Home > Bank Reale > Performance and Condition Ratios
Bank Reale, Performance and Condition Ratios
| 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 | 5.1312% | 595 |
| Cost of funding earning assets | 0.7555% | 824 |
| Net interest margin | 4.3757% | 921 |
| Noninterest income to average assets | 0.4664% | 3,742 |
| Noninterest expense to average assets | 4.3335% | 529 |
| Loan and lease loss provision to assets | 0.2168% | 1,144 |
| Net operating income to assets | -0.1563% | 6,187 |
| Return on assets (ROA) | -0.1563% | 6,186 |
| Pretax return on assets | -0.1563% | 6,169 |
| Return on Equity (ROE) | -2.2711% | 6,221 |
| Retained earnings to average equity (ytd only) | -2.2711% | 6,038 |
| Net charge-offs to loans | 0.4973% | 828 |
| Credit loss provision to net charge-offs | 60.9929% | 3,269 |
| Earnings coverage of net charge-offs (x) | 0.1702% | 4,684 |
| Efficiency ratio | 98.6231% | 401 |
| Assets per employee ($millions) | 4.7485% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6040% | 486 |
| Loan loss allowance to noncurrent loans | 44.4375% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 4.1882% | 393 |
| Noncurrent loans to loans | 5.8598% | 204 |
| Net loans and leases to total assets | 69.6115% | 2,289 |
| Net loans and leases to deposits | 75.7079% | 3,230 |
| Net loans and leases to core deposits | 79.6602% | 3,331 |
| Total domestic deposits to total assets | 91.9475% | 156 |
| Equity capital to assets | 7.6998% | 6,177 |
| Core capital (leverage) ratio | 7.4646% | 6,213 |
| Tier 1 risk-based capital ratio | 10.6371% | 6,047 |
| Total risk-based capital ratio | 11.8663% | 6,001 |
| Memoranda: | ||
| Average total assets | $39,667,400 | 6,040 |
| Average earning assets | $35,605,400 | 6,045 |
| Average equity | $2,730,000 | 6,316 |
| Average total loans | $28,350,600 | 5,638 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 566 |
| Cost of funding earning assets | 0.7862% | 742 |
| Net interest margin | 4.3759% | 920 |
| Noninterest income to average assets | 0.5654% | 3,096 |
| Noninterest expense to average assets | 4.5067% | 459 |
| Loan and lease loss provision to assets | 1.7661% | 40 |
| Net operating income to assets | -1.7827% | 6,520 |
| Return on assets (ROA) | -1.7827% | 6,519 |
| Pretax return on assets | -1.7827% | 6,509 |
| Return on Equity (ROE) | -26.6536% | 6,530 |
| Retained earnings to average equity (ytd only) | -26.6536% | 6,520 |
| Net charge-offs to loans | 0.5864% | 635 |
| Credit loss provision to net charge-offs | 421.4286% | 666 |
| Earnings coverage of net charge-offs (x) | -0.0397% | 4,458 |
| Efficiency ratio | 100.3704% | 354 |
| Assets per employee ($millions) | 4.2943% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1461% | 143 |
| Loan loss allowance to noncurrent loans | 71.0719% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 4.2485% | 443 |
| Noncurrent loans to loans | 5.8337% | 250 |
| Net loans and leases to total assets | 69.8078% | 2,224 |
| Net loans and leases to deposits | 74.9736% | 3,316 |
| Net loans and leases to core deposits | 79.3389% | 3,395 |
| Total domestic deposits to total assets | 93.1098% | 73 |
| Equity capital to assets | 6.3417% | 6,458 |
| Core capital (leverage) ratio | 6.4766% | 6,440 |
| Tier 1 risk-based capital ratio | 8.6878% | 6,493 |
| Total risk-based capital ratio | 9.9178% | 6,497 |
| Memoranda: | ||
| Average total assets | $40,087,250 | 6,111 |
| Average earning assets | $35,953,500 | 6,114 |
| Average equity | $2,681,250 | 6,393 |
| Average total loans | $28,650,500 | 5,675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 491 |
| Cost of funding earning assets | 0.8184% | 649 |
| Net interest margin | 4.3999% | 851 |
| Noninterest income to average assets | 0.5472% | 3,149 |
| Noninterest expense to average assets | 4.1068% | 671 |
| Loan and lease loss provision to assets | 2.5242% | 24 |
| Net operating income to assets | -2.1348% | 6,597 |
| Return on assets (ROA) | -2.1348% | 6,597 |
| Pretax return on assets | -2.1348% | 6,591 |
| Return on Equity (ROE) | -31.3996% | 6,612 |
| Retained earnings to average equity (ytd only) | -31.3996% | 6,592 |
| Net charge-offs to loans | 3.6643% | 32 |
| Credit loss provision to net charge-offs | 96.9697% | 2,061 |
| Earnings coverage of net charge-offs (x) | 0.1496% | 4,102 |
| Efficiency ratio | 91.3377% | 813 |
| Assets per employee ($millions) | 4.3788% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 644 |
| Loan loss allowance to noncurrent loans | 81.1075% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 1,259 |
| Noncurrent loans to loans | 3.1667% | 896 |
| Net loans and leases to total assets | 71.9049% | 1,764 |
| Net loans and leases to deposits | 77.2883% | 2,893 |
| Net loans and leases to core deposits | 82.6537% | 2,900 |
| Total domestic deposits to total assets | 93.0346% | 79 |
| Equity capital to assets | 6.4731% | 6,498 |
| Core capital (leverage) ratio | 6.1735% | 6,518 |
| Tier 1 risk-based capital ratio | 8.7733% | 6,549 |
| Total risk-based capital ratio | 10.0285% | 6,547 |
| Memoranda: | ||
| Average total assets | $40,566,670 | 6,155 |
| Average earning assets | $36,410,330 | 6,159 |
| Average equity | $2,758,000 | 6,439 |
| Average total loans | $28,818,330 | 5,705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 405 |
| Cost of funding earning assets | 0.8337% | 631 |
| Net interest margin | 4.4715% | 696 |
| Noninterest income to average assets | 0.4180% | 4,047 |
| Noninterest expense to average assets | 4.0150% | 748 |
| Loan and lease loss provision to assets | 4.6858% | 11 |
| Net operating income to assets | -4.2678% | 6,702 |
| Return on assets (ROA) | -4.2678% | 6,701 |
| Pretax return on assets | -4.2678% | 6,701 |
| Return on Equity (ROE) | -61.3664% | 6,702 |
| Retained earnings to average equity (ytd only) | -61.3664% | 6,689 |
| Net charge-offs to loans | 8.0319% | 7 |
| Credit loss provision to net charge-offs | 83.6806% | 1,859 |
| Earnings coverage of net charge-offs (x) | 0.0747% | 3,425 |
| Efficiency ratio | 90.5702% | 982 |
| Assets per employee ($millions) | 4.5843% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3156% | 1,004 |
| Loan loss allowance to noncurrent loans | 70.5385% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.3486% | 1,388 |
| Noncurrent loans to loans | 3.2827% | 932 |
| Net loans and leases to total assets | 68.3002% | 2,175 |
| Net loans and leases to deposits | 73.3415% | 3,149 |
| Net loans and leases to core deposits | 78.1801% | 3,182 |
| Total domestic deposits to total assets | 93.1263% | 101 |
| Equity capital to assets | 6.1635% | 6,555 |
| Core capital (leverage) ratio | 6.1541% | 6,569 |
| Tier 1 risk-based capital ratio | 8.6505% | 6,605 |
| Total risk-based capital ratio | 9.9126% | 6,608 |
| Memoranda: | ||
| Average total assets | $41,145,500 | 6,194 |
| Average earning assets | $36,945,500 | 6,205 |
| Average equity | $2,861,500 | 6,479 |
| Average total loans | $28,685,500 | 5,765 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 375 |
| Cost of funding earning assets | 0.8958% | 754 |
| Net interest margin | 4.5825% | 634 |
| Noninterest income to average assets | 0.2052% | 5,855 |
| Noninterest expense to average assets | 4.2482% | 663 |
| Loan and lease loss provision to assets | 1.4476% | 95 |
| Net operating income to assets | -1.3033% | 6,648 |
| Return on assets (ROA) | -1.3033% | 6,650 |
| Pretax return on assets | -1.3033% | 6,642 |
| Return on Equity (ROE) | -16.0931% | 6,654 |
| Retained earnings to average equity (ytd only) | -16.0931% | 6,630 |
| Net charge-offs to loans | 1.6822% | 260 |
| Credit loss provision to net charge-offs | 113.2275% | 2,132 |
| Earnings coverage of net charge-offs (x) | 0.1129% | 5,047 |
| Efficiency ratio | 96.7146% | 600 |
| Assets per employee ($millions) | 3.4193% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 1,632 |
| Loan loss allowance to noncurrent loans | 58.9905% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.3713% | 1,462 |
| Noncurrent loans to loans | 3.3342% | 971 |
| Net loans and leases to total assets | 68.1468% | 2,333 |
| Net loans and leases to deposits | 74.2387% | 3,225 |
| Net loans and leases to core deposits | 79.2416% | 3,213 |
| Total domestic deposits to total assets | 91.7942% | 335 |
| Equity capital to assets | 7.7500% | 6,157 |
| Core capital (leverage) ratio | 7.3835% | 6,418 |
| Tier 1 risk-based capital ratio | 10.9515% | 6,194 |
| Total risk-based capital ratio | 12.1879% | 6,151 |
| Memoranda: | ||
| Average total assets | $44,348,600 | 6,166 |
| Average earning assets | $40,523,800 | 6,155 |
| Average equity | $3,591,600 | 6,420 |
| Average total loans | $33,706,200 | 5,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 354 |
| Cost of funding earning assets | 0.8907% | 852 |
| Net interest margin | 4.6399% | 573 |
| Noninterest income to average assets | 0.1948% | 6,006 |
| Noninterest expense to average assets | 4.0668% | 795 |
| Loan and lease loss provision to assets | 0.7998% | 244 |
| Net operating income to assets | -0.4132% | 6,570 |
| Return on assets (ROA) | -0.4132% | 6,577 |
| Pretax return on assets | -0.4132% | 6,564 |
| Return on Equity (ROE) | -5.0524% | 6,602 |
| Retained earnings to average equity (ytd only) | -5.0524% | 6,497 |
| Net charge-offs to loans | 1.2647% | 420 |
| Credit loss provision to net charge-offs | 81.6265% | 2,805 |
| Earnings coverage of net charge-offs (x) | 0.3946% | 4,730 |
| Efficiency ratio | 91.3188% | 896 |
| Assets per employee ($millions) | 3.3113% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,390 |
| Loan loss allowance to noncurrent loans | 48.9068% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.0698% | 1,940 |
| Noncurrent loans to loans | 2.6586% | 1,588 |
| Net loans and leases to total assets | 74.9437% | 1,140 |
| Net loans and leases to deposits | 82.3468% | 2,095 |
| Net loans and leases to core deposits | 87.5207% | 2,230 |
| Total domestic deposits to total assets | 91.0098% | 529 |
| Equity capital to assets | 8.4117% | 5,825 |
| Core capital (leverage) ratio | 8.2126% | 6,046 |
| Tier 1 risk-based capital ratio | 11.6566% | 5,975 |
| Total risk-based capital ratio | 12.9378% | 5,916 |
| Memoranda: | ||
| Average total assets | $45,177,750 | 6,213 |
| Average earning assets | $41,465,000 | 6,200 |
| Average equity | $3,694,500 | 6,470 |
| Average total loans | $35,002,000 | 5,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 342 |
| Cost of funding earning assets | 0.8996% | 902 |
| Net interest margin | 4.6691% | 535 |
| Noninterest income to average assets | 0.2092% | 5,946 |
| Noninterest expense to average assets | 4.0490% | 820 |
| Loan and lease loss provision to assets | 1.1158% | 151 |
| Net operating income to assets | -0.6799% | 6,687 |
| Return on assets (ROA) | -0.6799% | 6,700 |
| Pretax return on assets | -0.6799% | 6,683 |
| Return on Equity (ROE) | -8.3894% | 6,712 |
| Retained earnings to average equity (ytd only) | -8.3894% | 6,622 |
| Net charge-offs to loans | 1.9120% | 237 |
| Credit loss provision to net charge-offs | 74.8538% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.2924% | 4,448 |
| Efficiency ratio | 90.2818% | 1,040 |
| Assets per employee ($millions) | 3.5843% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,161 |
| Loan loss allowance to noncurrent loans | 48.4848% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,191 |
| Noncurrent loans to loans | 2.4077% | 1,953 |
| Net loans and leases to total assets | 78.7357% | 665 |
| Net loans and leases to deposits | 86.3485% | 1,540 |
| Net loans and leases to core deposits | 91.7676% | 1,730 |
| Total domestic deposits to total assets | 91.1837% | 482 |
| Equity capital to assets | 8.3769% | 5,886 |
| Core capital (leverage) ratio | 7.8682% | 6,266 |
| Tier 1 risk-based capital ratio | 10.9637% | 6,349 |
| Total risk-based capital ratio | 12.2083% | 6,322 |
| Memoranda: | ||
| Average total assets | $45,888,000 | 6,234 |
| Average earning assets | $42,020,670 | 6,226 |
| Average equity | $3,719,000 | 6,514 |
| Average total loans | $35,774,000 | 5,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3380% | 470 |
| Cost of funding earning assets | 0.9051% | 965 |
| Net interest margin | 4.4329% | 758 |
| Noninterest income to average assets | 0.1437% | 6,387 |
| Noninterest expense to average assets | 3.7442% | 1,181 |
| Loan and lease loss provision to assets | 0.1268% | 2,650 |
| Net operating income to assets | 0.3296% | 5,447 |
| Return on assets (ROA) | 0.3296% | 5,584 |
| Pretax return on assets | 0.3296% | 5,782 |
| Return on Equity (ROE) | 4.1303% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.1303% | 3,745 |
| Net charge-offs to loans | 0.5475% | 1,103 |
| Credit loss provision to net charge-offs | 30.0000% | 2,888 |
| Earnings coverage of net charge-offs (x) | 1.0800% | 3,478 |
| Efficiency ratio | 89.1348% | 1,218 |
| Assets per employee ($millions) | 3.9988% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,049 |
| Loan loss allowance to noncurrent loans | 129.2264% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 3,178 |
| Noncurrent loans to loans | 0.9515% | 4,236 |
| Net loans and leases to total assets | 75.4970% | 903 |
| Net loans and leases to deposits | 82.2691% | 1,786 |
| Net loans and leases to core deposits | 86.8360% | 2,032 |
| Total domestic deposits to total assets | 91.7684% | 293 |
| Equity capital to assets | 7.9106% | 6,428 |
| Core capital (leverage) ratio | 7.9983% | 6,146 |
| Tier 1 risk-based capital ratio | 10.2106% | 6,657 |
| Total risk-based capital ratio | 11.4452% | 6,644 |
| Memoranda: | ||
| Average total assets | $47,326,500 | 6,257 |
| Average earning assets | $43,312,500 | 6,234 |
| Average equity | $3,777,000 | 6,566 |
| Average total loans | $36,528,500 | 5,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 955 |
| Cost of funding earning assets | 0.9548% | 1,612 |
| Net interest margin | 4.3288% | 1,330 |
| Noninterest income to average assets | 0.1617% | 6,225 |
| Noninterest expense to average assets | 4.4361% | 610 |
| Loan and lease loss provision to assets | 0.1866% | 3,307 |
| Net operating income to assets | -0.4104% | 6,520 |
| Return on assets (ROA) | -0.4104% | 6,565 |
| Pretax return on assets | -0.4104% | 6,532 |
| Return on Equity (ROE) | -5.1123% | 6,597 |
| Retained earnings to average equity (ytd only) | -5.1123% | 6,432 |
| Net charge-offs to loans | 0.0508% | 5,206 |
| Credit loss provision to net charge-offs | 473.6842% | 512 |
| Earnings coverage of net charge-offs (x) | -5.6842% | 5,913 |
| Efficiency ratio | 105.3150% | 419 |
| Assets per employee ($millions) | 3.5898% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 4,479 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 2,807 |
| Noncurrent loans to loans | 1.3332% | 3,614 |
| Net loans and leases to total assets | 76.9130% | 798 |
| Net loans and leases to deposits | 84.0763% | 1,749 |
| Net loans and leases to core deposits | 89.4953% | 1,894 |
| Total domestic deposits to total assets | 91.4801% | 342 |
| Equity capital to assets | 8.0528% | 6,379 |
| Core capital (leverage) ratio | 7.2230% | 6,626 |
| Tier 1 risk-based capital ratio | 10.6901% | 6,480 |
| Total risk-based capital ratio | 11.9048% | 6,457 |
| Memoranda: | ||
| Average total assets | $48,240,200 | 6,258 |
| Average earning assets | $45,139,800 | 6,201 |
| Average equity | $3,873,000 | 6,598 |
| Average total loans | $37,364,800 | 5,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 1,189 |
| Cost of funding earning assets | 0.9420% | 1,896 |
| Net interest margin | 4.2607% | 1,576 |
| Noninterest income to average assets | 0.1672% | 6,300 |
| Noninterest expense to average assets | 4.3398% | 637 |
| Loan and lease loss provision to assets | 0.2056% | 3,019 |
| Net operating income to assets | -0.3728% | 6,635 |
| Return on assets (ROA) | -0.3728% | 6,677 |
| Pretax return on assets | -0.3728% | 6,645 |
| Return on Equity (ROE) | -4.6474% | 6,704 |
| Retained earnings to average equity (ytd only) | -4.6474% | 6,593 |
| Net charge-offs to loans | -0.0496% | 6,710 |
| Credit loss provision to net charge-offs | -535.7143% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0079% | 420 |
| Assets per employee ($millions) | 2.8946% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 4,601 |
| Loan loss allowance to noncurrent loans | 90.9584% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 3,067 |
| Noncurrent loans to loans | 1.4798% | 3,574 |
| Net loans and leases to total assets | 70.7612% | 1,768 |
| Net loans and leases to deposits | 76.6518% | 2,888 |
| Net loans and leases to core deposits | 80.5295% | 3,139 |
| Total domestic deposits to total assets | 92.3151% | 171 |
| Equity capital to assets | 7.3049% | 6,816 |
| Core capital (leverage) ratio | 7.7734% | 6,482 |
| Tier 1 risk-based capital ratio | 10.1727% | 6,760 |
| Total risk-based capital ratio | 11.4503% | 6,730 |
| Memoranda: | ||
| Average total assets | $48,633,500 | 6,323 |
| Average earning assets | $45,718,500 | 6,262 |
| Average equity | $3,901,750 | 6,668 |
| Average total loans | $37,611,500 | 5,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 1,318 |
| Cost of funding earning assets | 0.9842% | 1,858 |
| Net interest margin | 4.1941% | 1,769 |
| Noninterest income to average assets | 0.1896% | 6,202 |
| Noninterest expense to average assets | 3.8966% | 1,080 |
| Loan and lease loss provision to assets | 0.2528% | 2,554 |
| Net operating income to assets | -0.0463% | 6,377 |
| Return on assets (ROA) | -0.0463% | 6,497 |
| Pretax return on assets | -0.0463% | 6,482 |
| Return on Equity (ROE) | -0.5593% | 6,508 |
| Retained earnings to average equity (ytd only) | -0.5593% | 6,138 |
| Net charge-offs to loans | -0.0371% | 6,586 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9692% | 757 |
| Assets per employee ($millions) | 3.2095% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,041 |
| Loan loss allowance to noncurrent loans | 69.5087% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4325% | 2,299 |
| Noncurrent loans to loans | 1.8255% | 3,183 |
| Net loans and leases to total assets | 83.2929% | 247 |
| Net loans and leases to deposits | 91.7349% | 980 |
| Net loans and leases to core deposits | 97.2559% | 1,324 |
| Total domestic deposits to total assets | 90.7974% | 528 |
| Equity capital to assets | 8.7464% | 5,975 |
| Core capital (leverage) ratio | 8.2679% | 5,968 |
| Tier 1 risk-based capital ratio | 10.7840% | 6,587 |
| Total risk-based capital ratio | 11.9529% | 6,601 |
| Memoranda: | ||
| Average total assets | $47,477,330 | 6,396 |
| Average earning assets | $44,300,670 | 6,340 |
| Average equity | $3,933,670 | 6,703 |
| Average total loans | $37,691,670 | 5,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 1,153 |
| Cost of funding earning assets | 0.9847% | 2,072 |
| Net interest margin | 4.2906% | 1,502 |
| Noninterest income to average assets | 0.1477% | 6,502 |
| Noninterest expense to average assets | 3.7252% | 1,340 |
| Loan and lease loss provision to assets | 0.4759% | 1,282 |
| Net operating income to assets | -0.0492% | 6,481 |
| Return on assets (ROA) | -0.0492% | 6,576 |
| Pretax return on assets | -0.0492% | 6,570 |
| Return on Equity (ROE) | -0.6098% | 6,593 |
| Retained earnings to average equity (ytd only) | -0.6098% | 6,092 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7233% | 1,122 |
| Assets per employee ($millions) | 3.6021% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,253 |
| Loan loss allowance to noncurrent loans | 704.4776% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,665 |
| Noncurrent loans to loans | 0.1772% | 6,328 |
| Net loans and leases to total assets | 74.0313% | 1,057 |
| Net loans and leases to deposits | 80.6054% | 2,127 |
| Net loans and leases to core deposits | 85.2998% | 2,371 |
| Total domestic deposits to total assets | 91.8441% | 299 |
| Equity capital to assets | 7.8009% | 6,631 |
| Core capital (leverage) ratio | 7.9799% | 6,274 |
| Tier 1 risk-based capital ratio | 9.8051% | 6,917 |
| Total risk-based capital ratio | 10.9815% | 6,930 |
| Memoranda: | ||
| Average total assets | $48,749,500 | 6,405 |
| Average earning assets | $45,494,500 | 6,348 |
| Average equity | $3,935,500 | 6,737 |
| Average total loans | $37,584,000 | 5,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 1,045 |
| Cost of funding earning assets | 1.3219% | 1,382 |
| Net interest margin | 4.2326% | 1,953 |
| Noninterest income to average assets | 0.1668% | 6,294 |
| Noninterest expense to average assets | 3.8369% | 1,279 |
| Loan and lease loss provision to assets | 0.2002% | 4,185 |
| Net operating income to assets | 0.0823% | 5,901 |
| Return on assets (ROA) | 0.0823% | 6,018 |
| Pretax return on assets | 0.0823% | 5,994 |
| Return on Equity (ROE) | 0.9917% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.9917% | 5,397 |
| Net charge-offs to loans | 0.6955% | 2,413 |
| Credit loss provision to net charge-offs | 36.7347% | 5,683 |
| Earnings coverage of net charge-offs (x) | 0.5184% | 5,441 |
| Efficiency ratio | 93.1425% | 971 |
| Assets per employee ($millions) | 3.3621% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,782 |
| Loan loss allowance to noncurrent loans | 591.4286% | 599 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 4,605 |
| Noncurrent loans to loans | 0.1874% | 6,372 |
| Net loans and leases to total assets | 78.4975% | 655 |
| Net loans and leases to deposits | 86.0316% | 1,665 |
| Net loans and leases to core deposits | 89.2507% | 2,228 |
| Total domestic deposits to total assets | 91.2426% | 412 |
| Equity capital to assets | 8.3643% | 6,288 |
| Core capital (leverage) ratio | 8.0543% | 6,199 |
| Tier 1 risk-based capital ratio | 9.7443% | 6,914 |
| Total risk-based capital ratio | 10.7690% | 6,954 |
| Memoranda: | ||
| Average total assets | $44,958,000 | 6,512 |
| Average earning assets | $41,983,600 | 6,464 |
| Average equity | $3,731,000 | 6,819 |
| Average total loans | $35,225,800 | 5,902 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 1,254 |
| Cost of funding earning assets | 1.3471% | 1,468 |
| Net interest margin | 4.1502% | 2,279 |
| Noninterest income to average assets | 0.2251% | 6,005 |
| Noninterest expense to average assets | 4.1652% | 826 |
| Loan and lease loss provision to assets | 0.2131% | 3,893 |
| Net operating income to assets | -0.2701% | 6,456 |
| Return on assets (ROA) | -0.2701% | 6,523 |
| Pretax return on assets | -0.2701% | 6,468 |
| Return on Equity (ROE) | -3.2613% | 6,575 |
| Retained earnings to average equity (ytd only) | -3.2613% | 6,442 |
| Net charge-offs to loans | 0.6879% | 2,194 |
| Credit loss provision to net charge-offs | 39.6648% | 5,257 |
| Earnings coverage of net charge-offs (x) | -0.1061% | 5,669 |
| Efficiency ratio | 101.3879% | 621 |
| Assets per employee ($millions) | 3.6842% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,390 |
| Loan loss allowance to noncurrent loans | 221.6346% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4448% | 3,957 |
| Noncurrent loans to loans | 0.5509% | 5,766 |
| Net loans and leases to total assets | 77.8724% | 720 |
| Net loans and leases to deposits | 84.9242% | 1,851 |
| Net loans and leases to core deposits | 88.9825% | 2,362 |
| Total domestic deposits to total assets | 91.6964% | 264 |
| Equity capital to assets | 7.8505% | 6,780 |
| Core capital (leverage) ratio | 7.9642% | 6,430 |
| Tier 1 risk-based capital ratio | 9.3456% | 7,075 |
| Total risk-based capital ratio | 10.4914% | 7,083 |
| Memoranda: | ||
| Average total assets | $44,430,250 | 6,580 |
| Average earning assets | $41,570,750 | 6,528 |
| Average equity | $3,679,500 | 6,888 |
| Average total loans | $34,691,750 | 5,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3941% | 1,585 |
| Cost of funding earning assets | 1.3707% | 1,545 |
| Net interest margin | 4.0234% | 2,723 |
| Noninterest income to average assets | 0.1710% | 6,437 |
| Noninterest expense to average assets | 4.2380% | 798 |
| Loan and lease loss provision to assets | 0.3281% | 2,819 |
| Net operating income to assets | -0.6239% | 6,772 |
| Return on assets (ROA) | -0.6239% | 6,785 |
| Pretax return on assets | -0.6239% | 6,720 |
| Return on Equity (ROE) | -7.3919% | 6,838 |
| Retained earnings to average equity (ytd only) | -7.3919% | 6,735 |
| Net charge-offs to loans | 1.0217% | 1,545 |
| Credit loss provision to net charge-offs | 41.2791% | 4,796 |
| Earnings coverage of net charge-offs (x) | -0.3721% | 5,487 |
| Efficiency ratio | 107.5029% | 525 |
| Assets per employee ($millions) | 3.2861% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,334 |
| Loan loss allowance to noncurrent loans | 81.3913% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 4,300 |
| Noncurrent loans to loans | 1.5308% | 4,123 |
| Net loans and leases to total assets | 80.6282% | 484 |
| Net loans and leases to deposits | 87.8481% | 1,524 |
| Net loans and leases to core deposits | 92.2230% | 2,103 |
| Total domestic deposits to total assets | 91.7813% | 284 |
| Equity capital to assets | 7.7992% | 6,806 |
| Core capital (leverage) ratio | 8.0517% | 6,234 |
| Tier 1 risk-based capital ratio | 9.1451% | 7,159 |
| Total risk-based capital ratio | 10.3380% | 7,167 |
| Memoranda: | ||
| Average total assets | $43,275,330 | 6,668 |
| Average earning assets | $40,563,000 | 6,617 |
| Average equity | $3,652,670 | 6,940 |
| Average total loans | $33,669,670 | 6,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 1,598 |
| Cost of funding earning assets | 1.4219% | 1,503 |
| Net interest margin | 3.9670% | 2,841 |
| Noninterest income to average assets | 0.1909% | 6,356 |
| Noninterest expense to average assets | 4.2567% | 758 |
| Loan and lease loss provision to assets | 0.0477% | 5,405 |
| Net operating income to assets | -0.4390% | 6,767 |
| Return on assets (ROA) | -0.4390% | 6,777 |
| Pretax return on assets | -0.4390% | 6,723 |
| Return on Equity (ROE) | -4.9932% | 6,809 |
| Retained earnings to average equity (ytd only) | -4.9932% | 6,516 |
| Net charge-offs to loans | 1.6013% | 844 |
| Credit loss provision to net charge-offs | 3.9370% | 4,438 |
| Earnings coverage of net charge-offs (x) | -0.3228% | 4,737 |
| Efficiency ratio | 110.1235% | 501 |
| Assets per employee ($millions) | 2.7693% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 4,634 |
| Loan loss allowance to noncurrent loans | 70.9524% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.4098% | 2,825 |
| Noncurrent loans to loans | 1.9821% | 3,596 |
| Net loans and leases to total assets | 75.4399% | 1,119 |
| Net loans and leases to deposits | 83.1000% | 2,169 |
| Net loans and leases to core deposits | 87.7615% | 2,632 |
| Total domestic deposits to total assets | 90.7822% | 721 |
| Equity capital to assets | 8.8230% | 5,459 |
| Core capital (leverage) ratio | 8.7320% | 5,031 |
| Tier 1 risk-based capital ratio | 10.1268% | 6,960 |
| Total risk-based capital ratio | 11.3619% | 6,967 |
| Memoranda: | ||
| Average total assets | $41,910,500 | 6,763 |
| Average earning assets | $38,820,500 | 6,726 |
| Average equity | $3,685,000 | 6,962 |
| Average total loans | $31,724,000 | 6,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 3,800 |
| Cost of funding earning assets | 1.6265% | 1,921 |
| Net interest margin | 3.5339% | 5,101 |
| Noninterest income to average assets | 0.2019% | 6,340 |
| Noninterest expense to average assets | 4.3032% | 807 |
| Loan and lease loss provision to assets | 0.6341% | 2,597 |
| Net operating income to assets | -1.4486% | 6,896 |
| Return on assets (ROA) | -1.4486% | 6,915 |
| Pretax return on assets | -1.4486% | 6,841 |
| Return on Equity (ROE) | -16.5276% | 6,964 |
| Retained earnings to average equity (ytd only) | -16.5276% | 6,931 |
| Net charge-offs to loans | 0.3671% | 4,194 |
| Credit loss provision to net charge-offs | 272.4490% | 1,008 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 6,752 |
| Efficiency ratio | 123.3492% | 376 |
| Assets per employee ($millions) | 3.0201% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 2,874 |
| Loan loss allowance to noncurrent loans | 56.7864% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 3.1928% | 2,217 |
| Noncurrent loans to loans | 3.1645% | 2,404 |
| Net loans and leases to total assets | 73.5419% | 1,758 |
| Net loans and leases to deposits | 80.9850% | 2,995 |
| Net loans and leases to core deposits | 85.4423% | 3,405 |
| Total domestic deposits to total assets | 90.8093% | 687 |
| Equity capital to assets | 8.7626% | 5,495 |
| Core capital (leverage) ratio | 8.7475% | 4,945 |
| Tier 1 risk-based capital ratio | 10.1596% | 6,902 |
| Total risk-based capital ratio | 11.4127% | 6,875 |
| Memoranda: | ||
| Average total assets | $42,108,600 | 6,794 |
| Average earning assets | $39,163,200 | 6,751 |
| Average equity | $3,690,800 | 7,086 |
| Average total loans | $26,692,200 | 6,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 4,226 |
| Cost of funding earning assets | 1.6720% | 1,997 |
| Net interest margin | 3.4463% | 5,507 |
| Noninterest income to average assets | 0.1775% | 6,607 |
| Noninterest expense to average assets | 4.7132% | 482 |
| Loan and lease loss provision to assets | 0.7924% | 1,920 |
| Net operating income to assets | -2.1268% | 7,271 |
| Return on assets (ROA) | -2.1268% | 7,284 |
| Pretax return on assets | -2.1268% | 7,229 |
| Return on Equity (ROE) | -24.2631% | 7,302 |
| Retained earnings to average equity (ytd only) | -24.2631% | 7,291 |
| Net charge-offs to loans | 0.5134% | 3,235 |
| Credit loss provision to net charge-offs | 255.1020% | 1,305 |
| Earnings coverage of net charge-offs (x) | -4.2960% | 6,584 |
| Efficiency ratio | 139.4934% | 249 |
| Assets per employee ($millions) | 3.0474% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,445 |
| Loan loss allowance to noncurrent loans | 57.2614% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 3.0753% | 2,357 |
| Noncurrent loans to loans | 3.3385% | 2,381 |
| Net loans and leases to total assets | 66.3877% | 3,599 |
| Net loans and leases to deposits | 73.0445% | 4,682 |
| Net loans and leases to core deposits | 75.4053% | 5,132 |
| Total domestic deposits to total assets | 90.8867% | 487 |
| Equity capital to assets | 8.4828% | 6,293 |
| Core capital (leverage) ratio | 8.5261% | 5,460 |
| Tier 1 risk-based capital ratio | 10.6057% | 6,704 |
| Total risk-based capital ratio | 11.8600% | 6,687 |
| Memoranda: | ||
| Average total assets | $42,065,250 | 6,881 |
| Average earning assets | $39,074,750 | 6,832 |
| Average equity | $3,687,250 | 7,177 |
| Average total loans | $25,449,250 | 6,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 3,489 |
| Cost of funding earning assets | 1.7003% | 2,116 |
| Net interest margin | 3.5965% | 4,829 |
| Noninterest income to average assets | 0.1911% | 6,532 |
| Noninterest expense to average assets | 5.0590% | 362 |
| Loan and lease loss provision to assets | 0.4777% | 2,914 |
| Net operating income to assets | -2.0112% | 7,309 |
| Return on assets (ROA) | -2.0112% | 7,316 |
| Pretax return on assets | -2.0112% | 7,242 |
| Return on Equity (ROE) | -22.6954% | 7,334 |
| Retained earnings to average equity (ytd only) | -22.6954% | 7,319 |
| Net charge-offs to loans | 0.6747% | 2,531 |
| Credit loss provision to net charge-offs | 121.9512% | 3,318 |
| Earnings coverage of net charge-offs (x) | -3.9146% | 6,277 |
| Efficiency ratio | 143.4959% | 234 |
| Assets per employee ($millions) | 2.9941% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,732 |
| Loan loss allowance to noncurrent loans | 42.4365% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 3.1800% | 2,228 |
| Noncurrent loans to loans | 3.6207% | 2,176 |
| Net loans and leases to total assets | 63.9033% | 4,283 |
| Net loans and leases to deposits | 70.6595% | 5,187 |
| Net loans and leases to core deposits | 73.2606% | 5,527 |
| Total domestic deposits to total assets | 90.4385% | 707 |
| Equity capital to assets | 8.9556% | 5,513 |
| Core capital (leverage) ratio | 9.0751% | 4,487 |
| Tier 1 risk-based capital ratio | 11.1906% | 6,049 |
| Total risk-based capital ratio | 12.4367% | 6,047 |
| Memoranda: | ||
| Average total assets | $41,866,000 | 6,936 |
| Average earning assets | $38,815,670 | 6,894 |
| Average equity | $3,710,000 | 7,212 |
| Average total loans | $24,307,330 | 6,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 4,328 |
| Cost of funding earning assets | 1.7352% | 2,207 |
| Net interest margin | 3.4083% | 5,549 |
| Noninterest income to average assets | 0.1625% | 6,811 |
| Noninterest expense to average assets | 5.2008% | 317 |
| Loan and lease loss provision to assets | 0.1816% | 4,704 |
| Net operating income to assets | -2.0650% | 7,475 |
| Return on assets (ROA) | -2.0650% | 7,482 |
| Pretax return on assets | -2.0650% | 7,429 |
| Return on Equity (ROE) | -23.4273% | 7,483 |
| Retained earnings to average equity (ytd only) | -23.4273% | 7,438 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.7723% | 189 |
| Assets per employee ($millions) | 3.0387% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 2,811 |
| Loan loss allowance to noncurrent loans | 41.4032% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 3.1968% | 2,247 |
| Noncurrent loans to loans | 4.2860% | 1,780 |
| Net loans and leases to total assets | 54.5179% | 5,959 |
| Net loans and leases to deposits | 59.8575% | 6,485 |
| Net loans and leases to core deposits | 63.6978% | 6,472 |
| Total domestic deposits to total assets | 91.0794% | 509 |
| Equity capital to assets | 8.4834% | 6,023 |
| Core capital (leverage) ratio | 8.5552% | 5,288 |
| Tier 1 risk-based capital ratio | 11.7347% | 5,460 |
| Total risk-based capital ratio | 12.9475% | 5,452 |
| Memoranda: | ||
| Average total assets | $41,840,000 | 7,024 |
| Average earning assets | $38,728,500 | 6,989 |
| Average equity | $3,688,000 | 7,291 |
| Average total loans | $22,858,500 | 7,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 6,211 |
| Cost of funding earning assets | 2.3200% | 1,578 |
| Net interest margin | 2.7450% | 7,147 |
| Noninterest income to average assets | 0.3058% | 5,901 |
| Noninterest expense to average assets | 5.8403% | 331 |
| Loan and lease loss provision to assets | 0.3904% | 4,452 |
| Net operating income to assets | -3.3857% | 7,481 |
| Return on assets (ROA) | -3.3857% | 7,483 |
| Pretax return on assets | -3.3857% | 7,392 |
| Return on Equity (ROE) | -28.3338% | 7,372 |
| Retained earnings to average equity (ytd only) | -28.3338% | 7,353 |
| Net charge-offs to loans | 1.5690% | 1,605 |
| Credit loss provision to net charge-offs | 38.4409% | 6,841 |
| Earnings coverage of net charge-offs (x) | -2.9489% | 7,048 |
| Efficiency ratio | 205.2783% | 128 |
| Assets per employee ($millions) | 2.9384% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 2,512 |
| Loan loss allowance to noncurrent loans | 31.0318% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 3.9793% | 1,661 |
| Noncurrent loans to loans | 5.8313% | 1,080 |
| Net loans and leases to total assets | 52.7614% | 6,336 |
| Net loans and leases to deposits | 58.3107% | 6,767 |
| Net loans and leases to core deposits | 113.5555% | 2,543 |
| Total domestic deposits to total assets | 90.4833% | 749 |
| Equity capital to assets | 9.1570% | 4,909 |
| Core capital (leverage) ratio | 9.9419% | 3,148 |
| Tier 1 risk-based capital ratio | 12.9982% | 4,143 |
| Total risk-based capital ratio | 14.2231% | 4,110 |
| Memoranda: | ||
| Average total assets | $36,624,600 | 7,224 |
| Average earning assets | $33,879,600 | 7,194 |
| Average equity | $4,376,400 | 7,149 |
| Average total loans | $23,708,800 | 6,993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 5,799 |
| Cost of funding earning assets | 2.4738% | 1,381 |
| Net interest margin | 2.7459% | 7,140 |
| Noninterest income to average assets | 0.3643% | 5,587 |
| Noninterest expense to average assets | 6.2390% | 285 |
| Loan and lease loss provision to assets | 0.0113% | 7,219 |
| Net operating income to assets | -3.3467% | 7,662 |
| Return on assets (ROA) | -3.3467% | 7,664 |
| Pretax return on assets | -3.3467% | 7,580 |
| Return on Equity (ROE) | -26.2317% | 7,533 |
| Retained earnings to average equity (ytd only) | -26.2317% | 7,516 |
| Net charge-offs to loans | 0.8738% | 2,221 |
| Credit loss provision to net charge-offs | 1.8987% | 6,654 |
| Earnings coverage of net charge-offs (x) | -5.6203% | 6,863 |
| Efficiency ratio | 214.8771% | 123 |
| Assets per employee ($millions) | 2.7495% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 1,709 |
| Loan loss allowance to noncurrent loans | 37.7884% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 4.0903% | 1,549 |
| Noncurrent loans to loans | 5.3948% | 1,171 |
| Net loans and leases to total assets | 63.8587% | 4,897 |
| Net loans and leases to deposits | 72.8395% | 5,530 |
| Net loans and leases to core deposits | 87.7176% | 5,669 |
| Total domestic deposits to total assets | 87.6703% | 1,817 |
| Equity capital to assets | 11.4736% | 2,611 |
| Core capital (leverage) ratio | 11.9198% | 1,839 |
| Tier 1 risk-based capital ratio | 14.7290% | 3,172 |
| Total risk-based capital ratio | 15.9861% | 3,111 |
| Memoranda: | ||
| Average total assets | $35,496,250 | 7,322 |
| Average earning assets | $32,823,750 | 7,297 |
| Average equity | $4,528,750 | 7,169 |
| Average total loans | $24,109,750 | 7,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 5,948 |
| Cost of funding earning assets | 2.5370% | 1,488 |
| Net interest margin | 2.6956% | 7,209 |
| Noninterest income to average assets | 0.1242% | 7,357 |
| Noninterest expense to average assets | 5.8282% | 336 |
| Loan and lease loss provision to assets | 0.0508% | 6,721 |
| Net operating income to assets | -3.2586% | 7,719 |
| Return on assets (ROA) | -3.2586% | 7,721 |
| Pretax return on assets | -3.2586% | 7,626 |
| Return on Equity (ROE) | -24.7039% | 7,622 |
| Retained earnings to average equity (ytd only) | -24.7039% | 7,588 |
| Net charge-offs to loans | 0.8450% | 2,003 |
| Credit loss provision to net charge-offs | 8.7379% | 6,197 |
| Earnings coverage of net charge-offs (x) | -5.5146% | 6,467 |
| Efficiency ratio | 222.4138% | 152 |
| Assets per employee ($millions) | 2.6388% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 1,186 |
| Loan loss allowance to noncurrent loans | 29.8883% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 5.7952% | 849 |
| Noncurrent loans to loans | 7.4667% | 627 |
| Net loans and leases to total assets | 68.3244% | 4,098 |
| Net loans and leases to deposits | 79.0249% | 4,700 |
| Net loans and leases to core deposits | 90.1635% | 5,519 |
| Total domestic deposits to total assets | 86.4593% | 2,529 |
| Equity capital to assets | 12.8352% | 1,773 |
| Core capital (leverage) ratio | 12.8013% | 1,508 |
| Tier 1 risk-based capital ratio | 16.0092% | 2,622 |
| Total risk-based capital ratio | 17.2636% | 2,560 |
| Memoranda: | ||
| Average total assets | $35,414,000 | 7,394 |
| Average earning assets | $32,794,670 | 7,368 |
| Average equity | $4,671,330 | 7,186 |
| Average total loans | $24,379,670 | 7,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 5,187 |
| Cost of funding earning assets | 2.5979% | 1,572 |
| Net interest margin | 2.8494% | 6,879 |
| Noninterest income to average assets | 0.3447% | 5,696 |
| Noninterest expense to average assets | 5.9718% | 290 |
| Loan and lease loss provision to assets | 0.4893% | 2,521 |
| Net operating income to assets | -3.4697% | 7,919 |
| Return on assets (ROA) | -3.4697% | 7,913 |
| Pretax return on assets | -3.4697% | 7,833 |
| Return on Equity (ROE) | -25.9702% | 7,857 |
| Retained earnings to average equity (ytd only) | -25.9702% | 7,788 |
| Net charge-offs to loans | 0.3905% | 2,534 |
| Credit loss provision to net charge-offs | 183.3333% | 2,371 |
| Earnings coverage of net charge-offs (x) | -11.1667% | 5,626 |
| Efficiency ratio | 199.6283% | 187 |
| Assets per employee ($millions) | 2.7374% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6730% | 644 |
| Loan loss allowance to noncurrent loans | 40.2726% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.0919% | 883 |
| Noncurrent loans to loans | 6.6373% | 642 |
| Net loans and leases to total assets | 66.5065% | 4,462 |
| Net loans and leases to deposits | 77.4317% | 5,017 |
| Net loans and leases to core deposits | 85.3942% | 5,958 |
| Total domestic deposits to total assets | 85.8905% | 2,780 |
| Equity capital to assets | 13.0838% | 1,708 |
| Core capital (leverage) ratio | 12.9391% | 1,500 |
| Tier 1 risk-based capital ratio | 16.5936% | 2,476 |
| Total risk-based capital ratio | 17.8517% | 2,405 |
| Memoranda: | ||
| Average total assets | $35,969,000 | 7,415 |
| Average earning assets | $33,411,000 | 7,382 |
| Average equity | $4,805,500 | 7,182 |
| Average total loans | $24,583,000 | 7,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0193% | 1,086 |
| Cost of funding earning assets | 2.9712% | 1,981 |
| Net interest margin | 4.0481% | 2,914 |
| Noninterest income to average assets | 0.4227% | 5,279 |
| Noninterest expense to average assets | 6.0048% | 403 |
| Loan and lease loss provision to assets | -0.7199% | 8,302 |
| Net operating income to assets | -1.1208% | 7,300 |
| Return on assets (ROA) | -1.1208% | 7,241 |
| Pretax return on assets | -1.1208% | 7,071 |
| Return on Equity (ROE) | -8.0239% | 7,127 |
| Retained earnings to average equity (ytd only) | -8.0239% | 6,888 |
| Net charge-offs to loans | 0.2691% | 3,607 |
| Credit loss provision to net charge-offs | -347.3684% | 7,374 |
| Earnings coverage of net charge-offs (x) | -8.8816% | 6,887 |
| Efficiency ratio | 144.2043% | 379 |
| Assets per employee ($millions) | 2.1384% | 7,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5353% | 651 |
| Loan loss allowance to noncurrent loans | 253.0120% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3039% | 3,612 |
| Noncurrent loans to loans | 1.0021% | 4,590 |
| Net loans and leases to total assets | 66.6236% | 4,725 |
| Net loans and leases to deposits | 77.6673% | 5,384 |
| Net loans and leases to core deposits | 101.7776% | 4,642 |
| Total domestic deposits to total assets | 85.7807% | 2,502 |
| Equity capital to assets | 13.6306% | 1,561 |
| Core capital (leverage) ratio | 14.9238% | 1,056 |
| Tier 1 risk-based capital ratio | 16.7733% | 2,393 |
| Total risk-based capital ratio | 18.0326% | 2,323 |
| Memoranda: | ||
| Average total assets | $36,670,400 | 7,357 |
| Average earning assets | $33,892,400 | 7,326 |
| Average equity | $5,122,200 | 7,107 |
| Average total loans | $28,240,600 | 6,824 |