Home > Bay View Federal Savings and Loan Association > Performance and Condition Ratios
Bay View Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 4.0318% | 3,556 |
| Cost of funding earning assets | 0.8008% | 743 |
| Net interest margin | 3.2311% | 4,815 |
| Noninterest income to average assets | 0.1451% | 6,101 |
| Noninterest expense to average assets | 1.2262% | 6,622 |
| Loan and lease loss provision to assets | 0.2636% | 796 |
| Net operating income to assets | 1.1492% | 1,634 |
| Return on assets (ROA) | 1.1492% | 1,702 |
| Pretax return on assets | 1.7267% | 921 |
| Return on Equity (ROE) | 7.8902% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.8902% | 1,637 |
| Net charge-offs to loans | 0.6148% | 603 |
| Credit loss provision to net charge-offs | 78.0702% | 1,918 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 2,315 |
| Efficiency ratio | 38.1215% | 6,618 |
| Assets per employee ($millions) | 13.5613% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 4,529 |
| Loan loss allowance to noncurrent loans | 276.1468% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 3,616 |
| Noncurrent loans to loans | 0.4431% | 4,815 |
| Net loans and leases to total assets | 53.7566% | 4,451 |
| Net loans and leases to deposits | 66.3792% | 4,043 |
| Net loans and leases to core deposits | 69.1208% | 4,189 |
| Total domestic deposits to total assets | 80.9841% | 5,239 |
| Equity capital to assets | 14.6476% | 754 |
| Core capital (leverage) ratio | 14.6476% | 665 |
| Tier 1 risk-based capital ratio | 35.5616% | 334 |
| Total risk-based capital ratio | 36.8166% | 325 |
| Memoranda: | ||
| Average total assets | $135,055,500 | 3,975 |
| Average earning assets | $128,378,500 | 3,881 |
| Average equity | $19,670,000 | 3,205 |
| Average total loans | $74,171,500 | 4,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,775 |
| Cost of funding earning assets | 0.8753% | 840 |
| Net interest margin | 2.9364% | 5,718 |
| Noninterest income to average assets | -0.1132% | 6,726 |
| Noninterest expense to average assets | 1.2030% | 6,713 |
| Loan and lease loss provision to assets | 0.2102% | 1,759 |
| Net operating income to assets | 0.8928% | 2,817 |
| Return on assets (ROA) | 0.8928% | 2,908 |
| Pretax return on assets | 1.2595% | 2,319 |
| Return on Equity (ROE) | 6.4347% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.4347% | 1,723 |
| Net charge-offs to loans | 1.0798% | 525 |
| Credit loss provision to net charge-offs | 36.0656% | 4,130 |
| Earnings coverage of net charge-offs (x) | 2.5221% | 4,172 |
| Efficiency ratio | 45.0096% | 6,587 |
| Assets per employee ($millions) | 13.4498% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,412 |
| Loan loss allowance to noncurrent loans | 187.4747% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 3,469 |
| Noncurrent loans to loans | 0.6641% | 4,312 |
| Net loans and leases to total assets | 54.7302% | 4,494 |
| Net loans and leases to deposits | 67.2142% | 4,155 |
| Net loans and leases to core deposits | 70.1471% | 4,277 |
| Total domestic deposits to total assets | 81.4265% | 5,060 |
| Equity capital to assets | 14.4805% | 788 |
| Core capital (leverage) ratio | 14.4805% | 694 |
| Tier 1 risk-based capital ratio | 34.9395% | 336 |
| Total risk-based capital ratio | 36.1953% | 328 |
| Memoranda: | ||
| Average total assets | $136,081,200 | 3,955 |
| Average earning assets | $129,105,200 | 3,866 |
| Average equity | $18,882,000 | 3,292 |
| Average total loans | $73,437,200 | 4,151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,840 |
| Cost of funding earning assets | 0.8905% | 853 |
| Net interest margin | 2.9135% | 5,783 |
| Noninterest income to average assets | -0.1661% | 6,826 |
| Noninterest expense to average assets | 1.0991% | 6,812 |
| Loan and lease loss provision to assets | 0.1983% | 1,831 |
| Net operating income to assets | 0.9242% | 2,716 |
| Return on assets (ROA) | 0.9242% | 2,829 |
| Pretax return on assets | 1.3013% | 2,323 |
| Return on Equity (ROE) | 6.7329% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,011 |
| Net charge-offs to loans | 0.2187% | 2,513 |
| Credit loss provision to net charge-offs | 169.1667% | 1,409 |
| Earnings coverage of net charge-offs (x) | 12.7914% | 2,093 |
| Efficiency ratio | 42.2932% | 6,698 |
| Assets per employee ($millions) | 13.7716% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 1,632 |
| Loan loss allowance to noncurrent loans | 91.9443% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 3,256 |
| Noncurrent loans to loans | 2.2195% | 1,996 |
| Net loans and leases to total assets | 52.9118% | 4,763 |
| Net loans and leases to deposits | 64.6543% | 4,445 |
| Net loans and leases to core deposits | 67.5774% | 4,564 |
| Total domestic deposits to total assets | 81.8380% | 4,984 |
| Equity capital to assets | 13.9454% | 977 |
| Core capital (leverage) ratio | 13.9454% | 881 |
| Tier 1 risk-based capital ratio | 34.7847% | 342 |
| Total risk-based capital ratio | 36.0526% | 338 |
| Memoranda: | ||
| Average total assets | $136,477,000 | 3,986 |
| Average earning assets | $129,508,750 | 3,893 |
| Average equity | $18,733,500 | 3,342 |
| Average total loans | $73,161,750 | 4,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 4,720 |
| Cost of funding earning assets | 0.9096% | 852 |
| Net interest margin | 2.9240% | 5,741 |
| Noninterest income to average assets | -0.2749% | 6,884 |
| Noninterest expense to average assets | 1.1010% | 6,855 |
| Loan and lease loss provision to assets | 0.0441% | 4,083 |
| Net operating income to assets | 0.9466% | 2,587 |
| Return on assets (ROA) | 0.9466% | 2,732 |
| Pretax return on assets | 1.3538% | 2,105 |
| Return on Equity (ROE) | 6.9336% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.9336% | 1,913 |
| Net charge-offs to loans | 0.2419% | 2,270 |
| Credit loss provision to net charge-offs | 34.0909% | 3,515 |
| Earnings coverage of net charge-offs (x) | 10.8068% | 2,122 |
| Efficiency ratio | 44.0588% | 6,705 |
| Assets per employee ($millions) | 15.2683% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8419% | 2,284 |
| Loan loss allowance to noncurrent loans | 80.4793% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 3,261 |
| Noncurrent loans to loans | 2.2887% | 2,067 |
| Net loans and leases to total assets | 53.4017% | 4,673 |
| Net loans and leases to deposits | 64.9824% | 4,379 |
| Net loans and leases to core deposits | 67.7449% | 4,524 |
| Total domestic deposits to total assets | 82.1788% | 4,992 |
| Equity capital to assets | 13.7561% | 1,031 |
| Core capital (leverage) ratio | 13.7561% | 897 |
| Tier 1 risk-based capital ratio | 33.9512% | 371 |
| Total risk-based capital ratio | 35.2156% | 364 |
| Memoranda: | ||
| Average total assets | $136,064,000 | 4,023 |
| Average earning assets | $129,071,330 | 3,918 |
| Average equity | $18,576,330 | 3,387 |
| Average total loans | $72,753,670 | 4,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,478 |
| Cost of funding earning assets | 0.9241% | 879 |
| Net interest margin | 2.9751% | 5,635 |
| Noninterest income to average assets | -0.4018% | 6,978 |
| Noninterest expense to average assets | 1.1079% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9070% | 2,610 |
| Return on assets (ROA) | 0.9070% | 2,767 |
| Pretax return on assets | 1.3059% | 2,211 |
| Return on Equity (ROE) | 6.6692% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.6692% | 2,332 |
| Net charge-offs to loans | 0.4906% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.0227% | 2,423 |
| Efficiency ratio | 45.8996% | 6,697 |
| Assets per employee ($millions) | 15.0543% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 2,415 |
| Loan loss allowance to noncurrent loans | 78.4051% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 2,794 |
| Noncurrent loans to loans | 2.3742% | 2,192 |
| Net loans and leases to total assets | 52.4131% | 4,640 |
| Net loans and leases to deposits | 62.8009% | 4,443 |
| Net loans and leases to core deposits | 65.2984% | 4,613 |
| Total domestic deposits to total assets | 83.4592% | 4,688 |
| Equity capital to assets | 13.7030% | 1,133 |
| Core capital (leverage) ratio | 13.7030% | 873 |
| Tier 1 risk-based capital ratio | 34.4888% | 365 |
| Total risk-based capital ratio | 35.7538% | 355 |
| Memoranda: | ||
| Average total assets | $135,388,500 | 4,081 |
| Average earning assets | $128,130,500 | 3,979 |
| Average equity | $18,413,000 | 3,465 |
| Average total loans | $71,751,000 | 4,279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 5,114 |
| Cost of funding earning assets | 1.1543% | 722 |
| Net interest margin | 2.9024% | 6,221 |
| Noninterest income to average assets | -0.0220% | 6,864 |
| Noninterest expense to average assets | 1.0520% | 7,003 |
| Loan and lease loss provision to assets | 0.3023% | 2,259 |
| Net operating income to assets | 0.9721% | 2,455 |
| Return on assets (ROA) | 0.9721% | 2,685 |
| Pretax return on assets | 1.3704% | 2,143 |
| Return on Equity (ROE) | 7.5392% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.5392% | 1,315 |
| Net charge-offs to loans | 0.0517% | 5,199 |
| Credit loss provision to net charge-offs | 1,113.5135% | 233 |
| Earnings coverage of net charge-offs (x) | 61.6216% | 585 |
| Efficiency ratio | 38.6107% | 6,955 |
| Assets per employee ($millions) | 15.0320% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 1,979 |
| Loan loss allowance to noncurrent loans | 78.9329% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.8405% | 2,657 |
| Noncurrent loans to loans | 2.5555% | 2,069 |
| Net loans and leases to total assets | 51.5242% | 4,976 |
| Net loans and leases to deposits | 61.6235% | 4,825 |
| Net loans and leases to core deposits | 64.0745% | 4,947 |
| Total domestic deposits to total assets | 83.6113% | 4,494 |
| Equity capital to assets | 13.4971% | 1,232 |
| Core capital (leverage) ratio | 13.4971% | 948 |
| Tier 1 risk-based capital ratio | 34.1391% | 364 |
| Total risk-based capital ratio | 35.4067% | 362 |
| Memoranda: | ||
| Average total assets | $136,308,200 | 4,019 |
| Average earning assets | $128,998,600 | 3,924 |
| Average equity | $17,574,800 | 3,524 |
| Average total loans | $71,541,000 | 4,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 5,301 |
| Cost of funding earning assets | 1.2061% | 674 |
| Net interest margin | 2.8595% | 6,419 |
| Noninterest income to average assets | 0.0264% | 6,877 |
| Noninterest expense to average assets | 0.9724% | 7,123 |
| Loan and lease loss provision to assets | 0.3808% | 1,698 |
| Net operating income to assets | 0.9763% | 2,631 |
| Return on assets (ROA) | 0.9763% | 2,852 |
| Pretax return on assets | 1.3815% | 2,297 |
| Return on Equity (ROE) | 7.6611% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.6611% | 1,774 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5587% | 7,077 |
| Assets per employee ($millions) | 15.3141% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,020 |
| Loan loss allowance to noncurrent loans | 82.0136% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 2,850 |
| Noncurrent loans to loans | 2.5063% | 2,287 |
| Net loans and leases to total assets | 50.1288% | 5,300 |
| Net loans and leases to deposits | 59.6904% | 5,242 |
| Net loans and leases to core deposits | 61.8724% | 5,372 |
| Total domestic deposits to total assets | 83.9814% | 4,232 |
| Equity capital to assets | 13.0120% | 1,589 |
| Core capital (leverage) ratio | 13.0120% | 1,190 |
| Tier 1 risk-based capital ratio | 33.2882% | 403 |
| Total risk-based capital ratio | 34.5559% | 398 |
| Memoranda: | ||
| Average total assets | $136,563,250 | 4,049 |
| Average earning assets | $129,341,250 | 3,954 |
| Average equity | $17,403,500 | 3,589 |
| Average total loans | $71,641,000 | 4,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 5,335 |
| Cost of funding earning assets | 1.2490% | 651 |
| Net interest margin | 2.8452% | 6,507 |
| Noninterest income to average assets | 0.0029% | 6,981 |
| Noninterest expense to average assets | 0.9901% | 7,190 |
| Loan and lease loss provision to assets | 0.4481% | 1,438 |
| Net operating income to assets | 0.9079% | 2,874 |
| Return on assets (ROA) | 0.9079% | 3,142 |
| Pretax return on assets | 1.2619% | 2,685 |
| Return on Equity (ROE) | 7.1749% | 3,684 |
| Retained earnings to average equity (ytd only) | 7.1749% | 2,007 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6703% | 7,114 |
| Assets per employee ($millions) | 13.8192% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 2,452 |
| Loan loss allowance to noncurrent loans | 77.2933% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.8503% | 2,969 |
| Noncurrent loans to loans | 2.4935% | 2,418 |
| Net loans and leases to total assets | 50.2634% | 5,322 |
| Net loans and leases to deposits | 59.7696% | 5,256 |
| Net loans and leases to core deposits | 61.9327% | 5,395 |
| Total domestic deposits to total assets | 84.0953% | 4,278 |
| Equity capital to assets | 12.7012% | 1,687 |
| Core capital (leverage) ratio | 12.7012% | 1,258 |
| Tier 1 risk-based capital ratio | 30.9188% | 482 |
| Total risk-based capital ratio | 32.1836% | 474 |
| Memoranda: | ||
| Average total assets | $136,142,000 | 4,071 |
| Average earning assets | $129,058,330 | 3,978 |
| Average equity | $17,226,670 | 3,609 |
| Average total loans | $72,007,670 | 4,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 5,134 |
| Cost of funding earning assets | 1.3263% | 568 |
| Net interest margin | 2.8658% | 6,531 |
| Noninterest income to average assets | -0.0710% | 7,153 |
| Noninterest expense to average assets | 1.0687% | 7,243 |
| Loan and lease loss provision to assets | 0.4885% | 1,244 |
| Net operating income to assets | 0.7697% | 3,526 |
| Return on assets (ROA) | 0.7697% | 3,762 |
| Pretax return on assets | 1.0776% | 3,405 |
| Return on Equity (ROE) | 6.0947% | 4,242 |
| Retained earnings to average equity (ytd only) | 6.0947% | 2,902 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5618% | 7,092 |
| Assets per employee ($millions) | 15.2408% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 3,400 |
| Loan loss allowance to noncurrent loans | 70.3619% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8459% | 3,119 |
| Noncurrent loans to loans | 2.3973% | 2,708 |
| Net loans and leases to total assets | 52.0511% | 5,020 |
| Net loans and leases to deposits | 61.4559% | 4,991 |
| Net loans and leases to core deposits | 63.5193% | 5,173 |
| Total domestic deposits to total assets | 84.6968% | 4,162 |
| Equity capital to assets | 12.5351% | 1,705 |
| Core capital (leverage) ratio | 12.5351% | 1,328 |
| Tier 1 risk-based capital ratio | 29.5338% | 547 |
| Total risk-based capital ratio | 30.7946% | 535 |
| Memoranda: | ||
| Average total assets | $135,117,000 | 4,128 |
| Average earning assets | $127,573,500 | 4,025 |
| Average equity | $17,064,000 | 3,637 |
| Average total loans | $72,599,000 | 4,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 6,020 |
| Cost of funding earning assets | 1.5481% | 591 |
| Net interest margin | 2.6643% | 6,957 |
| Noninterest income to average assets | 0.1298% | 6,507 |
| Noninterest expense to average assets | 1.0641% | 7,286 |
| Loan and lease loss provision to assets | 1.1527% | 778 |
| Net operating income to assets | 0.5426% | 4,263 |
| Return on assets (ROA) | 0.5426% | 4,452 |
| Pretax return on assets | 0.4586% | 5,107 |
| Return on Equity (ROE) | 4.1884% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.1884% | 3,199 |
| Net charge-offs to loans | 1.5480% | 1,028 |
| Credit loss provision to net charge-offs | 138.2106% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.9320% | 4,322 |
| Efficiency ratio | 39.7734% | 7,217 |
| Assets per employee ($millions) | 16.6334% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 4,190 |
| Loan loss allowance to noncurrent loans | 63.3592% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 2,527 |
| Noncurrent loans to loans | 2.3052% | 2,850 |
| Net loans and leases to total assets | 53.7444% | 5,074 |
| Net loans and leases to deposits | 63.3283% | 5,086 |
| Net loans and leases to core deposits | 64.8242% | 5,386 |
| Total domestic deposits to total assets | 84.8663% | 3,918 |
| Equity capital to assets | 12.7259% | 1,642 |
| Core capital (leverage) ratio | 12.7259% | 1,254 |
| Tier 1 risk-based capital ratio | 29.0005% | 566 |
| Total risk-based capital ratio | 30.2576% | 556 |
| Memoranda: | ||
| Average total assets | $128,651,600 | 4,200 |
| Average earning assets | $122,922,400 | 4,073 |
| Average equity | $16,665,000 | 3,628 |
| Average total loans | $69,316,000 | 4,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 6,108 |
| Cost of funding earning assets | 1.5814% | 634 |
| Net interest margin | 2.6593% | 7,025 |
| Noninterest income to average assets | 0.1213% | 6,656 |
| Noninterest expense to average assets | 0.9826% | 7,375 |
| Loan and lease loss provision to assets | 0.9753% | 896 |
| Net operating income to assets | 0.7349% | 3,453 |
| Return on assets (ROA) | 0.7349% | 3,632 |
| Pretax return on assets | 0.7140% | 4,422 |
| Return on Equity (ROE) | 5.6472% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.6472% | 2,774 |
| Net charge-offs to loans | 1.8160% | 730 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.7320% | 4,354 |
| Efficiency ratio | 36.7762% | 7,307 |
| Assets per employee ($millions) | 14.7728% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,543 |
| Loan loss allowance to noncurrent loans | 107.0840% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 3,631 |
| Noncurrent loans to loans | 0.8565% | 5,152 |
| Net loans and leases to total assets | 52.8119% | 5,348 |
| Net loans and leases to deposits | 63.0577% | 5,285 |
| Net loans and leases to core deposits | 65.3002% | 5,494 |
| Total domestic deposits to total assets | 83.7516% | 4,347 |
| Equity capital to assets | 12.7404% | 1,760 |
| Core capital (leverage) ratio | 12.7404% | 1,330 |
| Tier 1 risk-based capital ratio | 30.3485% | 518 |
| Total risk-based capital ratio | 31.5130% | 515 |
| Memoranda: | ||
| Average total assets | $127,547,750 | 4,240 |
| Average earning assets | $122,336,250 | 4,107 |
| Average equity | $16,597,750 | 3,646 |
| Average total loans | $68,501,000 | 4,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 6,157 |
| Cost of funding earning assets | 1.6142% | 660 |
| Net interest margin | 2.6364% | 7,091 |
| Noninterest income to average assets | 0.1241% | 6,710 |
| Noninterest expense to average assets | 1.0052% | 7,453 |
| Loan and lease loss provision to assets | 0.9145% | 980 |
| Net operating income to assets | 0.8080% | 3,031 |
| Return on assets (ROA) | 0.8080% | 3,154 |
| Pretax return on assets | 0.7396% | 4,248 |
| Return on Equity (ROE) | 6.1636% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.1636% | 2,323 |
| Net charge-offs to loans | 1.1076% | 1,422 |
| Credit loss provision to net charge-offs | 153.3333% | 1,991 |
| Earnings coverage of net charge-offs (x) | 2.7733% | 3,460 |
| Efficiency ratio | 37.7990% | 7,367 |
| Assets per employee ($millions) | 15.9766% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,569 |
| Loan loss allowance to noncurrent loans | 40.5534% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 3,167 |
| Noncurrent loans to loans | 2.9463% | 2,465 |
| Net loans and leases to total assets | 54.9944% | 5,150 |
| Net loans and leases to deposits | 64.5478% | 5,204 |
| Net loans and leases to core deposits | 66.8830% | 5,401 |
| Total domestic deposits to total assets | 85.1995% | 3,783 |
| Equity capital to assets | 13.1004% | 1,469 |
| Core capital (leverage) ratio | 13.1004% | 1,110 |
| Tier 1 risk-based capital ratio | 30.7173% | 499 |
| Total risk-based capital ratio | 31.9703% | 490 |
| Memoranda: | ||
| Average total assets | $125,745,330 | 4,309 |
| Average earning assets | $120,924,330 | 4,170 |
| Average equity | $16,484,000 | 3,655 |
| Average total loans | $67,712,670 | 4,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 6,327 |
| Cost of funding earning assets | 1.6675% | 635 |
| Net interest margin | 2.5112% | 7,192 |
| Noninterest income to average assets | 0.1187% | 6,818 |
| Noninterest expense to average assets | 1.0232% | 7,512 |
| Loan and lease loss provision to assets | 1.2252% | 573 |
| Net operating income to assets | 0.7569% | 3,236 |
| Return on assets (ROA) | 0.7569% | 3,299 |
| Pretax return on assets | 0.2855% | 5,702 |
| Return on Equity (ROE) | 5.7723% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.7723% | 2,766 |
| Net charge-offs to loans | 0.1939% | 3,340 |
| Credit loss provision to net charge-offs | 1,193.7500% | 333 |
| Earnings coverage of net charge-offs (x) | 14.7188% | 1,354 |
| Efficiency ratio | 40.3797% | 7,382 |
| Assets per employee ($millions) | 15.7145% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 4,323 |
| Loan loss allowance to noncurrent loans | 40.1445% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2591% | 2,995 |
| Noncurrent loans to loans | 3.6744% | 2,009 |
| Net loans and leases to total assets | 53.1309% | 5,431 |
| Net loans and leases to deposits | 62.7403% | 5,416 |
| Net loans and leases to core deposits | 64.7298% | 5,649 |
| Total domestic deposits to total assets | 84.6837% | 4,190 |
| Equity capital to assets | 13.1025% | 1,342 |
| Core capital (leverage) ratio | 13.1025% | 1,096 |
| Tier 1 risk-based capital ratio | 30.8933% | 484 |
| Total risk-based capital ratio | 32.1518% | 471 |
| Memoranda: | ||
| Average total assets | $124,711,500 | 4,364 |
| Average earning assets | $119,942,500 | 4,225 |
| Average equity | $16,354,000 | 3,664 |
| Average total loans | $65,999,000 | 4,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 6,527 |
| Cost of funding earning assets | 1.9774% | 655 |
| Net interest margin | 2.4683% | 7,288 |
| Noninterest income to average assets | 0.0945% | 6,919 |
| Noninterest expense to average assets | 1.0326% | 7,573 |
| Loan and lease loss provision to assets | 0.7917% | 2,062 |
| Net operating income to assets | 0.3930% | 4,572 |
| Return on assets (ROA) | 0.3930% | 4,718 |
| Pretax return on assets | 0.6552% | 4,144 |
| Return on Equity (ROE) | 2.9806% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.9806% | 3,764 |
| Net charge-offs to loans | 1.4584% | 1,516 |
| Credit loss provision to net charge-offs | 112.2378% | 3,894 |
| Earnings coverage of net charge-offs (x) | 2.0513% | 4,193 |
| Efficiency ratio | 41.6446% | 7,472 |
| Assets per employee ($millions) | 15.4634% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,323 |
| Loan loss allowance to noncurrent loans | 23.1317% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 2.4170% | 2,853 |
| Noncurrent loans to loans | 4.3767% | 1,643 |
| Net loans and leases to total assets | 51.3746% | 6,006 |
| Net loans and leases to deposits | 60.3523% | 6,017 |
| Net loans and leases to core deposits | 62.2871% | 6,216 |
| Total domestic deposits to total assets | 85.1245% | 3,786 |
| Equity capital to assets | 13.1246% | 1,334 |
| Core capital (leverage) ratio | 13.1246% | 1,088 |
| Tier 1 risk-based capital ratio | 31.2465% | 457 |
| Total risk-based capital ratio | 32.4975% | 452 |
| Memoranda: | ||
| Average total assets | $121,635,000 | 4,451 |
| Average earning assets | $117,528,800 | 4,281 |
| Average equity | $16,036,800 | 3,755 |
| Average total loans | $58,831,000 | 5,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 6,464 |
| Cost of funding earning assets | 2.0463% | 649 |
| Net interest margin | 2.5055% | 7,376 |
| Noninterest income to average assets | 0.0925% | 7,081 |
| Noninterest expense to average assets | 0.9864% | 7,698 |
| Loan and lease loss provision to assets | 0.8708% | 1,744 |
| Net operating income to assets | 0.4183% | 4,667 |
| Return on assets (ROA) | 0.4183% | 4,844 |
| Pretax return on assets | 0.6561% | 4,402 |
| Return on Equity (ROE) | 3.1691% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.1691% | 4,209 |
| Net charge-offs to loans | 1.6954% | 1,158 |
| Credit loss provision to net charge-offs | 108.2079% | 3,936 |
| Earnings coverage of net charge-offs (x) | 1.8974% | 4,285 |
| Efficiency ratio | 39.2466% | 7,596 |
| Assets per employee ($millions) | 15.3503% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,451 |
| Loan loss allowance to noncurrent loans | 24.1723% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 2.0415% | 3,415 |
| Noncurrent loans to loans | 4.0894% | 1,814 |
| Net loans and leases to total assets | 49.4283% | 6,383 |
| Net loans and leases to deposits | 58.3392% | 6,440 |
| Net loans and leases to core deposits | 59.8356% | 6,624 |
| Total domestic deposits to total assets | 84.7258% | 3,764 |
| Equity capital to assets | 13.1415% | 1,516 |
| Core capital (leverage) ratio | 13.1415% | 1,173 |
| Tier 1 risk-based capital ratio | 33.3388% | 400 |
| Total risk-based capital ratio | 34.5908% | 390 |
| Memoranda: | ||
| Average total assets | $121,117,000 | 4,523 |
| Average earning assets | $117,021,250 | 4,357 |
| Average equity | $15,987,000 | 3,809 |
| Average total loans | $57,487,750 | 5,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 6,638 |
| Cost of funding earning assets | 2.0896% | 684 |
| Net interest margin | 2.4393% | 7,452 |
| Noninterest income to average assets | 0.0879% | 7,141 |
| Noninterest expense to average assets | 0.9771% | 7,777 |
| Loan and lease loss provision to assets | 0.7482% | 1,934 |
| Net operating income to assets | 0.5923% | 3,911 |
| Return on assets (ROA) | 0.5923% | 4,049 |
| Pretax return on assets | 0.7233% | 4,157 |
| Return on Equity (ROE) | 4.4802% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.4802% | 3,214 |
| Net charge-offs to loans | 2.6007% | 643 |
| Credit loss provision to net charge-offs | 61.6963% | 5,176 |
| Earnings coverage of net charge-offs (x) | 1.2134% | 4,594 |
| Efficiency ratio | 39.9051% | 7,648 |
| Assets per employee ($millions) | 15.4669% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 7,549 |
| Loan loss allowance to noncurrent loans | 13.5897% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 4,093 |
| Noncurrent loans to loans | 3.3967% | 2,348 |
| Net loans and leases to total assets | 46.1826% | 6,768 |
| Net loans and leases to deposits | 54.6953% | 6,816 |
| Net loans and leases to core deposits | 56.0983% | 6,937 |
| Total domestic deposits to total assets | 84.4361% | 3,900 |
| Equity capital to assets | 13.0238% | 1,559 |
| Core capital (leverage) ratio | 13.0238% | 1,201 |
| Tier 1 risk-based capital ratio | 34.2931% | 370 |
| Total risk-based capital ratio | 34.8570% | 382 |
| Memoranda: | ||
| Average total assets | $120,555,330 | 4,554 |
| Average earning assets | $116,671,330 | 4,401 |
| Average equity | $15,936,670 | 3,811 |
| Average total loans | $56,215,330 | 5,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 6,039 |
| Cost of funding earning assets | 2.1416% | 708 |
| Net interest margin | 2.6179% | 7,375 |
| Noninterest income to average assets | 0.0874% | 7,269 |
| Noninterest expense to average assets | 1.0692% | 7,863 |
| Loan and lease loss provision to assets | 1.0121% | 1,232 |
| Net operating income to assets | 0.6019% | 3,888 |
| Return on assets (ROA) | 0.6019% | 4,032 |
| Pretax return on assets | 0.5380% | 4,827 |
| Return on Equity (ROE) | 4.5181% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.5181% | 3,446 |
| Net charge-offs to loans | 2.6610% | 609 |
| Credit loss provision to net charge-offs | 81.3514% | 3,843 |
| Earnings coverage of net charge-offs (x) | 1.2459% | 4,011 |
| Efficiency ratio | 40.8216% | 7,710 |
| Assets per employee ($millions) | 15.0900% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,993 |
| Loan loss allowance to noncurrent loans | 25.0790% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 4,141 |
| Noncurrent loans to loans | 3.3906% | 2,362 |
| Net loans and leases to total assets | 45.9766% | 6,831 |
| Net loans and leases to deposits | 54.8790% | 6,854 |
| Net loans and leases to core deposits | 56.1005% | 6,993 |
| Total domestic deposits to total assets | 83.7782% | 4,252 |
| Equity capital to assets | 13.2016% | 1,442 |
| Core capital (leverage) ratio | 13.2016% | 1,157 |
| Tier 1 risk-based capital ratio | 34.6592% | 362 |
| Total risk-based capital ratio | 35.6944% | 363 |
| Memoranda: | ||
| Average total assets | $118,965,500 | 4,657 |
| Average earning assets | $115,054,000 | 4,498 |
| Average equity | $15,847,500 | 3,857 |
| Average total loans | $55,618,500 | 5,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 6,438 |
| Cost of funding earning assets | 2.8501% | 377 |
| Net interest margin | 2.1485% | 7,674 |
| Noninterest income to average assets | 0.0919% | 7,302 |
| Noninterest expense to average assets | 0.9543% | 7,948 |
| Loan and lease loss provision to assets | 0.3776% | 4,521 |
| Net operating income to assets | 0.5091% | 3,693 |
| Return on assets (ROA) | 0.5091% | 3,786 |
| Pretax return on assets | 0.8354% | 3,128 |
| Return on Equity (ROE) | 3.6503% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.6503% | 2,632 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0333% | 7,774 |
| Assets per employee ($millions) | 14.6514% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 6,461 |
| Loan loss allowance to noncurrent loans | 26.4949% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 3,742 |
| Noncurrent loans to loans | 3.7225% | 2,020 |
| Net loans and leases to total assets | 46.6791% | 6,924 |
| Net loans and leases to deposits | 55.6569% | 6,940 |
| Net loans and leases to core deposits | 64.0390% | 7,087 |
| Total domestic deposits to total assets | 83.8693% | 4,091 |
| Equity capital to assets | 13.4441% | 1,346 |
| Core capital (leverage) ratio | 13.4441% | 1,110 |
| Tier 1 risk-based capital ratio | 34.1718% | 365 |
| Total risk-based capital ratio | 35.3537% | 358 |
| Memoranda: | ||
| Average total assets | $110,970,000 | 4,794 |
| Average earning assets | $107,190,200 | 4,650 |
| Average equity | $15,478,200 | 3,975 |
| Average total loans | $51,695,600 | 5,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 6,278 |
| Cost of funding earning assets | 2.9992% | 333 |
| Net interest margin | 2.0975% | 7,768 |
| Noninterest income to average assets | 0.0987% | 7,410 |
| Noninterest expense to average assets | 0.9140% | 8,044 |
| Loan and lease loss provision to assets | 0.3156% | 4,455 |
| Net operating income to assets | 0.4996% | 3,988 |
| Return on assets (ROA) | 0.4996% | 4,079 |
| Pretax return on assets | 0.8957% | 3,240 |
| Return on Equity (ROE) | 3.5478% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.5478% | 3,307 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0046% | 7,862 |
| Assets per employee ($millions) | 14.5830% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 7,370 |
| Loan loss allowance to noncurrent loans | 21.5445% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 4,067 |
| Noncurrent loans to loans | 3.2502% | 2,331 |
| Net loans and leases to total assets | 46.7976% | 7,052 |
| Net loans and leases to deposits | 56.7638% | 7,042 |
| Net loans and leases to core deposits | 62.6604% | 7,298 |
| Total domestic deposits to total assets | 82.4427% | 4,476 |
| Equity capital to assets | 13.3743% | 1,542 |
| Core capital (leverage) ratio | 13.3743% | 1,271 |
| Tier 1 risk-based capital ratio | 34.5888% | 393 |
| Total risk-based capital ratio | 35.4423% | 394 |
| Memoranda: | ||
| Average total assets | $109,409,750 | 4,869 |
| Average earning assets | $105,713,000 | 4,718 |
| Average equity | $15,408,250 | 4,023 |
| Average total loans | $50,805,000 | 5,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 5,683 |
| Cost of funding earning assets | 3.1007% | 350 |
| Net interest margin | 2.1922% | 7,754 |
| Noninterest income to average assets | 0.1009% | 7,475 |
| Noninterest expense to average assets | 0.9403% | 8,136 |
| Loan and lease loss provision to assets | 0.2916% | 4,238 |
| Net operating income to assets | 0.5571% | 3,851 |
| Return on assets (ROA) | 0.5571% | 3,964 |
| Pretax return on assets | 0.9889% | 3,049 |
| Return on Equity (ROE) | 3.8844% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.8844% | 3,123 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3401% | 7,969 |
| Assets per employee ($millions) | 13.7835% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 7,723 |
| Loan loss allowance to noncurrent loans | 15.7806% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 3,780 |
| Noncurrent loans to loans | 3.4832% | 2,018 |
| Net loans and leases to total assets | 46.2700% | 7,176 |
| Net loans and leases to deposits | 56.3370% | 7,142 |
| Net loans and leases to core deposits | 62.6771% | 7,352 |
| Total domestic deposits to total assets | 82.1308% | 4,635 |
| Equity capital to assets | 14.0485% | 1,300 |
| Core capital (leverage) ratio | 14.0485% | 1,129 |
| Tier 1 risk-based capital ratio | 36.0289% | 394 |
| Total risk-based capital ratio | 36.6848% | 402 |
| Memoranda: | ||
| Average total assets | $106,991,670 | 4,966 |
| Average earning assets | $103,460,000 | 4,805 |
| Average equity | $15,343,330 | 4,055 |
| Average total loans | $49,413,000 | 5,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 5,688 |
| Cost of funding earning assets | 3.1643% | 381 |
| Net interest margin | 2.1801% | 7,815 |
| Noninterest income to average assets | 0.0987% | 7,546 |
| Noninterest expense to average assets | 0.8467% | 8,189 |
| Loan and lease loss provision to assets | 0.2961% | 3,579 |
| Net operating income to assets | 0.5809% | 4,101 |
| Return on assets (ROA) | 0.5809% | 4,295 |
| Pretax return on assets | 1.0669% | 3,117 |
| Return on Equity (ROE) | 4.0080% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.0080% | 3,669 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3162% | 8,081 |
| Assets per employee ($millions) | 15.2721% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4106% | 7,933 |
| Loan loss allowance to noncurrent loans | 20.5438% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,869 |
| Noncurrent loans to loans | 1.9986% | 3,262 |
| Net loans and leases to total assets | 46.2841% | 7,170 |
| Net loans and leases to deposits | 57.1343% | 7,095 |
| Net loans and leases to core deposits | 63.6112% | 7,328 |
| Total domestic deposits to total assets | 81.0093% | 4,964 |
| Equity capital to assets | 14.3548% | 1,265 |
| Core capital (leverage) ratio | 14.3548% | 1,119 |
| Tier 1 risk-based capital ratio | 35.8895% | 410 |
| Total risk-based capital ratio | 36.3666% | 423 |
| Memoranda: | ||
| Average total assets | $105,353,500 | 5,025 |
| Average earning assets | $102,014,500 | 4,860 |
| Average equity | $15,269,500 | 4,088 |
| Average total loans | $48,468,000 | 5,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 7,059 |
| Cost of funding earning assets | 3.4792% | 555 |
| Net interest margin | 2.1227% | 8,005 |
| Noninterest income to average assets | 0.0695% | 7,798 |
| Noninterest expense to average assets | 0.9844% | 8,208 |
| Loan and lease loss provision to assets | 0.0061% | 7,285 |
| Net operating income to assets | 0.6920% | 3,929 |
| Return on assets (ROA) | 0.6920% | 3,759 |
| Pretax return on assets | 1.1377% | 2,888 |
| Return on Equity (ROE) | 4.5624% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.5624% | 2,285 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2536% | 7,913 |
| Assets per employee ($millions) | 12.9753% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2667% | 8,111 |
| Loan loss allowance to noncurrent loans | 12.6888% | 7,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 4,436 |
| Noncurrent loans to loans | 2.1015% | 2,631 |
| Net loans and leases to total assets | 45.3999% | 7,381 |
| Net loans and leases to deposits | 56.4823% | 7,286 |
| Net loans and leases to core deposits | 63.0187% | 7,473 |
| Total domestic deposits to total assets | 80.3790% | 4,875 |
| Equity capital to assets | 14.6365% | 1,266 |
| Core capital (leverage) ratio | 14.6365% | 1,111 |
| Tier 1 risk-based capital ratio | 36.5111% | 410 |
| Total risk-based capital ratio | 36.8139% | 421 |
| Memoranda: | ||
| Average total assets | $97,827,200 | 5,119 |
| Average earning assets | $94,879,400 | 4,952 |
| Average equity | $14,838,800 | 4,174 |
| Average total loans | $45,786,200 | 5,888 |