Home > Bank of Palatine > Performance and Condition Ratios
Bank of Palatine, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2484% | 6,541 |
| Cost of funding earning assets | 0.1812% | 6,065 |
| Net interest margin | 2.0672% | 6,499 |
| Noninterest income to average assets | 0.2638% | 5,316 |
| Noninterest expense to average assets | 3.2997% | 1,925 |
| Loan and lease loss provision to assets | 0.0709% | 2,856 |
| Net operating income to assets | -1.1301% | 6,542 |
| Return on assets (ROA) | -1.1301% | 6,541 |
| Pretax return on assets | -1.1301% | 6,527 |
| Return on Equity (ROE) | -37.2969% | 6,627 |
| Retained earnings to average equity (ytd only) | -37.2969% | 6,612 |
| Net charge-offs to loans | 1.5987% | 166 |
| Credit loss provision to net charge-offs | 15.1261% | 3,254 |
| Earnings coverage of net charge-offs (x) | -2.2605% | 4,248 |
| Efficiency ratio | 147.2759% | 61 |
| Assets per employee ($millions) | 2.5999% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0601% | 166 |
| Loan loss allowance to noncurrent loans | 110.6931% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1904% | 778 |
| Noncurrent loans to loans | 3.6679% | 703 |
| Net loans and leases to total assets | 26.7399% | 6,399 |
| Net loans and leases to deposits | 28.0042% | 6,460 |
| Net loans and leases to core deposits | 28.8066% | 6,464 |
| Total domestic deposits to total assets | 95.4856% | 25 |
| Equity capital to assets | 2.9576% | 6,629 |
| Core capital (leverage) ratio | 2.8653% | 6,635 |
| Tier 1 risk-based capital ratio | 9.5191% | 6,491 |
| Total risk-based capital ratio | 10.7989% | 6,469 |
| Memoranda: | ||
| Average total assets | $50,792,330 | 5,883 |
| Average earning assets | $48,567,330 | 5,823 |
| Average equity | $1,539,000 | 6,596 |
| Average total loans | $14,887,330 | 6,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2084% | 6,620 |
| Cost of funding earning assets | 0.1780% | 6,184 |
| Net interest margin | 2.0304% | 6,582 |
| Noninterest income to average assets | 0.2175% | 5,615 |
| Noninterest expense to average assets | 3.2861% | 1,978 |
| Loan and lease loss provision to assets | 0.0699% | 2,734 |
| Net operating income to assets | -1.1886% | 6,601 |
| Return on assets (ROA) | -1.1886% | 6,596 |
| Pretax return on assets | -1.1886% | 6,587 |
| Return on Equity (ROE) | -38.7833% | 6,680 |
| Retained earnings to average equity (ytd only) | -38.7833% | 6,649 |
| Net charge-offs to loans | 1.7609% | 162 |
| Credit loss provision to net charge-offs | 13.2353% | 2,578 |
| Earnings coverage of net charge-offs (x) | -2.1176% | 3,538 |
| Efficiency ratio | 151.6129% | 59 |
| Assets per employee ($millions) | 2.6697% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8832% | 207 |
| Loan loss allowance to noncurrent loans | 61.8950% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.8271% | 1,046 |
| Noncurrent loans to loans | 6.2738% | 275 |
| Net loans and leases to total assets | 29.3273% | 6,379 |
| Net loans and leases to deposits | 30.6804% | 6,468 |
| Net loans and leases to core deposits | 31.5350% | 6,468 |
| Total domestic deposits to total assets | 95.5899% | 26 |
| Equity capital to assets | 2.9848% | 6,691 |
| Core capital (leverage) ratio | 3.0882% | 6,700 |
| Tier 1 risk-based capital ratio | 9.6112% | 6,534 |
| Total risk-based capital ratio | 10.8849% | 6,511 |
| Memoranda: | ||
| Average total assets | $51,489,500 | 5,924 |
| Average earning assets | $49,448,500 | 5,856 |
| Average equity | $1,578,000 | 6,657 |
| Average total loans | $15,447,000 | 6,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2125% | 6,685 |
| Cost of funding earning assets | 0.2011% | 6,289 |
| Net interest margin | 2.0114% | 6,645 |
| Noninterest income to average assets | 0.2922% | 5,261 |
| Noninterest expense to average assets | 3.2413% | 2,307 |
| Loan and lease loss provision to assets | 0.2260% | 1,611 |
| Net operating income to assets | -1.2458% | 6,645 |
| Return on assets (ROA) | -1.2458% | 6,645 |
| Pretax return on assets | -1.2458% | 6,637 |
| Return on Equity (ROE) | -34.1699% | 6,740 |
| Retained earnings to average equity (ytd only) | -34.1699% | 6,737 |
| Net charge-offs to loans | 0.0555% | 4,457 |
| Credit loss provision to net charge-offs | 1,366.6667% | 184 |
| Earnings coverage of net charge-offs (x) | -61.6667% | 5,459 |
| Efficiency ratio | 145.9057% | 70 |
| Assets per employee ($millions) | 2.7503% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2810% | 163 |
| Loan loss allowance to noncurrent loans | 50.0379% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.4102% | 874 |
| Noncurrent loans to loans | 8.5555% | 166 |
| Net loans and leases to total assets | 28.2404% | 6,519 |
| Net loans and leases to deposits | 29.6052% | 6,591 |
| Net loans and leases to core deposits | 30.4067% | 6,595 |
| Total domestic deposits to total assets | 95.3899% | 39 |
| Equity capital to assets | 3.1423% | 6,760 |
| Core capital (leverage) ratio | 3.3394% | 6,768 |
| Tier 1 risk-based capital ratio | 10.3050% | 6,432 |
| Total risk-based capital ratio | 11.5857% | 6,380 |
| Memoranda: | ||
| Average total assets | $54,422,600 | 5,907 |
| Average earning assets | $52,203,400 | 5,829 |
| Average equity | $1,984,200 | 6,688 |
| Average total loans | $16,228,400 | 6,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2595% | 6,763 |
| Cost of funding earning assets | 0.2050% | 6,380 |
| Net interest margin | 2.0545% | 6,711 |
| Noninterest income to average assets | 0.1892% | 6,058 |
| Noninterest expense to average assets | 3.2093% | 2,338 |
| Loan and lease loss provision to assets | 0.2765% | 1,258 |
| Net operating income to assets | -1.3269% | 6,742 |
| Return on assets (ROA) | -1.3269% | 6,743 |
| Pretax return on assets | -1.3269% | 6,739 |
| Return on Equity (ROE) | -35.2371% | 6,828 |
| Retained earnings to average equity (ytd only) | -35.2371% | 6,824 |
| Net charge-offs to loans | -0.0081% | 5,851 |
| Credit loss provision to net charge-offs | -11,400.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.6517% | 77 |
| Assets per employee ($millions) | 2.7348% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3039% | 192 |
| Loan loss allowance to noncurrent loans | 43.2592% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 4.0165% | 774 |
| Noncurrent loans to loans | 9.9492% | 137 |
| Net loans and leases to total assets | 28.2847% | 6,587 |
| Net loans and leases to deposits | 29.6580% | 6,670 |
| Net loans and leases to core deposits | 30.6891% | 6,675 |
| Total domestic deposits to total assets | 95.3696% | 34 |
| Equity capital to assets | 3.3410% | 6,834 |
| Core capital (leverage) ratio | 3.5184% | 6,842 |
| Tier 1 risk-based capital ratio | 10.8982% | 6,324 |
| Total risk-based capital ratio | 12.1814% | 6,275 |
| Memoranda: | ||
| Average total assets | $54,964,500 | 5,964 |
| Average earning assets | $52,695,500 | 5,877 |
| Average equity | $2,069,750 | 6,760 |
| Average total loans | $16,431,250 | 6,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2854% | 6,799 |
| Cost of funding earning assets | 0.2088% | 6,430 |
| Net interest margin | 2.0766% | 6,738 |
| Noninterest income to average assets | 0.2037% | 5,988 |
| Noninterest expense to average assets | 3.1984% | 2,359 |
| Loan and lease loss provision to assets | 0.3752% | 865 |
| Net operating income to assets | -1.3794% | 6,798 |
| Return on assets (ROA) | -1.3794% | 6,801 |
| Pretax return on assets | -1.3794% | 6,791 |
| Return on Equity (ROE) | -35.3966% | 6,877 |
| Retained earnings to average equity (ytd only) | -35.3966% | 6,869 |
| Net charge-offs to loans | -0.0357% | 6,141 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.7655% | 79 |
| Assets per employee ($millions) | 2.8387% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0071% | 256 |
| Loan loss allowance to noncurrent loans | 50.5410% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 3.4338% | 1,130 |
| Noncurrent loans to loans | 7.9284% | 263 |
| Net loans and leases to total assets | 29.0479% | 6,609 |
| Net loans and leases to deposits | 30.4634% | 6,689 |
| Net loans and leases to core deposits | 31.4820% | 6,696 |
| Total domestic deposits to total assets | 95.3537% | 35 |
| Equity capital to assets | 3.2780% | 6,888 |
| Core capital (leverage) ratio | 3.6915% | 6,882 |
| Tier 1 risk-based capital ratio | 11.0528% | 6,307 |
| Total risk-based capital ratio | 12.3319% | 6,276 |
| Memoranda: | ||
| Average total assets | $55,965,670 | 5,973 |
| Average earning assets | $53,645,670 | 5,873 |
| Average equity | $2,181,000 | 6,792 |
| Average total loans | $16,789,000 | 6,436 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2973% | 6,870 |
| Cost of funding earning assets | 0.2188% | 6,483 |
| Net interest margin | 2.0785% | 6,821 |
| Noninterest income to average assets | 0.2948% | 5,349 |
| Noninterest expense to average assets | 3.1098% | 2,644 |
| Loan and lease loss provision to assets | 0.0632% | 3,576 |
| Net operating income to assets | -0.8775% | 6,780 |
| Return on assets (ROA) | -0.8775% | 6,792 |
| Pretax return on assets | -0.8775% | 6,772 |
| Return on Equity (ROE) | -20.9424% | 6,901 |
| Retained earnings to average equity (ytd only) | -20.9424% | 6,839 |
| Net charge-offs to loans | -0.0235% | 5,795 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4740% | 124 |
| Assets per employee ($millions) | 2.9569% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2448% | 522 |
| Loan loss allowance to noncurrent loans | 26.2512% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 4.7845% | 778 |
| Noncurrent loans to loans | 12.3607% | 127 |
| Net loans and leases to total assets | 29.5095% | 6,621 |
| Net loans and leases to deposits | 31.1788% | 6,712 |
| Net loans and leases to core deposits | 32.3455% | 6,715 |
| Total domestic deposits to total assets | 94.6460% | 54 |
| Equity capital to assets | 4.1917% | 6,932 |
| Core capital (leverage) ratio | 3.9877% | 6,937 |
| Tier 1 risk-based capital ratio | 11.8333% | 6,008 |
| Total risk-based capital ratio | 13.1032% | 5,968 |
| Memoranda: | ||
| Average total assets | $56,981,000 | 5,996 |
| Average earning assets | $54,848,000 | 5,879 |
| Average equity | $2,387,500 | 6,834 |
| Average total loans | $17,023,000 | 6,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2992% | 6,970 |
| Cost of funding earning assets | 0.3153% | 6,380 |
| Net interest margin | 1.9838% | 6,938 |
| Noninterest income to average assets | 0.2121% | 5,902 |
| Noninterest expense to average assets | 3.2257% | 2,530 |
| Loan and lease loss provision to assets | 0.3862% | 1,690 |
| Net operating income to assets | -1.5017% | 6,855 |
| Return on assets (ROA) | -1.5017% | 6,866 |
| Pretax return on assets | -1.5017% | 6,845 |
| Return on Equity (ROE) | -30.1113% | 6,954 |
| Retained earnings to average equity (ytd only) | -30.1113% | 6,936 |
| Net charge-offs to loans | 1.9654% | 372 |
| Credit loss provision to net charge-offs | 64.3678% | 4,334 |
| Earnings coverage of net charge-offs (x) | -1.8592% | 5,828 |
| Efficiency ratio | 152.8595% | 87 |
| Assets per employee ($millions) | 3.0411% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2228% | 537 |
| Loan loss allowance to noncurrent loans | 35.5512% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 3.6397% | 1,225 |
| Noncurrent loans to loans | 9.0651% | 285 |
| Net loans and leases to total assets | 28.3247% | 6,754 |
| Net loans and leases to deposits | 29.9903% | 6,831 |
| Net loans and leases to core deposits | 31.0816% | 6,827 |
| Total domestic deposits to total assets | 94.4462% | 53 |
| Equity capital to assets | 4.1883% | 6,990 |
| Core capital (leverage) ratio | 4.1940% | 6,978 |
| Tier 1 risk-based capital ratio | 12.3805% | 5,558 |
| Total risk-based capital ratio | 13.6499% | 5,491 |
| Memoranda: | ||
| Average total assets | $58,002,800 | 5,973 |
| Average earning assets | $55,498,400 | 5,875 |
| Average equity | $2,892,600 | 6,808 |
| Average total loans | $17,706,200 | 6,524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3364% | 7,078 |
| Cost of funding earning assets | 0.3341% | 6,446 |
| Net interest margin | 2.0023% | 7,037 |
| Noninterest income to average assets | 0.1906% | 6,159 |
| Noninterest expense to average assets | 3.2357% | 2,464 |
| Loan and lease loss provision to assets | 0.3123% | 2,110 |
| Net operating income to assets | -1.4445% | 6,957 |
| Return on assets (ROA) | -1.4445% | 6,969 |
| Pretax return on assets | -1.4445% | 6,947 |
| Return on Equity (ROE) | -27.8552% | 7,052 |
| Retained earnings to average equity (ytd only) | -27.8552% | 7,043 |
| Net charge-offs to loans | 1.2510% | 764 |
| Credit loss provision to net charge-offs | 80.9524% | 3,590 |
| Earnings coverage of net charge-offs (x) | -2.9346% | 5,678 |
| Efficiency ratio | 153.8210% | 81 |
| Assets per employee ($millions) | 2.8848% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7420% | 381 |
| Loan loss allowance to noncurrent loans | 36.5252% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 4.2811% | 1,101 |
| Noncurrent loans to loans | 10.2450% | 237 |
| Net loans and leases to total assets | 28.4011% | 6,866 |
| Net loans and leases to deposits | 30.2772% | 6,943 |
| Net loans and leases to core deposits | 31.3878% | 6,944 |
| Total domestic deposits to total assets | 93.8036% | 74 |
| Equity capital to assets | 4.8566% | 7,057 |
| Core capital (leverage) ratio | 4.5519% | 7,054 |
| Tier 1 risk-based capital ratio | 13.9115% | 4,596 |
| Total risk-based capital ratio | 15.1871% | 4,527 |
| Memoranda: | ||
| Average total assets | $58,058,500 | 6,041 |
| Average earning assets | $55,467,750 | 5,950 |
| Average equity | $3,010,750 | 6,866 |
| Average total loans | $17,905,000 | 6,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3629% | 7,145 |
| Cost of funding earning assets | 0.3530% | 6,500 |
| Net interest margin | 2.0099% | 7,105 |
| Noninterest income to average assets | 0.2578% | 5,730 |
| Noninterest expense to average assets | 3.1901% | 2,621 |
| Loan and lease loss provision to assets | 0.3610% | 1,831 |
| Net operating income to assets | -1.3751% | 6,993 |
| Return on assets (ROA) | -1.3751% | 7,011 |
| Pretax return on assets | -1.3751% | 6,985 |
| Return on Equity (ROE) | -25.9712% | 7,076 |
| Retained earnings to average equity (ytd only) | -25.9712% | 7,063 |
| Net charge-offs to loans | 1.3078% | 810 |
| Credit loss provision to net charge-offs | 88.2353% | 3,097 |
| Earnings coverage of net charge-offs (x) | -2.4790% | 5,397 |
| Efficiency ratio | 146.6035% | 112 |
| Assets per employee ($millions) | 2.9301% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7075% | 424 |
| Loan loss allowance to noncurrent loans | 34.7296% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 4.5220% | 1,097 |
| Noncurrent loans to loans | 10.6753% | 231 |
| Net loans and leases to total assets | 29.0297% | 6,897 |
| Net loans and leases to deposits | 30.9185% | 6,987 |
| Net loans and leases to core deposits | 32.0328% | 6,989 |
| Total domestic deposits to total assets | 93.8910% | 83 |
| Equity capital to assets | 4.7985% | 7,104 |
| Core capital (leverage) ratio | 4.9616% | 7,073 |
| Tier 1 risk-based capital ratio | 14.3320% | 4,222 |
| Total risk-based capital ratio | 15.6068% | 4,166 |
| Memoranda: | ||
| Average total assets | $58,179,670 | 6,071 |
| Average earning assets | $55,525,000 | 5,982 |
| Average equity | $3,080,330 | 6,891 |
| Average total loans | $18,199,000 | 6,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3889% | 7,196 |
| Cost of funding earning assets | 0.3764% | 6,519 |
| Net interest margin | 2.0124% | 7,162 |
| Noninterest income to average assets | 0.3519% | 5,046 |
| Noninterest expense to average assets | 2.6773% | 4,517 |
| Loan and lease loss provision to assets | 0.2346% | 2,596 |
| Net operating income to assets | -0.6417% | 6,893 |
| Return on assets (ROA) | -0.6417% | 6,915 |
| Pretax return on assets | -0.6417% | 6,883 |
| Return on Equity (ROE) | -11.5726% | 7,021 |
| Retained earnings to average equity (ytd only) | -11.5726% | 6,886 |
| Net charge-offs to loans | -0.0433% | 6,482 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9331% | 242 |
| Assets per employee ($millions) | 3.0685% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8372% | 424 |
| Loan loss allowance to noncurrent loans | 34.0415% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 4.8644% | 1,085 |
| Noncurrent loans to loans | 11.2720% | 241 |
| Net loans and leases to total assets | 30.3048% | 6,897 |
| Net loans and leases to deposits | 32.4965% | 6,998 |
| Net loans and leases to core deposits | 33.6809% | 6,999 |
| Total domestic deposits to total assets | 93.2557% | 124 |
| Equity capital to assets | 5.5299% | 7,106 |
| Core capital (leverage) ratio | 5.4676% | 7,084 |
| Tier 1 risk-based capital ratio | 15.7817% | 3,293 |
| Total risk-based capital ratio | 17.0596% | 3,246 |
| Memoranda: | ||
| Average total assets | $57,968,500 | 6,118 |
| Average earning assets | $55,256,500 | 6,021 |
| Average equity | $3,214,500 | 6,920 |
| Average total loans | $18,465,000 | 6,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6138% | 7,246 |
| Cost of funding earning assets | 0.5213% | 6,448 |
| Net interest margin | 2.0925% | 7,204 |
| Noninterest income to average assets | 0.1352% | 6,477 |
| Noninterest expense to average assets | 3.5313% | 1,908 |
| Loan and lease loss provision to assets | 0.3379% | 2,990 |
| Net operating income to assets | -1.7673% | 6,976 |
| Return on assets (ROA) | -1.4379% | 6,913 |
| Pretax return on assets | -1.4379% | 6,882 |
| Return on Equity (ROE) | -22.0136% | 7,009 |
| Retained earnings to average equity (ytd only) | -22.0136% | 6,995 |
| Net charge-offs to loans | 1.1107% | 1,548 |
| Credit loss provision to net charge-offs | 92.5926% | 3,892 |
| Earnings coverage of net charge-offs (x) | -3.9167% | 6,352 |
| Efficiency ratio | 168.0064% | 99 |
| Assets per employee ($millions) | 3.3904% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6051% | 502 |
| Loan loss allowance to noncurrent loans | 38.1849% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 4.3410% | 1,277 |
| Noncurrent loans to loans | 9.4412% | 356 |
| Net loans and leases to total assets | 31.0362% | 6,975 |
| Net loans and leases to deposits | 33.4424% | 7,061 |
| Net loans and leases to core deposits | 34.7495% | 7,064 |
| Total domestic deposits to total assets | 92.8048% | 147 |
| Equity capital to assets | 5.5608% | 7,121 |
| Core capital (leverage) ratio | 5.7148% | 7,081 |
| Tier 1 risk-based capital ratio | 16.8508% | 2,668 |
| Total risk-based capital ratio | 18.1253% | 2,622 |
| Memoranda: | ||
| Average total assets | $59,185,400 | 6,067 |
| Average earning assets | $55,627,200 | 6,000 |
| Average equity | $3,865,800 | 6,787 |
| Average total loans | $19,447,000 | 6,683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6941% | 7,323 |
| Cost of funding earning assets | 0.5618% | 6,466 |
| Net interest margin | 2.1323% | 7,280 |
| Noninterest income to average assets | 0.0627% | 6,907 |
| Noninterest expense to average assets | 3.5452% | 1,822 |
| Loan and lease loss provision to assets | 0.4745% | 2,090 |
| Net operating income to assets | -1.9606% | 7,130 |
| Return on assets (ROA) | -1.5242% | 7,057 |
| Pretax return on assets | -1.5242% | 7,022 |
| Return on Equity (ROE) | -22.5249% | 7,134 |
| Retained earnings to average equity (ytd only) | -22.5249% | 7,123 |
| Net charge-offs to loans | 1.4641% | 1,003 |
| Credit loss provision to net charge-offs | 98.1481% | 3,480 |
| Earnings coverage of net charge-offs (x) | -3.0741% | 6,062 |
| Efficiency ratio | 172.1739% | 91 |
| Assets per employee ($millions) | 3.4119% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4578% | 1,455 |
| Loan loss allowance to noncurrent loans | 26.2258% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 4.8153% | 1,211 |
| Noncurrent loans to loans | 9.3717% | 401 |
| Net loans and leases to total assets | 31.4742% | 7,037 |
| Net loans and leases to deposits | 33.9526% | 7,133 |
| Net loans and leases to core deposits | 35.4547% | 7,134 |
| Total domestic deposits to total assets | 92.7004% | 149 |
| Equity capital to assets | 7.1445% | 7,025 |
| Core capital (leverage) ratio | 7.1020% | 6,927 |
| Tier 1 risk-based capital ratio | 21.5361% | 1,362 |
| Total risk-based capital ratio | 22.8004% | 1,330 |
| Memoranda: | ||
| Average total assets | $59,572,750 | 6,105 |
| Average earning assets | $55,775,500 | 6,040 |
| Average equity | $4,031,000 | 6,793 |
| Average total loans | $19,669,500 | 6,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8424% | 7,380 |
| Cost of funding earning assets | 0.5941% | 6,492 |
| Net interest margin | 2.2483% | 7,300 |
| Noninterest income to average assets | -0.0899% | 7,280 |
| Noninterest expense to average assets | 3.4112% | 2,226 |
| Loan and lease loss provision to assets | 0.6756% | 1,426 |
| Net operating income to assets | -2.0733% | 7,203 |
| Return on assets (ROA) | -2.0733% | 7,209 |
| Pretax return on assets | -2.0733% | 7,177 |
| Return on Equity (ROE) | -31.2020% | 7,259 |
| Retained earnings to average equity (ytd only) | -31.2020% | 7,252 |
| Net charge-offs to loans | 2.0913% | 626 |
| Credit loss provision to net charge-offs | 97.1292% | 3,245 |
| Earnings coverage of net charge-offs (x) | -2.0096% | 5,713 |
| Efficiency ratio | 169.4215% | 97 |
| Assets per employee ($millions) | 3.4798% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3145% | 1,719 |
| Loan loss allowance to noncurrent loans | 26.0696% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 4.7196% | 1,319 |
| Noncurrent loans to loans | 8.8782% | 473 |
| Net loans and leases to total assets | 32.6048% | 7,091 |
| Net loans and leases to deposits | 35.0889% | 7,187 |
| Net loans and leases to core deposits | 36.6727% | 7,202 |
| Total domestic deposits to total assets | 92.9205% | 135 |
| Equity capital to assets | 6.8986% | 7,125 |
| Core capital (leverage) ratio | 6.3198% | 7,153 |
| Tier 1 risk-based capital ratio | 14.6892% | 3,679 |
| Total risk-based capital ratio | 15.8702% | 3,681 |
| Memoranda: | ||
| Average total assets | $60,096,000 | 6,135 |
| Average earning assets | $56,219,670 | 6,077 |
| Average equity | $3,993,330 | 6,846 |
| Average total loans | $19,987,330 | 6,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9209% | 7,412 |
| Cost of funding earning assets | 0.6224% | 6,510 |
| Net interest margin | 2.2986% | 7,314 |
| Noninterest income to average assets | 0.2972% | 5,537 |
| Noninterest expense to average assets | 3.3022% | 2,554 |
| Loan and lease loss provision to assets | 0.0594% | 5,256 |
| Net operating income to assets | -0.9180% | 7,018 |
| Return on assets (ROA) | -0.9180% | 7,018 |
| Pretax return on assets | -0.9180% | 6,967 |
| Return on Equity (ROE) | -14.0777% | 7,131 |
| Retained earnings to average equity (ytd only) | -14.0777% | 7,017 |
| Net charge-offs to loans | 0.4376% | 2,386 |
| Credit loss provision to net charge-offs | 40.9091% | 3,927 |
| Earnings coverage of net charge-offs (x) | -5.9091% | 5,034 |
| Efficiency ratio | 135.1351% | 231 |
| Assets per employee ($millions) | 3.5351% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 1,937 |
| Loan loss allowance to noncurrent loans | 22.6586% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 5.3581% | 1,151 |
| Noncurrent loans to loans | 9.7578% | 417 |
| Net loans and leases to total assets | 33.1187% | 7,121 |
| Net loans and leases to deposits | 35.6282% | 7,236 |
| Net loans and leases to core deposits | 37.6509% | 7,228 |
| Total domestic deposits to total assets | 92.9563% | 140 |
| Equity capital to assets | 6.9988% | 7,086 |
| Core capital (leverage) ratio | 7.0094% | 7,002 |
| Tier 1 risk-based capital ratio | 13.5750% | 4,374 |
| Total risk-based capital ratio | 14.5458% | 4,563 |
| Memoranda: | ||
| Average total assets | $60,565,500 | 6,167 |
| Average earning assets | $56,557,000 | 6,115 |
| Average equity | $3,949,500 | 6,896 |
| Average total loans | $20,108,500 | 6,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3888% | 7,546 |
| Cost of funding earning assets | 0.8397% | 6,401 |
| Net interest margin | 1.5491% | 7,543 |
| Noninterest income to average assets | -0.1468% | 7,436 |
| Noninterest expense to average assets | 3.5621% | 2,026 |
| Loan and lease loss provision to assets | 0.9268% | 1,758 |
| Net operating income to assets | -3.1761% | 7,329 |
| Return on assets (ROA) | -2.9113% | 7,297 |
| Pretax return on assets | -2.9113% | 7,273 |
| Return on Equity (ROE) | -38.0367% | 7,325 |
| Retained earnings to average equity (ytd only) | -38.0367% | 7,316 |
| Net charge-offs to loans | 0.2731% | 4,658 |
| Credit loss provision to net charge-offs | 1,019.2982% | 216 |
| Earnings coverage of net charge-offs (x) | -24.7368% | 6,826 |
| Efficiency ratio | 271.3244% | 39 |
| Assets per employee ($millions) | 3.5903% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4484% | 609 |
| Loan loss allowance to noncurrent loans | 25.1284% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 6.5274% | 870 |
| Noncurrent loans to loans | 13.7233% | 205 |
| Net loans and leases to total assets | 31.4230% | 7,305 |
| Net loans and leases to deposits | 33.9259% | 7,395 |
| Net loans and leases to core deposits | 36.2771% | 7,385 |
| Total domestic deposits to total assets | 92.6223% | 173 |
| Equity capital to assets | 6.0506% | 7,337 |
| Core capital (leverage) ratio | 5.8664% | 7,319 |
| Tier 1 risk-based capital ratio | 15.7267% | 2,876 |
| Total risk-based capital ratio | 16.9491% | 2,857 |
| Memoranda: | ||
| Average total assets | $62,687,600 | 6,102 |
| Average earning assets | $59,067,000 | 6,022 |
| Average equity | $4,798,000 | 6,726 |
| Average total loans | $20,869,400 | 6,876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4294% | 7,673 |
| Cost of funding earning assets | 0.8861% | 6,451 |
| Net interest margin | 1.5434% | 7,668 |
| Noninterest income to average assets | 0.3529% | 5,345 |
| Noninterest expense to average assets | 3.5730% | 1,845 |
| Loan and lease loss provision to assets | 0.7417% | 2,058 |
| Net operating income to assets | -2.5081% | 7,351 |
| Return on assets (ROA) | -2.1552% | 7,290 |
| Pretax return on assets | -2.1552% | 7,235 |
| Return on Equity (ROE) | -26.8014% | 7,338 |
| Retained earnings to average equity (ytd only) | -26.8014% | 7,331 |
| Net charge-offs to loans | 0.3598% | 3,863 |
| Credit loss provision to net charge-offs | 615.7895% | 479 |
| Earnings coverage of net charge-offs (x) | -14.6663% | 6,639 |
| Efficiency ratio | 197.7778% | 91 |
| Assets per employee ($millions) | 3.2311% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2962% | 1,634 |
| Loan loss allowance to noncurrent loans | 19.1257% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 5.8602% | 1,032 |
| Noncurrent loans to loans | 12.0061% | 290 |
| Net loans and leases to total assets | 29.9588% | 7,468 |
| Net loans and leases to deposits | 32.3292% | 7,538 |
| Net loans and leases to core deposits | 36.3145% | 7,496 |
| Total domestic deposits to total assets | 92.6681% | 124 |
| Equity capital to assets | 7.0781% | 7,315 |
| Core capital (leverage) ratio | 7.0753% | 7,127 |
| Tier 1 risk-based capital ratio | 18.8961% | 1,773 |
| Total risk-based capital ratio | 20.1541% | 1,736 |
| Memoranda: | ||
| Average total assets | $63,100,750 | 6,157 |
| Average earning assets | $59,436,250 | 6,080 |
| Average equity | $5,074,250 | 6,728 |
| Average total loans | $21,120,750 | 6,955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3445% | 7,755 |
| Cost of funding earning assets | 0.9236% | 6,486 |
| Net interest margin | 1.4209% | 7,751 |
| Noninterest income to average assets | 0.3163% | 5,627 |
| Noninterest expense to average assets | 3.7224% | 1,511 |
| Loan and lease loss provision to assets | 1.0896% | 1,319 |
| Net operating income to assets | -3.1537% | 7,529 |
| Return on assets (ROA) | -2.8821% | 7,501 |
| Pretax return on assets | -2.8821% | 7,449 |
| Return on Equity (ROE) | -34.4209% | 7,481 |
| Retained earnings to average equity (ytd only) | -34.4209% | 7,471 |
| Net charge-offs to loans | 0.5196% | 2,973 |
| Credit loss provision to net charge-offs | 608.9286% | 601 |
| Earnings coverage of net charge-offs (x) | -11.5357% | 6,332 |
| Efficiency ratio | 224.4701% | 70 |
| Assets per employee ($millions) | 3.1938% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1327% | 1,903 |
| Loan loss allowance to noncurrent loans | 11.9507% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 6.5064% | 859 |
| Noncurrent loans to loans | 17.8462% | 113 |
| Net loans and leases to total assets | 32.0402% | 7,482 |
| Net loans and leases to deposits | 34.6899% | 7,561 |
| Net loans and leases to core deposits | 38.7599% | 7,516 |
| Total domestic deposits to total assets | 92.3618% | 168 |
| Equity capital to assets | 7.4363% | 7,152 |
| Core capital (leverage) ratio | 7.4229% | 6,900 |
| Tier 1 risk-based capital ratio | 18.7359% | 1,781 |
| Total risk-based capital ratio | 19.9936% | 1,752 |
| Memoranda: | ||
| Average total assets | $62,593,670 | 6,211 |
| Average earning assets | $59,117,330 | 6,137 |
| Average equity | $5,241,000 | 6,700 |
| Average total loans | $21,556,000 | 6,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8378% | 7,830 |
| Cost of funding earning assets | 0.9984% | 6,387 |
| Net interest margin | 1.8394% | 7,766 |
| Noninterest income to average assets | 0.4068% | 4,858 |
| Noninterest expense to average assets | 4.0418% | 974 |
| Loan and lease loss provision to assets | 0.0581% | 6,073 |
| Net operating income to assets | -1.9563% | 7,453 |
| Return on assets (ROA) | -1.9563% | 7,455 |
| Pretax return on assets | -1.9563% | 7,402 |
| Return on Equity (ROE) | -22.0906% | 7,468 |
| Retained earnings to average equity (ytd only) | -22.0906% | 7,416 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.5542% | 110 |
| Assets per employee ($millions) | 3.0520% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 7,164 |
| Loan loss allowance to noncurrent loans | 4.9233% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 6.5237% | 873 |
| Noncurrent loans to loans | 15.9161% | 152 |
| Net loans and leases to total assets | 35.2643% | 7,451 |
| Net loans and leases to deposits | 38.6994% | 7,556 |
| Net loans and leases to core deposits | 41.9305% | 7,528 |
| Total domestic deposits to total assets | 91.1237% | 494 |
| Equity capital to assets | 8.7780% | 5,591 |
| Core capital (leverage) ratio | 8.5149% | 5,348 |
| Tier 1 risk-based capital ratio | 19.7369% | 1,574 |
| Total risk-based capital ratio | 20.3758% | 1,657 |
| Memoranda: | ||
| Average total assets | $61,952,500 | 6,311 |
| Average earning assets | $58,496,000 | 6,227 |
| Average equity | $5,486,500 | 6,680 |
| Average total loans | $21,878,000 | 7,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 7,800 |
| Cost of funding earning assets | 1.3176% | 6,249 |
| Net interest margin | 2.3364% | 7,557 |
| Noninterest income to average assets | 0.4309% | 4,949 |
| Noninterest expense to average assets | 3.5208% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.9137% | 6,521 |
| Return on assets (ROA) | -0.5985% | 6,262 |
| Pretax return on assets | -0.5985% | 6,091 |
| Return on Equity (ROE) | -6.1159% | 6,318 |
| Retained earnings to average equity (ytd only) | -6.1159% | 6,159 |
| Net charge-offs to loans | 0.6266% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -3.8652% | 7,082 |
| Efficiency ratio | 135.0482% | 426 |
| Assets per employee ($millions) | 3.1433% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 7,308 |
| Loan loss allowance to noncurrent loans | 4.2357% | 7,425 |
| Noncurrent assets plus other real estate owned to assets | 6.0462% | 933 |
| Noncurrent loans to loans | 17.2295% | 110 |
| Net loans and leases to total assets | 34.8360% | 7,565 |
| Net loans and leases to deposits | 38.3014% | 7,671 |
| Net loans and leases to core deposits | 52.1801% | 7,518 |
| Total domestic deposits to total assets | 90.9522% | 549 |
| Equity capital to assets | 8.9317% | 5,247 |
| Core capital (leverage) ratio | 8.9464% | 4,509 |
| Tier 1 risk-based capital ratio | 20.7662% | 1,331 |
| Total risk-based capital ratio | 21.3680% | 1,405 |
| Memoranda: | ||
| Average total assets | $59,645,600 | 6,363 |
| Average earning assets | $55,555,400 | 6,313 |
| Average equity | $5,837,200 | 6,655 |
| Average total loans | $22,502,800 | 7,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 7,854 |
| Cost of funding earning assets | 1.3718% | 6,329 |
| Net interest margin | 2.4599% | 7,502 |
| Noninterest income to average assets | 0.4305% | 5,041 |
| Noninterest expense to average assets | 3.5326% | 2,188 |
| Loan and lease loss provision to assets | 0.2878% | 4,673 |
| Net operating income to assets | -1.1103% | 6,908 |
| Return on assets (ROA) | -0.6843% | 6,601 |
| Pretax return on assets | -0.6843% | 6,467 |
| Return on Equity (ROE) | -6.8331% | 6,646 |
| Retained earnings to average equity (ytd only) | -6.8331% | 6,489 |
| Net charge-offs to loans | 0.8314% | 2,302 |
| Credit loss provision to net charge-offs | 90.0709% | 5,478 |
| Earnings coverage of net charge-offs (x) | -2.5744% | 6,780 |
| Efficiency ratio | 130.3512% | 472 |
| Assets per employee ($millions) | 3.0930% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 4,430 |
| Loan loss allowance to noncurrent loans | 7.9426% | 7,481 |
| Noncurrent assets plus other real estate owned to assets | 5.8616% | 937 |
| Noncurrent loans to loans | 16.5051% | 115 |
| Net loans and leases to total assets | 35.0485% | 7,652 |
| Net loans and leases to deposits | 38.7368% | 7,766 |
| Net loans and leases to core deposits | 51.7323% | 7,650 |
| Total domestic deposits to total assets | 90.4785% | 597 |
| Equity capital to assets | 9.1691% | 5,219 |
| Core capital (leverage) ratio | 9.1946% | 4,349 |
| Tier 1 risk-based capital ratio | 22.2500% | 1,195 |
| Total risk-based capital ratio | 23.3920% | 1,188 |
| Memoranda: | ||
| Average total assets | $58,840,500 | 6,431 |
| Average earning assets | $54,526,750 | 6,398 |
| Average equity | $5,892,750 | 6,705 |
| Average total loans | $22,613,250 | 7,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 7,860 |
| Cost of funding earning assets | 1.4114% | 6,442 |
| Net interest margin | 2.7241% | 7,154 |
| Noninterest income to average assets | 0.4357% | 4,978 |
| Noninterest expense to average assets | 3.6000% | 2,073 |
| Loan and lease loss provision to assets | 0.0622% | 6,590 |
| Net operating income to assets | -0.7435% | 6,788 |
| Return on assets (ROA) | -0.7435% | 6,793 |
| Pretax return on assets | -0.7435% | 6,643 |
| Return on Equity (ROE) | -7.2071% | 6,823 |
| Retained earnings to average equity (ytd only) | -7.2071% | 6,586 |
| Net charge-offs to loans | -0.1665% | 8,014 |
| Credit loss provision to net charge-offs | -94.7368% | 6,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3412% | 613 |
| Assets per employee ($millions) | 3.0210% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,206 |
| Loan loss allowance to noncurrent loans | 9.0617% | 7,508 |
| Noncurrent assets plus other real estate owned to assets | 6.1917% | 770 |
| Noncurrent loans to loans | 16.5472% | 102 |
| Net loans and leases to total assets | 36.8570% | 7,677 |
| Net loans and leases to deposits | 40.9907% | 7,792 |
| Net loans and leases to core deposits | 54.5501% | 7,644 |
| Total domestic deposits to total assets | 89.9156% | 863 |
| Equity capital to assets | 9.7832% | 4,239 |
| Core capital (leverage) ratio | 9.5916% | 3,771 |
| Tier 1 risk-based capital ratio | 23.8460% | 1,054 |
| Total risk-based capital ratio | 25.0973% | 1,031 |
| Memoranda: | ||
| Average total assets | $57,834,000 | 6,520 |
| Average earning assets | $52,715,000 | 6,520 |
| Average equity | $5,966,330 | 6,730 |
| Average total loans | $22,828,000 | 7,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 7,772 |
| Cost of funding earning assets | 1.4574% | 6,552 |
| Net interest margin | 2.9784% | 6,535 |
| Noninterest income to average assets | 0.4315% | 4,951 |
| Noninterest expense to average assets | 3.7141% | 1,626 |
| Loan and lease loss provision to assets | 0.0637% | 6,155 |
| Net operating income to assets | -0.7004% | 7,058 |
| Return on assets (ROA) | -0.7004% | 7,095 |
| Pretax return on assets | -0.7004% | 6,967 |
| Return on Equity (ROE) | -6.6066% | 7,117 |
| Retained earnings to average equity (ytd only) | -6.6066% | 6,755 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6897% | 617 |
| Assets per employee ($millions) | 2.8695% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 3,803 |
| Loan loss allowance to noncurrent loans | 17.0411% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 3.1801% | 1,753 |
| Noncurrent loans to loans | 7.9207% | 456 |
| Net loans and leases to total assets | 39.6069% | 7,587 |
| Net loans and leases to deposits | 44.3089% | 7,714 |
| Net loans and leases to core deposits | 58.5026% | 7,518 |
| Total domestic deposits to total assets | 89.3882% | 1,059 |
| Equity capital to assets | 10.4410% | 3,522 |
| Core capital (leverage) ratio | 10.3160% | 3,093 |
| Tier 1 risk-based capital ratio | 20.2444% | 1,572 |
| Total risk-based capital ratio | 21.3273% | 1,563 |
| Memoranda: | ||
| Average total assets | $56,541,000 | 6,604 |
| Average earning assets | $50,228,000 | 6,652 |
| Average equity | $5,994,000 | 6,761 |
| Average total loans | $22,938,000 | 7,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 8,059 |
| Cost of funding earning assets | 1.7877% | 7,036 |
| Net interest margin | 2.5566% | 7,689 |
| Noninterest income to average assets | 0.4432% | 5,087 |
| Noninterest expense to average assets | 3.3421% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.5868% | 6,996 |
| Return on assets (ROA) | -0.5868% | 6,883 |
| Pretax return on assets | -0.5868% | 6,727 |
| Return on Equity (ROE) | -5.5489% | 6,917 |
| Retained earnings to average equity (ytd only) | -5.5489% | 6,592 |
| Net charge-offs to loans | 0.2895% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -5.1538% | 6,837 |
| Efficiency ratio | 121.2969% | 559 |
| Assets per employee ($millions) | 2.7847% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,638 |
| Loan loss allowance to noncurrent loans | 22.4036% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 2,006 |
| Noncurrent loans to loans | 5.9032% | 620 |
| Net loans and leases to total assets | 40.4593% | 7,649 |
| Net loans and leases to deposits | 45.4194% | 7,807 |
| Net loans and leases to core deposits | 58.0792% | 7,662 |
| Total domestic deposits to total assets | 89.0794% | 1,013 |
| Equity capital to assets | 10.7662% | 3,236 |
| Core capital (leverage) ratio | 10.5365% | 2,949 |
| Tier 1 risk-based capital ratio | 20.4800% | 1,540 |
| Total risk-based capital ratio | 21.5260% | 1,541 |
| Memoranda: | ||
| Average total assets | $57,089,800 | 6,485 |
| Average earning assets | $51,631,400 | 6,522 |
| Average equity | $6,037,200 | 6,792 |
| Average total loans | $22,454,200 | 7,170 |