Home > Banks of Wisconsin > Performance and Condition Ratios
Banks of Wisconsin, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 1,812 |
| Cost of funding earning assets | 1.0671% | 436 |
| Net interest margin | 3.5372% | 3,539 |
| Noninterest income to average assets | 1.0778% | 1,276 |
| Noninterest expense to average assets | 4.4380% | 563 |
| Loan and lease loss provision to assets | 1.2726% | 121 |
| Net operating income to assets | -1.6476% | 6,896 |
| Return on assets (ROA) | -1.6476% | 6,900 |
| Pretax return on assets | -1.6476% | 6,889 |
| Return on Equity (ROE) | -70.5659% | 6,986 |
| Retained earnings to average equity (ytd only) | -70.5659% | 6,983 |
| Net charge-offs to loans | 0.0444% | 3,409 |
| Credit loss provision to net charge-offs | 4,310.0000% | 69 |
| Earnings coverage of net charge-offs (x) | -12.7000% | 4,110 |
| Efficiency ratio | 109.2297% | 337 |
| Assets per employee ($millions) | 3.2689% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0506% | 39 |
| Loan loss allowance to noncurrent loans | 50.0319% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 18.5459% | 34 |
| Noncurrent loans to loans | 14.0921% | 95 |
| Net loans and leases to total assets | 61.6158% | 3,141 |
| Net loans and leases to deposits | 64.7229% | 4,224 |
| Net loans and leases to core deposits | 66.3320% | 4,490 |
| Total domestic deposits to total assets | 95.1994% | 42 |
| Equity capital to assets | 2.1668% | 7,002 |
| Core capital (leverage) ratio | 1.9333% | 7,004 |
| Tier 1 risk-based capital ratio | 2.6722% | 7,003 |
| Total risk-based capital ratio | 3.9866% | 7,003 |
| Memoranda: | ||
| Average total assets | $135,466,500 | 4,080 |
| Average earning assets | $114,329,000 | 4,274 |
| Average equity | $3,163,000 | 6,686 |
| Average total loans | $90,046,000 | 3,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 3,092 |
| Cost of funding earning assets | 1.1295% | 809 |
| Net interest margin | 3.4471% | 4,712 |
| Noninterest income to average assets | 0.3505% | 4,964 |
| Noninterest expense to average assets | 4.7839% | 441 |
| Loan and lease loss provision to assets | 1.1337% | 319 |
| Net operating income to assets | -2.5053% | 6,977 |
| Return on assets (ROA) | -1.4552% | 6,854 |
| Pretax return on assets | -1.4552% | 6,833 |
| Return on Equity (ROE) | -40.8756% | 6,999 |
| Retained earnings to average equity (ytd only) | -40.8756% | 6,989 |
| Net charge-offs to loans | 2.1885% | 311 |
| Credit loss provision to net charge-offs | 75.5156% | 3,988 |
| Earnings coverage of net charge-offs (x) | -0.9136% | 5,745 |
| Efficiency ratio | 140.1931% | 117 |
| Assets per employee ($millions) | 3.2597% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4034% | 55 |
| Loan loss allowance to noncurrent loans | 46.2409% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 18.4750% | 39 |
| Noncurrent loans to loans | 13.8480% | 106 |
| Net loans and leases to total assets | 62.3809% | 3,195 |
| Net loans and leases to deposits | 65.7644% | 4,321 |
| Net loans and leases to core deposits | 67.9489% | 4,536 |
| Total domestic deposits to total assets | 94.8550% | 47 |
| Equity capital to assets | 2.4995% | 7,051 |
| Core capital (leverage) ratio | 2.2406% | 7,056 |
| Tier 1 risk-based capital ratio | 3.1489% | 7,052 |
| Total risk-based capital ratio | 4.4558% | 7,053 |
| Memoranda: | ||
| Average total assets | $151,800,000 | 3,742 |
| Average earning assets | $134,837,000 | 3,811 |
| Average equity | $5,404,200 | 6,179 |
| Average total loans | $104,136,600 | 3,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 3,600 |
| Cost of funding earning assets | 1.1298% | 942 |
| Net interest margin | 3.3780% | 5,103 |
| Noninterest income to average assets | -0.0840% | 7,014 |
| Noninterest expense to average assets | 4.3431% | 636 |
| Loan and lease loss provision to assets | 0.8033% | 584 |
| Net operating income to assets | -2.1878% | 7,060 |
| Return on assets (ROA) | -0.8213% | 6,839 |
| Pretax return on assets | -0.8213% | 6,813 |
| Return on Equity (ROE) | -21.6501% | 7,008 |
| Retained earnings to average equity (ytd only) | -21.6501% | 6,993 |
| Net charge-offs to loans | 1.7846% | 443 |
| Credit loss provision to net charge-offs | 65.2053% | 4,022 |
| Earnings coverage of net charge-offs (x) | -1.1239% | 5,583 |
| Efficiency ratio | 146.7980% | 101 |
| Assets per employee ($millions) | 3.4057% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1252% | 62 |
| Loan loss allowance to noncurrent loans | 36.7115% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 18.7454% | 47 |
| Noncurrent loans to loans | 16.6848% | 76 |
| Net loans and leases to total assets | 63.2266% | 3,171 |
| Net loans and leases to deposits | 66.9504% | 4,342 |
| Net loans and leases to core deposits | 69.5025% | 4,560 |
| Total domestic deposits to total assets | 94.4378% | 56 |
| Equity capital to assets | 3.2656% | 7,127 |
| Core capital (leverage) ratio | 2.9875% | 7,131 |
| Tier 1 risk-based capital ratio | 4.2797% | 7,131 |
| Total risk-based capital ratio | 5.5855% | 7,133 |
| Memoranda: | ||
| Average total assets | $155,522,750 | 3,729 |
| Average earning assets | $140,078,250 | 3,763 |
| Average equity | $5,899,750 | 6,114 |
| Average total loans | $107,358,750 | 3,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 3,704 |
| Cost of funding earning assets | 1.1540% | 1,010 |
| Net interest margin | 3.3612% | 5,227 |
| Noninterest income to average assets | -0.3757% | 7,173 |
| Noninterest expense to average assets | 4.0004% | 939 |
| Loan and lease loss provision to assets | 1.3827% | 273 |
| Net operating income to assets | -2.7129% | 7,135 |
| Return on assets (ROA) | -1.0709% | 6,943 |
| Pretax return on assets | -1.0709% | 6,915 |
| Return on Equity (ROE) | -27.1027% | 7,082 |
| Retained earnings to average equity (ytd only) | -27.1027% | 7,071 |
| Net charge-offs to loans | 0.5926% | 1,836 |
| Credit loss provision to net charge-offs | 335.5623% | 877 |
| Earnings coverage of net charge-offs (x) | -3.2280% | 5,418 |
| Efficiency ratio | 149.8124% | 102 |
| Assets per employee ($millions) | 3.4058% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9708% | 52 |
| Loan loss allowance to noncurrent loans | 41.3674% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 17.0205% | 68 |
| Noncurrent loans to loans | 16.8511% | 73 |
| Net loans and leases to total assets | 62.4858% | 3,340 |
| Net loans and leases to deposits | 67.6354% | 4,264 |
| Net loans and leases to core deposits | 73.7532% | 4,063 |
| Total domestic deposits to total assets | 92.3862% | 173 |
| Equity capital to assets | 3.2343% | 7,170 |
| Core capital (leverage) ratio | 2.8552% | 7,183 |
| Tier 1 risk-based capital ratio | 4.2103% | 7,183 |
| Total risk-based capital ratio | 5.5272% | 7,182 |
| Memoranda: | ||
| Average total assets | $159,684,330 | 3,668 |
| Average earning assets | $144,710,670 | 3,699 |
| Average equity | $6,309,330 | 6,040 |
| Average total loans | $111,032,000 | 3,309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 3,190 |
| Cost of funding earning assets | 1.1797% | 1,067 |
| Net interest margin | 3.4852% | 4,773 |
| Noninterest income to average assets | 0.7735% | 2,283 |
| Noninterest expense to average assets | 4.0541% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1031% | 6,544 |
| Return on assets (ROA) | 3.1161% | 113 |
| Pretax return on assets | 3.1161% | 168 |
| Return on Equity (ROE) | 72.6648% | 16 |
| Retained earnings to average equity (ytd only) | 72.6648% | 11 |
| Net charge-offs to loans | 0.9906% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1474% | 4,418 |
| Efficiency ratio | 102.6103% | 480 |
| Assets per employee ($millions) | 3.4241% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5005% | 117 |
| Loan loss allowance to noncurrent loans | 28.9132% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 17.2401% | 77 |
| Noncurrent loans to loans | 19.0242% | 60 |
| Net loans and leases to total assets | 65.2905% | 2,600 |
| Net loans and leases to deposits | 73.0502% | 3,267 |
| Net loans and leases to core deposits | 77.4476% | 3,401 |
| Total domestic deposits to total assets | 89.3776% | 1,438 |
| Equity capital to assets | 4.3521% | 7,164 |
| Core capital (leverage) ratio | 4.0083% | 7,176 |
| Tier 1 risk-based capital ratio | 5.8928% | 7,178 |
| Total risk-based capital ratio | 7.1954% | 7,179 |
| Memoranda: | ||
| Average total assets | $162,895,500 | 3,640 |
| Average earning assets | $148,513,000 | 3,649 |
| Average equity | $6,985,500 | 5,878 |
| Average total loans | $115,076,500 | 3,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 4,034 |
| Cost of funding earning assets | 1.4171% | 963 |
| Net interest margin | 3.3323% | 5,720 |
| Noninterest income to average assets | 0.4209% | 4,443 |
| Noninterest expense to average assets | 4.1109% | 898 |
| Loan and lease loss provision to assets | 3.7963% | 63 |
| Net operating income to assets | -4.3641% | 7,275 |
| Return on assets (ROA) | -4.3561% | 7,281 |
| Pretax return on assets | -4.3561% | 7,286 |
| Return on Equity (ROE) | -74.7105% | 7,282 |
| Retained earnings to average equity (ytd only) | -74.7105% | 7,282 |
| Net charge-offs to loans | 3.9549% | 157 |
| Credit loss provision to net charge-offs | 128.9784% | 2,385 |
| Earnings coverage of net charge-offs (x) | -0.1929% | 5,953 |
| Efficiency ratio | 116.0235% | 344 |
| Assets per employee ($millions) | 3.2972% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3807% | 141 |
| Loan loss allowance to noncurrent loans | 33.1899% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 15.4958% | 102 |
| Noncurrent loans to loans | 16.2118% | 107 |
| Net loans and leases to total assets | 68.2782% | 2,341 |
| Net loans and leases to deposits | 77.2380% | 2,964 |
| Net loans and leases to core deposits | 82.0782% | 3,163 |
| Total domestic deposits to total assets | 88.3997% | 1,908 |
| Equity capital to assets | 4.2261% | 7,210 |
| Core capital (leverage) ratio | 2.9720% | 7,269 |
| Tier 1 risk-based capital ratio | 4.2583% | 7,272 |
| Total risk-based capital ratio | 5.5663% | 7,269 |
| Memoranda: | ||
| Average total assets | $187,233,400 | 3,231 |
| Average earning assets | $175,434,400 | 3,153 |
| Average equity | $10,916,800 | 4,804 |
| Average total loans | $139,346,800 | 2,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 4,731 |
| Cost of funding earning assets | 1.4554% | 1,004 |
| Net interest margin | 3.1777% | 6,209 |
| Noninterest income to average assets | 0.3596% | 4,992 |
| Noninterest expense to average assets | 3.9032% | 1,149 |
| Loan and lease loss provision to assets | 2.1400% | 237 |
| Net operating income to assets | -2.6870% | 7,238 |
| Return on assets (ROA) | -2.6766% | 7,251 |
| Pretax return on assets | -2.6766% | 7,241 |
| Return on Equity (ROE) | -43.3559% | 7,269 |
| Retained earnings to average equity (ytd only) | -43.3559% | 7,263 |
| Net charge-offs to loans | 4.1963% | 144 |
| Credit loss provision to net charge-offs | 68.0818% | 4,542 |
| Earnings coverage of net charge-offs (x) | -0.1740% | 5,707 |
| Efficiency ratio | 116.2958% | 343 |
| Assets per employee ($millions) | 3.4680% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6318% | 1,228 |
| Loan loss allowance to noncurrent loans | 16.0147% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 14.5615% | 144 |
| Noncurrent loans to loans | 16.4334% | 109 |
| Net loans and leases to total assets | 70.1374% | 2,061 |
| Net loans and leases to deposits | 80.6365% | 2,575 |
| Net loans and leases to core deposits | 86.8274% | 2,669 |
| Total domestic deposits to total assets | 86.9797% | 2,671 |
| Equity capital to assets | 6.4013% | 7,143 |
| Core capital (leverage) ratio | 5.1258% | 7,222 |
| Tier 1 risk-based capital ratio | 7.2018% | 7,231 |
| Total risk-based capital ratio | 8.4685% | 7,231 |
| Memoranda: | ||
| Average total assets | $192,827,250 | 3,164 |
| Average earning assets | $181,844,000 | 3,084 |
| Average equity | $11,904,250 | 4,591 |
| Average total loans | $144,442,750 | 2,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 5,484 |
| Cost of funding earning assets | 1.4942% | 1,026 |
| Net interest margin | 2.9672% | 6,664 |
| Noninterest income to average assets | 0.2392% | 5,935 |
| Noninterest expense to average assets | 4.0354% | 994 |
| Loan and lease loss provision to assets | 3.1603% | 136 |
| Net operating income to assets | -4.1384% | 7,399 |
| Return on assets (ROA) | -4.1232% | 7,404 |
| Pretax return on assets | -4.1232% | 7,398 |
| Return on Equity (ROE) | -67.5300% | 7,394 |
| Retained earnings to average equity (ytd only) | -67.5300% | 7,391 |
| Net charge-offs to loans | 2.8350% | 386 |
| Credit loss provision to net charge-offs | 147.1335% | 2,079 |
| Earnings coverage of net charge-offs (x) | -0.4554% | 5,515 |
| Efficiency ratio | 131.9908% | 241 |
| Assets per employee ($millions) | 3.6233% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0853% | 395 |
| Loan loss allowance to noncurrent loans | 23.4342% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 14.8293% | 152 |
| Noncurrent loans to loans | 17.4329% | 92 |
| Net loans and leases to total assets | 72.3620% | 1,716 |
| Net loans and leases to deposits | 83.4137% | 2,198 |
| Net loans and leases to core deposits | 90.7861% | 2,283 |
| Total domestic deposits to total assets | 86.7508% | 2,888 |
| Equity capital to assets | 5.4960% | 7,291 |
| Core capital (leverage) ratio | 4.5314% | 7,333 |
| Tier 1 risk-based capital ratio | 6.2651% | 7,351 |
| Total risk-based capital ratio | 7.5511% | 7,352 |
| Memoranda: | ||
| Average total assets | $198,146,330 | 3,119 |
| Average earning assets | $188,190,670 | 3,021 |
| Average equity | $12,098,330 | 4,532 |
| Average total loans | $150,122,000 | 2,683 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 5,445 |
| Cost of funding earning assets | 1.5792% | 881 |
| Net interest margin | 2.8911% | 6,772 |
| Noninterest income to average assets | 0.0788% | 7,001 |
| Noninterest expense to average assets | 4.0352% | 995 |
| Loan and lease loss provision to assets | 3.2352% | 144 |
| Net operating income to assets | -4.4430% | 7,466 |
| Return on assets (ROA) | -4.4135% | 7,466 |
| Pretax return on assets | -4.4135% | 7,455 |
| Return on Equity (ROE) | -69.0825% | 7,465 |
| Retained earnings to average equity (ytd only) | -69.0825% | 7,457 |
| Net charge-offs to loans | 2.1102% | 590 |
| Credit loss provision to net charge-offs | 201.9680% | 1,469 |
| Earnings coverage of net charge-offs (x) | -0.7540% | 4,858 |
| Efficiency ratio | 142.7178% | 201 |
| Assets per employee ($millions) | 3.6977% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7401% | 513 |
| Loan loss allowance to noncurrent loans | 22.5826% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 13.9484% | 182 |
| Noncurrent loans to loans | 16.5619% | 114 |
| Net loans and leases to total assets | 73.9763% | 1,349 |
| Net loans and leases to deposits | 85.9170% | 1,744 |
| Net loans and leases to core deposits | 94.2762% | 1,854 |
| Total domestic deposits to total assets | 86.1021% | 3,462 |
| Equity capital to assets | 6.0374% | 7,283 |
| Core capital (leverage) ratio | 5.1088% | 7,352 |
| Tier 1 risk-based capital ratio | 7.5762% | 7,322 |
| Total risk-based capital ratio | 8.8601% | 7,326 |
| Memoranda: | ||
| Average total assets | $203,014,000 | 3,079 |
| Average earning assets | $193,008,000 | 2,972 |
| Average equity | $12,970,000 | 4,343 |
| Average total loans | $154,110,500 | 2,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 5,655 |
| Cost of funding earning assets | 1.9477% | 728 |
| Net interest margin | 2.7924% | 7,037 |
| Noninterest income to average assets | 0.8710% | 1,970 |
| Noninterest expense to average assets | 2.9286% | 4,113 |
| Loan and lease loss provision to assets | 2.1970% | 563 |
| Net operating income to assets | -1.6137% | 6,947 |
| Return on assets (ROA) | -1.6137% | 6,967 |
| Pretax return on assets | -1.6137% | 6,898 |
| Return on Equity (ROE) | -24.2811% | 7,116 |
| Retained earnings to average equity (ytd only) | -24.2811% | 7,095 |
| Net charge-offs to loans | 2.8649% | 603 |
| Credit loss provision to net charge-offs | 103.0945% | 4,380 |
| Earnings coverage of net charge-offs (x) | 0.2737% | 5,835 |
| Efficiency ratio | 83.3900% | 1,998 |
| Assets per employee ($millions) | 3.8191% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0480% | 837 |
| Loan loss allowance to noncurrent loans | 20.7723% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 12.1348% | 272 |
| Noncurrent loans to loans | 14.6736% | 175 |
| Net loans and leases to total assets | 72.7478% | 1,934 |
| Net loans and leases to deposits | 87.4411% | 1,871 |
| Net loans and leases to core deposits | 100.0236% | 1,613 |
| Total domestic deposits to total assets | 83.1963% | 4,711 |
| Equity capital to assets | 6.7165% | 7,203 |
| Core capital (leverage) ratio | 5.8857% | 7,313 |
| Tier 1 risk-based capital ratio | 8.7715% | 7,283 |
| Total risk-based capital ratio | 10.0466% | 7,290 |
| Memoranda: | ||
| Average total assets | $225,945,600 | 2,802 |
| Average earning assets | $213,688,000 | 2,705 |
| Average equity | $15,015,800 | 3,938 |
| Average total loans | $168,068,600 | 2,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 5,742 |
| Cost of funding earning assets | 2.0088% | 727 |
| Net interest margin | 2.7699% | 7,161 |
| Noninterest income to average assets | 0.8977% | 1,805 |
| Noninterest expense to average assets | 2.7673% | 4,612 |
| Loan and lease loss provision to assets | 2.0465% | 581 |
| Net operating income to assets | -1.3013% | 7,034 |
| Return on assets (ROA) | -1.3013% | 7,059 |
| Pretax return on assets | -1.3013% | 6,978 |
| Return on Equity (ROE) | -19.6285% | 7,214 |
| Retained earnings to average equity (ytd only) | -19.6285% | 7,197 |
| Net charge-offs to loans | 2.1927% | 826 |
| Credit loss provision to net charge-offs | 125.7214% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.4578% | 5,563 |
| Efficiency ratio | 78.7849% | 2,519 |
| Assets per employee ($millions) | 3.9447% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2803% | 651 |
| Loan loss allowance to noncurrent loans | 28.7095% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 9.4195% | 454 |
| Noncurrent loans to loans | 11.4258% | 323 |
| Net loans and leases to total assets | 71.7692% | 2,302 |
| Net loans and leases to deposits | 86.3645% | 2,266 |
| Net loans and leases to core deposits | 106.7674% | 1,258 |
| Total domestic deposits to total assets | 83.1004% | 4,554 |
| Equity capital to assets | 7.2905% | 7,232 |
| Core capital (leverage) ratio | 6.2459% | 7,396 |
| Tier 1 risk-based capital ratio | 9.2427% | 7,315 |
| Total risk-based capital ratio | 10.5206% | 7,321 |
| Memoranda: | ||
| Average total assets | $229,919,750 | 2,785 |
| Average earning assets | $217,041,000 | 2,700 |
| Average equity | $15,242,750 | 3,941 |
| Average total loans | $170,683,250 | 2,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 5,428 |
| Cost of funding earning assets | 2.0578% | 755 |
| Net interest margin | 2.8340% | 7,099 |
| Noninterest income to average assets | 1.0141% | 1,341 |
| Noninterest expense to average assets | 2.7794% | 4,582 |
| Loan and lease loss provision to assets | 2.6807% | 399 |
| Net operating income to assets | -1.7843% | 7,252 |
| Return on assets (ROA) | -1.7834% | 7,255 |
| Pretax return on assets | -1.7834% | 7,170 |
| Return on Equity (ROE) | -27.7761% | 7,403 |
| Retained earnings to average equity (ytd only) | -27.7761% | 7,388 |
| Net charge-offs to loans | 0.4406% | 3,221 |
| Credit loss provision to net charge-offs | 819.4226% | 455 |
| Earnings coverage of net charge-offs (x) | 2.7402% | 3,621 |
| Efficiency ratio | 75.6132% | 3,141 |
| Assets per employee ($millions) | 3.8282% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3565% | 281 |
| Loan loss allowance to noncurrent loans | 59.5827% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 6.2736% | 918 |
| Noncurrent loans to loans | 7.3117% | 743 |
| Net loans and leases to total assets | 70.6917% | 2,753 |
| Net loans and leases to deposits | 85.3289% | 2,629 |
| Net loans and leases to core deposits | 105.4288% | 1,498 |
| Total domestic deposits to total assets | 82.8462% | 4,631 |
| Equity capital to assets | 6.6611% | 7,447 |
| Core capital (leverage) ratio | 5.9265% | 7,490 |
| Tier 1 risk-based capital ratio | 8.9099% | 7,432 |
| Total risk-based capital ratio | 10.2036% | 7,435 |
| Memoranda: | ||
| Average total assets | $232,925,000 | 2,767 |
| Average earning assets | $218,773,670 | 2,700 |
| Average equity | $14,955,330 | 3,999 |
| Average total loans | $172,938,330 | 2,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 5,070 |
| Cost of funding earning assets | 2.1095% | 790 |
| Net interest margin | 2.8781% | 7,055 |
| Noninterest income to average assets | 0.4537% | 4,434 |
| Noninterest expense to average assets | 2.8072% | 4,457 |
| Loan and lease loss provision to assets | 1.9732% | 563 |
| Net operating income to assets | -1.6509% | 7,373 |
| Return on assets (ROA) | -1.6509% | 7,377 |
| Pretax return on assets | -1.6509% | 7,303 |
| Return on Equity (ROE) | -26.1922% | 7,516 |
| Retained earnings to average equity (ytd only) | -26.1922% | 7,478 |
| Net charge-offs to loans | 0.8091% | 1,919 |
| Credit loss provision to net charge-offs | 327.7620% | 1,212 |
| Earnings coverage of net charge-offs (x) | 0.5354% | 4,555 |
| Efficiency ratio | 89.7003% | 1,454 |
| Assets per employee ($millions) | 3.7498% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1443% | 729 |
| Loan loss allowance to noncurrent loans | 41.7387% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 7.4479% | 690 |
| Noncurrent loans to loans | 7.5334% | 755 |
| Net loans and leases to total assets | 73.5141% | 2,079 |
| Net loans and leases to deposits | 89.3272% | 2,012 |
| Net loans and leases to core deposits | 112.7211% | 1,118 |
| Total domestic deposits to total assets | 82.2976% | 4,933 |
| Equity capital to assets | 7.1392% | 7,311 |
| Core capital (leverage) ratio | 6.4332% | 7,488 |
| Tier 1 risk-based capital ratio | 9.2805% | 7,399 |
| Total risk-based capital ratio | 10.5569% | 7,388 |
| Memoranda: | ||
| Average total assets | $234,541,000 | 2,818 |
| Average earning assets | $218,058,500 | 2,762 |
| Average equity | $14,783,000 | 4,062 |
| Average total loans | $174,522,500 | 2,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 6,230 |
| Cost of funding earning assets | 2.6365% | 697 |
| Net interest margin | 2.4222% | 7,490 |
| Noninterest income to average assets | 0.5517% | 4,006 |
| Noninterest expense to average assets | 2.8863% | 4,582 |
| Loan and lease loss provision to assets | 2.3462% | 866 |
| Net operating income to assets | -2.3941% | 7,224 |
| Return on assets (ROA) | -2.3912% | 7,234 |
| Pretax return on assets | -2.3912% | 7,107 |
| Return on Equity (ROE) | -36.4163% | 7,513 |
| Retained earnings to average equity (ytd only) | -36.4163% | 7,500 |
| Net charge-offs to loans | 2.2089% | 1,077 |
| Credit loss provision to net charge-offs | 140.2963% | 3,468 |
| Earnings coverage of net charge-offs (x) | -0.0286% | 6,245 |
| Efficiency ratio | 101.6875% | 1,022 |
| Assets per employee ($millions) | 3.8765% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6534% | 1,066 |
| Loan loss allowance to noncurrent loans | 34.0626% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 7.2471% | 690 |
| Noncurrent loans to loans | 7.7899% | 660 |
| Net loans and leases to total assets | 71.0549% | 2,984 |
| Net loans and leases to deposits | 85.0301% | 3,078 |
| Net loans and leases to core deposits | 131.5207% | 1,198 |
| Total domestic deposits to total assets | 83.5645% | 4,251 |
| Equity capital to assets | 5.5071% | 7,733 |
| Core capital (leverage) ratio | 4.9096% | 7,776 |
| Tier 1 risk-based capital ratio | 7.0892% | 7,739 |
| Total risk-based capital ratio | 8.3569% | 7,741 |
| Memoranda: | ||
| Average total assets | $242,178,000 | 2,694 |
| Average earning assets | $228,632,600 | 2,610 |
| Average equity | $15,902,200 | 3,884 |
| Average total loans | $183,349,800 | 2,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 6,162 |
| Cost of funding earning assets | 2.7275% | 728 |
| Net interest margin | 2.4053% | 7,556 |
| Noninterest income to average assets | 0.5814% | 3,841 |
| Noninterest expense to average assets | 2.8964% | 4,470 |
| Loan and lease loss provision to assets | 2.7865% | 557 |
| Net operating income to assets | -2.8289% | 7,551 |
| Return on assets (ROA) | -2.8289% | 7,552 |
| Pretax return on assets | -2.8289% | 7,456 |
| Return on Equity (ROE) | -41.4264% | 7,766 |
| Retained earnings to average equity (ytd only) | -41.4264% | 7,763 |
| Net charge-offs to loans | 2.5288% | 725 |
| Credit loss provision to net charge-offs | 144.2674% | 3,380 |
| Earnings coverage of net charge-offs (x) | -0.0219% | 6,093 |
| Efficiency ratio | 101.4825% | 1,000 |
| Assets per employee ($millions) | 3.8283% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5564% | 1,008 |
| Loan loss allowance to noncurrent loans | 38.9007% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 6.4112% | 795 |
| Noncurrent loans to loans | 6.5716% | 866 |
| Net loans and leases to total assets | 72.3670% | 2,941 |
| Net loans and leases to deposits | 87.0141% | 3,140 |
| Net loans and leases to core deposits | 144.0507% | 763 |
| Total domestic deposits to total assets | 83.1669% | 4,140 |
| Equity capital to assets | 5.8797% | 7,878 |
| Core capital (leverage) ratio | 5.1148% | 7,915 |
| Tier 1 risk-based capital ratio | 7.3752% | 7,861 |
| Total risk-based capital ratio | 8.6430% | 7,862 |
| Memoranda: | ||
| Average total assets | $242,636,250 | 2,706 |
| Average earning assets | $229,265,750 | 2,623 |
| Average equity | $16,568,750 | 3,792 |
| Average total loans | $185,329,250 | 2,484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 6,216 |
| Cost of funding earning assets | 2.8098% | 765 |
| Net interest margin | 2.3527% | 7,622 |
| Noninterest income to average assets | 0.6071% | 3,636 |
| Noninterest expense to average assets | 2.8101% | 4,920 |
| Loan and lease loss provision to assets | 2.5156% | 620 |
| Net operating income to assets | -2.4959% | 7,557 |
| Return on assets (ROA) | -2.4959% | 7,548 |
| Pretax return on assets | -2.4959% | 7,419 |
| Return on Equity (ROE) | -34.9445% | 7,784 |
| Retained earnings to average equity (ytd only) | -34.9445% | 7,764 |
| Net charge-offs to loans | 3.3661% | 470 |
| Credit loss provision to net charge-offs | 96.9562% | 4,706 |
| Earnings coverage of net charge-offs (x) | 0.0076% | 5,682 |
| Efficiency ratio | 99.3023% | 1,209 |
| Assets per employee ($millions) | 3.6601% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 2,816 |
| Loan loss allowance to noncurrent loans | 28.4423% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 5.8344% | 840 |
| Noncurrent loans to loans | 5.5671% | 1,036 |
| Net loans and leases to total assets | 75.3111% | 2,364 |
| Net loans and leases to deposits | 89.1135% | 2,974 |
| Net loans and leases to core deposits | 150.2999% | 644 |
| Total domestic deposits to total assets | 84.5115% | 3,500 |
| Equity capital to assets | 6.3751% | 7,845 |
| Core capital (leverage) ratio | 5.9923% | 7,925 |
| Tier 1 risk-based capital ratio | 8.3499% | 7,869 |
| Total risk-based capital ratio | 9.6048% | 7,902 |
| Memoranda: | ||
| Average total assets | $243,119,670 | 2,724 |
| Average earning assets | $229,693,330 | 2,637 |
| Average equity | $17,364,670 | 3,643 |
| Average total loans | $187,399,670 | 2,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 5,967 |
| Cost of funding earning assets | 2.9070% | 756 |
| Net interest margin | 2.3745% | 7,646 |
| Noninterest income to average assets | 0.5658% | 3,785 |
| Noninterest expense to average assets | 2.7684% | 4,706 |
| Loan and lease loss provision to assets | 0.5199% | 2,387 |
| Net operating income to assets | -0.4773% | 6,852 |
| Return on assets (ROA) | -0.4773% | 6,913 |
| Pretax return on assets | -0.4773% | 6,806 |
| Return on Equity (ROE) | -6.3444% | 7,091 |
| Retained earnings to average equity (ytd only) | -6.3444% | 6,725 |
| Net charge-offs to loans | 0.1336% | 3,890 |
| Credit loss provision to net charge-offs | 503.1746% | 1,068 |
| Earnings coverage of net charge-offs (x) | 0.4127% | 4,658 |
| Efficiency ratio | 98.4831% | 1,194 |
| Assets per employee ($millions) | 3.7140% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 1,981 |
| Loan loss allowance to noncurrent loans | 35.0594% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 5.4670% | 786 |
| Noncurrent loans to loans | 4.9866% | 1,089 |
| Net loans and leases to total assets | 75.1309% | 2,471 |
| Net loans and leases to deposits | 90.3989% | 2,868 |
| Net loans and leases to core deposits | 162.4426% | 459 |
| Total domestic deposits to total assets | 83.1104% | 4,086 |
| Equity capital to assets | 7.4720% | 7,371 |
| Core capital (leverage) ratio | 7.0410% | 7,606 |
| Tier 1 risk-based capital ratio | 9.7569% | 7,196 |
| Total risk-based capital ratio | 11.0139% | 7,091 |
| Memoranda: | ||
| Average total assets | $243,896,500 | 2,723 |
| Average earning assets | $230,618,500 | 2,641 |
| Average equity | $18,347,000 | 3,507 |
| Average total loans | $188,673,000 | 2,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3736% | 3,555 |
| Cost of funding earning assets | 3.3380% | 834 |
| Net interest margin | 3.0357% | 6,822 |
| Noninterest income to average assets | 0.4098% | 5,393 |
| Noninterest expense to average assets | 2.7302% | 5,129 |
| Loan and lease loss provision to assets | 0.7180% | 2,059 |
| Net operating income to assets | -0.1467% | 6,555 |
| Return on assets (ROA) | -0.1467% | 6,401 |
| Pretax return on assets | -0.1467% | 6,318 |
| Return on Equity (ROE) | -1.9356% | 6,491 |
| Retained earnings to average equity (ytd only) | -4.9890% | 6,514 |
| Net charge-offs to loans | 0.5255% | 2,263 |
| Credit loss provision to net charge-offs | 175.0252% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.3927% | 5,431 |
| Efficiency ratio | 82.6952% | 2,218 |
| Assets per employee ($millions) | 3.5686% | 4,503 |
| Cash dividends to net income (ytd only)* | -157.7465% | 8,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 2,284 |
| Loan loss allowance to noncurrent loans | 80.6779% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.7354% | 1,729 |
| Noncurrent loans to loans | 1.9731% | 2,796 |
| Net loans and leases to total assets | 77.0112% | 2,376 |
| Net loans and leases to deposits | 92.4572% | 3,061 |
| Net loans and leases to core deposits | 171.4967% | 378 |
| Total domestic deposits to total assets | 83.2939% | 3,656 |
| Equity capital to assets | 7.5734% | 7,325 |
| Core capital (leverage) ratio | 7.1857% | 7,533 |
| Tier 1 risk-based capital ratio | 9.6368% | 7,162 |
| Total risk-based capital ratio | 10.8644% | 7,078 |
| Memoranda: | ||
| Average total assets | $242,071,000 | 2,634 |
| Average earning assets | $230,590,400 | 2,548 |
| Average equity | $18,340,200 | 3,502 |
| Average total loans | $188,964,600 | 2,406 |