Home > Cambridge State Bank > Performance and Condition Ratios
Cambridge State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 2,631 |
| Cost of funding earning assets | 0.2714% | 4,650 |
| Net interest margin | 3.9126% | 1,990 |
| Noninterest income to average assets | 0.6313% | 2,579 |
| Noninterest expense to average assets | 2.4452% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1183% | 1,929 |
| Return on assets (ROA) | 1.1129% | 2,027 |
| Pretax return on assets | 1.7237% | 1,045 |
| Return on Equity (ROE) | 6.4886% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.4886% | 1,966 |
| Net charge-offs to loans | -0.2450% | 6,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5378% | 5,059 |
| Assets per employee ($millions) | 5.5029% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3196% | 29 |
| Loan loss allowance to noncurrent loans | 422.9426% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4719% | 1,531 |
| Noncurrent loans to loans | 1.4942% | 1,680 |
| Net loans and leases to total assets | 76.1445% | 1,368 |
| Net loans and leases to deposits | 101.3444% | 591 |
| Net loans and leases to core deposits | 106.2707% | 1,076 |
| Total domestic deposits to total assets | 75.1344% | 5,610 |
| Equity capital to assets | 15.7962% | 595 |
| Core capital (leverage) ratio | 15.8942% | 502 |
| Tier 1 risk-based capital ratio | 20.4093% | 1,453 |
| Total risk-based capital ratio | 21.7287% | 1,403 |
| Memoranda: | ||
| Average total assets | $65,051,500 | 5,270 |
| Average earning assets | $58,953,500 | 5,275 |
| Average equity | $11,157,750 | 4,503 |
| Average total loans | $50,071,250 | 4,712 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 2,444 |
| Cost of funding earning assets | 0.2772% | 4,641 |
| Net interest margin | 3.9495% | 1,809 |
| Noninterest income to average assets | 0.6304% | 2,580 |
| Noninterest expense to average assets | 2.4381% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1359% | 1,821 |
| Return on assets (ROA) | 1.1279% | 1,931 |
| Pretax return on assets | 1.7459% | 991 |
| Return on Equity (ROE) | 6.4035% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.4035% | 2,001 |
| Net charge-offs to loans | -0.2742% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1001% | 5,212 |
| Assets per employee ($millions) | 5.0233% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5237% | 27 |
| Loan loss allowance to noncurrent loans | 403.2335% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 1.9678% | 1,126 |
| Noncurrent loans to loans | 1.6178% | 1,620 |
| Net loans and leases to total assets | 73.8787% | 1,682 |
| Net loans and leases to deposits | 101.3721% | 577 |
| Net loans and leases to core deposits | 106.5199% | 1,046 |
| Total domestic deposits to total assets | 72.8787% | 5,884 |
| Equity capital to assets | 15.6945% | 568 |
| Core capital (leverage) ratio | 15.9955% | 464 |
| Tier 1 risk-based capital ratio | 20.6389% | 1,431 |
| Total risk-based capital ratio | 21.9598% | 1,393 |
| Memoranda: | ||
| Average total assets | $64,723,670 | 5,331 |
| Average earning assets | $58,438,000 | 5,351 |
| Average equity | $11,400,000 | 4,484 |
| Average total loans | $48,870,330 | 4,787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,782 |
| Cost of funding earning assets | 0.2898% | 4,553 |
| Net interest margin | 3.8229% | 2,159 |
| Noninterest income to average assets | 0.8132% | 1,663 |
| Noninterest expense to average assets | 2.4894% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1355% | 1,742 |
| Return on assets (ROA) | 1.1236% | 1,886 |
| Pretax return on assets | 1.7444% | 957 |
| Return on Equity (ROE) | 6.0457% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0457% | 2,473 |
| Net charge-offs to loans | -0.2779% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5401% | 5,275 |
| Assets per employee ($millions) | 4.4935% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7284% | 23 |
| Loan loss allowance to noncurrent loans | 383.9862% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 2.0999% | 1,101 |
| Noncurrent loans to loans | 1.7523% | 1,556 |
| Net loans and leases to total assets | 73.4442% | 1,575 |
| Net loans and leases to deposits | 91.3337% | 1,252 |
| Net loans and leases to core deposits | 91.7983% | 1,961 |
| Total domestic deposits to total assets | 80.4130% | 4,957 |
| Equity capital to assets | 19.1880% | 258 |
| Core capital (leverage) ratio | 18.4087% | 267 |
| Tier 1 risk-based capital ratio | 25.2333% | 866 |
| Total risk-based capital ratio | 26.5523% | 837 |
| Memoranda: | ||
| Average total assets | $64,434,000 | 5,384 |
| Average earning assets | $57,967,000 | 5,420 |
| Average equity | $11,975,500 | 4,419 |
| Average total loans | $47,499,500 | 4,867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,934 |
| Cost of funding earning assets | 0.7911% | 676 |
| Net interest margin | 3.1566% | 5,053 |
| Noninterest income to average assets | 0.5690% | 3,060 |
| Noninterest expense to average assets | 3.7860% | 1,005 |
| Loan and lease loss provision to assets | -1.4260% | 6,503 |
| Net operating income to assets | 0.6845% | 3,969 |
| Return on assets (ROA) | 0.6845% | 4,088 |
| Pretax return on assets | 1.0481% | 3,312 |
| Return on Equity (ROE) | 4.0491% | 5,095 |
| Retained earnings to average equity (ytd only) | 1.3919% | 5,145 |
| Net charge-offs to loans | -0.0637% | 6,011 |
| Credit loss provision to net charge-offs | 3,448.2759% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0879% | 205 |
| Assets per employee ($millions) | 4.7114% | 2,713 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2586% | 21 |
| Loan loss allowance to noncurrent loans | 441.7671% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 1,230 |
| Noncurrent loans to loans | 1.6431% | 1,781 |
| Net loans and leases to total assets | 63.9230% | 3,234 |
| Net loans and leases to deposits | 80.5237% | 2,664 |
| Net loans and leases to core deposits | 81.3141% | 3,165 |
| Total domestic deposits to total assets | 79.3842% | 5,167 |
| Equity capital to assets | 18.0112% | 313 |
| Core capital (leverage) ratio | 16.9351% | 375 |
| Tier 1 risk-based capital ratio | 26.2048% | 748 |
| Total risk-based capital ratio | 27.5347% | 723 |
| Memoranda: | ||
| Average total assets | $70,126,800 | 5,282 |
| Average earning assets | $63,074,600 | 5,307 |
| Average equity | $11,854,400 | 4,385 |
| Average total loans | $45,504,800 | 4,978 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,832 |
| Cost of funding earning assets | 0.9525% | 304 |
| Net interest margin | 2.7555% | 5,929 |
| Noninterest income to average assets | 0.5976% | 2,888 |
| Noninterest expense to average assets | 4.2283% | 596 |
| Loan and lease loss provision to assets | -1.8734% | 6,587 |
| Net operating income to assets | 0.4815% | 4,937 |
| Return on assets (ROA) | 0.4815% | 5,017 |
| Pretax return on assets | 0.7250% | 4,607 |
| Return on Equity (ROE) | 2.8921% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.8921% | 4,541 |
| Net charge-offs to loans | 0.0147% | 4,264 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,088 |
| Earnings coverage of net charge-offs (x) | -122.5352% | 4,688 |
| Efficiency ratio | 137.2871% | 77 |
| Assets per employee ($millions) | 4.7394% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0752% | 32 |
| Loan loss allowance to noncurrent loans | 232.1251% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 3.0293% | 773 |
| Noncurrent loans to loans | 3.0480% | 870 |
| Net loans and leases to total assets | 64.6476% | 3,081 |
| Net loans and leases to deposits | 88.4798% | 1,613 |
| Net loans and leases to core deposits | 89.4167% | 2,280 |
| Total domestic deposits to total assets | 73.0649% | 6,090 |
| Equity capital to assets | 18.0597% | 330 |
| Core capital (leverage) ratio | 14.8235% | 655 |
| Tier 1 risk-based capital ratio | 24.9274% | 888 |
| Total risk-based capital ratio | 26.2582% | 868 |
| Memoranda: | ||
| Average total assets | $71,168,750 | 5,311 |
| Average earning assets | $64,111,750 | 5,328 |
| Average equity | $11,848,000 | 4,416 |
| Average total loans | $45,515,250 | 5,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 5,062 |
| Cost of funding earning assets | 0.9400% | 332 |
| Net interest margin | 2.6919% | 6,061 |
| Noninterest income to average assets | 0.5139% | 3,378 |
| Noninterest expense to average assets | 2.4074% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3628% | 5,361 |
| Return on assets (ROA) | 0.3628% | 5,430 |
| Pretax return on assets | 0.5304% | 5,191 |
| Return on Equity (ROE) | 2.2367% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.2367% | 4,772 |
| Net charge-offs to loans | 0.1810% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.7073% | 3,058 |
| Efficiency ratio | 81.9457% | 1,754 |
| Assets per employee ($millions) | 5.1289% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2364% | 8 |
| Loan loss allowance to noncurrent loans | 350.1656% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 2.5221% | 1,117 |
| Noncurrent loans to loans | 2.6377% | 1,152 |
| Net loans and leases to total assets | 57.8887% | 4,005 |
| Net loans and leases to deposits | 83.1340% | 2,128 |
| Net loans and leases to core deposits | 84.1539% | 2,723 |
| Total domestic deposits to total assets | 69.6330% | 6,366 |
| Equity capital to assets | 16.5365% | 475 |
| Core capital (leverage) ratio | 14.5583% | 688 |
| Tier 1 risk-based capital ratio | 24.2781% | 950 |
| Total risk-based capital ratio | 25.6381% | 921 |
| Memoranda: | ||
| Average total assets | $72,774,330 | 5,318 |
| Average earning assets | $65,530,330 | 5,334 |
| Average equity | $11,803,000 | 4,438 |
| Average total loans | $45,300,000 | 5,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,126 |
| Cost of funding earning assets | 0.9360% | 369 |
| Net interest margin | 2.6803% | 6,130 |
| Noninterest income to average assets | 0.5678% | 2,931 |
| Noninterest expense to average assets | 2.3533% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4204% | 5,040 |
| Return on assets (ROA) | 0.4204% | 5,110 |
| Pretax return on assets | 0.6224% | 4,757 |
| Return on Equity (ROE) | 2.6174% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,505 |
| Net charge-offs to loans | 0.4439% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2800% | 2,916 |
| Efficiency ratio | 79.0826% | 2,324 |
| Assets per employee ($millions) | 6.0454% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4387% | 13 |
| Loan loss allowance to noncurrent loans | 323.4483% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 2.6770% | 1,145 |
| Noncurrent loans to loans | 2.9182% | 1,113 |
| Net loans and leases to total assets | 55.8260% | 4,163 |
| Net loans and leases to deposits | 79.2823% | 2,396 |
| Net loans and leases to core deposits | 80.2342% | 2,942 |
| Total domestic deposits to total assets | 70.4142% | 6,435 |
| Equity capital to assets | 16.2782% | 488 |
| Core capital (leverage) ratio | 13.9993% | 821 |
| Tier 1 risk-based capital ratio | 24.8887% | 902 |
| Total risk-based capital ratio | 26.2517% | 869 |
| Memoranda: | ||
| Average total assets | $73,259,000 | 5,360 |
| Average earning assets | $65,813,000 | 5,381 |
| Average equity | $11,767,500 | 4,458 |
| Average total loans | $45,051,500 | 5,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 4,968 |
| Cost of funding earning assets | 1.0274% | 393 |
| Net interest margin | 2.7249% | 6,106 |
| Noninterest income to average assets | 0.7729% | 2,195 |
| Noninterest expense to average assets | 2.5360% | 4,658 |
| Loan and lease loss provision to assets | 0.0986% | 3,155 |
| Net operating income to assets | 0.4173% | 5,091 |
| Return on assets (ROA) | 0.4211% | 5,180 |
| Pretax return on assets | 0.5824% | 4,924 |
| Return on Equity (ROE) | 2.7310% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.7310% | 4,294 |
| Net charge-offs to loans | 1.5751% | 292 |
| Credit loss provision to net charge-offs | 10.0271% | 4,581 |
| Earnings coverage of net charge-offs (x) | 0.6870% | 4,857 |
| Efficiency ratio | 78.9627% | 2,327 |
| Assets per employee ($millions) | 5.2838% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4110% | 13 |
| Loan loss allowance to noncurrent loans | 243.9178% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 3.5364% | 823 |
| Noncurrent loans to loans | 3.8583% | 771 |
| Net loans and leases to total assets | 55.5770% | 4,378 |
| Net loans and leases to deposits | 78.1255% | 2,707 |
| Net loans and leases to core deposits | 80.2812% | 3,099 |
| Total domestic deposits to total assets | 71.1381% | 6,470 |
| Equity capital to assets | 15.8517% | 548 |
| Core capital (leverage) ratio | 14.1885% | 776 |
| Tier 1 risk-based capital ratio | 24.2744% | 925 |
| Total risk-based capital ratio | 25.6388% | 901 |
| Memoranda: | ||
| Average total assets | $75,040,600 | 5,349 |
| Average earning assets | $67,158,000 | 5,371 |
| Average equity | $11,571,000 | 4,530 |
| Average total loans | $46,855,600 | 5,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 5,318 |
| Cost of funding earning assets | 1.0513% | 387 |
| Net interest margin | 2.5927% | 6,322 |
| Noninterest income to average assets | 0.8569% | 1,907 |
| Noninterest expense to average assets | 2.6451% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3997% | 5,245 |
| Return on assets (ROA) | 0.3984% | 5,384 |
| Pretax return on assets | 0.5329% | 5,263 |
| Return on Equity (ROE) | 2.6013% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.6013% | 4,770 |
| Net charge-offs to loans | 1.5359% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5551% | 4,677 |
| Efficiency ratio | 83.1849% | 1,685 |
| Assets per employee ($millions) | 5.6578% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6842% | 12 |
| Loan loss allowance to noncurrent loans | 142.7039% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 5.3744% | 497 |
| Noncurrent loans to loans | 6.7862% | 317 |
| Net loans and leases to total assets | 55.6763% | 4,365 |
| Net loans and leases to deposits | 78.7807% | 2,551 |
| Net loans and leases to core deposits | 82.3351% | 2,844 |
| Total domestic deposits to total assets | 70.6724% | 6,567 |
| Equity capital to assets | 15.8215% | 579 |
| Core capital (leverage) ratio | 13.1748% | 1,137 |
| Tier 1 risk-based capital ratio | 19.4027% | 1,884 |
| Total risk-based capital ratio | 20.7489% | 1,826 |
| Memoranda: | ||
| Average total assets | $75,307,500 | 5,398 |
| Average earning assets | $67,470,250 | 5,419 |
| Average equity | $11,532,250 | 4,585 |
| Average total loans | $47,223,750 | 5,104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 5,167 |
| Cost of funding earning assets | 1.0687% | 389 |
| Net interest margin | 2.6232% | 6,306 |
| Noninterest income to average assets | 0.9513% | 1,649 |
| Noninterest expense to average assets | 2.6669% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4816% | 4,876 |
| Return on assets (ROA) | 0.4796% | 5,064 |
| Pretax return on assets | 0.6298% | 4,911 |
| Return on Equity (ROE) | 3.1660% | 5,561 |
| Retained earnings to average equity (ytd only) | 3.1660% | 4,301 |
| Net charge-offs to loans | 0.4765% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 3,818 |
| Efficiency ratio | 80.8307% | 2,044 |
| Assets per employee ($millions) | 5.2756% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1267% | 10 |
| Loan loss allowance to noncurrent loans | 136.1864% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 5.8436% | 476 |
| Noncurrent loans to loans | 7.4359% | 301 |
| Net loans and leases to total assets | 57.9293% | 3,999 |
| Net loans and leases to deposits | 81.4971% | 2,118 |
| Net loans and leases to core deposits | 87.7752% | 2,134 |
| Total domestic deposits to total assets | 71.0814% | 6,614 |
| Equity capital to assets | 15.6839% | 583 |
| Core capital (leverage) ratio | 12.9411% | 1,190 |
| Tier 1 risk-based capital ratio | 18.5328% | 2,128 |
| Total risk-based capital ratio | 19.8869% | 2,062 |
| Memoranda: | ||
| Average total assets | $75,892,670 | 5,419 |
| Average earning assets | $67,932,330 | 5,447 |
| Average equity | $11,497,330 | 4,626 |
| Average total loans | $47,851,000 | 5,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,404 |
| Cost of funding earning assets | 1.0834% | 405 |
| Net interest margin | 2.5338% | 6,463 |
| Noninterest income to average assets | 0.6865% | 2,669 |
| Noninterest expense to average assets | 2.8397% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1040% | 6,136 |
| Return on assets (ROA) | 0.1040% | 6,230 |
| Pretax return on assets | 0.1092% | 6,243 |
| Return on Equity (ROE) | 0.6984% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.6984% | 5,546 |
| Net charge-offs to loans | -3.0350% | 6,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2963% | 717 |
| Assets per employee ($millions) | 5.1604% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8057% | 10 |
| Loan loss allowance to noncurrent loans | 118.4134% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 6.8677% | 416 |
| Noncurrent loans to loans | 9.1254% | 256 |
| Net loans and leases to total assets | 56.5072% | 4,006 |
| Net loans and leases to deposits | 77.9137% | 2,349 |
| Net loans and leases to core deposits | 83.0990% | 2,447 |
| Total domestic deposits to total assets | 72.5254% | 6,631 |
| Equity capital to assets | 14.8167% | 803 |
| Core capital (leverage) ratio | 12.1000% | 1,512 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,707 |
| Total risk-based capital ratio | 18.4455% | 2,647 |
| Memoranda: | ||
| Average total assets | $76,909,500 | 5,443 |
| Average earning assets | $68,672,500 | 5,473 |
| Average equity | $11,454,000 | 4,686 |
| Average total loans | $47,973,000 | 5,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 5,896 |
| Cost of funding earning assets | 1.2824% | 398 |
| Net interest margin | 2.4905% | 6,722 |
| Noninterest income to average assets | 1.2116% | 1,071 |
| Noninterest expense to average assets | 3.0787% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2966% | 5,481 |
| Return on assets (ROA) | 0.3000% | 5,676 |
| Pretax return on assets | 0.3399% | 5,744 |
| Return on Equity (ROE) | 2.0659% | 5,876 |
| Retained earnings to average equity (ytd only) | 2.0659% | 4,770 |
| Net charge-offs to loans | 1.9887% | 365 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.2780% | 5,344 |
| Efficiency ratio | 90.1584% | 1,056 |
| Assets per employee ($millions) | 5.0942% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5208% | 12 |
| Loan loss allowance to noncurrent loans | 104.6216% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 7.2736% | 417 |
| Noncurrent loans to loans | 10.0561% | 231 |
| Net loans and leases to total assets | 54.9278% | 4,465 |
| Net loans and leases to deposits | 75.9193% | 2,819 |
| Net loans and leases to core deposits | 81.0489% | 2,874 |
| Total domestic deposits to total assets | 72.3503% | 6,672 |
| Equity capital to assets | 14.9700% | 742 |
| Core capital (leverage) ratio | 12.4512% | 1,342 |
| Tier 1 risk-based capital ratio | 15.5853% | 3,380 |
| Total risk-based capital ratio | 16.9258% | 3,288 |
| Memoranda: | ||
| Average total assets | $77,663,200 | 5,416 |
| Average earning assets | $68,700,600 | 5,474 |
| Average equity | $11,278,600 | 4,709 |
| Average total loans | $47,216,000 | 5,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 5,873 |
| Cost of funding earning assets | 1.3298% | 387 |
| Net interest margin | 2.5357% | 6,803 |
| Noninterest income to average assets | 1.0635% | 1,336 |
| Noninterest expense to average assets | 3.1257% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2257% | 5,850 |
| Return on assets (ROA) | 0.2308% | 6,020 |
| Pretax return on assets | 0.1830% | 6,152 |
| Return on Equity (ROE) | 1.6016% | 6,128 |
| Retained earnings to average equity (ytd only) | 1.6016% | 5,534 |
| Net charge-offs to loans | 0.8796% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 5,157 |
| Efficiency ratio | 94.6170% | 738 |
| Assets per employee ($millions) | 5.0006% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.9461% | 11 |
| Loan loss allowance to noncurrent loans | 92.5304% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 9.4295% | 274 |
| Noncurrent loans to loans | 12.9105% | 140 |
| Net loans and leases to total assets | 54.6561% | 4,646 |
| Net loans and leases to deposits | 76.5784% | 2,897 |
| Net loans and leases to core deposits | 81.9317% | 2,971 |
| Total domestic deposits to total assets | 71.3728% | 6,769 |
| Equity capital to assets | 15.1382% | 791 |
| Core capital (leverage) ratio | 11.8743% | 1,730 |
| Tier 1 risk-based capital ratio | 14.8466% | 3,951 |
| Total risk-based capital ratio | 16.2134% | 3,825 |
| Memoranda: | ||
| Average total assets | $77,975,750 | 5,463 |
| Average earning assets | $68,880,750 | 5,534 |
| Average equity | $11,238,500 | 4,759 |
| Average total loans | $47,293,250 | 5,259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 5,988 |
| Cost of funding earning assets | 1.3789% | 380 |
| Net interest margin | 2.4911% | 6,895 |
| Noninterest income to average assets | 0.8839% | 1,846 |
| Noninterest expense to average assets | 3.1989% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0760% | 6,217 |
| Return on assets (ROA) | 0.0760% | 6,355 |
| Pretax return on assets | -0.1140% | 6,528 |
| Return on Equity (ROE) | 0.5357% | 6,382 |
| Retained earnings to average equity (ytd only) | 0.5357% | 5,852 |
| Net charge-offs to loans | 1.9942% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.0949% | 5,126 |
| Efficiency ratio | 103.6946% | 442 |
| Assets per employee ($millions) | 5.0236% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6972% | 11 |
| Loan loss allowance to noncurrent loans | 91.2470% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 10.0871% | 255 |
| Noncurrent loans to loans | 12.8192% | 148 |
| Net loans and leases to total assets | 54.0980% | 4,785 |
| Net loans and leases to deposits | 75.1844% | 3,102 |
| Net loans and leases to core deposits | 81.9759% | 2,963 |
| Total domestic deposits to total assets | 71.9537% | 6,804 |
| Equity capital to assets | 14.9030% | 813 |
| Core capital (leverage) ratio | 11.2462% | 2,091 |
| Tier 1 risk-based capital ratio | 14.3484% | 4,210 |
| Total risk-based capital ratio | 15.6962% | 4,105 |
| Memoranda: | ||
| Average total assets | $78,964,670 | 5,467 |
| Average earning assets | $69,768,000 | 5,528 |
| Average equity | $11,199,670 | 4,773 |
| Average total loans | $47,538,000 | 5,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 6,697 |
| Cost of funding earning assets | 1.3908% | 441 |
| Net interest margin | 2.1113% | 7,129 |
| Noninterest income to average assets | 0.7627% | 2,333 |
| Noninterest expense to average assets | 3.1249% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2724% | 6,689 |
| Return on assets (ROA) | -0.2724% | 6,730 |
| Pretax return on assets | -0.4903% | 6,824 |
| Return on Equity (ROE) | -1.9670% | 6,686 |
| Retained earnings to average equity (ytd only) | -1.9670% | 6,276 |
| Net charge-offs to loans | 1.2774% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.6429% | 4,522 |
| Efficiency ratio | 118.6090% | 232 |
| Assets per employee ($millions) | 5.3279% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1294% | 9 |
| Loan loss allowance to noncurrent loans | 68.0385% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 11.9133% | 209 |
| Noncurrent loans to loans | 17.8273% | 71 |
| Net loans and leases to total assets | 51.8500% | 5,041 |
| Net loans and leases to deposits | 70.1792% | 3,713 |
| Net loans and leases to core deposits | 78.7256% | 3,230 |
| Total domestic deposits to total assets | 73.8823% | 6,760 |
| Equity capital to assets | 13.9729% | 1,034 |
| Core capital (leverage) ratio | 10.8837% | 2,353 |
| Tier 1 risk-based capital ratio | 14.0913% | 4,406 |
| Total risk-based capital ratio | 15.4422% | 4,297 |
| Memoranda: | ||
| Average total assets | $80,770,000 | 5,449 |
| Average earning assets | $71,614,500 | 5,511 |
| Average equity | $11,184,500 | 4,782 |
| Average total loans | $48,224,500 | 5,295 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 6,212 |
| Cost of funding earning assets | 1.6038% | 473 |
| Net interest margin | 2.5327% | 7,042 |
| Noninterest income to average assets | 0.5300% | 3,651 |
| Noninterest expense to average assets | 3.2823% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2782% | 6,325 |
| Return on assets (ROA) | -0.2782% | 6,384 |
| Pretax return on assets | -0.5191% | 6,505 |
| Return on Equity (ROE) | -2.0498% | 6,341 |
| Retained earnings to average equity (ytd only) | -2.0498% | 6,163 |
| Net charge-offs to loans | 0.7806% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.9977% | 6,193 |
| Efficiency ratio | 118.7881% | 316 |
| Assets per employee ($millions) | 5.4414% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.9170% | 11 |
| Loan loss allowance to noncurrent loans | 68.1201% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 11.6453% | 233 |
| Noncurrent loans to loans | 17.4941% | 80 |
| Net loans and leases to total assets | 53.1934% | 5,138 |
| Net loans and leases to deposits | 71.5201% | 3,870 |
| Net loans and leases to core deposits | 80.0993% | 3,443 |
| Total domestic deposits to total assets | 74.3755% | 6,679 |
| Equity capital to assets | 13.7244% | 1,163 |
| Core capital (leverage) ratio | 11.2466% | 2,086 |
| Tier 1 risk-based capital ratio | 13.8819% | 4,413 |
| Total risk-based capital ratio | 15.2331% | 4,289 |
| Memoranda: | ||
| Average total assets | $83,021,800 | 5,365 |
| Average earning assets | $73,202,000 | 5,434 |
| Average equity | $11,269,400 | 4,725 |
| Average total loans | $55,344,000 | 5,058 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 6,128 |
| Cost of funding earning assets | 1.6643% | 450 |
| Net interest margin | 2.5700% | 7,095 |
| Noninterest income to average assets | 0.4766% | 4,071 |
| Noninterest expense to average assets | 3.3951% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.6461% | 6,724 |
| Return on assets (ROA) | -0.6461% | 6,759 |
| Pretax return on assets | -0.6541% | 6,712 |
| Return on Equity (ROE) | -4.7726% | 6,669 |
| Retained earnings to average equity (ytd only) | -4.7726% | 6,582 |
| Net charge-offs to loans | 2.0190% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.4750% | 5,824 |
| Efficiency ratio | 123.8623% | 267 |
| Assets per employee ($millions) | 5.2022% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4966% | 15 |
| Loan loss allowance to noncurrent loans | 66.7198% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 11.5887% | 247 |
| Noncurrent loans to loans | 15.7324% | 122 |
| Net loans and leases to total assets | 59.4992% | 4,232 |
| Net loans and leases to deposits | 81.2961% | 2,487 |
| Net loans and leases to core deposits | 92.8431% | 1,900 |
| Total domestic deposits to total assets | 73.1883% | 6,837 |
| Equity capital to assets | 14.1671% | 1,091 |
| Core capital (leverage) ratio | 10.5538% | 2,804 |
| Tier 1 risk-based capital ratio | 12.7565% | 5,285 |
| Total risk-based capital ratio | 14.0965% | 5,184 |
| Memoranda: | ||
| Average total assets | $83,372,000 | 5,394 |
| Average earning assets | $73,462,500 | 5,463 |
| Average equity | $11,286,250 | 4,738 |
| Average total loans | $56,857,250 | 5,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 6,041 |
| Cost of funding earning assets | 1.7386% | 406 |
| Net interest margin | 2.5558% | 7,153 |
| Noninterest income to average assets | 0.5473% | 3,491 |
| Noninterest expense to average assets | 3.2812% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4744% | 6,669 |
| Return on assets (ROA) | -0.4744% | 6,694 |
| Pretax return on assets | -0.4862% | 6,648 |
| Return on Equity (ROE) | -3.5553% | 6,625 |
| Retained earnings to average equity (ytd only) | -3.5553% | 6,425 |
| Net charge-offs to loans | -0.5092% | 7,404 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3950% | 369 |
| Assets per employee ($millions) | 4.7506% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8547% | 11 |
| Loan loss allowance to noncurrent loans | 67.5492% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 13.1402% | 205 |
| Noncurrent loans to loans | 17.5497% | 91 |
| Net loans and leases to total assets | 59.4304% | 4,392 |
| Net loans and leases to deposits | 80.7049% | 2,664 |
| Net loans and leases to core deposits | 93.4174% | 1,971 |
| Total domestic deposits to total assets | 73.6392% | 6,876 |
| Equity capital to assets | 13.9549% | 1,109 |
| Core capital (leverage) ratio | 10.7415% | 2,480 |
| Tier 1 risk-based capital ratio | 15.7060% | 3,123 |
| Total risk-based capital ratio | 17.0902% | 3,036 |
| Memoranda: | ||
| Average total assets | $85,151,670 | 5,390 |
| Average earning assets | $74,888,000 | 5,468 |
| Average equity | $11,363,330 | 4,726 |
| Average total loans | $58,518,330 | 5,029 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 6,424 |
| Cost of funding earning assets | 1.6835% | 593 |
| Net interest margin | 2.4545% | 7,225 |
| Noninterest income to average assets | 0.5907% | 3,238 |
| Noninterest expense to average assets | 3.1552% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4213% | 6,752 |
| Return on assets (ROA) | -0.4213% | 6,764 |
| Pretax return on assets | -0.4213% | 6,702 |
| Return on Equity (ROE) | -3.2252% | 6,686 |
| Retained earnings to average equity (ytd only) | -3.2252% | 6,325 |
| Net charge-offs to loans | -0.9116% | 7,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4104% | 404 |
| Assets per employee ($millions) | 4.3964% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8888% | 17 |
| Loan loss allowance to noncurrent loans | 73.3189% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 12.0734% | 264 |
| Noncurrent loans to loans | 14.8513% | 158 |
| Net loans and leases to total assets | 63.1334% | 3,620 |
| Net loans and leases to deposits | 84.5426% | 1,945 |
| Net loans and leases to core deposits | 104.2440% | 1,046 |
| Total domestic deposits to total assets | 74.6765% | 6,837 |
| Equity capital to assets | 13.5997% | 1,151 |
| Core capital (leverage) ratio | 10.2590% | 2,854 |
| Tier 1 risk-based capital ratio | 14.4886% | 3,745 |
| Total risk-based capital ratio | 15.8594% | 3,625 |
| Memoranda: | ||
| Average total assets | $87,347,500 | 5,375 |
| Average earning assets | $76,269,500 | 5,466 |
| Average equity | $11,410,000 | 4,691 |
| Average total loans | $60,552,000 | 4,984 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 3,697 |
| Cost of funding earning assets | 2.0318% | 537 |
| Net interest margin | 3.1495% | 6,392 |
| Noninterest income to average assets | 0.3543% | 5,277 |
| Noninterest expense to average assets | 3.6201% | 1,877 |
| Loan and lease loss provision to assets | 5.2550% | 65 |
| Net operating income to assets | -3.6667% | 7,396 |
| Return on assets (ROA) | -3.6667% | 7,413 |
| Pretax return on assets | -5.7511% | 7,574 |
| Return on Equity (ROE) | -34.7601% | 7,290 |
| Retained earnings to average equity (ytd only) | -34.7601% | 7,278 |
| Net charge-offs to loans | 8.5756% | 27 |
| Credit loss provision to net charge-offs | 78.7709% | 5,597 |
| Earnings coverage of net charge-offs (x) | -0.0744% | 6,196 |
| Efficiency ratio | 115.8782% | 453 |
| Assets per employee ($millions) | 5.0647% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1835% | 22 |
| Loan loss allowance to noncurrent loans | 88.8419% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 9.2613% | 476 |
| Noncurrent loans to loans | 11.4624% | 324 |
| Net loans and leases to total assets | 61.0087% | 4,485 |
| Net loans and leases to deposits | 79.5782% | 3,248 |
| Net loans and leases to core deposits | 94.7028% | 2,173 |
| Total domestic deposits to total assets | 76.6651% | 6,537 |
| Equity capital to assets | 12.5708% | 1,589 |
| Core capital (leverage) ratio | 9.7922% | 3,326 |
| Tier 1 risk-based capital ratio | 12.6541% | 4,892 |
| Total risk-based capital ratio | 14.0039% | 4,784 |
| Memoranda: | ||
| Average total assets | $98,781,400 | 5,020 |
| Average earning assets | $86,870,600 | 5,124 |
| Average equity | $10,420,000 | 5,004 |
| Average total loans | $76,846,000 | 4,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 4,218 |
| Cost of funding earning assets | 2.1512% | 449 |
| Net interest margin | 2.9684% | 6,895 |
| Noninterest income to average assets | 0.3019% | 5,733 |
| Noninterest expense to average assets | 3.4800% | 2,080 |
| Loan and lease loss provision to assets | 6.4437% | 38 |
| Net operating income to assets | -4.4838% | 7,611 |
| Return on assets (ROA) | -4.4838% | 7,622 |
| Pretax return on assets | -7.0051% | 7,710 |
| Return on Equity (ROE) | -44.4345% | 7,523 |
| Retained earnings to average equity (ytd only) | -44.4345% | 7,520 |
| Net charge-offs to loans | 4.9360% | 182 |
| Credit loss provision to net charge-offs | 163.1244% | 2,305 |
| Earnings coverage of net charge-offs (x) | -0.1421% | 6,142 |
| Efficiency ratio | 119.2377% | 404 |
| Assets per employee ($millions) | 5.4428% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3716% | 9 |
| Loan loss allowance to noncurrent loans | 106.2147% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 11.2258% | 317 |
| Noncurrent loans to loans | 12.5893% | 253 |
| Net loans and leases to total assets | 67.1321% | 3,428 |
| Net loans and leases to deposits | 87.9145% | 2,023 |
| Net loans and leases to core deposits | 113.1048% | 881 |
| Total domestic deposits to total assets | 76.3607% | 6,592 |
| Equity capital to assets | 12.6502% | 1,779 |
| Core capital (leverage) ratio | 11.1621% | 2,150 |
| Tier 1 risk-based capital ratio | 14.0349% | 3,807 |
| Total risk-based capital ratio | 15.4324% | 3,670 |
| Memoranda: | ||
| Average total assets | $100,685,750 | 5,025 |
| Average earning assets | $88,754,000 | 5,118 |
| Average equity | $10,160,000 | 5,145 |
| Average total loans | $80,576,500 | 4,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 3,428 |
| Cost of funding earning assets | 2.2426% | 407 |
| Net interest margin | 3.0661% | 6,691 |
| Noninterest income to average assets | 0.4835% | 4,251 |
| Noninterest expense to average assets | 3.2203% | 2,833 |
| Loan and lease loss provision to assets | 4.7464% | 128 |
| Net operating income to assets | -3.1720% | 7,530 |
| Return on assets (ROA) | -3.1720% | 7,534 |
| Pretax return on assets | -4.7754% | 7,668 |
| Return on Equity (ROE) | -34.0073% | 7,477 |
| Retained earnings to average equity (ytd only) | -34.0073% | 7,468 |
| Net charge-offs to loans | 6.7350% | 97 |
| Credit loss provision to net charge-offs | 87.2378% | 4,511 |
| Earnings coverage of net charge-offs (x) | -0.0053% | 5,720 |
| Efficiency ratio | 100.9091% | 772 |
| Assets per employee ($millions) | 5.1067% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5114% | 25 |
| Loan loss allowance to noncurrent loans | 91.6875% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 10.0023% | 407 |
| Noncurrent loans to loans | 10.3737% | 419 |
| Net loans and leases to total assets | 72.0287% | 2,396 |
| Net loans and leases to deposits | 91.4776% | 1,620 |
| Net loans and leases to core deposits | 116.5674% | 824 |
| Total domestic deposits to total assets | 78.7391% | 6,107 |
| Equity capital to assets | 10.8999% | 2,965 |
| Core capital (leverage) ratio | 9.4211% | 3,930 |
| Tier 1 risk-based capital ratio | 11.3205% | 5,924 |
| Total risk-based capital ratio | 12.6678% | 5,823 |
| Memoranda: | ||
| Average total assets | $103,405,000 | 4,981 |
| Average earning assets | $91,320,670 | 5,051 |
| Average equity | $9,645,000 | 5,302 |
| Average total loans | $83,534,000 | 4,335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 2,571 |
| Cost of funding earning assets | 2.2117% | 567 |
| Net interest margin | 3.2899% | 6,009 |
| Noninterest income to average assets | 0.4953% | 4,084 |
| Noninterest expense to average assets | 2.6718% | 5,051 |
| Loan and lease loss provision to assets | 1.1258% | 1,085 |
| Net operating income to assets | -0.1876% | 6,534 |
| Return on assets (ROA) | -0.1876% | 6,607 |
| Pretax return on assets | -0.3940% | 6,713 |
| Return on Equity (ROE) | -2.1788% | 6,656 |
| Retained earnings to average equity (ytd only) | -2.1788% | 6,238 |
| Net charge-offs to loans | 3.2255% | 462 |
| Credit loss provision to net charge-offs | 42.9185% | 4,588 |
| Earnings coverage of net charge-offs (x) | 0.2790% | 4,796 |
| Efficiency ratio | 78.5006% | 2,813 |
| Assets per employee ($millions) | 4.7436% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5925% | 33 |
| Loan loss allowance to noncurrent loans | 149.8667% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 6.9117% | 786 |
| Noncurrent loans to loans | 5.7334% | 1,181 |
| Net loans and leases to total assets | 74.4749% | 1,867 |
| Net loans and leases to deposits | 94.0409% | 1,343 |
| Net loans and leases to core deposits | 120.8346% | 755 |
| Total domestic deposits to total assets | 79.1941% | 6,031 |
| Equity capital to assets | 10.2041% | 3,601 |
| Core capital (leverage) ratio | 10.2975% | 2,812 |
| Tier 1 risk-based capital ratio | 12.0683% | 5,127 |
| Total risk-based capital ratio | 13.4059% | 5,000 |
| Memoranda: | ||
| Average total assets | $106,593,500 | 4,966 |
| Average earning assets | $94,227,000 | 5,041 |
| Average equity | $9,179,500 | 5,488 |
| Average total loans | $86,684,000 | 4,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0335% | 1,737 |
| Cost of funding earning assets | 2.5980% | 786 |
| Net interest margin | 3.4356% | 5,234 |
| Noninterest income to average assets | 0.6630% | 3,201 |
| Noninterest expense to average assets | 2.2530% | 6,865 |
| Loan and lease loss provision to assets | 9.5833% | 18 |
| Net operating income to assets | -4.7885% | 7,713 |
| Return on assets (ROA) | -4.7885% | 7,713 |
| Pretax return on assets | -7.9951% | 7,912 |
| Return on Equity (ROE) | -57.1773% | 7,742 |
| Retained earnings to average equity (ytd only) | -57.1773% | 7,736 |
| Net charge-offs to loans | 4.2552% | 357 |
| Credit loss provision to net charge-offs | 270.7513% | 1,280 |
| Earnings coverage of net charge-offs (x) | 0.4487% | 5,662 |
| Efficiency ratio | 58.6536% | 6,670 |
| Assets per employee ($millions) | 4.9467% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7220% | 29 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 4.7966% | 1,309 |
| Noncurrent loans to loans | 3.4888% | 2,176 |
| Net loans and leases to total assets | 74.0947% | 2,255 |
| Net loans and leases to deposits | 89.4235% | 2,316 |
| Net loans and leases to core deposits | 118.7853% | 2,057 |
| Total domestic deposits to total assets | 82.8581% | 4,580 |
| Equity capital to assets | 7.0846% | 7,335 |
| Core capital (leverage) ratio | 7.0339% | 7,208 |
| Tier 1 risk-based capital ratio | 8.5242% | 7,582 |
| Total risk-based capital ratio | 9.8393% | 7,602 |
| Memoranda: | ||
| Average total assets | $109,054,000 | 4,850 |
| Average earning assets | $100,886,200 | 4,820 |
| Average equity | $9,133,000 | 5,569 |
| Average total loans | $90,711,800 | 4,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1160% | 1,590 |
| Cost of funding earning assets | 2.6237% | 976 |
| Net interest margin | 3.4922% | 4,895 |
| Noninterest income to average assets | 0.6672% | 3,239 |
| Noninterest expense to average assets | 2.2765% | 6,765 |
| Loan and lease loss provision to assets | 4.5311% | 217 |
| Net operating income to assets | -1.6961% | 7,190 |
| Return on assets (ROA) | -1.6961% | 7,187 |
| Pretax return on assets | -2.8680% | 7,464 |
| Return on Equity (ROE) | -19.5033% | 7,356 |
| Retained earnings to average equity (ytd only) | -19.5033% | 7,321 |
| Net charge-offs to loans | 1.2442% | 1,641 |
| Credit loss provision to net charge-offs | 435.2113% | 914 |
| Earnings coverage of net charge-offs (x) | 1.5974% | 4,604 |
| Efficiency ratio | 57.7854% | 6,750 |
| Assets per employee ($millions) | 5.2664% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2645% | 246 |
| Loan loss allowance to noncurrent loans | 126.6348% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 3.3537% | 2,004 |
| Noncurrent loans to loans | 3.3676% | 2,241 |
| Net loans and leases to total assets | 80.5867% | 1,068 |
| Net loans and leases to deposits | 100.1315% | 1,087 |
| Net loans and leases to core deposits | 133.3772% | 1,247 |
| Total domestic deposits to total assets | 80.4809% | 5,259 |
| Equity capital to assets | 9.5412% | 4,694 |
| Core capital (leverage) ratio | 9.6653% | 3,698 |
| Tier 1 risk-based capital ratio | 10.5586% | 6,407 |
| Total risk-based capital ratio | 11.7388% | 6,434 |
| Memoranda: | ||
| Average total assets | $109,110,750 | 4,880 |
| Average earning assets | $102,243,500 | 4,816 |
| Average equity | $9,488,750 | 5,490 |
| Average total loans | $91,304,750 | 4,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 1,509 |
| Cost of funding earning assets | 2.6967% | 1,034 |
| Net interest margin | 3.4877% | 4,853 |
| Noninterest income to average assets | 0.7457% | 2,723 |
| Noninterest expense to average assets | 2.1765% | 7,108 |
| Loan and lease loss provision to assets | 0.6334% | 2,528 |
| Net operating income to assets | 0.7807% | 2,930 |
| Return on assets (ROA) | 0.7807% | 3,023 |
| Pretax return on assets | 1.2079% | 2,279 |
| Return on Equity (ROE) | 9.2837% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.2837% | 869 |
| Net charge-offs to loans | 0.1389% | 4,784 |
| Credit loss provision to net charge-offs | 546.0317% | 850 |
| Earnings coverage of net charge-offs (x) | 15.8730% | 1,569 |
| Efficiency ratio | 54.1705% | 7,310 |
| Assets per employee ($millions) | 5.0891% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,089 |
| Loan loss allowance to noncurrent loans | 40.0632% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.5407% | 1,757 |
| Noncurrent loans to loans | 3.7939% | 1,806 |
| Net loans and leases to total assets | 84.5713% | 549 |
| Net loans and leases to deposits | 106.9571% | 709 |
| Net loans and leases to core deposits | 174.4273% | 272 |
| Total domestic deposits to total assets | 79.0703% | 5,792 |
| Equity capital to assets | 8.7478% | 5,689 |
| Core capital (leverage) ratio | 8.4502% | 5,526 |
| Tier 1 risk-based capital ratio | 9.4480% | 7,438 |
| Total risk-based capital ratio | 10.5873% | 7,503 |
| Memoranda: | ||
| Average total assets | $108,616,330 | 4,923 |
| Average earning assets | $101,901,000 | 4,845 |
| Average equity | $9,134,330 | 5,637 |
| Average total loans | $90,708,330 | 4,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2585% | 1,414 |
| Cost of funding earning assets | 2.7620% | 1,081 |
| Net interest margin | 3.4965% | 4,751 |
| Noninterest income to average assets | 0.6357% | 3,304 |
| Noninterest expense to average assets | 2.1007% | 7,113 |
| Loan and lease loss provision to assets | 0.4347% | 2,757 |
| Net operating income to assets | 0.8841% | 2,771 |
| Return on assets (ROA) | 0.8841% | 2,917 |
| Pretax return on assets | 1.3700% | 2,055 |
| Return on Equity (ROE) | 10.7234% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.7234% | 1,027 |
| Net charge-offs to loans | 0.2617% | 3,091 |
| Credit loss provision to net charge-offs | 201.6949% | 2,199 |
| Earnings coverage of net charge-offs (x) | 8.3729% | 2,198 |
| Efficiency ratio | 53.7886% | 7,239 |
| Assets per employee ($millions) | 5.2679% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,132 |
| Loan loss allowance to noncurrent loans | 42.3521% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 2.6866% | 2,119 |
| Noncurrent loans to loans | 3.0448% | 2,142 |
| Net loans and leases to total assets | 81.2348% | 1,146 |
| Net loans and leases to deposits | 100.9606% | 1,284 |
| Net loans and leases to core deposits | 159.7163% | 495 |
| Total domestic deposits to total assets | 80.4619% | 5,187 |
| Equity capital to assets | 8.2829% | 6,417 |
| Core capital (leverage) ratio | 8.2900% | 5,922 |
| Tier 1 risk-based capital ratio | 9.7102% | 7,247 |
| Total risk-based capital ratio | 10.9621% | 7,153 |
| Memoranda: | ||
| Average total assets | $109,488,500 | 4,921 |
| Average earning assets | $102,389,500 | 4,850 |
| Average equity | $9,027,000 | 5,696 |
| Average total loans | $90,173,500 | 4,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8709% | 1,488 |
| Cost of funding earning assets | 3.3917% | 725 |
| Net interest margin | 3.4792% | 5,365 |
| Noninterest income to average assets | 0.6043% | 3,814 |
| Noninterest expense to average assets | 2.0381% | 7,373 |
| Loan and lease loss provision to assets | 0.3936% | 3,334 |
| Net operating income to assets | 0.9530% | 2,776 |
| Return on assets (ROA) | 0.9517% | 2,644 |
| Pretax return on assets | 1.4251% | 1,890 |
| Return on Equity (ROE) | 11.6099% | 1,710 |
| Retained earnings to average equity (ytd only) | 9.7903% | 479 |
| Net charge-offs to loans | 0.3794% | 2,940 |
| Credit loss provision to net charge-offs | 126.6254% | 4,217 |
| Earnings coverage of net charge-offs (x) | 5.8576% | 3,507 |
| Efficiency ratio | 52.8180% | 7,403 |
| Assets per employee ($millions) | 5.4176% | 1,523 |
| Cash dividends to net income (ytd only)* | 15.6724% | 4,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,170 |
| Loan loss allowance to noncurrent loans | 35.4890% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 3.1028% | 1,476 |
| Noncurrent loans to loans | 3.5148% | 1,439 |
| Net loans and leases to total assets | 81.3949% | 1,340 |
| Net loans and leases to deposits | 101.2165% | 1,675 |
| Net loans and leases to core deposits | 155.8648% | 671 |
| Total domestic deposits to total assets | 80.4166% | 4,864 |
| Equity capital to assets | 8.2057% | 6,540 |
| Core capital (leverage) ratio | 8.5093% | 5,568 |
| Tier 1 risk-based capital ratio | 9.6524% | 7,143 |
| Total risk-based capital ratio | 10.8579% | 7,092 |
| Memoranda: | ||
| Average total assets | $103,920,200 | 4,935 |
| Average earning assets | $97,206,800 | 4,884 |
| Average equity | $8,518,600 | 5,901 |
| Average total loans | $85,128,600 | 4,360 |