Home > Bank of Manhattan, N.A. > Performance and Condition Ratios
Bank of Manhattan, N.A., Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 735 |
| Cost of funding earning assets | 0.2460% | 5,062 |
| Net interest margin | 4.6338% | 464 |
| Noninterest income to average assets | 2.2711% | 307 |
| Noninterest expense to average assets | 7.9913% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.4643% | 6,349 |
| Return on assets (ROA) | -1.4643% | 6,352 |
| Pretax return on assets | -1.4643% | 6,347 |
| Return on Equity (ROE) | -13.0959% | 6,336 |
| Retained earnings to average equity (ytd only) | -13.0959% | 6,199 |
| Net charge-offs to loans | -0.0032% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5724% | 126 |
| Assets per employee ($millions) | 5.4711% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,511 |
| Loan loss allowance to noncurrent loans | 469.5035% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 5,368 |
| Noncurrent loans to loans | 0.1861% | 5,113 |
| Net loans and leases to total assets | 77.9787% | 934 |
| Net loans and leases to deposits | 90.2455% | 1,363 |
| Net loans and leases to core deposits | 95.3907% | 1,659 |
| Total domestic deposits to total assets | 86.4074% | 2,708 |
| Equity capital to assets | 11.2231% | 2,731 |
| Core capital (leverage) ratio | 9.4165% | 4,403 |
| Tier 1 risk-based capital ratio | 11.5741% | 5,508 |
| Total risk-based capital ratio | 12.4726% | 5,619 |
| Memoranda: | ||
| Average total assets | $490,330,500 | 1,389 |
| Average earning assets | $450,346,500 | 1,393 |
| Average equity | $54,826,500 | 1,385 |
| Average total loans | $377,293,500 | 1,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,911 |
| Cost of funding earning assets | 0.3177% | 4,605 |
| Net interest margin | 4.1730% | 1,377 |
| Noninterest income to average assets | 3.4369% | 163 |
| Noninterest expense to average assets | 7.7114% | 114 |
| Loan and lease loss provision to assets | 0.1627% | 1,615 |
| Net operating income to assets | -0.6522% | 6,328 |
| Return on assets (ROA) | -0.6410% | 6,321 |
| Pretax return on assets | -0.6546% | 6,315 |
| Return on Equity (ROE) | -5.6426% | 6,303 |
| Retained earnings to average equity (ytd only) | -5.6426% | 6,204 |
| Net charge-offs to loans | 0.0459% | 3,912 |
| Credit loss provision to net charge-offs | 486.8263% | 538 |
| Earnings coverage of net charge-offs (x) | -15.0659% | 4,930 |
| Efficiency ratio | 100.4496% | 352 |
| Assets per employee ($millions) | 2.9715% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 5,530 |
| Loan loss allowance to noncurrent loans | 3,518.0851% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,972 |
| Noncurrent loans to loans | 0.0250% | 5,787 |
| Net loans and leases to total assets | 74.6260% | 1,475 |
| Net loans and leases to deposits | 86.2169% | 1,953 |
| Net loans and leases to core deposits | 91.7808% | 2,114 |
| Total domestic deposits to total assets | 86.5561% | 2,535 |
| Equity capital to assets | 11.1414% | 2,764 |
| Core capital (leverage) ratio | 9.7000% | 3,970 |
| Tier 1 risk-based capital ratio | 11.9446% | 5,399 |
| Total risk-based capital ratio | 12.8497% | 5,524 |
| Memoranda: | ||
| Average total assets | $499,842,800 | 1,332 |
| Average earning assets | $451,710,200 | 1,359 |
| Average equity | $56,782,200 | 1,291 |
| Average total loans | $363,529,600 | 1,221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 2,300 |
| Cost of funding earning assets | 0.3326% | 4,536 |
| Net interest margin | 4.0455% | 1,737 |
| Noninterest income to average assets | 3.6738% | 160 |
| Noninterest expense to average assets | 7.8704% | 110 |
| Loan and lease loss provision to assets | 0.2021% | 1,170 |
| Net operating income to assets | -0.7428% | 6,432 |
| Return on assets (ROA) | -0.7277% | 6,423 |
| Pretax return on assets | -0.7381% | 6,407 |
| Return on Equity (ROE) | -6.3753% | 6,396 |
| Retained earnings to average equity (ytd only) | -6.3753% | 6,308 |
| Net charge-offs to loans | 0.0644% | 3,283 |
| Credit loss provision to net charge-offs | 435.6322% | 651 |
| Earnings coverage of net charge-offs (x) | -11.8795% | 4,638 |
| Efficiency ratio | 99.5009% | 385 |
| Assets per employee ($millions) | 2.6815% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,760 |
| Loan loss allowance to noncurrent loans | 184.1657% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,858 |
| Noncurrent loans to loans | 0.4585% | 4,526 |
| Net loans and leases to total assets | 76.8062% | 1,123 |
| Net loans and leases to deposits | 89.0247% | 1,549 |
| Net loans and leases to core deposits | 97.8645% | 1,531 |
| Total domestic deposits to total assets | 86.2752% | 2,717 |
| Equity capital to assets | 11.2778% | 2,680 |
| Core capital (leverage) ratio | 9.9179% | 3,785 |
| Tier 1 risk-based capital ratio | 12.1168% | 5,412 |
| Total risk-based capital ratio | 13.0098% | 5,558 |
| Memoranda: | ||
| Average total assets | $500,001,500 | 1,348 |
| Average earning assets | $450,561,500 | 1,375 |
| Average equity | $57,073,000 | 1,290 |
| Average total loans | $360,450,500 | 1,235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,784 |
| Cost of funding earning assets | 0.3490% | 4,448 |
| Net interest margin | 3.8968% | 2,181 |
| Noninterest income to average assets | 3.7139% | 154 |
| Noninterest expense to average assets | 7.5985% | 115 |
| Loan and lease loss provision to assets | 0.2633% | 798 |
| Net operating income to assets | -0.6375% | 6,469 |
| Return on assets (ROA) | -0.6280% | 6,470 |
| Pretax return on assets | -0.6280% | 6,453 |
| Return on Equity (ROE) | -5.4797% | 6,439 |
| Retained earnings to average equity (ytd only) | -5.4797% | 6,262 |
| Net charge-offs to loans | 0.1044% | 2,638 |
| Credit loss provision to net charge-offs | 358.6957% | 749 |
| Earnings coverage of net charge-offs (x) | -5.0978% | 4,289 |
| Efficiency ratio | 103.5288% | 326 |
| Assets per employee ($millions) | 2.6005% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 5,946 |
| Loan loss allowance to noncurrent loans | 185.0737% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 5,016 |
| Noncurrent loans to loans | 0.4381% | 4,672 |
| Net loans and leases to total assets | 77.2662% | 1,010 |
| Net loans and leases to deposits | 89.8660% | 1,384 |
| Net loans and leases to core deposits | 99.1203% | 1,352 |
| Total domestic deposits to total assets | 85.9794% | 3,050 |
| Equity capital to assets | 11.4929% | 2,431 |
| Core capital (leverage) ratio | 9.8323% | 3,841 |
| Tier 1 risk-based capital ratio | 11.8917% | 5,600 |
| Total risk-based capital ratio | 12.8895% | 5,674 |
| Memoranda: | ||
| Average total assets | $501,311,330 | 1,340 |
| Average earning assets | $451,602,330 | 1,365 |
| Average equity | $57,448,670 | 1,270 |
| Average total loans | $352,514,330 | 1,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,794 |
| Cost of funding earning assets | 0.3749% | 4,255 |
| Net interest margin | 3.5988% | 3,246 |
| Noninterest income to average assets | 3.3382% | 167 |
| Noninterest expense to average assets | 7.8162% | 114 |
| Loan and lease loss provision to assets | 0.2184% | 1,039 |
| Net operating income to assets | -1.4487% | 6,626 |
| Return on assets (ROA) | -1.4487% | 6,621 |
| Pretax return on assets | -1.4487% | 6,607 |
| Return on Equity (ROE) | -12.6600% | 6,591 |
| Retained earnings to average equity (ytd only) | -12.6600% | 6,434 |
| Net charge-offs to loans | 0.0239% | 3,091 |
| Credit loss provision to net charge-offs | 1,375.0000% | 245 |
| Earnings coverage of net charge-offs (x) | -77.4500% | 3,646 |
| Efficiency ratio | 116.8837% | 202 |
| Assets per employee ($millions) | 2.4700% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,991 |
| Loan loss allowance to noncurrent loans | 132.8929% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,833 |
| Noncurrent loans to loans | 0.6435% | 4,251 |
| Net loans and leases to total assets | 67.1186% | 2,375 |
| Net loans and leases to deposits | 77.6029% | 2,617 |
| Net loans and leases to core deposits | 85.4496% | 2,372 |
| Total domestic deposits to total assets | 86.4898% | 3,111 |
| Equity capital to assets | 11.2609% | 2,468 |
| Core capital (leverage) ratio | 9.5823% | 4,156 |
| Tier 1 risk-based capital ratio | 13.2145% | 4,886 |
| Total risk-based capital ratio | 14.2525% | 4,932 |
| Memoranda: | ||
| Average total assets | $503,619,000 | 1,340 |
| Average earning assets | $454,486,000 | 1,361 |
| Average equity | $57,630,500 | 1,260 |
| Average total loans | $335,314,000 | 1,310 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,586 |
| Cost of funding earning assets | 0.3380% | 5,263 |
| Net interest margin | 4.3571% | 983 |
| Noninterest income to average assets | 5.1436% | 130 |
| Noninterest expense to average assets | 8.4143% | 104 |
| Loan and lease loss provision to assets | -0.0041% | 6,255 |
| Net operating income to assets | 0.5899% | 4,309 |
| Return on assets (ROA) | 0.5899% | 4,421 |
| Pretax return on assets | 0.6173% | 4,815 |
| Return on Equity (ROE) | 4.9929% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.9929% | 2,603 |
| Net charge-offs to loans | -0.1097% | 6,493 |
| Credit loss provision to net charge-offs | 5.0125% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7637% | 888 |
| Assets per employee ($millions) | 2.5946% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 6,154 |
| Loan loss allowance to noncurrent loans | 124.2297% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 4,974 |
| Noncurrent loans to loans | 0.6501% | 4,344 |
| Net loans and leases to total assets | 64.9345% | 2,882 |
| Net loans and leases to deposits | 75.4372% | 3,038 |
| Net loans and leases to core deposits | 84.2735% | 2,644 |
| Total domestic deposits to total assets | 86.0775% | 3,219 |
| Equity capital to assets | 11.6259% | 2,083 |
| Core capital (leverage) ratio | 10.1811% | 3,323 |
| Tier 1 risk-based capital ratio | 14.1496% | 4,192 |
| Total risk-based capital ratio | 15.1464% | 4,309 |
| Memoranda: | ||
| Average total assets | $484,176,600 | 1,371 |
| Average earning assets | $431,593,800 | 1,412 |
| Average equity | $57,201,200 | 1,259 |
| Average total loans | $363,879,800 | 1,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 1,670 |
| Cost of funding earning assets | 0.3241% | 5,513 |
| Net interest margin | 4.3482% | 991 |
| Noninterest income to average assets | 5.6171% | 125 |
| Noninterest expense to average assets | 8.8962% | 95 |
| Loan and lease loss provision to assets | 0.0195% | 4,617 |
| Net operating income to assets | 0.5443% | 4,606 |
| Return on assets (ROA) | 0.5443% | 4,747 |
| Pretax return on assets | 0.5632% | 5,157 |
| Return on Equity (ROE) | 4.5880% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.5880% | 3,409 |
| Net charge-offs to loans | 0.0297% | 4,536 |
| Credit loss provision to net charge-offs | 84.3373% | 2,743 |
| Earnings coverage of net charge-offs (x) | 25.2418% | 1,393 |
| Efficiency ratio | 92.4415% | 827 |
| Assets per employee ($millions) | 2.4863% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 6,473 |
| Loan loss allowance to noncurrent loans | 98.1401% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 4,979 |
| Noncurrent loans to loans | 0.6828% | 4,493 |
| Net loans and leases to total assets | 70.4528% | 1,883 |
| Net loans and leases to deposits | 82.4998% | 2,075 |
| Net loans and leases to core deposits | 92.4349% | 1,727 |
| Total domestic deposits to total assets | 85.3975% | 3,543 |
| Equity capital to assets | 12.0436% | 1,891 |
| Core capital (leverage) ratio | 9.9895% | 3,694 |
| Tier 1 risk-based capital ratio | 13.9763% | 4,451 |
| Total risk-based capital ratio | 14.7873% | 4,687 |
| Memoranda: | ||
| Average total assets | $479,382,750 | 1,389 |
| Average earning assets | $425,757,500 | 1,439 |
| Average equity | $56,871,750 | 1,269 |
| Average total loans | $372,472,250 | 1,145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 1,670 |
| Cost of funding earning assets | 0.3157% | 5,708 |
| Net interest margin | 4.3472% | 942 |
| Noninterest income to average assets | 6.5276% | 109 |
| Noninterest expense to average assets | 9.5881% | 88 |
| Loan and lease loss provision to assets | 0.0167% | 4,560 |
| Net operating income to assets | 0.7424% | 3,607 |
| Return on assets (ROA) | 0.7424% | 3,759 |
| Pretax return on assets | 0.7774% | 4,401 |
| Return on Equity (ROE) | 6.2896% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.2896% | 2,269 |
| Net charge-offs to loans | 0.0380% | 4,149 |
| Credit loss provision to net charge-offs | 54.7945% | 3,122 |
| Earnings coverage of net charge-offs (x) | 26.1096% | 1,247 |
| Efficiency ratio | 91.0193% | 979 |
| Assets per employee ($millions) | 2.4553% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 6,585 |
| Loan loss allowance to noncurrent loans | 98.8377% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 5,014 |
| Noncurrent loans to loans | 0.6304% | 4,679 |
| Net loans and leases to total assets | 78.9184% | 644 |
| Net loans and leases to deposits | 93.0917% | 877 |
| Net loans and leases to core deposits | 104.9277% | 800 |
| Total domestic deposits to total assets | 84.7750% | 4,008 |
| Equity capital to assets | 11.8693% | 1,991 |
| Core capital (leverage) ratio | 9.8265% | 3,763 |
| Tier 1 risk-based capital ratio | 12.5718% | 5,453 |
| Total risk-based capital ratio | 13.3936% | 5,653 |
| Memoranda: | ||
| Average total assets | $480,055,330 | 1,389 |
| Average earning assets | $425,655,670 | 1,436 |
| Average equity | $56,665,000 | 1,273 |
| Average total loans | $383,767,670 | 1,112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 1,454 |
| Cost of funding earning assets | 0.3091% | 5,902 |
| Net interest margin | 4.4226% | 774 |
| Noninterest income to average assets | 6.0167% | 119 |
| Noninterest expense to average assets | 9.6958% | 86 |
| Loan and lease loss provision to assets | -0.1835% | 6,890 |
| Net operating income to assets | 0.4322% | 4,992 |
| Return on assets (ROA) | 0.4322% | 5,151 |
| Pretax return on assets | 0.4322% | 5,464 |
| Return on Equity (ROE) | 3.6713% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.6713% | 4,030 |
| Net charge-offs to loans | 0.0166% | 3,824 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,681 |
| Earnings coverage of net charge-offs (x) | 18.6250% | 1,254 |
| Efficiency ratio | 96.3674% | 712 |
| Assets per employee ($millions) | 2.5340% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 6,753 |
| Loan loss allowance to noncurrent loans | 69.6960% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 3,310 |
| Noncurrent loans to loans | 0.7898% | 4,543 |
| Net loans and leases to total assets | 79.6364% | 456 |
| Net loans and leases to deposits | 91.9384% | 805 |
| Net loans and leases to core deposits | 107.5892% | 576 |
| Total domestic deposits to total assets | 86.6193% | 3,169 |
| Equity capital to assets | 11.4765% | 2,431 |
| Core capital (leverage) ratio | 9.9474% | 3,461 |
| Tier 1 risk-based capital ratio | 12.5179% | 5,564 |
| Total risk-based capital ratio | 13.2844% | 5,852 |
| Memoranda: | ||
| Average total assets | $479,463,000 | 1,401 |
| Average earning assets | $425,809,000 | 1,449 |
| Average equity | $56,437,500 | 1,293 |
| Average total loans | $384,567,500 | 1,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 1,192 |
| Cost of funding earning assets | 0.2283% | 6,758 |
| Net interest margin | 4.9290% | 428 |
| Noninterest income to average assets | 5.1714% | 138 |
| Noninterest expense to average assets | 9.0522% | 95 |
| Loan and lease loss provision to assets | 0.3353% | 2,008 |
| Net operating income to assets | 0.1506% | 5,891 |
| Return on assets (ROA) | 0.2965% | 5,687 |
| Pretax return on assets | 0.3002% | 5,815 |
| Return on Equity (ROE) | 2.6624% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.6624% | 4,361 |
| Net charge-offs to loans | 0.4078% | 2,624 |
| Credit loss provision to net charge-offs | 105.1573% | 2,836 |
| Earnings coverage of net charge-offs (x) | 1.5306% | 4,677 |
| Efficiency ratio | 93.5846% | 823 |
| Assets per employee ($millions) | 2.4724% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 6,706 |
| Loan loss allowance to noncurrent loans | 46.1215% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 2,574 |
| Noncurrent loans to loans | 1.4015% | 3,500 |
| Net loans and leases to total assets | 79.8277% | 490 |
| Net loans and leases to deposits | 96.6431% | 581 |
| Net loans and leases to core deposits | 104.8864% | 736 |
| Total domestic deposits to total assets | 82.6004% | 4,886 |
| Equity capital to assets | 12.0840% | 1,994 |
| Core capital (leverage) ratio | 10.1766% | 3,167 |
| Tier 1 risk-based capital ratio | 12.2058% | 5,656 |
| Total risk-based capital ratio | 13.0053% | 5,896 |
| Memoranda: | ||
| Average total assets | $358,797,400 | 1,811 |
| Average earning assets | $318,017,000 | 1,863 |
| Average equity | $39,963,400 | 1,741 |
| Average total loans | $280,527,200 | 1,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 1,686 |
| Cost of funding earning assets | 0.2828% | 6,684 |
| Net interest margin | 4.7227% | 642 |
| Noninterest income to average assets | 4.5541% | 162 |
| Noninterest expense to average assets | 8.4200% | 100 |
| Loan and lease loss provision to assets | 0.1521% | 3,636 |
| Net operating income to assets | 0.1670% | 5,993 |
| Return on assets (ROA) | 0.3772% | 5,546 |
| Pretax return on assets | 0.3824% | 5,755 |
| Return on Equity (ROE) | 3.4899% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.4899% | 4,413 |
| Net charge-offs to loans | 0.5887% | 1,862 |
| Credit loss provision to net charge-offs | 33.3627% | 4,740 |
| Earnings coverage of net charge-offs (x) | 0.7069% | 4,970 |
| Efficiency ratio | 94.8917% | 717 |
| Assets per employee ($millions) | 2.5848% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 6,984 |
| Loan loss allowance to noncurrent loans | 25.5027% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 2,527 |
| Noncurrent loans to loans | 1.7593% | 3,140 |
| Net loans and leases to total assets | 76.2083% | 947 |
| Net loans and leases to deposits | 94.5056% | 752 |
| Net loans and leases to core deposits | 104.8441% | 819 |
| Total domestic deposits to total assets | 80.6389% | 5,472 |
| Equity capital to assets | 12.0499% | 2,212 |
| Core capital (leverage) ratio | 10.0036% | 3,536 |
| Tier 1 risk-based capital ratio | 12.5817% | 5,579 |
| Total risk-based capital ratio | 13.1686% | 5,969 |
| Memoranda: | ||
| Average total assets | $332,295,500 | 1,959 |
| Average earning assets | $294,681,500 | 2,026 |
| Average equity | $35,912,500 | 1,943 |
| Average total loans | $257,294,750 | 1,621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 3,157 |
| Cost of funding earning assets | 0.2351% | 6,957 |
| Net interest margin | 4.4099% | 1,176 |
| Noninterest income to average assets | 1.2918% | 850 |
| Noninterest expense to average assets | 6.7402% | 154 |
| Loan and lease loss provision to assets | 0.1854% | 3,247 |
| Net operating income to assets | -1.7085% | 7,040 |
| Return on assets (ROA) | -1.3418% | 7,005 |
| Pretax return on assets | -1.3328% | 6,979 |
| Return on Equity (ROE) | -13.2348% | 6,960 |
| Retained earnings to average equity (ytd only) | -13.2348% | 6,913 |
| Net charge-offs to loans | 0.4787% | 2,153 |
| Credit loss provision to net charge-offs | 49.7207% | 4,044 |
| Earnings coverage of net charge-offs (x) | -4.0596% | 5,432 |
| Efficiency ratio | 126.6445% | 184 |
| Assets per employee ($millions) | 2.6445% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5807% | 6,951 |
| Loan loss allowance to noncurrent loans | 27.4704% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 2.4701% | 2,260 |
| Noncurrent loans to loans | 2.1140% | 2,808 |
| Net loans and leases to total assets | 78.9347% | 623 |
| Net loans and leases to deposits | 95.6612% | 653 |
| Net loans and leases to core deposits | 113.9055% | 455 |
| Total domestic deposits to total assets | 82.5148% | 4,946 |
| Equity capital to assets | 11.7318% | 2,380 |
| Core capital (leverage) ratio | 14.7192% | 648 |
| Tier 1 risk-based capital ratio | 11.9356% | 5,968 |
| Total risk-based capital ratio | 12.5565% | 6,309 |
| Memoranda: | ||
| Average total assets | $287,974,670 | 2,251 |
| Average earning assets | $256,923,330 | 2,290 |
| Average equity | $29,195,670 | 2,307 |
| Average total loans | $224,338,670 | 1,813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 5,218 |
| Cost of funding earning assets | 0.6647% | 4,584 |
| Net interest margin | 3.5031% | 4,681 |
| Noninterest income to average assets | 7.0380% | 103 |
| Noninterest expense to average assets | 11.4178% | 66 |
| Loan and lease loss provision to assets | 0.9424% | 455 |
| Net operating income to assets | -2.0675% | 7,160 |
| Return on assets (ROA) | -1.9839% | 7,156 |
| Pretax return on assets | -1.9820% | 7,138 |
| Return on Equity (ROE) | -23.6521% | 7,135 |
| Retained earnings to average equity (ytd only) | -23.6521% | 7,084 |
| Net charge-offs to loans | 0.1656% | 3,095 |
| Credit loss provision to net charge-offs | 746.1538% | 477 |
| Earnings coverage of net charge-offs (x) | -8.8923% | 4,690 |
| Efficiency ratio | 110.9098% | 322 |
| Assets per employee ($millions) | 1.8205% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 4,027 |
| Loan loss allowance to noncurrent loans | 108.8383% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,434 |
| Noncurrent loans to loans | 1.4051% | 4,004 |
| Net loans and leases to total assets | 72.2208% | 1,363 |
| Net loans and leases to deposits | 81.8223% | 1,958 |
| Net loans and leases to core deposits | 103.5593% | 789 |
| Total domestic deposits to total assets | 88.2654% | 2,155 |
| Equity capital to assets | 7.8608% | 6,604 |
| Core capital (leverage) ratio | 7.4579% | 6,658 |
| Tier 1 risk-based capital ratio | 11.7717% | 6,109 |
| Total risk-based capital ratio | 13.0297% | 6,085 |
| Memoranda: | ||
| Average total assets | $205,853,500 | 3,041 |
| Average earning assets | $191,372,500 | 3,004 |
| Average equity | $17,267,000 | 3,607 |
| Average total loans | $156,987,500 | 2,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 6,155 |
| Cost of funding earning assets | 0.6302% | 5,924 |
| Net interest margin | 3.5340% | 5,007 |
| Noninterest income to average assets | 2.4785% | 273 |
| Noninterest expense to average assets | 8.0785% | 102 |
| Loan and lease loss provision to assets | 0.0516% | 5,943 |
| Net operating income to assets | -2.3294% | 7,087 |
| Return on assets (ROA) | -2.3004% | 7,092 |
| Pretax return on assets | -2.2997% | 7,085 |
| Return on Equity (ROE) | -18.1696% | 6,956 |
| Retained earnings to average equity (ytd only) | -18.1696% | 6,941 |
| Net charge-offs to loans | -0.0113% | 6,898 |
| Credit loss provision to net charge-offs | -666.6667% | 6,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2523% | 182 |
| Assets per employee ($millions) | 2.1599% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,176 |
| Loan loss allowance to noncurrent loans | 87.0526% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 4,336 |
| Noncurrent loans to loans | 1.4345% | 4,013 |
| Net loans and leases to total assets | 78.3995% | 664 |
| Net loans and leases to deposits | 90.2074% | 1,134 |
| Net loans and leases to core deposits | 133.9323% | 202 |
| Total domestic deposits to total assets | 86.9103% | 2,812 |
| Equity capital to assets | 8.9531% | 5,598 |
| Core capital (leverage) ratio | 11.5023% | 1,887 |
| Tier 1 risk-based capital ratio | 12.2220% | 5,670 |
| Total risk-based capital ratio | 13.4735% | 5,641 |
| Memoranda: | ||
| Average total assets | $154,930,200 | 3,718 |
| Average earning assets | $145,672,400 | 3,644 |
| Average equity | $19,615,200 | 3,198 |
| Average total loans | $106,134,400 | 3,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 5,906 |
| Cost of funding earning assets | 0.6684% | 5,945 |
| Net interest margin | 3.6444% | 4,598 |
| Noninterest income to average assets | 1.9779% | 385 |
| Noninterest expense to average assets | 7.6636% | 113 |
| Loan and lease loss provision to assets | -0.0463% | 7,330 |
| Net operating income to assets | -2.2020% | 7,174 |
| Return on assets (ROA) | -2.2020% | 7,180 |
| Pretax return on assets | -2.2011% | 7,162 |
| Return on Equity (ROE) | -15.7967% | 7,029 |
| Retained earnings to average equity (ytd only) | -15.7967% | 7,004 |
| Net charge-offs to loans | -0.0100% | 6,781 |
| Credit loss provision to net charge-offs | 714.2857% | 377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.4943% | 177 |
| Assets per employee ($millions) | 2.0287% | 7,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 3,258 |
| Loan loss allowance to noncurrent loans | 96.1216% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 4,156 |
| Noncurrent loans to loans | 1.7709% | 3,681 |
| Net loans and leases to total assets | 73.5275% | 1,407 |
| Net loans and leases to deposits | 91.8980% | 1,022 |
| Net loans and leases to core deposits | 106.9498% | 811 |
| Total domestic deposits to total assets | 80.0099% | 5,731 |
| Equity capital to assets | 13.2148% | 1,509 |
| Core capital (leverage) ratio | 13.3281% | 1,099 |
| Tier 1 risk-based capital ratio | 16.8062% | 2,719 |
| Total risk-based capital ratio | 18.0625% | 2,689 |
| Memoranda: | ||
| Average total assets | $143,984,500 | 3,924 |
| Average earning assets | $135,839,000 | 3,839 |
| Average equity | $20,071,250 | 3,131 |
| Average total loans | $93,228,000 | 3,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 5,975 |
| Cost of funding earning assets | 0.6693% | 6,126 |
| Net interest margin | 3.6440% | 4,545 |
| Noninterest income to average assets | 1.3295% | 713 |
| Noninterest expense to average assets | 7.4698% | 121 |
| Loan and lease loss provision to assets | -0.0695% | 7,412 |
| Net operating income to assets | -2.6006% | 7,274 |
| Return on assets (ROA) | -2.6006% | 7,279 |
| Pretax return on assets | -2.5992% | 7,261 |
| Return on Equity (ROE) | -18.3377% | 7,133 |
| Retained earnings to average equity (ytd only) | -18.3377% | 7,114 |
| Net charge-offs to loans | -0.0136% | 6,749 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5845% | 132 |
| Assets per employee ($millions) | 2.1425% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 2,072 |
| Loan loss allowance to noncurrent loans | 89.5894% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 3,967 |
| Noncurrent loans to loans | 2.3676% | 3,023 |
| Net loans and leases to total assets | 61.6864% | 3,950 |
| Net loans and leases to deposits | 76.2907% | 3,412 |
| Net loans and leases to core deposits | 92.6766% | 2,056 |
| Total domestic deposits to total assets | 80.8571% | 5,580 |
| Equity capital to assets | 14.2699% | 1,005 |
| Core capital (leverage) ratio | 13.6186% | 966 |
| Tier 1 risk-based capital ratio | 20.0107% | 1,607 |
| Total risk-based capital ratio | 21.2697% | 1,582 |
| Memoranda: | ||
| Average total assets | $143,967,330 | 3,956 |
| Average earning assets | $137,157,670 | 3,834 |
| Average equity | $20,417,000 | 3,073 |
| Average total loans | $88,390,670 | 3,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 6,332 |
| Cost of funding earning assets | 0.6096% | 6,570 |
| Net interest margin | 3.5675% | 4,734 |
| Noninterest income to average assets | 0.9119% | 1,621 |
| Noninterest expense to average assets | 6.9720% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.6135% | 7,354 |
| Return on assets (ROA) | -2.6135% | 7,355 |
| Pretax return on assets | -2.6135% | 7,338 |
| Return on Equity (ROE) | -18.4819% | 7,198 |
| Retained earnings to average equity (ytd only) | -18.4819% | 7,127 |
| Net charge-offs to loans | -0.0224% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.9626% | 123 |
| Assets per employee ($millions) | 2.4383% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.4771% | 4,561 |
| Net loans and leases to deposits | 71.1661% | 4,174 |
| Net loans and leases to core deposits | 84.5391% | 3,095 |
| Total domestic deposits to total assets | 82.1699% | 5,241 |
| Equity capital to assets | 14.1654% | 958 |
| Core capital (leverage) ratio | 15.3777% | 592 |
| Tier 1 risk-based capital ratio | 21.7530% | 1,270 |
| Total risk-based capital ratio | 23.0137% | 1,238 |
| Memoranda: | ||
| Average total assets | $147,390,500 | 3,925 |
| Average earning assets | $142,395,000 | 3,784 |
| Average equity | $20,842,000 | 3,003 |
| Average total loans | $89,377,000 | 3,991 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 4,941 |
| Cost of funding earning assets | 0.7590% | 6,706 |
| Net interest margin | 4.1554% | 2,347 |
| Noninterest income to average assets | 0.2731% | 5,832 |
| Noninterest expense to average assets | 4.9779% | 417 |
| Loan and lease loss provision to assets | 0.5308% | 3,030 |
| Net operating income to assets | -1.2310% | 6,796 |
| Return on assets (ROA) | -1.2164% | 6,815 |
| Pretax return on assets | -1.2156% | 6,748 |
| Return on Equity (ROE) | -7.5875% | 6,594 |
| Retained earnings to average equity (ytd only) | -7.5875% | 6,501 |
| Net charge-offs to loans | 0.0619% | 6,167 |
| Credit loss provision to net charge-offs | 1,371.6981% | 168 |
| Earnings coverage of net charge-offs (x) | -18.0755% | 6,816 |
| Efficiency ratio | 116.3481% | 449 |
| Assets per employee ($millions) | 3.0185% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 2,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.2102% | 4,644 |
| Net loans and leases to deposits | 73.0774% | 4,347 |
| Net loans and leases to core deposits | 85.2344% | 3,434 |
| Total domestic deposits to total assets | 82.3923% | 5,062 |
| Equity capital to assets | 14.1171% | 998 |
| Core capital (leverage) ratio | 16.5995% | 438 |
| Tier 1 risk-based capital ratio | 21.1768% | 1,289 |
| Total risk-based capital ratio | 22.4351% | 1,268 |
| Memoranda: | ||
| Average total assets | $136,964,800 | 4,121 |
| Average earning assets | $132,021,400 | 3,975 |
| Average equity | $21,957,200 | 2,881 |
| Average total loans | $85,565,600 | 4,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 4,542 |
| Cost of funding earning assets | 0.8035% | 6,751 |
| Net interest margin | 4.2562% | 2,009 |
| Noninterest income to average assets | 0.1628% | 6,701 |
| Noninterest expense to average assets | 4.8048% | 446 |
| Loan and lease loss provision to assets | 0.7262% | 2,103 |
| Net operating income to assets | -1.2736% | 7,014 |
| Return on assets (ROA) | -1.2536% | 7,033 |
| Pretax return on assets | -1.2526% | 6,957 |
| Return on Equity (ROE) | -7.5646% | 6,814 |
| Retained earnings to average equity (ytd only) | -7.5646% | 6,743 |
| Net charge-offs to loans | 0.1066% | 5,478 |
| Credit loss provision to net charge-offs | 1,085.0746% | 274 |
| Earnings coverage of net charge-offs (x) | -8.1643% | 6,617 |
| Efficiency ratio | 112.8313% | 481 |
| Assets per employee ($millions) | 4.1392% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 1,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 61.5147% | 4,628 |
| Net loans and leases to deposits | 77.3462% | 3,943 |
| Net loans and leases to core deposits | 93.6292% | 2,575 |
| Total domestic deposits to total assets | 79.5316% | 5,855 |
| Equity capital to assets | 16.4632% | 597 |
| Core capital (leverage) ratio | 16.4803% | 494 |
| Tier 1 risk-based capital ratio | 23.0054% | 1,074 |
| Total risk-based capital ratio | 24.2650% | 1,037 |
| Memoranda: | ||
| Average total assets | $133,475,250 | 4,240 |
| Average earning assets | $128,436,000 | 4,099 |
| Average equity | $22,120,000 | 2,907 |
| Average total loans | $83,770,000 | 4,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 4,811 |
| Cost of funding earning assets | 0.8253% | 6,833 |
| Net interest margin | 4.2028% | 2,150 |
| Noninterest income to average assets | 0.1465% | 6,852 |
| Noninterest expense to average assets | 4.6556% | 493 |
| Loan and lease loss provision to assets | 0.8639% | 1,686 |
| Net operating income to assets | -1.3332% | 7,089 |
| Return on assets (ROA) | -1.3033% | 7,086 |
| Pretax return on assets | -1.3018% | 7,010 |
| Return on Equity (ROE) | -7.8471% | 6,880 |
| Retained earnings to average equity (ytd only) | -7.8471% | 6,800 |
| Net charge-offs to loans | 0.2097% | 4,353 |
| Credit loss provision to net charge-offs | 656.8182% | 564 |
| Earnings coverage of net charge-offs (x) | -3.5568% | 6,273 |
| Efficiency ratio | 111.1706% | 526 |
| Assets per employee ($millions) | 4.6796% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.2925% | 2,328 |
| Net loans and leases to deposits | 94.1564% | 1,255 |
| Net loans and leases to core deposits | 111.2946% | 1,078 |
| Total domestic deposits to total assets | 76.7792% | 6,552 |
| Equity capital to assets | 18.7452% | 358 |
| Core capital (leverage) ratio | 17.7035% | 375 |
| Tier 1 risk-based capital ratio | 22.3064% | 1,159 |
| Total risk-based capital ratio | 23.5633% | 1,131 |
| Memoranda: | ||
| Average total assets | $133,816,000 | 4,263 |
| Average earning assets | $128,675,330 | 4,115 |
| Average equity | $22,224,670 | 2,894 |
| Average total loans | $83,913,000 | 4,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 6,544 |
| Cost of funding earning assets | 0.8448% | 6,957 |
| Net interest margin | 3.7620% | 3,952 |
| Noninterest income to average assets | 0.1406% | 6,972 |
| Noninterest expense to average assets | 4.4857% | 587 |
| Loan and lease loss provision to assets | 1.0406% | 1,187 |
| Net operating income to assets | -1.7662% | 7,404 |
| Return on assets (ROA) | -1.7127% | 7,394 |
| Pretax return on assets | -1.7127% | 7,321 |
| Return on Equity (ROE) | -10.8886% | 7,163 |
| Retained earnings to average equity (ytd only) | -10.8886% | 7,006 |
| Net charge-offs to loans | 0.4303% | 2,754 |
| Credit loss provision to net charge-offs | 415.7303% | 997 |
| Earnings coverage of net charge-offs (x) | -2.8989% | 5,499 |
| Efficiency ratio | 119.2969% | 450 |
| Assets per employee ($millions) | 5.3181% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 2,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.0837% | 4,519 |
| Net loans and leases to deposits | 79.4474% | 3,754 |
| Net loans and leases to core deposits | 97.4055% | 2,405 |
| Total domestic deposits to total assets | 79.4031% | 5,988 |
| Equity capital to assets | 16.6180% | 579 |
| Core capital (leverage) ratio | 16.0290% | 575 |
| Tier 1 risk-based capital ratio | 23.2200% | 1,040 |
| Total risk-based capital ratio | 24.4743% | 1,026 |
| Memoranda: | ||
| Average total assets | $142,229,000 | 4,156 |
| Average earning assets | $136,842,000 | 4,017 |
| Average equity | $22,372,000 | 2,895 |
| Average total loans | $82,735,500 | 4,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 7,396 |
| Cost of funding earning assets | 0.8245% | 7,519 |
| Net interest margin | 3.6597% | 4,312 |
| Noninterest income to average assets | 0.1271% | 7,113 |
| Noninterest expense to average assets | 5.4236% | 405 |
| Loan and lease loss provision to assets | 1.0638% | 2,154 |
| Net operating income to assets | -2.9759% | 7,383 |
| Return on assets (ROA) | -2.9759% | 7,398 |
| Pretax return on assets | -2.9750% | 7,284 |
| Return on Equity (ROE) | -13.8381% | 6,870 |
| Retained earnings to average equity (ytd only) | -13.8381% | 6,805 |
| Net charge-offs to loans | 1.3814% | 1,817 |
| Credit loss provision to net charge-offs | 123.9496% | 4,243 |
| Earnings coverage of net charge-offs (x) | -2.2269% | 7,016 |
| Efficiency ratio | 154.4148% | 288 |
| Assets per employee ($millions) | 5.6113% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.0857% | 6,412 |
| Net loans and leases to deposits | 67.9371% | 5,838 |
| Net loans and leases to core deposits | 127.9995% | 1,395 |
| Total domestic deposits to total assets | 76.6676% | 6,557 |
| Equity capital to assets | 14.9499% | 923 |
| Core capital (leverage) ratio | 18.8940% | 344 |
| Tier 1 risk-based capital ratio | 25.7918% | 775 |
| Total risk-based capital ratio | 27.0442% | 768 |
| Memoranda: | ||
| Average total assets | $110,923,400 | 4,796 |
| Average earning assets | $102,605,000 | 4,774 |
| Average equity | $23,854,400 | 2,741 |
| Average total loans | $68,913,800 | 4,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 7,210 |
| Cost of funding earning assets | 0.8643% | 7,611 |
| Net interest margin | 3.8836% | 3,291 |
| Noninterest income to average assets | 0.1297% | 7,235 |
| Noninterest expense to average assets | 6.1044% | 294 |
| Loan and lease loss provision to assets | 1.4500% | 1,323 |
| Net operating income to assets | -3.8949% | 7,735 |
| Return on assets (ROA) | -3.8949% | 7,737 |
| Pretax return on assets | -3.8936% | 7,672 |
| Return on Equity (ROE) | -16.2499% | 7,247 |
| Retained earnings to average equity (ytd only) | -16.2499% | 7,198 |
| Net charge-offs to loans | 1.9683% | 1,008 |
| Credit loss provision to net charge-offs | 112.2951% | 4,521 |
| Earnings coverage of net charge-offs (x) | -1.8924% | 6,732 |
| Efficiency ratio | 166.7510% | 251 |
| Assets per employee ($millions) | 4.2315% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.1830% | 4,606 |
| Net loans and leases to deposits | 95.7795% | 1,605 |
| Net loans and leases to core deposits | 140.5641% | 888 |
| Total domestic deposits to total assets | 68.0552% | 7,565 |
| Equity capital to assets | 20.8211% | 286 |
| Core capital (leverage) ratio | 23.0168% | 208 |
| Tier 1 risk-based capital ratio | 28.7033% | 635 |
| Total risk-based capital ratio | 29.9553% | 620 |
| Memoranda: | ||
| Average total assets | $100,777,750 | 5,103 |
| Average earning assets | $91,631,250 | 5,106 |
| Average equity | $24,155,500 | 2,725 |
| Average total loans | $66,113,250 | 5,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 7,343 |
| Cost of funding earning assets | 0.9080% | 7,686 |
| Net interest margin | 3.8273% | 3,427 |
| Noninterest income to average assets | 0.1044% | 7,454 |
| Noninterest expense to average assets | 6.2130% | 300 |
| Loan and lease loss provision to assets | 1.2856% | 1,331 |
| Net operating income to assets | -3.9878% | 7,829 |
| Return on assets (ROA) | -3.9878% | 7,822 |
| Pretax return on assets | -3.9858% | 7,747 |
| Return on Equity (ROE) | -15.8557% | 7,373 |
| Retained earnings to average equity (ytd only) | -15.8557% | 7,288 |
| Net charge-offs to loans | 1.6061% | 1,180 |
| Credit loss provision to net charge-offs | 122.4172% | 3,800 |
| Earnings coverage of net charge-offs (x) | -2.5712% | 6,389 |
| Efficiency ratio | 176.8648% | 260 |
| Assets per employee ($millions) | 3.5805% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 3,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.5267% | 4,069 |
| Net loans and leases to deposits | 104.6536% | 861 |
| Net loans and leases to core deposits | 143.3892% | 863 |
| Total domestic deposits to total assets | 65.4795% | 7,767 |
| Equity capital to assets | 22.8133% | 256 |
| Core capital (leverage) ratio | 26.2374% | 184 |
| Tier 1 risk-based capital ratio | 28.8402% | 672 |
| Total risk-based capital ratio | 30.0918% | 659 |
| Memoranda: | ||
| Average total assets | $97,697,670 | 5,224 |
| Average earning assets | $87,005,670 | 5,301 |
| Average equity | $24,571,670 | 2,680 |
| Average total loans | $63,881,670 | 5,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 7,523 |
| Cost of funding earning assets | 1.0645% | 7,577 |
| Net interest margin | 3.6222% | 4,227 |
| Noninterest income to average assets | 0.0719% | 7,702 |
| Noninterest expense to average assets | 6.0911% | 283 |
| Loan and lease loss provision to assets | 0.7355% | 1,746 |
| Net operating income to assets | -3.6479% | 7,940 |
| Return on assets (ROA) | -3.6479% | 7,933 |
| Pretax return on assets | -3.6479% | 7,862 |
| Return on Equity (ROE) | -13.8005% | 7,556 |
| Retained earnings to average equity (ytd only) | -13.8005% | 7,369 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.6223% | 214 |
| Assets per employee ($millions) | 3.8888% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 1,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.5495% | 5,228 |
| Net loans and leases to deposits | 100.3913% | 1,358 |
| Net loans and leases to core deposits | 146.6573% | 829 |
| Total domestic deposits to total assets | 62.3057% | 7,900 |
| Equity capital to assets | 25.3767% | 217 |
| Core capital (leverage) ratio | 27.8101% | 179 |
| Tier 1 risk-based capital ratio | 35.7890% | 412 |
| Total risk-based capital ratio | 37.0455% | 402 |
| Memoranda: | ||
| Average total assets | $94,629,500 | 5,350 |
| Average earning assets | $81,167,000 | 5,515 |
| Average equity | $25,013,500 | 2,648 |
| Average total loans | $59,700,500 | 5,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 6,995 |
| Cost of funding earning assets | 1.5155% | 7,586 |
| Net interest margin | 4.1108% | 2,664 |
| Noninterest income to average assets | 0.0850% | 7,713 |
| Noninterest expense to average assets | 8.8010% | 184 |
| Loan and lease loss provision to assets | 1.1322% | 1,284 |
| Net operating income to assets | -6.2479% | 8,163 |
| Return on assets (ROA) | -6.2479% | 8,155 |
| Pretax return on assets | -6.2463% | 8,117 |
| Return on Equity (ROE) | -18.6476% | 7,732 |
| Retained earnings to average equity (ytd only) | -18.6476% | 7,645 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 238.7125% | 152 |
| Assets per employee ($millions) | 3.8350% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 1,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.3505% | 5,718 |
| Net loans and leases to deposits | 99.1902% | 1,960 |
| Net loans and leases to core deposits | 145.5935% | 1,026 |
| Total domestic deposits to total assets | 61.8514% | 7,891 |
| Equity capital to assets | 27.5489% | 207 |
| Core capital (leverage) ratio | 34.2265% | 141 |
| Tier 1 risk-based capital ratio | 40.6554% | 328 |
| Total risk-based capital ratio | 41.9100% | 316 |
| Memoranda: | ||
| Average total assets | $62,356,600 | 6,304 |
| Average earning assets | $54,636,000 | 6,380 |
| Average equity | $20,892,800 | 3,106 |
| Average total loans | $39,779,000 | 6,166 |