Home > Blaine State Bank > Performance and Condition Ratios
Blaine State Bank, Performance and Condition Ratios
| 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 | 5.7877% | 376 |
| Cost of funding earning assets | 1.0653% | 1,053 |
| Net interest margin | 4.7224% | 626 |
| Noninterest income to average assets | 0.3325% | 5,073 |
| Noninterest expense to average assets | 4.9138% | 402 |
| Loan and lease loss provision to assets | 0.4784% | 1,286 |
| Net operating income to assets | -0.9363% | 6,724 |
| Return on assets (ROA) | -0.8757% | 6,726 |
| Pretax return on assets | -1.3947% | 6,826 |
| Return on Equity (ROE) | -5.6610% | 6,614 |
| Retained earnings to average equity (ytd only) | -5.6610% | 6,463 |
| Net charge-offs to loans | 0.1970% | 3,802 |
| Credit loss provision to net charge-offs | 393.3333% | 616 |
| Earnings coverage of net charge-offs (x) | -8.3111% | 5,937 |
| Efficiency ratio | 125.9003% | 173 |
| Assets per employee ($millions) | 3.2853% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,349 |
| Loan loss allowance to noncurrent loans | 104.0881% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1999% | 2,230 |
| Noncurrent loans to loans | 1.3075% | 3,648 |
| Net loans and leases to total assets | 66.3844% | 2,471 |
| Net loans and leases to deposits | 84.7673% | 1,667 |
| Net loans and leases to core deposits | 92.5647% | 1,590 |
| Total domestic deposits to total assets | 78.3137% | 6,028 |
| Equity capital to assets | 15.4325% | 648 |
| Core capital (leverage) ratio | 6.4871% | 6,795 |
| Tier 1 risk-based capital ratio | 8.9582% | 6,852 |
| Total risk-based capital ratio | 10.2080% | 6,857 |
| Memoranda: | ||
| Average total assets | $36,998,000 | 6,583 |
| Average earning assets | $27,973,200 | 6,718 |
| Average equity | $5,723,400 | 6,092 |
| Average total loans | $22,838,800 | 6,302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 397 |
| Cost of funding earning assets | 1.0769% | 1,159 |
| Net interest margin | 4.7233% | 639 |
| Noninterest income to average assets | 0.2795% | 5,539 |
| Noninterest expense to average assets | 5.0519% | 352 |
| Loan and lease loss provision to assets | 0.3260% | 2,014 |
| Net operating income to assets | -1.0418% | 6,872 |
| Return on assets (ROA) | -1.0319% | 6,895 |
| Pretax return on assets | -1.5012% | 6,957 |
| Return on Equity (ROE) | -6.6665% | 6,777 |
| Retained earnings to average equity (ytd only) | -6.6665% | 6,705 |
| Net charge-offs to loans | 0.2730% | 3,088 |
| Credit loss provision to net charge-offs | 197.8261% | 1,404 |
| Earnings coverage of net charge-offs (x) | -7.2177% | 5,732 |
| Efficiency ratio | 130.7978% | 143 |
| Assets per employee ($millions) | 2.9742% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,885 |
| Loan loss allowance to noncurrent loans | 50.5176% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 3.3091% | 1,540 |
| Noncurrent loans to loans | 2.0812% | 2,762 |
| Net loans and leases to total assets | 64.3430% | 2,967 |
| Net loans and leases to deposits | 82.2375% | 2,087 |
| Net loans and leases to core deposits | 89.8330% | 2,006 |
| Total domestic deposits to total assets | 78.2404% | 6,023 |
| Equity capital to assets | 15.8140% | 641 |
| Core capital (leverage) ratio | 6.2178% | 6,926 |
| Tier 1 risk-based capital ratio | 8.7065% | 6,966 |
| Total risk-based capital ratio | 9.7550% | 6,973 |
| Memoranda: | ||
| Average total assets | $37,213,000 | 6,661 |
| Average earning assets | $28,228,000 | 6,797 |
| Average equity | $5,760,000 | 6,157 |
| Average total loans | $22,468,250 | 6,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 395 |
| Cost of funding earning assets | 1.0918% | 1,249 |
| Net interest margin | 4.7336% | 627 |
| Noninterest income to average assets | 0.2227% | 5,977 |
| Noninterest expense to average assets | 5.2120% | 329 |
| Loan and lease loss provision to assets | 0.3977% | 1,652 |
| Net operating income to assets | -1.3932% | 6,998 |
| Return on assets (ROA) | -1.3892% | 7,012 |
| Pretax return on assets | -1.8186% | 7,052 |
| Return on Equity (ROE) | -9.0366% | 6,890 |
| Retained earnings to average equity (ytd only) | -9.0366% | 6,810 |
| Net charge-offs to loans | 0.1710% | 3,574 |
| Credit loss provision to net charge-offs | 394.7368% | 747 |
| Earnings coverage of net charge-offs (x) | -14.1579% | 5,473 |
| Efficiency ratio | 137.6751% | 129 |
| Assets per employee ($millions) | 2.7950% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,595 |
| Loan loss allowance to noncurrent loans | 48.2042% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.9989% | 1,275 |
| Noncurrent loans to loans | 2.3690% | 2,537 |
| Net loans and leases to total assets | 60.7541% | 3,670 |
| Net loans and leases to deposits | 77.2799% | 2,787 |
| Net loans and leases to core deposits | 84.1754% | 2,668 |
| Total domestic deposits to total assets | 78.6157% | 6,037 |
| Equity capital to assets | 15.6020% | 663 |
| Core capital (leverage) ratio | 6.2426% | 6,960 |
| Tier 1 risk-based capital ratio | 8.7685% | 6,996 |
| Total risk-based capital ratio | 9.8581% | 7,008 |
| Memoranda: | ||
| Average total assets | $37,720,670 | 6,687 |
| Average earning assets | $28,392,670 | 6,840 |
| Average equity | $5,798,670 | 6,174 |
| Average total loans | $22,221,670 | 6,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 558 |
| Cost of funding earning assets | 1.1493% | 1,177 |
| Net interest margin | 4.5150% | 983 |
| Noninterest income to average assets | 0.5623% | 3,479 |
| Noninterest expense to average assets | 4.5609% | 524 |
| Loan and lease loss provision to assets | 0.4790% | 1,277 |
| Net operating income to assets | -1.0413% | 7,002 |
| Return on assets (ROA) | -0.9892% | 7,011 |
| Pretax return on assets | -0.9892% | 6,976 |
| Return on Equity (ROE) | -6.4808% | 6,905 |
| Retained earnings to average equity (ytd only) | -6.4808% | 6,689 |
| Net charge-offs to loans | 0.3970% | 2,112 |
| Credit loss provision to net charge-offs | 209.0909% | 1,297 |
| Earnings coverage of net charge-offs (x) | -2.4545% | 4,629 |
| Efficiency ratio | 114.0625% | 285 |
| Assets per employee ($millions) | 2.8670% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,196 |
| Loan loss allowance to noncurrent loans | 80.2158% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 4.7061% | 1,121 |
| Noncurrent loans to loans | 1.2612% | 4,225 |
| Net loans and leases to total assets | 58.5442% | 3,953 |
| Net loans and leases to deposits | 74.3391% | 3,075 |
| Net loans and leases to core deposits | 81.4909% | 2,899 |
| Total domestic deposits to total assets | 78.7529% | 6,131 |
| Equity capital to assets | 15.6663% | 626 |
| Core capital (leverage) ratio | 6.4190% | 6,980 |
| Tier 1 risk-based capital ratio | 9.6565% | 6,943 |
| Total risk-based capital ratio | 10.5895% | 6,988 |
| Memoranda: | ||
| Average total assets | $38,413,500 | 6,725 |
| Average earning assets | $29,236,000 | 6,875 |
| Average equity | $5,863,500 | 6,187 |
| Average total loans | $22,167,500 | 6,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 1,823 |
| Cost of funding earning assets | 1.1784% | 2,174 |
| Net interest margin | 4.0845% | 2,505 |
| Noninterest income to average assets | 0.3858% | 4,739 |
| Noninterest expense to average assets | 4.1668% | 845 |
| Loan and lease loss provision to assets | 1.6503% | 420 |
| Net operating income to assets | -1.2968% | 6,857 |
| Return on assets (ROA) | -1.2968% | 6,875 |
| Pretax return on assets | -2.1182% | 7,054 |
| Return on Equity (ROE) | -8.5256% | 6,695 |
| Retained earnings to average equity (ytd only) | -8.5256% | 6,646 |
| Net charge-offs to loans | 3.4188% | 232 |
| Credit loss provision to net charge-offs | 76.0321% | 4,636 |
| Earnings coverage of net charge-offs (x) | -0.2156% | 5,965 |
| Efficiency ratio | 112.6514% | 388 |
| Assets per employee ($millions) | 3.0428% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,550 |
| Loan loss allowance to noncurrent loans | 57.8488% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 4.3205% | 1,288 |
| Noncurrent loans to loans | 1.5432% | 3,840 |
| Net loans and leases to total assets | 55.8525% | 4,735 |
| Net loans and leases to deposits | 69.9300% | 4,113 |
| Net loans and leases to core deposits | 76.5550% | 3,897 |
| Total domestic deposits to total assets | 79.8690% | 5,777 |
| Equity capital to assets | 14.8852% | 808 |
| Core capital (leverage) ratio | 6.5200% | 6,976 |
| Tier 1 risk-based capital ratio | 9.8686% | 6,882 |
| Total risk-based capital ratio | 10.6858% | 6,967 |
| Memoranda: | ||
| Average total assets | $40,174,800 | 6,669 |
| Average earning assets | $32,587,000 | 6,792 |
| Average equity | $6,111,000 | 6,123 |
| Average total loans | $25,505,800 | 6,392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4675% | 1,347 |
| Cost of funding earning assets | 1.1921% | 2,366 |
| Net interest margin | 4.2754% | 1,804 |
| Noninterest income to average assets | 0.4463% | 4,321 |
| Noninterest expense to average assets | 3.9209% | 1,123 |
| Loan and lease loss provision to assets | 1.3985% | 521 |
| Net operating income to assets | -1.3092% | 6,990 |
| Return on assets (ROA) | -1.3092% | 7,010 |
| Pretax return on assets | -1.3753% | 6,987 |
| Return on Equity (ROE) | -8.5619% | 6,844 |
| Retained earnings to average equity (ytd only) | -8.5619% | 6,796 |
| Net charge-offs to loans | 0.9527% | 1,692 |
| Credit loss provision to net charge-offs | 225.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 0.0372% | 5,570 |
| Efficiency ratio | 99.4132% | 676 |
| Assets per employee ($millions) | 3.0738% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 1,215 |
| Loan loss allowance to noncurrent loans | 27.1501% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 7.3298% | 650 |
| Noncurrent loans to loans | 9.7329% | 365 |
| Net loans and leases to total assets | 59.3769% | 4,257 |
| Net loans and leases to deposits | 74.9029% | 3,521 |
| Net loans and leases to core deposits | 81.9133% | 3,340 |
| Total domestic deposits to total assets | 79.2718% | 5,932 |
| Equity capital to assets | 15.0475% | 843 |
| Core capital (leverage) ratio | 6.9474% | 6,975 |
| Tier 1 risk-based capital ratio | 10.1740% | 6,903 |
| Total risk-based capital ratio | 11.4389% | 6,889 |
| Memoranda: | ||
| Average total assets | $40,329,500 | 6,718 |
| Average earning assets | $32,994,250 | 6,842 |
| Average equity | $6,166,750 | 6,159 |
| Average total loans | $26,309,250 | 6,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 1,028 |
| Cost of funding earning assets | 1.2079% | 2,527 |
| Net interest margin | 4.4170% | 1,320 |
| Noninterest income to average assets | 0.3856% | 4,789 |
| Noninterest expense to average assets | 4.0195% | 1,019 |
| Loan and lease loss provision to assets | 1.6118% | 430 |
| Net operating income to assets | -1.5129% | 7,100 |
| Return on assets (ROA) | -1.5129% | 7,115 |
| Pretax return on assets | -1.6118% | 7,101 |
| Return on Equity (ROE) | -9.8424% | 6,933 |
| Retained earnings to average equity (ytd only) | -9.8424% | 6,871 |
| Net charge-offs to loans | 0.4823% | 2,655 |
| Credit loss provision to net charge-offs | 501.5385% | 603 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,281 |
| Efficiency ratio | 100.0000% | 718 |
| Assets per employee ($millions) | 3.1187% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6515% | 1,239 |
| Loan loss allowance to noncurrent loans | 28.8362% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 7.4587% | 652 |
| Noncurrent loans to loans | 9.1950% | 449 |
| Net loans and leases to total assets | 60.5826% | 4,172 |
| Net loans and leases to deposits | 76.3151% | 3,406 |
| Net loans and leases to core deposits | 83.2695% | 3,325 |
| Total domestic deposits to total assets | 79.3849% | 5,984 |
| Equity capital to assets | 15.0532% | 811 |
| Core capital (leverage) ratio | 7.1507% | 6,941 |
| Tier 1 risk-based capital ratio | 10.3125% | 6,868 |
| Total risk-based capital ratio | 11.5784% | 6,852 |
| Memoranda: | ||
| Average total assets | $40,452,670 | 6,772 |
| Average earning assets | $33,280,330 | 6,895 |
| Average equity | $6,218,000 | 6,167 |
| Average total loans | $26,955,330 | 6,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 899 |
| Cost of funding earning assets | 1.1971% | 2,838 |
| Net interest margin | 4.4921% | 1,087 |
| Noninterest income to average assets | 0.4653% | 4,150 |
| Noninterest expense to average assets | 4.2665% | 748 |
| Loan and lease loss provision to assets | 2.5936% | 196 |
| Net operating income to assets | -2.6431% | 7,360 |
| Return on assets (ROA) | -2.6431% | 7,361 |
| Pretax return on assets | -2.6431% | 7,341 |
| Return on Equity (ROE) | -17.0186% | 7,183 |
| Retained earnings to average equity (ytd only) | -17.0186% | 7,094 |
| Net charge-offs to loans | 0.5033% | 2,217 |
| Credit loss provision to net charge-offs | 748.5714% | 522 |
| Earnings coverage of net charge-offs (x) | -0.1429% | 4,664 |
| Efficiency ratio | 101.1737% | 701 |
| Assets per employee ($millions) | 3.3747% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 1,758 |
| Loan loss allowance to noncurrent loans | 27.1020% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 6.8772% | 788 |
| Noncurrent loans to loans | 8.4981% | 553 |
| Net loans and leases to total assets | 66.5152% | 2,879 |
| Net loans and leases to deposits | 84.0227% | 2,022 |
| Net loans and leases to core deposits | 91.6440% | 2,164 |
| Total domestic deposits to total assets | 79.1634% | 6,149 |
| Equity capital to assets | 15.1669% | 727 |
| Core capital (leverage) ratio | 7.3046% | 6,852 |
| Tier 1 risk-based capital ratio | 10.0823% | 6,975 |
| Total risk-based capital ratio | 11.3468% | 6,971 |
| Memoranda: | ||
| Average total assets | $40,407,500 | 6,818 |
| Average earning assets | $33,748,500 | 6,929 |
| Average equity | $6,275,500 | 6,163 |
| Average total loans | $27,817,500 | 6,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6254% | 265 |
| Cost of funding earning assets | 1.2190% | 4,429 |
| Net interest margin | 5.4063% | 199 |
| Noninterest income to average assets | 0.4663% | 4,401 |
| Noninterest expense to average assets | 4.0178% | 1,133 |
| Loan and lease loss provision to assets | 0.9221% | 1,772 |
| Net operating income to assets | 0.0158% | 5,790 |
| Return on assets (ROA) | 0.0158% | 5,923 |
| Pretax return on assets | 0.0132% | 5,871 |
| Return on Equity (ROE) | 0.0931% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.0931% | 5,541 |
| Net charge-offs to loans | 0.5337% | 3,477 |
| Credit loss provision to net charge-offs | 234.8993% | 1,246 |
| Earnings coverage of net charge-offs (x) | 2.3826% | 3,947 |
| Efficiency ratio | 81.1170% | 2,276 |
| Assets per employee ($millions) | 2.8799% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 4,263 |
| Loan loss allowance to noncurrent loans | 15.9437% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 7.4431% | 705 |
| Noncurrent loans to loans | 9.1184% | 508 |
| Net loans and leases to total assets | 68.5930% | 2,841 |
| Net loans and leases to deposits | 87.4775% | 1,862 |
| Net loans and leases to core deposits | 96.3020% | 1,975 |
| Total domestic deposits to total assets | 78.4122% | 6,234 |
| Equity capital to assets | 15.8957% | 602 |
| Core capital (leverage) ratio | 7.9352% | 6,280 |
| Tier 1 risk-based capital ratio | 10.8554% | 6,444 |
| Total risk-based capital ratio | 12.1096% | 6,409 |
| Memoranda: | ||
| Average total assets | $37,956,200 | 6,939 |
| Average earning assets | $31,500,200 | 7,037 |
| Average equity | $6,448,000 | 6,218 |
| Average total loans | $27,916,600 | 6,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7514% | 217 |
| Cost of funding earning assets | 1.1970% | 4,881 |
| Net interest margin | 5.5544% | 158 |
| Noninterest income to average assets | 0.4532% | 4,535 |
| Noninterest expense to average assets | 3.8644% | 1,253 |
| Loan and lease loss provision to assets | 0.5388% | 2,782 |
| Net operating income to assets | 0.4318% | 4,621 |
| Return on assets (ROA) | 0.4318% | 4,801 |
| Pretax return on assets | 0.6530% | 4,415 |
| Return on Equity (ROE) | 2.4982% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.4982% | 4,671 |
| Net charge-offs to loans | 0.3348% | 3,981 |
| Credit loss provision to net charge-offs | 215.7143% | 1,615 |
| Earnings coverage of net charge-offs (x) | 4.7715% | 2,930 |
| Efficiency ratio | 76.4291% | 2,870 |
| Assets per employee ($millions) | 2.9129% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,433 |
| Loan loss allowance to noncurrent loans | 22.0183% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 4.2986% | 1,582 |
| Noncurrent loans to loans | 4.5032% | 1,602 |
| Net loans and leases to total assets | 70.5181% | 2,607 |
| Net loans and leases to deposits | 90.1901% | 1,703 |
| Net loans and leases to core deposits | 98.2709% | 2,017 |
| Total domestic deposits to total assets | 78.1884% | 6,221 |
| Equity capital to assets | 15.9952% | 674 |
| Core capital (leverage) ratio | 9.5255% | 3,867 |
| Tier 1 risk-based capital ratio | 11.2358% | 6,153 |
| Total risk-based capital ratio | 12.2521% | 6,362 |
| Memoranda: | ||
| Average total assets | $37,365,500 | 7,040 |
| Average earning assets | $30,965,500 | 7,138 |
| Average equity | $6,457,750 | 6,297 |
| Average total loans | $27,879,750 | 6,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0163% | 153 |
| Cost of funding earning assets | 1.2417% | 4,886 |
| Net interest margin | 5.7746% | 122 |
| Noninterest income to average assets | 0.6514% | 3,004 |
| Noninterest expense to average assets | 4.2068% | 808 |
| Loan and lease loss provision to assets | 0.5134% | 2,748 |
| Net operating income to assets | 0.4637% | 4,491 |
| Return on assets (ROA) | 0.4637% | 4,648 |
| Pretax return on assets | 0.7067% | 4,208 |
| Return on Equity (ROE) | 2.6103% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.6103% | 4,479 |
| Net charge-offs to loans | 0.2910% | 3,875 |
| Credit loss provision to net charge-offs | 232.5000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 2,648 |
| Efficiency ratio | 77.5178% | 2,807 |
| Assets per employee ($millions) | 2.5669% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 6,687 |
| Loan loss allowance to noncurrent loans | 15.2047% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 5.0616% | 1,260 |
| Noncurrent loans to loans | 6.0632% | 1,048 |
| Net loans and leases to total assets | 77.7555% | 1,157 |
| Net loans and leases to deposits | 96.3419% | 1,015 |
| Net loans and leases to core deposits | 105.2427% | 1,516 |
| Total domestic deposits to total assets | 80.7079% | 5,508 |
| Equity capital to assets | 18.0483% | 412 |
| Core capital (leverage) ratio | 9.4502% | 3,895 |
| Tier 1 risk-based capital ratio | 11.7654% | 5,531 |
| Total risk-based capital ratio | 12.7374% | 5,752 |
| Memoranda: | ||
| Average total assets | $36,227,000 | 7,134 |
| Average earning assets | $29,959,000 | 7,232 |
| Average equity | $6,436,000 | 6,321 |
| Average total loans | $27,491,000 | 6,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7949% | 223 |
| Cost of funding earning assets | 1.2499% | 5,114 |
| Net interest margin | 5.5449% | 168 |
| Noninterest income to average assets | 0.6049% | 3,250 |
| Noninterest expense to average assets | 4.3330% | 696 |
| Loan and lease loss provision to assets | 0.6159% | 2,069 |
| Net operating income to assets | 0.1870% | 5,730 |
| Return on assets (ROA) | 0.1870% | 5,857 |
| Pretax return on assets | 0.2419% | 5,763 |
| Return on Equity (ROE) | 1.0607% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.0607% | 5,388 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4746% | 2,075 |
| Assets per employee ($millions) | 2.5731% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,711 |
| Loan loss allowance to noncurrent loans | 15.5437% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 4.9994% | 1,287 |
| Noncurrent loans to loans | 6.0418% | 1,085 |
| Net loans and leases to total assets | 77.0098% | 1,328 |
| Net loans and leases to deposits | 95.4481% | 1,174 |
| Net loans and leases to core deposits | 103.2068% | 1,806 |
| Total domestic deposits to total assets | 80.6823% | 5,566 |
| Equity capital to assets | 17.8215% | 439 |
| Core capital (leverage) ratio | 9.4356% | 3,872 |
| Tier 1 risk-based capital ratio | 11.4621% | 5,711 |
| Total risk-based capital ratio | 12.4442% | 5,922 |
| Memoranda: | ||
| Average total assets | $36,372,000 | 7,219 |
| Average earning assets | $30,081,500 | 7,316 |
| Average equity | $6,411,000 | 6,377 |
| Average total loans | $27,135,000 | 6,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8540% | 345 |
| Cost of funding earning assets | 1.2508% | 6,469 |
| Net interest margin | 5.6032% | 170 |
| Noninterest income to average assets | 0.6893% | 3,041 |
| Noninterest expense to average assets | 4.1643% | 1,144 |
| Loan and lease loss provision to assets | 0.4658% | 4,043 |
| Net operating income to assets | 0.3714% | 4,244 |
| Return on assets (ROA) | 0.3714% | 4,345 |
| Pretax return on assets | 0.5571% | 4,024 |
| Return on Equity (ROE) | 1.8328% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.8328% | 3,816 |
| Net charge-offs to loans | 0.5895% | 3,448 |
| Credit loss provision to net charge-offs | 112.1212% | 4,890 |
| Earnings coverage of net charge-offs (x) | 2.4621% | 3,889 |
| Efficiency ratio | 80.2791% | 2,847 |
| Assets per employee ($millions) | 2.6229% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 7,168 |
| Loan loss allowance to noncurrent loans | 17.3077% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 3.5539% | 1,883 |
| Noncurrent loans to loans | 4.5536% | 1,552 |
| Net loans and leases to total assets | 70.9641% | 3,018 |
| Net loans and leases to deposits | 87.2439% | 2,693 |
| Net loans and leases to core deposits | 102.2925% | 3,773 |
| Total domestic deposits to total assets | 81.3399% | 5,217 |
| Equity capital to assets | 17.4346% | 512 |
| Core capital (leverage) ratio | 9.7486% | 3,388 |
| Tier 1 risk-based capital ratio | 11.6221% | 5,272 |
| Total risk-based capital ratio | 12.4075% | 5,723 |
| Memoranda: | ||
| Average total assets | $31,770,400 | 7,414 |
| Average earning assets | $25,503,200 | 7,524 |
| Average equity | $6,438,400 | 6,447 |
| Average total loans | $22,392,800 | 7,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9460% | 329 |
| Cost of funding earning assets | 1.2245% | 6,827 |
| Net interest margin | 5.7215% | 140 |
| Noninterest income to average assets | 0.6681% | 3,231 |
| Noninterest expense to average assets | 4.2095% | 1,022 |
| Loan and lease loss provision to assets | 0.2838% | 4,705 |
| Net operating income to assets | 0.4629% | 4,151 |
| Return on assets (ROA) | 0.4629% | 4,252 |
| Pretax return on assets | 0.7249% | 3,775 |
| Return on Equity (ROE) | 2.1920% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.1920% | 4,102 |
| Net charge-offs to loans | -0.0062% | 7,645 |
| Credit loss provision to net charge-offs | -6,500.0000% | 7,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6695% | 2,748 |
| Assets per employee ($millions) | 2.4072% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 5,889 |
| Loan loss allowance to noncurrent loans | 41.3849% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 3,592 |
| Noncurrent loans to loans | 2.5893% | 2,919 |
| Net loans and leases to total assets | 70.4015% | 3,414 |
| Net loans and leases to deposits | 88.3288% | 2,899 |
| Net loans and leases to core deposits | 105.4536% | 3,762 |
| Total domestic deposits to total assets | 79.7039% | 5,557 |
| Equity capital to assets | 18.9579% | 424 |
| Core capital (leverage) ratio | 10.6034% | 2,709 |
| Tier 1 risk-based capital ratio | 12.5803% | 4,487 |
| Total risk-based capital ratio | 13.6317% | 4,593 |
| Memoranda: | ||
| Average total assets | $30,533,000 | 7,519 |
| Average earning assets | $24,282,000 | 7,634 |
| Average equity | $6,447,500 | 6,505 |
| Average total loans | $21,424,750 | 7,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8628% | 402 |
| Cost of funding earning assets | 1.1838% | 7,152 |
| Net interest margin | 5.6790% | 144 |
| Noninterest income to average assets | 0.6310% | 3,464 |
| Noninterest expense to average assets | 4.2949% | 952 |
| Loan and lease loss provision to assets | 0.2782% | 4,351 |
| Net operating income to assets | 0.3325% | 4,753 |
| Return on assets (ROA) | 0.3325% | 4,867 |
| Pretax return on assets | 0.5496% | 4,472 |
| Return on Equity (ROE) | 1.5154% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.5154% | 4,483 |
| Net charge-offs to loans | -0.0097% | 7,603 |
| Credit loss provision to net charge-offs | -4,100.0000% | 7,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8411% | 2,494 |
| Assets per employee ($millions) | 2.3421% | 7,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,960 |
| Loan loss allowance to noncurrent loans | 32.3611% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 2.3648% | 2,748 |
| Noncurrent loans to loans | 3.2177% | 2,213 |
| Net loans and leases to total assets | 72.7264% | 3,025 |
| Net loans and leases to deposits | 95.3618% | 1,896 |
| Net loans and leases to core deposits | 103.0003% | 4,177 |
| Total domestic deposits to total assets | 76.2637% | 6,492 |
| Equity capital to assets | 20.8001% | 341 |
| Core capital (leverage) ratio | 11.3586% | 2,163 |
| Tier 1 risk-based capital ratio | 12.8665% | 4,233 |
| Total risk-based capital ratio | 13.8595% | 4,351 |
| Memoranda: | ||
| Average total assets | $29,477,000 | 7,624 |
| Average earning assets | $23,314,000 | 7,753 |
| Average equity | $6,467,000 | 6,542 |
| Average total loans | $20,572,000 | 7,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6156% | 691 |
| Cost of funding earning assets | 1.2140% | 7,270 |
| Net interest margin | 5.4016% | 201 |
| Noninterest income to average assets | 0.6347% | 3,316 |
| Noninterest expense to average assets | 4.3046% | 848 |
| Loan and lease loss provision to assets | 0.5657% | 2,223 |
| Net operating income to assets | 0.0000% | 6,252 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 0.0000% | 6,374 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | -0.0203% | 7,444 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3853% | 1,863 |
| Assets per employee ($millions) | 2.0811% | 7,828 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,105 |
| Loan loss allowance to noncurrent loans | 18.8055% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 4.8739% | 948 |
| Noncurrent loans to loans | 6.1309% | 769 |
| Net loans and leases to total assets | 68.5636% | 4,004 |
| Net loans and leases to deposits | 88.8849% | 3,127 |
| Net loans and leases to core deposits | 94.9114% | 5,071 |
| Total domestic deposits to total assets | 77.1375% | 6,242 |
| Equity capital to assets | 21.5686% | 330 |
| Core capital (leverage) ratio | 11.6284% | 2,081 |
| Tier 1 risk-based capital ratio | 13.3916% | 3,932 |
| Total risk-based capital ratio | 14.4422% | 3,976 |
| Memoranda: | ||
| Average total assets | $28,992,000 | 7,688 |
| Average earning assets | $22,734,000 | 7,815 |
| Average equity | $6,534,000 | 6,573 |
| Average total loans | $19,670,000 | 7,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8459% | 1,540 |
| Cost of funding earning assets | 1.4240% | 7,717 |
| Net interest margin | 5.4220% | 230 |
| Noninterest income to average assets | 0.7579% | 2,736 |
| Noninterest expense to average assets | 4.2322% | 1,116 |
| Loan and lease loss provision to assets | 0.6587% | 2,206 |
| Net operating income to assets | 0.0496% | 6,233 |
| Return on assets (ROA) | 0.0496% | 6,091 |
| Pretax return on assets | 0.0744% | 6,002 |
| Return on Equity (ROE) | 0.2062% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.2062% | 5,105 |
| Net charge-offs to loans | 0.5099% | 2,316 |
| Credit loss provision to net charge-offs | 187.8788% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 5,030 |
| Efficiency ratio | 85.2354% | 1,927 |
| Assets per employee ($millions) | 2.2192% | 7,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,073 |
| Loan loss allowance to noncurrent loans | 38.9796% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 2,090 |
| Noncurrent loans to loans | 2.5613% | 2,122 |
| Net loans and leases to total assets | 65.6522% | 4,921 |
| Net loans and leases to deposits | 87.3213% | 3,888 |
| Net loans and leases to core deposits | 94.0978% | 5,441 |
| Total domestic deposits to total assets | 75.1846% | 6,410 |
| Equity capital to assets | 23.5155% | 303 |
| Core capital (leverage) ratio | 14.3187% | 1,181 |
| Tier 1 risk-based capital ratio | 15.9672% | 2,675 |
| Total risk-based capital ratio | 16.8461% | 2,739 |
| Memoranda: | ||
| Average total assets | $28,235,600 | 7,717 |
| Average earning assets | $21,910,800 | 7,863 |
| Average equity | $6,789,400 | 6,531 |
| Average total loans | $19,415,400 | 7,369 |