans and leases to deposits | 64.6825% | 4,630 |
| Net loans and leases to core deposits | 65.6608% | 4,990 |
| Total domestic deposits to total assets | 96.9951% | 17 |
| Equity capital to assets | 2.4791% | 7,151 |
| Core capital (leverage) ratio | 2.4326% | 7,149 |
| Tier 1 risk-based capital ratio | 3.3737% | 7,152 |
| Total risk-based capital ratio | 4.6492% | 7,152 |
| Memoranda: | ||
| Average total assets | $28,625,250 | 6,872 |
| Average earning assets | $22,525,500 | 6,940 |
| Average equity | $733,250 | 7,173 |
| Average total loans | $19,035,500 | 6,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 1,386 |
| Cost of funding earning assets | 0.5496% | 5,306 |
| Net interest margin | 4.5975% | 833 |
| Noninterest income to average assets | 0.8666% | 1,903 |
| Noninterest expense to average assets | 6.1215% | 211 |
| Loan and lease loss provision to assets | -2.3432% | 7,242 |
| Net operating income to assets | 0.7418% | 3,638 |
| Return on assets (ROA) | 0.7418% | 3,918 |
| Pretax return on assets | 0.7418% | 4,698 |
| Return on Equity (ROE) | 28.6606% | 88 |
| Retained earnings to average equity (ytd only) | 28.6606% | 44 |
| Net charge-offs to loans | -0.2487% | 7,043 |
| Credit loss provision to net charge-offs | 1,408.3333% | 233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4294% | 140 |
| Assets per employee ($millions) | 1.5461% | 7,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4500% | 511 |
| Loan loss allowance to noncurrent loans | 40.6567% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 12.1596% | 173 |
| Noncurrent loans to loans | 8.4857% | 385 |
| Net loans and leases to total assets | 64.8761% | 2,858 |
| Net loans and leases to deposits | 66.8819% | 4,381 |
| Net loans and leases to core deposits | 67.8293% | 4,807 |
| Total domestic deposits to total assets | 97.0010% | 22 |
| Equity capital to assets | 2.5667% | 7,199 |
| Core capital (leverage) ratio | 2.6530% | 7,195 |
| Tier 1 risk-based capital ratio | 3.4079% | 7,202 |
| Total risk-based capital ratio | 4.6825% | 7,202 |
| Memoranda: | ||
| Average total assets | $28,849,000 | 6,918 |
| Average earning assets | $22,925,330 | 6,988 |
| Average equity | $746,670 | 7,232 |
| Average total loans | $19,301,000 | 6,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 1,729 |
| Cost of funding earning assets | 0.5647% | 5,395 |
| Net interest margin | 4.4827% | 1,045 |
| Noninterest income to average assets | 0.7416% | 2,440 |
| Noninterest expense to average assets | 6.3389% | 182 |
| Loan and lease loss provision to assets | -4.7297% | 7,308 |
| Net operating income to assets | 2.6867% | 142 |
| Return on assets (ROA) | 2.6867% | 168 |
| Pretax return on assets | 2.6867% | 260 |
| Return on Equity (ROE) | 103.3647% | 7 |
| Retained earnings to average equity (ytd only) | 103.3647% | 5 |
| Net charge-offs to loans | 0.0210% | 4,396 |
| Credit loss provision to net charge-offs | -33,800.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | -146.0000% | 4,725 |
| Efficiency ratio | 147.5570% | 113 |
| Assets per employee ($millions) | 1.5663% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 483 |
| Loan loss allowance to noncurrent loans | 49.1018% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 11.4486% | 226 |
| Noncurrent loans to loans | 7.4375% | 575 |
| Net loans and leases to total assets | 58.1572% | 4,011 |
| Net loans and leases to deposits | 60.0312% | 5,142 |
| Net loans and leases to core deposits | 60.8716% | 5,446 |
| Total domestic deposits to total assets | 96.8783% | 22 |
| Equity capital to assets | 2.8193% | 7,245 |
| Core capital (leverage) ratio | 2.9056% | 7,242 |
| Tier 1 risk-based capital ratio | 3.9808% | 7,248 |
| Total risk-based capital ratio | 5.2619% | 7,247 |
| Memoranda: | ||
| Average total assets | $28,585,500 | 6,990 |
| Average earning assets | $22,665,000 | 7,055 |
| Average equity | $743,000 | 7,293 |
| Average total loans | $19,082,000 | 6,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8029% | 640 |
| Cost of funding earning assets | 0.7289% | 5,344 |
| Net interest margin | 5.0740% | 353 |
| Noninterest income to average assets | 0.9021% | 1,666 |
| Noninterest expense to average assets | 5.2521% | 313 |
| Loan and lease loss provision to assets | 0.1403% | 4,864 |
| Net operating income to assets | -0.3078% | 6,351 |
| Return on assets (ROA) | -0.2105% | 6,337 |
| Pretax return on assets | -0.2238% | 6,300 |
| Return on Equity (ROE) | -9.8284% | 6,735 |
| Retained earnings to average equity (ytd only) | -9.8284% | 6,698 |
| Net charge-offs to loans | 0.4550% | 3,165 |
| Credit loss provision to net charge-offs | 42.8571% | 5,575 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 6,102 |
| Efficiency ratio | 103.6939% | 576 |
| Assets per employee ($millions) | 1.3706% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9255% | 186 |
| Loan loss allowance to noncurrent loans | 64.1935% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 12.0239% | 210 |
| Noncurrent loans to loans | 7.6729% | 536 |
| Net loans and leases to total assets | 70.0642% | 2,017 |
| Net loans and leases to deposits | 73.0739% | 3,651 |
| Net loans and leases to core deposits | 74.1974% | 4,211 |
| Total domestic deposits to total assets | 95.8814% | 38 |
| Equity capital to assets | 2.3603% | 7,303 |
| Core capital (leverage) ratio | 2.1738% | 7,307 |
| Tier 1 risk-based capital ratio | 2.9587% | 7,316 |
| Total risk-based capital ratio | 4.2482% | 7,317 |
| Memoranda: | ||
| Average total assets | $29,930,800 | 6,974 |
| Average earning assets | $24,556,800 | 7,026 |
| Average equity | $641,000 | 7,347 |
| Average total loans | $21,538,200 | 6,578 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 2,019 |
| Cost of funding earning assets | 0.7661% | 5,359 |
| Net interest margin | 4.4867% | 1,184 |
| Noninterest income to average assets | 1.0296% | 1,271 |
| Noninterest expense to average assets | 5.3052% | 286 |
| Loan and lease loss provision to assets | 0.1832% | 4,202 |
| Net operating income to assets | -0.7106% | 6,762 |
| Return on assets (ROA) | -0.6850% | 6,782 |
| Pretax return on assets | -0.7024% | 6,736 |
| Return on Equity (ROE) | -32.7334% | 7,216 |
| Retained earnings to average equity (ytd only) | -32.7334% | 7,209 |
| Net charge-offs to loans | 2.7370% | 376 |
| Credit loss provision to net charge-offs | 9.3541% | 5,665 |
| Earnings coverage of net charge-offs (x) | -0.2784% | 5,755 |
| Efficiency ratio | 111.4574% | 400 |
| Assets per employee ($millions) | 1.4451% | 7,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8841% | 950 |
| Loan loss allowance to noncurrent loans | 41.8454% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 11.4352% | 255 |
| Noncurrent loans to loans | 6.8924% | 729 |
| Net loans and leases to total assets | 75.0294% | 1,139 |
| Net loans and leases to deposits | 77.0830% | 3,157 |
| Net loans and leases to core deposits | 78.1892% | 3,875 |
| Total domestic deposits to total assets | 97.3358% | 13 |
| Equity capital to assets | 2.0068% | 7,406 |
| Core capital (leverage) ratio | 1.8016% | 7,410 |
| Tier 1 risk-based capital ratio | 2.2197% | 7,410 |
| Total risk-based capital ratio | 3.4881% | 7,410 |
| Memoranda: | ||
| Average total assets | $30,560,500 | 7,022 |
| Average earning assets | $25,407,750 | 7,071 |
| Average equity | $639,500 | 7,425 |
| Average total loans | $21,872,500 | 6,624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 2,475 |
| Cost of funding earning assets | 0.7956% | 5,401 |
| Net interest margin | 4.3526% | 1,504 |
| Noninterest income to average assets | 1.0671% | 1,157 |
| Noninterest expense to average assets | 5.1875% | 315 |
| Loan and lease loss provision to assets | 0.0900% | 5,190 |
| Net operating income to assets | -0.5528% | 6,733 |
| Return on assets (ROA) | -0.5142% | 6,731 |
| Pretax return on assets | -0.5142% | 6,669 |
| Return on Equity (ROE) | -24.2671% | 7,189 |
| Retained earnings to average equity (ytd only) | -24.2671% | 7,179 |
| Net charge-offs to loans | 1.0497% | 1,498 |
| Credit loss provision to net charge-offs | 12.2807% | 5,223 |
| Earnings coverage of net charge-offs (x) | -0.6316% | 5,563 |
| Efficiency ratio | 109.7959% | 478 |
| Assets per employee ($millions) | 1.5434% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5789% | 261 |
| Loan loss allowance to noncurrent loans | 42.0610% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 13.0459% | 208 |
| Noncurrent loans to loans | 10.8864% | 325 |
| Net loans and leases to total assets | 64.2024% | 3,419 |
| Net loans and leases to deposits | 65.9545% | 5,006 |
| Net loans and leases to core deposits | 66.8015% | 5,411 |
| Total domestic deposits to total assets | 97.3435% | 12 |
| Equity capital to assets | 2.0604% | 7,475 |
| Core capital (leverage) ratio | 2.1071% | 7,470 |
| Tier 1 risk-based capital ratio | 2.3414% | 7,485 |
| Total risk-based capital ratio | 3.6199% | 7,484 |
| Memoranda: | ||
| Average total assets | $31,113,330 | 7,070 |
| Average earning assets | $26,145,000 | 7,120 |
| Average equity | $659,330 | 7,501 |
| Average total loans | $21,720,330 | 6,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 2,038 |
| Cost of funding earning assets | 0.8579% | 5,229 |
| Net interest margin | 4.3949% | 1,291 |
| Noninterest income to average assets | 0.7427% | 2,300 |
| Noninterest expense to average assets | 5.4809% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.9988% | 7,048 |
| Return on assets (ROA) | -0.9988% | 7,050 |
| Pretax return on assets | -0.9988% | 6,999 |
| Return on Equity (ROE) | -46.4978% | 7,397 |
| Retained earnings to average equity (ytd only) | -46.4978% | 7,383 |
| Net charge-offs to loans | -0.0180% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2857% | 324 |
| Assets per employee ($millions) | 1.5613% | 7,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8778% | 218 |
| Loan loss allowance to noncurrent loans | 38.6055% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 14.3827% | 170 |
| Noncurrent loans to loans | 12.6350% | 246 |
| Net loans and leases to total assets | 65.7006% | 3,090 |
| Net loans and leases to deposits | 67.4414% | 4,756 |
| Net loans and leases to core deposits | 68.9742% | 5,173 |
| Total domestic deposits to total assets | 97.4187% | 13 |
| Equity capital to assets | 2.0240% | 7,534 |
| Core capital (leverage) ratio | 1.9983% | 7,535 |
| Tier 1 risk-based capital ratio | 2.4418% | 7,540 |
| Total risk-based capital ratio | 3.7283% | 7,541 |
| Memoranda: | ||
| Average total assets | $31,236,000 | 7,114 |
| Average earning assets | $26,576,000 | 7,158 |
| Average equity | $671,000 | 7,557 |
| Average total loans | $22,196,000 | 6,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 4,722 |
| Cost of funding earning assets | 0.9957% | 5,720 |
| Net interest margin | 3.9693% | 3,156 |
| Noninterest income to average assets | -0.2457% | 7,490 |
| Noninterest expense to average assets | 5.0097% | 407 |
| Loan and lease loss provision to assets | 3.1888% | 277 |
| Net operating income to assets | -5.2199% | 7,548 |
| Return on assets (ROA) | -5.2110% | 7,557 |
| Pretax return on assets | -4.9416% | 7,534 |
| Return on Equity (ROE) | -93.0429% | 7,583 |
| Retained earnings to average equity (ytd only) | -93.0429% | 7,583 |
| Net charge-offs to loans | 3.5566% | 397 |
| Credit loss provision to net charge-offs | 125.0871% | 3,264 |
| Earnings coverage of net charge-offs (x) | -0.6911% | 6,523 |
| Efficiency ratio | 154.2388% | 194 |
| Assets per employee ($millions) | 1.4880% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6046% | 255 |
| Loan loss allowance to noncurrent loans | 36.5438% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 14.6318% | 178 |
| Noncurrent loans to loans | 12.6002% | 253 |
| Net loans and leases to total assets | 69.6835% | 2,608 |
| Net loans and leases to deposits | 71.6887% | 4,570 |
| Net loans and leases to core deposits | 74.0814% | 4,973 |
| Total domestic deposits to total assets | 97.2029% | 17 |
| Equity capital to assets | 2.2722% | 7,605 |
| Core capital (leverage) ratio | 2.1533% | 7,604 |
| Tier 1 risk-based capital ratio | 2.8017% | 7,610 |
| Total risk-based capital ratio | 4.0881% | 7,611 |
| Memoranda: | ||
| Average total assets | $33,774,600 | 7,089 |
| Average earning assets | $29,728,400 | 7,099 |
| Average equity | $1,891,600 | 7,519 |
| Average total loans | $24,208,600 | 6,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 4,764 |
| Cost of funding earning assets | 1.0030% | 5,925 |
| Net interest margin | 4.0074% | 3,069 |
| Noninterest income to average assets | 1.1780% | 1,002 |
| Noninterest expense to average assets | 4.8517% | 425 |
| Loan and lease loss provision to assets | 2.3406% | 469 |
| Net operating income to assets | -2.4685% | 7,344 |
| Return on assets (ROA) | -2.4685% | 7,358 |
| Pretax return on assets | -2.4685% | 7,311 |
| Return on Equity (ROE) | -38.8345% | 7,480 |
| Retained earnings to average equity (ytd only) | -38.8345% | 7,477 |
| Net charge-offs to loans | 4.2516% | 265 |
| Credit loss provision to net charge-offs | 77.1392% | 5,221 |
| Earnings coverage of net charge-offs (x) | -0.0421% | 6,064 |
| Efficiency ratio | 102.7071% | 664 |
| Assets per employee ($millions) | 1.5000% | 7,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7990% | 1,005 |
| Loan loss allowance to noncurrent loans | 29.0909% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 13.9714% | 193 |
| Noncurrent loans to loans | 9.6215% | 461 |
| Net loans and leases to total assets | 72.3206% | 2,186 |
| Net loans and leases to deposits | 77.2604% | 3,966 |
| Net loans and leases to core deposits | 79.8801% | 4,537 |
| Total domestic deposits to total assets | 93.6063% | 77 |
| Equity capital to assets | 5.8476% | 7,505 |
| Core capital (leverage) ratio | 5.4576% | 7,502 |
| Tier 1 risk-based capital ratio | 7.3855% | 7,525 |
| Total risk-based capital ratio | 8.6547% | 7,525 |
| Memoranda: | ||
| Average total assets | $34,406,500 | 7,150 |
| Average earning assets | $30,442,750 | 7,158 |
| Average equity | $2,187,000 | 7,571 |
| Average total loans | $24,554,500 | 6,789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 3,884 |
| Cost of funding earning assets | 0.9846% | 6,220 |
| Net interest margin | 4.2286% | 2,057 |
| Noninterest income to average assets | 1.3625% | 679 |
| Noninterest expense to average assets | 4.7660% | 453 |
| Loan and lease loss provision to assets | 3.4148% | 258 |
| Net operating income to assets | -3.0304% | 7,515 |
| Return on assets (ROA) | -3.0304% | 7,519 |
| Pretax return on assets | -3.0304% | 7,473 |
| Return on Equity (ROE) | -46.5682% | 7,589 |
| Retained earnings to average equity (ytd only) | -46.5682% | 7,584 |
| Net charge-offs to loans | 5.8972% | 139 |
| Credit loss provision to net charge-offs | 82.1769% | 4,652 |
| Earnings coverage of net charge-offs (x) | 0.0925% | 5,632 |
| Efficiency ratio | 92.5357% | 1,157 |
| Assets per employee ($millions) | 1.4224% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8711% | 937 |
| Loan loss allowance to noncurrent loans | 22.5352% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 11.6498% | 287 |
| Noncurrent loans to loans | 12.7406% | 244 |
| Net loans and leases to total assets | 69.7639% | 2,963 |
| Net loans and leases to deposits | 74.4320% | 4,607 |
| Net loans and leases to core deposits | 76.0409% | 5,192 |
| Total domestic deposits to total assets | 93.7284% | 84 |
| Equity capital to assets | 5.7063% | 7,572 |
| Core capital (leverage) ratio | 5.7326% | 7,522 |
| Tier 1 risk-based capital ratio | 7.6124% | 7,551 |
| Total risk-based capital ratio | 8.8798% | 7,556 |
| Memoranda: | ||
| Average total assets | $35,375,330 | 7,166 |
| Average earning assets | $31,688,670 | 7,169 |
| Average equity | $2,302,000 | 7,604 |
| Average total loans | $24,927,000 | 6,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 3,589 |
| Cost of funding earning assets | 0.9654% | 6,522 |
| Net interest margin | 4.3259% | 1,608 |
| Noninterest income to average assets | 1.8670% | 374 |
| Noninterest expense to average assets | 4.7008% | 478 |
| Loan and lease loss provision to assets | 0.1778% | 4,745 |
| Net operating income to assets | 0.9224% | 2,465 |
| Return on assets (ROA) | 0.9224% | 2,529 |
| Pretax return on assets | 0.9224% | 3,377 |
| Return on Equity (ROE) | 13.3925% | 1,171 |
| Retained earnings to average equity (ytd only) | 13.3925% | 572 |
| Net charge-offs to loans | 0.0159% | 5,360 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 320 |
| Efficiency ratio | 81.0345% | 2,404 |
| Assets per employee ($millions) | 1.3862% | 7,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4186% | 575 |
| Loan loss allowance to noncurrent loans | 30.9654% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 10.8149% | 345 |
| Noncurrent loans to loans | 11.0401% | 356 |
| Net loans and leases to total assets | 72.1813% | 2,409 |
| Net loans and leases to deposits | 78.6339% | 3,914 |
| Net loans and leases to core deposits | 79.2934% | 4,854 |
| Total domestic deposits to total assets | 91.7942% | 290 |
| Equity capital to assets | 7.6648% | 6,956 |
| Core capital (leverage) ratio | 7.5004% | 6,851 |
| Tier 1 risk-based capital ratio | 10.2194% | 6,873 |
| Total risk-based capital ratio | 11.4963% | 6,844 |
| Memoranda: | ||
| Average total assets | $35,994,000 | 7,234 |
| Average earning assets | $32,733,000 | 7,211 |
| Average equity | $2,479,000 | 7,640 |
| Average total loans | $25,130,500 | 6,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 4,515 |
| Cost of funding earning assets | 1.0724% | 7,049 |
| Net interest margin | 4.3624% | 1,536 |
| Noninterest income to average assets | 1.0723% | 1,339 |
| Noninterest expense to average assets | 5.0988% | 486 |
| Loan and lease loss provision to assets | 1.7120% | 1,333 |
| Net operating income to assets | -1.1621% | 6,691 |
| Return on assets (ROA) | -1.1148% | 6,662 |
| Pretax return on assets | -1.6934% | 6,813 |
| Return on Equity (ROE) | -15.0150% | 6,938 |
| Retained earnings to average equity (ytd only) | -15.0150% | 6,889 |
| Net charge-offs to loans | 1.7114% | 1,471 |
| Credit loss provision to net charge-offs | 145.5982% | 3,257 |
| Earnings coverage of net charge-offs (x) | -0.0451% | 6,268 |
| Efficiency ratio | 101.0521% | 1,053 |
| Assets per employee ($millions) | 1.5488% | 7,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2878% | 612 |
| Loan loss allowance to noncurrent loans | 29.0536% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 9.6258% | 402 |
| Noncurrent loans to loans | 11.3163% | 323 |
| Net loans and leases to total assets | 63.4366% | 4,715 |
| Net loans and leases to deposits | 74.8089% | 4,905 |
| Net loans and leases to core deposits | 86.1522% | 5,503 |
| Total domestic deposits to total assets | 84.7982% | 3,652 |
| Equity capital to assets | 6.2192% | 7,625 |
| Core capital (leverage) ratio | 6.5534% | 7,465 |
| Tier 1 risk-based capital ratio | 9.1585% | 7,396 |
| Total risk-based capital ratio | 10.4333% | 7,387 |
| Memoranda: | ||
| Average total assets | $37,675,400 | 7,182 |
| Average earning assets | $34,315,800 | 7,175 |
| Average equity | $2,797,200 | 7,648 |
| Average total loans | $25,885,400 | 6,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 3,859 |
| Cost of funding earning assets | 1.1264% | 7,109 |
| Net interest margin | 4.4741% | 1,261 |
| Noninterest income to average assets | 0.9087% | 1,946 |
| Noninterest expense to average assets | 4.9783% | 498 |
| Loan and lease loss provision to assets | 0.0392% | 6,972 |
| Net operating income to assets | -0.0499% | 5,802 |
| Return on assets (ROA) | -0.0356% | 5,833 |
| Pretax return on assets | -0.0321% | 5,755 |
| Return on Equity (ROE) | -0.4605% | 5,850 |
| Retained earnings to average equity (ytd only) | -0.4605% | 5,335 |
| Net charge-offs to loans | 2.2403% | 854 |
| Credit loss provision to net charge-offs | 2.5172% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.0046% | 6,072 |
| Efficiency ratio | 100.1434% | 1,055 |
| Assets per employee ($millions) | 1.5128% | 7,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 7,069 |
| Loan loss allowance to noncurrent loans | 6.8204% | 7,493 |
| Noncurrent assets plus other real estate owned to assets | 10.3012% | 321 |
| Noncurrent loans to loans | 11.9804% | 275 |
| Net loans and leases to total assets | 66.4340% | 4,324 |
| Net loans and leases to deposits | 72.1929% | 5,619 |
| Net loans and leases to core deposits | 82.1648% | 6,171 |
| Total domestic deposits to total assets | 92.0230% | 172 |
| Equity capital to assets | 7.5593% | 7,254 |
| Core capital (leverage) ratio | 7.5971% | 6,864 |
| Tier 1 risk-based capital ratio | 10.5859% | 6,362 |
| Total risk-based capital ratio | 11.3521% | 6,821 |
| Memoranda: | ||
| Average total assets | $37,414,500 | 7,255 |
| Average earning assets | $33,972,500 | 7,250 |
| Average equity | $2,894,500 | 7,692 |
| Average total loans | $26,007,500 | 6,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 3,502 |
| Cost of funding earning assets | 1.1827% | 7,156 |
| Net interest margin | 4.5240% | 1,111 |
| Noninterest income to average assets | 0.8638% | 2,131 |
| Noninterest expense to average assets | 5.0216% | 506 |
| Loan and lease loss provision to assets | 0.0054% | 7,133 |
| Net operating income to assets | -0.0644% | 5,945 |
| Return on assets (ROA) | -0.0429% | 5,980 |
| Pretax return on assets | -0.0376% | 5,920 |
| Return on Equity (ROE) | -0.5505% | 6,008 |
| Retained earnings to average equity (ytd only) | -0.5505% | 5,363 |
| Net charge-offs to loans | 3.1030% | 530 |
| Credit loss provision to net charge-offs | 0.2457% | 6,236 |
| Earnings coverage of net charge-offs (x) | -0.0246% | 5,718 |
| Efficiency ratio | 101.0799% | 1,123 |
| Assets per employee ($millions) | 1.6600% | 8,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,803 |
| Loan loss allowance to noncurrent loans | 7.8984% | 7,523 |
| Noncurrent assets plus other real estate owned to assets | 10.2270% | 274 |
| Noncurrent loans to loans | 11.3150% | 258 |
| Net loans and leases to total assets | 68.9275% | 3,966 |
| Net loans and leases to deposits | 75.0000% | 5,322 |
| Net loans and leases to core deposits | 85.7625% | 5,928 |
| Total domestic deposits to total assets | 91.9033% | 228 |
| Equity capital to assets | 7.7188% | 7,051 |
| Core capital (leverage) ratio | 7.8420% | 6,559 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,653 |
| Total risk-based capital ratio | 11.0634% | 7,063 |
| Memoranda: | ||
| Average total assets | $37,279,000 | 7,325 |
| Average earning assets | $33,820,000 | 7,323 |
| Average equity | $2,906,330 | 7,760 |
| Average total loans | $26,232,330 | 6,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 3,471 |
| Cost of funding earning assets | 1.2314% | 7,225 |
| Net interest margin | 4.5307% | 1,068 |
| Noninterest income to average assets | 0.8073% | 2,288 |
| Noninterest expense to average assets | 5.0454% | 472 |
| Loan and lease loss provision to assets | 0.0106% | 6,697 |
| Net operating income to assets | -0.1168% | 6,439 |
| Return on assets (ROA) | -0.0744% | 6,487 |
| Pretax return on assets | -0.0637% | 6,445 |
| Return on Equity (ROE) | -0.9492% | 6,531 |
| Retained earnings to average equity (ytd only) | -0.9492% | 5,875 |
| Net charge-offs to loans | 6.0041% | 159 |
| Credit loss provision to net charge-offs | 0.2500% | 5,246 |
| Earnings coverage of net charge-offs (x) | -0.0225% | 5,002 |
| Efficiency ratio | 101.9313% | 1,055 |
| Assets per employee ($millions) | 1.4146% | 8,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,738 |
| Loan loss allowance to noncurrent loans | 6.6214% | 7,540 |
| Noncurrent assets plus other real estate owned to assets | 9.6305% | 246 |
| Noncurrent loans to loans | 13.6227% | 130 |
| Net loans and leases to total assets | 69.8986% | 3,692 |
| Net loans and leases to deposits | 76.3098% | 5,176 |
| Net loans and leases to core deposits | 87.2582% | 5,811 |
| Total domestic deposits to total assets | 91.5985% | 253 |
| Equity capital to assets | 7.9257% | 6,925 |
| Core capital (leverage) ratio | 7.6432% | 6,966 |
| Tier 1 risk-based capital ratio | 10.8937% | 5,997 |
| Total risk-based capital ratio | 11.7844% | 6,274 |
| Memoranda: | ||
| Average total assets | $37,658,000 | 7,346 |
| Average earning assets | $34,432,000 | 7,337 |
| Average equity | $2,950,000 | 7,801 |
| Average total loans | $26,648,500 | 6,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1587% | 4,735 |
| Cost of funding earning assets | 1.6456% | 7,361 |
| Net interest margin | 4.5132% | 1,389 |
| Noninterest income to average assets | 1.1222% | 1,239 |
| Noninterest expense to average assets | 4.9148% | 656 |
| Loan and lease loss provision to assets | 0.5531% | 2,607 |
| Net operating income to assets | -0.1085% | 6,505 |
| Return on assets (ROA) | -0.1085% | 6,359 |
| Pretax return on assets | -0.1720% | 6,350 |
| Return on Equity (ROE) | -1.3886% | 6,415 |
| Retained earnings to average equity (ytd only) | -1.3886% | 5,704 |
| Net charge-offs to loans | 0.2905% | 3,463 |
| Credit loss provision to net charge-offs | 278.6667% | 1,637 |
| Earnings coverage of net charge-offs (x) | 1.9200% | 5,107 |
| Efficiency ratio | 92.8036% | 1,338 |
| Assets per employee ($millions) | 1.5415% | 8,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3140% | 838 |
| Loan loss allowance to noncurrent loans | 20.0761% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 8.2025% | 275 |
| Noncurrent loans to loans | 11.5262% | 147 |
| Net loans and leases to total assets | 69.3412% | 4,182 |
| Net loans and leases to deposits | 75.5926% | 5,638 |
| Net loans and leases to core deposits | 85.8290% | 6,147 |
| Total domestic deposits to total assets | 91.7300% | 173 |
| Equity capital to assets | 7.7458% | 7,157 |
| Core capital (leverage) ratio | 7.4876% | 7,218 |
| Tier 1 risk-based capital ratio | 10.6006% | 6,100 |
| Total risk-based capital ratio | 11.8638% | 5,985 |
| Memoranda: | ||
| Average total assets | $37,784,200 | 7,317 |
| Average earning assets | $34,942,200 | 7,290 |
| Average equity | $2,952,600 | 7,849 |
| Average total loans | $25,816,800 | 6,982 |