Home > Broward Bank of Commerce > Performance and Condition Ratios
Broward Bank of Commerce, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,495 |
| Cost of funding earning assets | 0.6295% | 1,604 |
| Net interest margin | 3.9984% | 1,888 |
| Noninterest income to average assets | 0.4233% | 4,073 |
| Noninterest expense to average assets | 2.5141% | 4,483 |
| Loan and lease loss provision to assets | 0.6637% | 193 |
| Net operating income to assets | 0.6628% | 4,142 |
| Return on assets (ROA) | 0.7367% | 3,852 |
| Pretax return on assets | 1.1726% | 2,900 |
| Return on Equity (ROE) | 6.4302% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.4302% | 2,152 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3657% | 5,268 |
| Assets per employee ($millions) | 6.6586% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.7636% | 3,066 |
| Net loans and leases to deposits | 80.2899% | 2,648 |
| Net loans and leases to core deposits | 92.0398% | 2,032 |
| Total domestic deposits to total assets | 80.6622% | 4,926 |
| Equity capital to assets | 11.0695% | 2,881 |
| Core capital (leverage) ratio | 11.7996% | 1,833 |
| Tier 1 risk-based capital ratio | 14.9605% | 3,610 |
| Total risk-based capital ratio | 16.2210% | 3,532 |
| Memoranda: | ||
| Average total assets | $169,759,500 | 3,371 |
| Average earning assets | $161,827,000 | 3,284 |
| Average equity | $19,449,500 | 3,234 |
| Average total loans | $112,152,500 | 3,192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,357 |
| Cost of funding earning assets | 0.6572% | 1,455 |
| Net interest margin | 4.0085% | 1,781 |
| Noninterest income to average assets | 0.5276% | 3,287 |
| Noninterest expense to average assets | 2.8711% | 3,261 |
| Loan and lease loss provision to assets | -0.0757% | 6,344 |
| Net operating income to assets | 1.0127% | 2,282 |
| Return on assets (ROA) | 1.0588% | 2,163 |
| Pretax return on assets | 1.6296% | 1,184 |
| Return on Equity (ROE) | 9.1300% | 2,535 |
| Retained earnings to average equity (ytd only) | 9.1300% | 946 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9398% | 4,375 |
| Assets per employee ($millions) | 6.0173% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 2,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.7145% | 2,958 |
| Net loans and leases to deposits | 75.3568% | 3,147 |
| Net loans and leases to core deposits | 86.2596% | 2,491 |
| Total domestic deposits to total assets | 85.8775% | 3,106 |
| Equity capital to assets | 11.7852% | 2,176 |
| Core capital (leverage) ratio | 11.2380% | 2,213 |
| Tier 1 risk-based capital ratio | 15.4480% | 3,382 |
| Total risk-based capital ratio | 16.7013% | 3,321 |
| Memoranda: | ||
| Average total assets | $166,418,330 | 3,428 |
| Average earning assets | $158,860,670 | 3,338 |
| Average equity | $19,299,000 | 3,240 |
| Average total loans | $109,817,670 | 3,251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 1,681 |
| Cost of funding earning assets | 0.6379% | 1,664 |
| Net interest margin | 3.9004% | 2,087 |
| Noninterest income to average assets | 0.7352% | 2,012 |
| Noninterest expense to average assets | 2.9265% | 3,131 |
| Loan and lease loss provision to assets | -0.1524% | 6,533 |
| Net operating income to assets | 1.1069% | 1,791 |
| Return on assets (ROA) | 1.1996% | 1,553 |
| Pretax return on assets | 1.8454% | 736 |
| Return on Equity (ROE) | 10.4309% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.4309% | 865 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3701% | 4,631 |
| Assets per employee ($millions) | 6.1372% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 2,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 65.0423% | 2,722 |
| Net loans and leases to deposits | 77.9434% | 2,567 |
| Net loans and leases to core deposits | 88.9612% | 2,001 |
| Total domestic deposits to total assets | 83.4482% | 4,468 |
| Equity capital to assets | 11.2749% | 2,456 |
| Core capital (leverage) ratio | 12.1876% | 1,543 |
| Tier 1 risk-based capital ratio | 15.2145% | 3,606 |
| Total risk-based capital ratio | 16.4680% | 3,557 |
| Memoranda: | ||
| Average total assets | $165,386,000 | 3,475 |
| Average earning assets | $158,649,500 | 3,364 |
| Average equity | $19,020,500 | 3,277 |
| Average total loans | $109,302,500 | 3,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 1,431 |
| Cost of funding earning assets | 0.6597% | 2,127 |
| Net interest margin | 4.0951% | 1,657 |
| Noninterest income to average assets | 0.5091% | 3,697 |
| Noninterest expense to average assets | 3.0513% | 2,895 |
| Loan and lease loss provision to assets | 0.2834% | 1,216 |
| Net operating income to assets | 0.7141% | 3,729 |
| Return on assets (ROA) | 0.7036% | 3,865 |
| Pretax return on assets | 1.0726% | 3,058 |
| Return on Equity (ROE) | 5.7818% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.7818% | 2,113 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9826% | 4,020 |
| Assets per employee ($millions) | 5.8863% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 2,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.8978% | 2,888 |
| Net loans and leases to deposits | 75.7567% | 2,989 |
| Net loans and leases to core deposits | 87.6201% | 2,277 |
| Total domestic deposits to total assets | 85.6660% | 3,420 |
| Equity capital to assets | 11.7448% | 1,990 |
| Core capital (leverage) ratio | 12.0413% | 1,576 |
| Tier 1 risk-based capital ratio | 16.0393% | 3,076 |
| Total risk-based capital ratio | 17.2949% | 3,027 |
| Memoranda: | ||
| Average total assets | $150,657,800 | 3,695 |
| Average earning assets | $143,999,800 | 3,603 |
| Average equity | $18,333,400 | 3,365 |
| Average total loans | $102,710,400 | 3,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 1,545 |
| Cost of funding earning assets | 0.6388% | 2,464 |
| Net interest margin | 4.0827% | 1,683 |
| Noninterest income to average assets | 0.3930% | 4,582 |
| Noninterest expense to average assets | 3.1217% | 2,588 |
| Loan and lease loss provision to assets | 0.3778% | 821 |
| Net operating income to assets | 0.4768% | 4,902 |
| Return on assets (ROA) | 0.4630% | 5,109 |
| Pretax return on assets | 0.7717% | 4,411 |
| Return on Equity (ROE) | 3.7697% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.7697% | 4,002 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7216% | 3,275 |
| Assets per employee ($millions) | 6.0007% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 2,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.4270% | 2,388 |
| Net loans and leases to deposits | 79.2096% | 2,514 |
| Net loans and leases to core deposits | 92.0304% | 1,763 |
| Total domestic deposits to total assets | 85.1249% | 3,673 |
| Equity capital to assets | 11.7043% | 2,124 |
| Core capital (leverage) ratio | 12.1698% | 1,576 |
| Tier 1 risk-based capital ratio | 16.0659% | 3,157 |
| Total risk-based capital ratio | 17.3222% | 3,115 |
| Memoranda: | ||
| Average total assets | $148,589,750 | 3,767 |
| Average earning assets | $141,930,000 | 3,672 |
| Average equity | $18,250,250 | 3,413 |
| Average total loans | $102,133,000 | 3,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 1,328 |
| Cost of funding earning assets | 0.6059% | 2,887 |
| Net interest margin | 4.1922% | 1,299 |
| Noninterest income to average assets | 0.2341% | 5,771 |
| Noninterest expense to average assets | 3.2482% | 2,218 |
| Loan and lease loss provision to assets | 0.5201% | 509 |
| Net operating income to assets | 0.2779% | 5,675 |
| Return on assets (ROA) | 0.2683% | 5,857 |
| Pretax return on assets | 0.4476% | 5,527 |
| Return on Equity (ROE) | 2.1483% | 5,907 |
| Retained earnings to average equity (ytd only) | 2.1483% | 4,909 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7713% | 2,673 |
| Assets per employee ($millions) | 5.3749% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.7998% | 2,449 |
| Net loans and leases to deposits | 79.6790% | 2,371 |
| Net loans and leases to core deposits | 92.4976% | 1,656 |
| Total domestic deposits to total assets | 83.8361% | 4,391 |
| Equity capital to assets | 12.0395% | 1,890 |
| Core capital (leverage) ratio | 12.6941% | 1,293 |
| Tier 1 risk-based capital ratio | 15.8077% | 3,310 |
| Total risk-based capital ratio | 17.0638% | 3,258 |
| Memoranda: | ||
| Average total assets | $146,113,330 | 3,837 |
| Average earning assets | $139,305,670 | 3,731 |
| Average equity | $18,246,670 | 3,436 |
| Average total loans | $100,487,000 | 3,473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,592 |
| Cost of funding earning assets | 0.6174% | 2,946 |
| Net interest margin | 4.0628% | 1,579 |
| Noninterest income to average assets | 0.2418% | 5,727 |
| Noninterest expense to average assets | 3.3574% | 1,936 |
| Loan and lease loss provision to assets | 0.6281% | 395 |
| Net operating income to assets | 0.1028% | 6,139 |
| Return on assets (ROA) | 0.1028% | 6,233 |
| Pretax return on assets | 0.1334% | 6,203 |
| Return on Equity (ROE) | 0.8083% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.8083% | 5,513 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5115% | 2,114 |
| Assets per employee ($millions) | 5.0074% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 68.4342% | 1,933 |
| Net loans and leases to deposits | 79.6838% | 2,118 |
| Net loans and leases to core deposits | 91.9263% | 1,511 |
| Total domestic deposits to total assets | 85.8822% | 3,594 |
| Equity capital to assets | 12.6138% | 1,638 |
| Core capital (leverage) ratio | 12.4474% | 1,357 |
| Tier 1 risk-based capital ratio | 15.8268% | 3,358 |
| Total risk-based capital ratio | 17.0815% | 3,322 |
| Memoranda: | ||
| Average total assets | $143,922,000 | 3,914 |
| Average earning assets | $137,342,500 | 3,806 |
| Average equity | $18,310,500 | 3,482 |
| Average total loans | $99,549,500 | 3,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 1,388 |
| Cost of funding earning assets | 0.7841% | 2,792 |
| Net interest margin | 4.2814% | 1,442 |
| Noninterest income to average assets | 0.3550% | 4,929 |
| Noninterest expense to average assets | 3.2978% | 2,342 |
| Loan and lease loss provision to assets | 0.2109% | 3,038 |
| Net operating income to assets | 0.6123% | 4,181 |
| Return on assets (ROA) | 0.6747% | 4,133 |
| Pretax return on assets | 1.0995% | 3,160 |
| Return on Equity (ROE) | 4.9995% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.9995% | 2,701 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1115% | 3,223 |
| Assets per employee ($millions) | 4.9183% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 3,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.7242% | 2,235 |
| Net loans and leases to deposits | 79.1101% | 2,390 |
| Net loans and leases to core deposits | 91.9812% | 1,639 |
| Total domestic deposits to total assets | 85.6075% | 3,553 |
| Equity capital to assets | 12.8332% | 1,529 |
| Core capital (leverage) ratio | 13.1758% | 1,055 |
| Tier 1 risk-based capital ratio | 16.0024% | 3,165 |
| Total risk-based capital ratio | 17.2536% | 3,115 |
| Memoranda: | ||
| Average total assets | $133,240,400 | 4,077 |
| Average earning assets | $129,327,600 | 3,915 |
| Average equity | $17,981,800 | 3,469 |
| Average total loans | $90,788,200 | 3,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 1,457 |
| Cost of funding earning assets | 0.8237% | 2,745 |
| Net interest margin | 4.2634% | 1,568 |
| Noninterest income to average assets | 0.3616% | 4,929 |
| Noninterest expense to average assets | 3.3431% | 2,151 |
| Loan and lease loss provision to assets | 0.2811% | 2,317 |
| Net operating income to assets | 0.6619% | 4,081 |
| Return on assets (ROA) | 0.7018% | 4,149 |
| Pretax return on assets | 0.9514% | 3,911 |
| Return on Equity (ROE) | 5.1317% | 4,758 |
| Retained earnings to average equity (ytd only) | 5.1317% | 3,267 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9356% | 2,995 |
| Assets per employee ($millions) | 5.1609% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 72.1461% | 1,529 |
| Net loans and leases to deposits | 86.2737% | 1,571 |
| Net loans and leases to core deposits | 101.9127% | 989 |
| Total domestic deposits to total assets | 83.6246% | 4,384 |
| Equity capital to assets | 14.0711% | 1,132 |
| Core capital (leverage) ratio | 12.2798% | 1,505 |
| Tier 1 risk-based capital ratio | 17.1951% | 2,655 |
| Total risk-based capital ratio | 18.4476% | 2,606 |
| Memoranda: | ||
| Average total assets | $130,893,000 | 4,164 |
| Average earning assets | $127,719,500 | 3,985 |
| Average equity | $17,901,250 | 3,519 |
| Average total loans | $88,973,750 | 3,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 1,900 |
| Cost of funding earning assets | 0.8416% | 2,868 |
| Net interest margin | 4.1191% | 2,014 |
| Noninterest income to average assets | 0.3741% | 4,844 |
| Noninterest expense to average assets | 3.2528% | 2,433 |
| Loan and lease loss provision to assets | 0.2935% | 2,230 |
| Net operating income to assets | 0.6897% | 3,919 |
| Return on assets (ROA) | 0.7969% | 3,660 |
| Pretax return on assets | 0.9793% | 3,788 |
| Return on Equity (ROE) | 5.8821% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,772 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0395% | 3,069 |
| Assets per employee ($millions) | 6.0705% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 4,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.5662% | 2,917 |
| Net loans and leases to deposits | 77.0377% | 2,830 |
| Net loans and leases to core deposits | 88.6045% | 2,137 |
| Total domestic deposits to total assets | 83.8112% | 4,393 |
| Equity capital to assets | 12.9708% | 1,537 |
| Core capital (leverage) ratio | 13.6605% | 914 |
| Tier 1 risk-based capital ratio | 18.4082% | 2,158 |
| Total risk-based capital ratio | 19.6605% | 2,117 |
| Memoranda: | ||
| Average total assets | $131,516,330 | 4,173 |
| Average earning assets | $128,329,000 | 3,991 |
| Average equity | $17,816,670 | 3,522 |
| Average total loans | $87,121,330 | 3,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 1,382 |
| Cost of funding earning assets | 0.8752% | 2,870 |
| Net interest margin | 4.2954% | 1,478 |
| Noninterest income to average assets | 0.1098% | 6,695 |
| Noninterest expense to average assets | 3.2950% | 2,303 |
| Loan and lease loss provision to assets | 0.1475% | 3,517 |
| Net operating income to assets | 0.8567% | 3,123 |
| Return on assets (ROA) | 1.0764% | 2,367 |
| Pretax return on assets | 1.0764% | 3,410 |
| Return on Equity (ROE) | 7.7646% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.7646% | 2,066 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6423% | 2,691 |
| Assets per employee ($millions) | 5.7120% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 66.7566% | 2,339 |
| Net loans and leases to deposits | 81.0819% | 2,046 |
| Net loans and leases to core deposits | 94.5601% | 1,408 |
| Total domestic deposits to total assets | 82.3323% | 5,182 |
| Equity capital to assets | 14.1839% | 953 |
| Core capital (leverage) ratio | 13.6720% | 887 |
| Tier 1 risk-based capital ratio | 19.0803% | 1,966 |
| Total risk-based capital ratio | 20.3310% | 1,934 |
| Memoranda: | ||
| Average total assets | $127,464,000 | 4,295 |
| Average earning assets | $124,318,500 | 4,104 |
| Average equity | $17,670,000 | 3,550 |
| Average total loans | $84,926,500 | 3,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 2,436 |
| Cost of funding earning assets | 1.1150% | 2,574 |
| Net interest margin | 3.9892% | 2,937 |
| Noninterest income to average assets | 0.3936% | 4,669 |
| Noninterest expense to average assets | 3.1525% | 3,018 |
| Loan and lease loss provision to assets | 0.2299% | 3,901 |
| Net operating income to assets | 1.7137% | 537 |
| Return on assets (ROA) | 1.7332% | 559 |
| Pretax return on assets | 0.9493% | 3,428 |
| Return on Equity (ROE) | 14.3691% | 851 |
| Retained earnings to average equity (ytd only) | 14.3691% | 156 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1064% | 3,375 |
| Assets per employee ($millions) | 6.1554% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 64.6561% | 3,046 |
| Net loans and leases to deposits | 79.6928% | 2,582 |
| Net loans and leases to core deposits | 92.1537% | 1,871 |
| Total domestic deposits to total assets | 81.1316% | 5,415 |
| Equity capital to assets | 13.5506% | 1,242 |
| Core capital (leverage) ratio | 13.1692% | 1,082 |
| Tier 1 risk-based capital ratio | 18.5413% | 2,033 |
| Total risk-based capital ratio | 19.7919% | 1,999 |
| Memoranda: | ||
| Average total assets | $117,875,600 | 4,462 |
| Average earning assets | $115,787,000 | 4,245 |
| Average equity | $14,218,000 | 4,067 |
| Average total loans | $73,750,600 | 4,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 2,571 |
| Cost of funding earning assets | 1.1627% | 2,547 |
| Net interest margin | 3.9452% | 3,171 |
| Noninterest income to average assets | 0.5007% | 3,866 |
| Noninterest expense to average assets | 3.2745% | 2,577 |
| Loan and lease loss provision to assets | 0.0765% | 5,491 |
| Net operating income to assets | 1.0316% | 2,209 |
| Return on assets (ROA) | 1.0525% | 2,275 |
| Pretax return on assets | 1.0525% | 3,198 |
| Return on Equity (ROE) | 9.0390% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.0390% | 1,130 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7157% | 3,046 |
| Assets per employee ($millions) | 6.2159% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 5,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.4073% | 3,430 |
| Net loans and leases to deposits | 74.6593% | 3,563 |
| Net loans and leases to core deposits | 86.2335% | 2,745 |
| Total domestic deposits to total assets | 84.9289% | 3,800 |
| Equity capital to assets | 13.4768% | 1,379 |
| Core capital (leverage) ratio | 12.7554% | 1,325 |
| Tier 1 risk-based capital ratio | 18.9922% | 1,941 |
| Total risk-based capital ratio | 20.1505% | 1,935 |
| Memoranda: | ||
| Average total assets | $115,028,500 | 4,556 |
| Average earning assets | $113,181,000 | 4,322 |
| Average equity | $13,393,500 | 4,269 |
| Average total loans | $71,001,500 | 4,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 2,566 |
| Cost of funding earning assets | 1.1878% | 2,660 |
| Net interest margin | 3.9374% | 3,138 |
| Noninterest income to average assets | 0.0715% | 6,954 |
| Noninterest expense to average assets | 3.2806% | 2,632 |
| Loan and lease loss provision to assets | 0.1358% | 4,612 |
| Net operating income to assets | 0.5289% | 4,381 |
| Return on assets (ROA) | 0.5611% | 4,382 |
| Pretax return on assets | 0.5611% | 4,877 |
| Return on Equity (ROE) | 5.1168% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.1168% | 2,932 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1522% | 1,935 |
| Assets per employee ($millions) | 6.5182% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.1820% | 4,049 |
| Net loans and leases to deposits | 70.6421% | 4,348 |
| Net loans and leases to core deposits | 82.0583% | 3,492 |
| Total domestic deposits to total assets | 86.6084% | 2,981 |
| Equity capital to assets | 10.9122% | 3,047 |
| Core capital (leverage) ratio | 10.8407% | 2,380 |
| Tier 1 risk-based capital ratio | 16.2508% | 2,858 |
| Total risk-based capital ratio | 17.5016% | 2,827 |
| Memoranda: | ||
| Average total assets | $111,932,330 | 4,661 |
| Average earning assets | $110,123,670 | 4,442 |
| Average equity | $12,273,330 | 4,484 |
| Average total loans | $68,071,670 | 4,641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 3,211 |
| Cost of funding earning assets | 1.1856% | 2,911 |
| Net interest margin | 3.7910% | 3,657 |
| Noninterest income to average assets | 0.0696% | 7,041 |
| Noninterest expense to average assets | 3.1748% | 2,985 |
| Loan and lease loss provision to assets | 0.3113% | 2,676 |
| Net operating income to assets | 0.3186% | 5,316 |
| Return on assets (ROA) | 0.3845% | 5,101 |
| Pretax return on assets | 0.3845% | 5,389 |
| Return on Equity (ROE) | 3.4975% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.4975% | 4,086 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4456% | 2,025 |
| Assets per employee ($millions) | 6.1464% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 62.6276% | 3,731 |
| Net loans and leases to deposits | 72.7196% | 3,960 |
| Net loans and leases to core deposits | 76.6477% | 4,212 |
| Total domestic deposits to total assets | 86.1219% | 3,449 |
| Equity capital to assets | 10.9134% | 2,765 |
| Core capital (leverage) ratio | 11.3074% | 1,952 |
| Tier 1 risk-based capital ratio | 16.5052% | 2,658 |
| Total risk-based capital ratio | 17.7565% | 2,635 |
| Memoranda: | ||
| Average total assets | $109,235,000 | 4,758 |
| Average earning assets | $107,622,500 | 4,536 |
| Average equity | $12,008,500 | 4,546 |
| Average total loans | $65,728,500 | 4,782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 4,905 |
| Cost of funding earning assets | 1.3721% | 3,445 |
| Net interest margin | 3.5525% | 5,030 |
| Noninterest income to average assets | 0.0866% | 6,965 |
| Noninterest expense to average assets | 3.6918% | 1,717 |
| Loan and lease loss provision to assets | 0.4391% | 3,486 |
| Net operating income to assets | -0.5702% | 6,431 |
| Return on assets (ROA) | -0.5808% | 6,466 |
| Pretax return on assets | -0.5808% | 6,382 |
| Return on Equity (ROE) | -4.4294% | 6,385 |
| Retained earnings to average equity (ytd only) | -4.4294% | 6,239 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6830% | 682 |
| Assets per employee ($millions) | 6.7397% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 4,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.9058% | 5,359 |
| Net loans and leases to deposits | 64.8195% | 5,534 |
| Net loans and leases to core deposits | 68.8881% | 5,567 |
| Total domestic deposits to total assets | 86.2484% | 3,230 |
| Equity capital to assets | 11.0753% | 2,623 |
| Core capital (leverage) ratio | 11.7847% | 1,680 |
| Tier 1 risk-based capital ratio | 18.3566% | 1,891 |
| Total risk-based capital ratio | 19.6085% | 1,853 |
| Memoranda: | ||
| Average total assets | $85,406,200 | 5,426 |
| Average earning assets | $83,519,600 | 5,230 |
| Average equity | $11,197,800 | 4,815 |
| Average total loans | $49,549,200 | 5,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 5,071 |
| Cost of funding earning assets | 1.4074% | 3,542 |
| Net interest margin | 3.5347% | 5,168 |
| Noninterest income to average assets | 0.0952% | 7,067 |
| Noninterest expense to average assets | 3.9682% | 1,083 |
| Loan and lease loss provision to assets | 0.4946% | 2,994 |
| Net operating income to assets | -0.9223% | 6,857 |
| Return on assets (ROA) | -0.9373% | 6,910 |
| Pretax return on assets | -0.9373% | 6,827 |
| Return on Equity (ROE) | -6.7927% | 6,775 |
| Retained earnings to average equity (ytd only) | -6.7927% | 6,697 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0812% | 489 |
| Assets per employee ($millions) | 5.9671% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 55.2928% | 5,655 |
| Net loans and leases to deposits | 64.1670% | 5,896 |
| Net loans and leases to core deposits | 69.1560% | 5,831 |
| Total domestic deposits to total assets | 86.1701% | 2,993 |
| Equity capital to assets | 10.9769% | 2,984 |
| Core capital (leverage) ratio | 11.3966% | 2,012 |
| Tier 1 risk-based capital ratio | 16.7111% | 2,460 |
| Total risk-based capital ratio | 17.9617% | 2,419 |
| Memoranda: | ||
| Average total assets | $79,799,000 | 5,668 |
| Average earning assets | $77,779,250 | 5,491 |
| Average equity | $11,011,500 | 4,919 |
| Average total loans | $46,640,250 | 5,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 5,548 |
| Cost of funding earning assets | 1.4089% | 3,819 |
| Net interest margin | 3.4584% | 5,412 |
| Noninterest income to average assets | 0.0772% | 7,203 |
| Noninterest expense to average assets | 4.2488% | 764 |
| Loan and lease loss provision to assets | 0.6503% | 2,213 |
| Net operating income to assets | -1.4604% | 7,138 |
| Return on assets (ROA) | -1.4851% | 7,155 |
| Pretax return on assets | -1.4851% | 7,070 |
| Return on Equity (ROE) | -9.8265% | 6,962 |
| Retained earnings to average equity (ytd only) | -9.8265% | 6,909 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5577% | 370 |
| Assets per employee ($millions) | 5.2527% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.5464% | 4,954 |
| Net loans and leases to deposits | 72.5147% | 4,908 |
| Net loans and leases to core deposits | 77.6455% | 5,005 |
| Total domestic deposits to total assets | 83.4954% | 4,341 |
| Equity capital to assets | 13.1278% | 1,512 |
| Core capital (leverage) ratio | 13.7073% | 997 |
| Tier 1 risk-based capital ratio | 17.6227% | 2,069 |
| Total risk-based capital ratio | 18.8733% | 2,035 |
| Memoranda: | ||
| Average total assets | $72,585,330 | 5,905 |
| Average earning assets | $70,552,000 | 5,752 |
| Average equity | $10,970,330 | 4,930 |
| Average total loans | $43,217,330 | 5,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 5,964 |
| Cost of funding earning assets | 1.4515% | 3,865 |
| Net interest margin | 3.3292% | 5,867 |
| Noninterest income to average assets | 0.0778% | 7,311 |
| Noninterest expense to average assets | 4.3975% | 641 |
| Loan and lease loss provision to assets | 0.4009% | 2,967 |
| Net operating income to assets | -1.4957% | 7,330 |
| Return on assets (ROA) | -1.5496% | 7,350 |
| Pretax return on assets | -1.5496% | 7,272 |
| Return on Equity (ROE) | -9.4707% | 7,116 |
| Retained earnings to average equity (ytd only) | -9.4707% | 6,928 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1522% | 306 |
| Assets per employee ($millions) | 5.0447% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.0726% | 6,145 |
| Net loans and leases to deposits | 64.6824% | 5,975 |
| Net loans and leases to core deposits | 68.5125% | 6,054 |
| Total domestic deposits to total assets | 82.0510% | 5,055 |
| Equity capital to assets | 14.3320% | 1,055 |
| Core capital (leverage) ratio | 16.5969% | 492 |
| Tier 1 risk-based capital ratio | 23.9471% | 973 |
| Total risk-based capital ratio | 25.1988% | 951 |
| Memoranda: | ||
| Average total assets | $66,856,500 | 6,142 |
| Average earning assets | $64,761,000 | 6,007 |
| Average equity | $10,939,000 | 4,993 |
| Average total loans | $39,003,500 | 6,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 7,801 |
| Cost of funding earning assets | 0.8808% | 7,436 |
| Net interest margin | 2.7704% | 7,105 |
| Noninterest income to average assets | 0.0995% | 7,268 |
| Noninterest expense to average assets | 9.9829% | 101 |
| Loan and lease loss provision to assets | 1.4895% | 1,544 |
| Net operating income to assets | -8.7265% | 7,952 |
| Return on assets (ROA) | -8.7265% | 7,956 |
| Pretax return on assets | -8.7265% | 7,941 |
| Return on Equity (ROE) | -26.4866% | 7,327 |
| Retained earnings to average equity (ytd only) | -26.4866% | 7,300 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 363.5611% | 52 |
| Assets per employee ($millions) | 4.4648% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.2841% | 4,755 |
| Net loans and leases to deposits | 82.9427% | 3,462 |
| Net loans and leases to core deposits | 94.6311% | 4,608 |
| Total domestic deposits to total assets | 76.2986% | 6,620 |
| Equity capital to assets | 19.0083% | 363 |
| Core capital (leverage) ratio | 22.7337% | 198 |
| Tier 1 risk-based capital ratio | 27.5156% | 670 |
| Total risk-based capital ratio | 28.7653% | 654 |
| Memoranda: | ||
| Average total assets | $35,180,000 | 7,274 |
| Average earning assets | $33,605,000 | 7,204 |
| Average equity | $11,590,750 | 4,845 |
| Average total loans | $21,145,000 | 7,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 7,976 |
| Cost of funding earning assets | 0.6080% | 7,881 |
| Net interest margin | 2.4832% | 7,481 |
| Noninterest income to average assets | 0.1113% | 7,342 |
| Noninterest expense to average assets | 13.6625% | 68 |
| Loan and lease loss provision to assets | 1.7078% | 1,088 |
| Net operating income to assets | -12.9077% | 8,065 |
| Return on assets (ROA) | -12.9077% | 8,065 |
| Pretax return on assets | -12.9077% | 8,065 |
| Return on Equity (ROE) | -30.2058% | 7,613 |
| Retained earnings to average equity (ytd only) | -30.2058% | 7,599 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 554.8134% | 31 |
| Assets per employee ($millions) | 3.2243% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.7238% | 5,467 |
| Net loans and leases to deposits | 91.7424% | 2,282 |
| Net loans and leases to core deposits | 99.5035% | 4,432 |
| Total domestic deposits to total assets | 66.1895% | 7,674 |
| Equity capital to assets | 27.2760% | 147 |
| Core capital (leverage) ratio | 35.5660% | 92 |
| Tier 1 risk-based capital ratio | 40.8975% | 273 |
| Total risk-based capital ratio | 42.1668% | 262 |
| Memoranda: | ||
| Average total assets | $27,559,000 | 7,635 |
| Average earning assets | $26,094,670 | 7,568 |
| Average equity | $11,776,670 | 4,849 |
| Average total loans | $15,774,670 | 7,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3162% | 8,111 |
| Cost of funding earning assets | 0.2608% | 8,114 |
| Net interest margin | 2.0553% | 7,830 |
| Noninterest income to average assets | 0.1374% | 7,272 |
| Noninterest expense to average assets | 21.0888% | 57 |
| Loan and lease loss provision to assets | 1.4720% | 1,175 |
| Net operating income to assets | -20.4902% | 8,174 |
| Return on assets (ROA) | -20.4902% | 8,173 |
| Pretax return on assets | -20.4902% | 8,172 |
| Return on Equity (ROE) | -34.9500% | 7,785 |
| Retained earnings to average equity (ytd only) | -34.9500% | 7,765 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,018.4834% | 21 |
| Assets per employee ($millions) | 2.1536% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.2031% | 6,068 |
| Net loans and leases to deposits | 107.3332% | 688 |
| Net loans and leases to core deposits | 125.6203% | 1,906 |
| Total domestic deposits to total assets | 53.2949% | 8,037 |
| Equity capital to assets | 45.9776% | 69 |
| Core capital (leverage) ratio | 63.7823% | 41 |
| Tier 1 risk-based capital ratio | 69.1417% | 107 |
| Total risk-based capital ratio | 70.0145% | 107 |
| Memoranda: | ||
| Average total assets | $20,380,500 | 7,912 |
| Average earning assets | $19,169,500 | 7,882 |
| Average equity | $11,948,500 | 4,825 |
| Average total loans | $10,759,000 | 7,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1584% | 8,212 |
| Cost of funding earning assets | 0.0848% | 8,205 |
| Net interest margin | 1.0737% | 8,152 |
| Noninterest income to average assets | 0.1609% | 7,156 |
| Noninterest expense to average assets | 40.8902% | 36 |
| Loan and lease loss provision to assets | 1.7697% | 697 |
| Net operating income to assets | -41.4801% | 8,240 |
| Return on assets (ROA) | -41.4801% | 8,239 |
| Pretax return on assets | -41.4801% | 8,239 |
| Return on Equity (ROE) | -51.5023% | 8,054 |
| Retained earnings to average equity (ytd only) | -51.5023% | 8,037 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,465.9091% | 5 |
| Assets per employee ($millions) | 1.4918% | 8,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.6989% | 7,369 |
| Net loans and leases to deposits | 236.2813% | 28 |
| Net loans and leases to core deposits | 245.2596% | 71 |
| Total domestic deposits to total assets | 18.4944% | 8,190 |
| Equity capital to assets | 80.5403% | 31 |
| Core capital (leverage) ratio | 86.1923% | 20 |
| Tier 1 risk-based capital ratio | 150.8988% | 53 |
| Total risk-based capital ratio | 151.7285% | 53 |
| Memoranda: | ||
| Average total assets | $14,918,000 | 8,119 |
| Average earning assets | $14,157,000 | 8,082 |
| Average equity | $12,015,000 | 4,830 |
| Average total loans | $6,585,000 | 8,058 |