Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 420 |
| Cost of funding earning assets | 0.4593% | 2,484 |
| Net interest margin | 4.7489% | 398 |
| Noninterest income to average assets | 0.1272% | 5,682 |
| Noninterest expense to average assets | 5.2403% | 238 |
| Loan and lease loss provision to assets | 0.1060% | 2,090 |
| Net operating income to assets | -0.7562% | 5,957 |
| Return on assets (ROA) | -0.7562% | 5,961 |
| Pretax return on assets | -1.2367% | 5,981 |
| Return on Equity (ROE) | -10.6733% | 5,985 |
| Retained earnings to average equity (ytd only) | -10.6733% | 5,891 |
| Net charge-offs to loans | 0.0703% | 2,182 |
| Credit loss provision to net charge-offs | 214.2857% | 1,243 |
| Earnings coverage of net charge-offs (x) | -22.8571% | 3,664 |
| Efficiency ratio | 127.5150% | 70 |
| Assets per employee ($millions) | 2.6594% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,466 |
| Loan loss allowance to noncurrent loans | 485.8407% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 3.8855% | 241 |
| Noncurrent loans to loans | 0.2810% | 4,366 |
| Net loans and leases to total assets | 71.0249% | 2,324 |
| Net loans and leases to deposits | 76.6167% | 3,315 |
| Net loans and leases to core deposits | 79.4560% | 3,511 |
| Total domestic deposits to total assets | 92.7016% | 40 |
| Equity capital to assets | 6.9671% | 5,963 |
| Core capital (leverage) ratio | 6.4597% | 5,977 |
| Tier 1 risk-based capital ratio | 8.4805% | 6,011 |
| Total risk-based capital ratio | 9.7316% | 6,010 |
| Memoranda: | ||
| Average total assets | $56,600,330 | 5,323 |
| Average earning assets | $47,463,670 | 5,406 |
| Average equity | $4,010,000 | 5,766 |
| Average total loans | $39,803,000 | 4,977 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 462 |
| Cost of funding earning assets | 0.4642% | 2,427 |
| Net interest margin | 4.6762% | 440 |
| Noninterest income to average assets | 0.5687% | 2,689 |
| Noninterest expense to average assets | 5.1460% | 255 |
| Loan and lease loss provision to assets | 0.1053% | 1,946 |
| Net operating income to assets | -0.4774% | 5,958 |
| Return on assets (ROA) | -0.4774% | 5,966 |
| Pretax return on assets | -0.7933% | 6,003 |
| Return on Equity (ROE) | -6.6839% | 5,998 |
| Retained earnings to average equity (ytd only) | -6.6839% | 5,703 |
| Net charge-offs to loans | 0.1414% | 1,260 |
| Credit loss provision to net charge-offs | 107.1429% | 1,539 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 3,051 |
| Efficiency ratio | 115.4331% | 128 |
| Assets per employee ($millions) | 2.5123% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,756 |
| Loan loss allowance to noncurrent loans | 936.8421% | 611 |
| Noncurrent assets plus other real estate owned to assets | 4.5087% | 200 |
| Noncurrent loans to loans | 0.1421% | 4,909 |
| Net loans and leases to total assets | 71.6162% | 2,097 |
| Net loans and leases to deposits | 77.5119% | 3,052 |
| Net loans and leases to core deposits | 80.8311% | 3,250 |
| Total domestic deposits to total assets | 92.3938% | 73 |
| Equity capital to assets | 7.3022% | 5,981 |
| Core capital (leverage) ratio | 6.6230% | 6,023 |
| Tier 1 risk-based capital ratio | 8.7826% | 6,063 |
| Total risk-based capital ratio | 10.0197% | 6,064 |
| Memoranda: | ||
| Average total assets | $56,976,500 | 5,366 |
| Average earning assets | $47,389,000 | 5,464 |
| Average equity | $4,069,500 | 5,801 |
| Average total loans | $39,597,000 | 5,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 761 |
| Cost of funding earning assets | 0.4864% | 2,301 |
| Net interest margin | 4.4173% | 765 |
| Noninterest income to average assets | 0.2045% | 5,373 |
| Noninterest expense to average assets | 5.1428% | 254 |
| Loan and lease loss provision to assets | 0.3238% | 503 |
| Net operating income to assets | -0.8258% | 6,089 |
| Return on assets (ROA) | -0.8248% | 6,089 |
| Pretax return on assets | -1.6853% | 6,124 |
| Return on Equity (ROE) | -12.2830% | 6,115 |
| Retained earnings to average equity (ytd only) | -12.2830% | 6,064 |
| Net charge-offs to loans | 0.4709% | 580 |
| Credit loss provision to net charge-offs | 104.9724% | 2,392 |
| Earnings coverage of net charge-offs (x) | -4.4199% | 4,392 |
| Efficiency ratio | 136.0685% | 53 |
| Assets per employee ($millions) | 2.6674% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,590 |
| Loan loss allowance to noncurrent loans | 203.4351% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 5.5537% | 152 |
| Noncurrent loans to loans | 0.6705% | 3,181 |
| Net loans and leases to total assets | 65.6828% | 3,029 |
| Net loans and leases to deposits | 70.8269% | 3,827 |
| Net loans and leases to core deposits | 73.6542% | 3,972 |
| Total domestic deposits to total assets | 92.7371% | 53 |
| Equity capital to assets | 6.9919% | 6,059 |
| Core capital (leverage) ratio | 6.7042% | 6,078 |
| Tier 1 risk-based capital ratio | 8.6932% | 6,119 |
| Total risk-based capital ratio | 9.8939% | 6,119 |
| Memoranda: | ||
| Average total assets | $58,684,200 | 5,348 |
| Average earning assets | $47,495,600 | 5,495 |
| Average equity | $3,940,400 | 5,861 |
| Average total loans | $38,439,600 | 5,070 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 792 |
| Cost of funding earning assets | 0.4869% | 2,346 |
| Net interest margin | 4.3993% | 796 |
| Noninterest income to average assets | 0.1909% | 5,514 |
| Noninterest expense to average assets | 5.0983% | 266 |
| Loan and lease loss provision to assets | 0.3635% | 361 |
| Net operating income to assets | -1.0625% | 6,196 |
| Return on assets (ROA) | -1.0610% | 6,195 |
| Pretax return on assets | -1.7176% | 6,217 |
| Return on Equity (ROE) | -15.9664% | 6,214 |
| Retained earnings to average equity (ytd only) | -15.9664% | 6,183 |
| Net charge-offs to loans | 0.4667% | 537 |
| Credit loss provision to net charge-offs | 119.4030% | 1,995 |
| Earnings coverage of net charge-offs (x) | -4.4553% | 4,123 |
| Efficiency ratio | 136.2477% | 59 |
| Assets per employee ($millions) | 2.5415% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,398 |
| Loan loss allowance to noncurrent loans | 352.5641% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 6.9456% | 112 |
| Noncurrent loans to loans | 0.4092% | 4,141 |
| Net loans and leases to total assets | 64.2830% | 3,262 |
| Net loans and leases to deposits | 68.8243% | 4,111 |
| Net loans and leases to core deposits | 71.5624% | 4,228 |
| Total domestic deposits to total assets | 93.4016% | 34 |
| Equity capital to assets | 6.2802% | 6,191 |
| Core capital (leverage) ratio | 5.3460% | 6,221 |
| Tier 1 risk-based capital ratio | 7.0618% | 6,231 |
| Total risk-based capital ratio | 8.3221% | 6,231 |
| Memoranda: | ||
| Average total assets | $58,684,750 | 5,418 |
| Average earning assets | $47,369,750 | 5,562 |
| Average equity | $3,899,750 | 5,948 |
| Average total loans | $38,280,250 | 5,132 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 821 |
| Cost of funding earning assets | 0.4809% | 2,423 |
| Net interest margin | 4.3577% | 824 |
| Noninterest income to average assets | 0.0306% | 6,215 |
| Noninterest expense to average assets | 5.0679% | 278 |
| Loan and lease loss provision to assets | 0.4084% | 276 |
| Net operating income to assets | -1.1947% | 6,274 |
| Return on assets (ROA) | -1.1947% | 6,275 |
| Pretax return on assets | -1.9298% | 6,300 |
| Return on Equity (ROE) | -17.6559% | 6,289 |
| Retained earnings to average equity (ytd only) | -17.6559% | 6,251 |
| Net charge-offs to loans | 0.5896% | 407 |
| Credit loss provision to net charge-offs | 106.1947% | 1,971 |
| Earnings coverage of net charge-offs (x) | -3.9558% | 3,816 |
| Efficiency ratio | 142.8983% | 50 |
| Assets per employee ($millions) | 2.6233% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 2,698 |
| Loan loss allowance to noncurrent loans | 120.9567% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 7.2065% | 119 |
| Noncurrent loans to loans | 1.1676% | 2,314 |
| Net loans and leases to total assets | 64.2275% | 3,238 |
| Net loans and leases to deposits | 68.9349% | 4,039 |
| Net loans and leases to core deposits | 71.9105% | 4,147 |
| Total domestic deposits to total assets | 93.1713% | 50 |
| Equity capital to assets | 6.5602% | 6,240 |
| Core capital (leverage) ratio | 5.5591% | 6,282 |
| Tier 1 risk-based capital ratio | 7.4484% | 6,297 |
| Total risk-based capital ratio | 8.6828% | 6,298 |
| Memoranda: | ||
| Average total assets | $58,761,670 | 5,470 |
| Average earning assets | $47,410,670 | 5,624 |
| Average equity | $3,976,000 | 5,995 |
| Average total loans | $38,331,670 | 5,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 903 |
| Cost of funding earning assets | 0.4839% | 2,428 |
| Net interest margin | 4.2883% | 898 |
| Noninterest income to average assets | 0.1080% | 6,047 |
| Noninterest expense to average assets | 4.5474% | 418 |
| Loan and lease loss provision to assets | 0.4048% | 280 |
| Net operating income to assets | -0.8434% | 6,304 |
| Return on assets (ROA) | -0.8434% | 6,309 |
| Pretax return on assets | -1.3764% | 6,338 |
| Return on Equity (ROE) | -12.2820% | 6,330 |
| Retained earnings to average equity (ytd only) | -12.2820% | 6,181 |
| Net charge-offs to loans | 0.0724% | 1,995 |
| Credit loss provision to net charge-offs | 857.1429% | 367 |
| Earnings coverage of net charge-offs (x) | -20.5714% | 3,261 |
| Efficiency ratio | 127.1698% | 93 |
| Assets per employee ($millions) | 2.5518% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 2,375 |
| Loan loss allowance to noncurrent loans | 36.0851% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 9.0711% | 79 |
| Noncurrent loans to loans | 4.2081% | 391 |
| Net loans and leases to total assets | 63.7583% | 3,121 |
| Net loans and leases to deposits | 68.6473% | 3,900 |
| Net loans and leases to core deposits | 71.5644% | 4,005 |
| Total domestic deposits to total assets | 92.8781% | 67 |
| Equity capital to assets | 6.8374% | 6,275 |
| Core capital (leverage) ratio | 5.8399% | 6,335 |
| Tier 1 risk-based capital ratio | 7.7610% | 6,358 |
| Total risk-based capital ratio | 9.0113% | 6,355 |
| Memoranda: | ||
| Average total assets | $59,286,500 | 5,514 |
| Average earning assets | $47,944,500 | 5,661 |
| Average equity | $4,071,000 | 6,041 |
| Average total loans | $38,698,500 | 5,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,141 |
| Cost of funding earning assets | 0.5630% | 2,118 |
| Net interest margin | 4.2237% | 1,233 |
| Noninterest income to average assets | -0.1699% | 6,472 |
| Noninterest expense to average assets | 5.0891% | 292 |
| Loan and lease loss provision to assets | 0.5757% | 248 |
| Net operating income to assets | -1.7222% | 6,445 |
| Return on assets (ROA) | -1.7222% | 6,447 |
| Pretax return on assets | -2.4563% | 6,462 |
| Return on Equity (ROE) | -25.9263% | 6,460 |
| Retained earnings to average equity (ytd only) | -25.9263% | 6,451 |
| Net charge-offs to loans | 2.4808% | 60 |
| Credit loss provision to net charge-offs | 34.4862% | 3,777 |
| Earnings coverage of net charge-offs (x) | -1.1265% | 4,805 |
| Efficiency ratio | 158.6118% | 42 |
| Assets per employee ($millions) | 2.6035% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 3,267 |
| Loan loss allowance to noncurrent loans | 31.2836% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 8.5369% | 105 |
| Noncurrent loans to loans | 4.2514% | 408 |
| Net loans and leases to total assets | 64.9204% | 3,064 |
| Net loans and leases to deposits | 69.9065% | 3,922 |
| Net loans and leases to core deposits | 72.6093% | 4,068 |
| Total domestic deposits to total assets | 92.8675% | 73 |
| Equity capital to assets | 6.8953% | 6,340 |
| Core capital (leverage) ratio | 5.8483% | 6,413 |
| Tier 1 risk-based capital ratio | 8.0329% | 6,442 |
| Total risk-based capital ratio | 9.2173% | 6,445 |
| Memoranda: | ||
| Average total assets | $60,620,000 | 5,535 |
| Average earning assets | $48,488,200 | 5,709 |
| Average equity | $4,026,800 | 6,087 |
| Average total loans | $40,794,000 | 5,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 1,321 |
| Cost of funding earning assets | 0.5752% | 2,060 |
| Net interest margin | 4.1199% | 1,517 |
| Noninterest income to average assets | -0.0417% | 6,506 |
| Noninterest expense to average assets | 4.8723% | 340 |
| Loan and lease loss provision to assets | 0.4780% | 318 |
| Net operating income to assets | -1.2981% | 6,493 |
| Return on assets (ROA) | -1.2981% | 6,487 |
| Pretax return on assets | -2.1094% | 6,526 |
| Return on Equity (ROE) | -19.7266% | 6,507 |
| Retained earnings to average equity (ytd only) | -19.7266% | 6,486 |
| Net charge-offs to loans | 1.3740% | 184 |
| Credit loss provision to net charge-offs | 51.4151% | 3,080 |
| Earnings coverage of net charge-offs (x) | -1.7547% | 4,551 |
| Efficiency ratio | 150.3383% | 56 |
| Assets per employee ($millions) | 2.6750% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 816 |
| Loan loss allowance to noncurrent loans | 26.9802% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 13.9897% | 44 |
| Noncurrent loans to loans | 8.5549% | 110 |
| Net loans and leases to total assets | 67.4875% | 2,614 |
| Net loans and leases to deposits | 72.4612% | 3,638 |
| Net loans and leases to core deposits | 75.1647% | 3,840 |
| Total domestic deposits to total assets | 93.1360% | 71 |
| Equity capital to assets | 6.4788% | 6,448 |
| Core capital (leverage) ratio | 5.1419% | 6,524 |
| Tier 1 risk-based capital ratio | 6.5346% | 6,546 |
| Total risk-based capital ratio | 7.7952% | 6,544 |
| Memoranda: | ||
| Average total assets | $60,804,750 | 5,589 |
| Average earning assets | $48,446,250 | 5,778 |
| Average equity | $4,001,250 | 6,157 |
| Average total loans | $41,142,750 | 5,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,743 |
| Cost of funding earning assets | 0.5764% | 2,104 |
| Net interest margin | 3.9516% | 1,961 |
| Noninterest income to average assets | -0.2345% | 6,631 |
| Noninterest expense to average assets | 4.8048% | 353 |
| Loan and lease loss provision to assets | 0.4128% | 405 |
| Net operating income to assets | -1.4200% | 6,568 |
| Return on assets (ROA) | -1.4200% | 6,565 |
| Pretax return on assets | -2.3050% | 6,601 |
| Return on Equity (ROE) | -21.4660% | 6,579 |
| Retained earnings to average equity (ytd only) | -21.4660% | 6,540 |
| Net charge-offs to loans | 1.3959% | 206 |
| Credit loss provision to net charge-offs | 44.0141% | 2,875 |
| Earnings coverage of net charge-offs (x) | -2.0176% | 4,242 |
| Efficiency ratio | 164.9660% | 42 |
| Assets per employee ($millions) | 2.7287% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4356% | 778 |
| Loan loss allowance to noncurrent loans | 23.5834% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 14.9281% | 38 |
| Noncurrent loans to loans | 10.3274% | 75 |
| Net loans and leases to total assets | 65.6140% | 2,817 |
| Net loans and leases to deposits | 70.2203% | 3,801 |
| Net loans and leases to core deposits | 73.1660% | 3,936 |
| Total domestic deposits to total assets | 93.4402% | 66 |
| Equity capital to assets | 6.2109% | 6,515 |
| Core capital (leverage) ratio | 5.1223% | 6,581 |
| Tier 1 risk-based capital ratio | 6.4059% | 6,606 |
| Total risk-based capital ratio | 7.6678% | 6,605 |
| Memoranda: | ||
| Average total assets | $60,565,000 | 5,641 |
| Average earning assets | $48,234,000 | 5,834 |
| Average equity | $4,006,330 | 6,201 |
| Average total loans | $40,689,670 | 5,241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 1,643 |
| Cost of funding earning assets | 0.5846% | 2,122 |
| Net interest margin | 3.9648% | 1,875 |
| Noninterest income to average assets | -0.8475% | 6,722 |
| Noninterest expense to average assets | 4.8834% | 336 |
| Loan and lease loss provision to assets | 0.4372% | 368 |
| Net operating income to assets | -1.8699% | 6,657 |
| Return on assets (ROA) | -1.8699% | 6,653 |
| Pretax return on assets | -3.0202% | 6,689 |
| Return on Equity (ROE) | -27.3858% | 6,658 |
| Retained earnings to average equity (ytd only) | -27.3858% | 6,608 |
| Net charge-offs to loans | 2.7247% | 80 |
| Credit loss provision to net charge-offs | 23.8971% | 2,464 |
| Earnings coverage of net charge-offs (x) | -1.4118% | 3,520 |
| Efficiency ratio | 212.2807% | 24 |
| Assets per employee ($millions) | 2.7069% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 848 |
| Loan loss allowance to noncurrent loans | 21.8166% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 15.8805% | 37 |
| Noncurrent loans to loans | 11.2822% | 79 |
| Net loans and leases to total assets | 65.2130% | 2,690 |
| Net loans and leases to deposits | 70.0765% | 3,593 |
| Net loans and leases to core deposits | 73.1935% | 3,740 |
| Total domestic deposits to total assets | 93.0597% | 110 |
| Equity capital to assets | 6.5759% | 6,516 |
| Core capital (leverage) ratio | 5.2946% | 6,635 |
| Tier 1 risk-based capital ratio | 6.8069% | 6,661 |
| Total risk-based capital ratio | 8.0687% | 6,661 |
| Memoranda: | ||
| Average total assets | $59,467,000 | 5,727 |
| Average earning assets | $47,215,000 | 5,916 |
| Average equity | $4,060,500 | 6,237 |
| Average total loans | $39,930,500 | 5,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 2,490 |
| Cost of funding earning assets | 0.7247% | 1,650 |
| Net interest margin | 3.7002% | 3,055 |
| Noninterest income to average assets | 0.0633% | 6,510 |
| Noninterest expense to average assets | 4.9672% | 357 |
| Loan and lease loss provision to assets | 0.3474% | 913 |
| Net operating income to assets | -1.6923% | 6,691 |
| Return on assets (ROA) | -1.6923% | 6,686 |
| Pretax return on assets | -2.2790% | 6,724 |
| Return on Equity (ROE) | -25.2093% | 6,705 |
| Retained earnings to average equity (ytd only) | -25.2093% | 6,697 |
| Net charge-offs to loans | 0.1226% | 3,581 |
| Credit loss provision to net charge-offs | 441.1765% | 517 |
| Earnings coverage of net charge-offs (x) | -24.5294% | 5,448 |
| Efficiency ratio | 148.3723% | 65 |
| Assets per employee ($millions) | 2.6992% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9641% | 494 |
| Loan loss allowance to noncurrent loans | 22.2953% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 16.1073% | 39 |
| Noncurrent loans to loans | 13.2947% | 54 |
| Net loans and leases to total assets | 65.4379% | 2,784 |
| Net loans and leases to deposits | 70.6553% | 3,708 |
| Net loans and leases to core deposits | 75.3315% | 3,691 |
| Total domestic deposits to total assets | 92.6157% | 177 |
| Equity capital to assets | 7.0812% | 6,437 |
| Core capital (leverage) ratio | 5.3256% | 6,699 |
| Tier 1 risk-based capital ratio | 7.3673% | 6,719 |
| Total risk-based capital ratio | 8.6335% | 6,718 |
| Memoranda: | ||
| Average total assets | $64,765,200 | 5,629 |
| Average earning assets | $52,024,000 | 5,836 |
| Average equity | $4,347,600 | 6,251 |
| Average total loans | $41,597,200 | 5,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 2,084 |
| Cost of funding earning assets | 0.7477% | 1,619 |
| Net interest margin | 3.7911% | 2,672 |
| Noninterest income to average assets | 0.0847% | 6,527 |
| Noninterest expense to average assets | 4.4207% | 564 |
| Loan and lease loss provision to assets | 0.4538% | 626 |
| Net operating income to assets | -1.0669% | 6,715 |
| Return on assets (ROA) | -1.0669% | 6,712 |
| Pretax return on assets | -1.7425% | 6,781 |
| Return on Equity (ROE) | -16.0913% | 6,742 |
| Retained earnings to average equity (ytd only) | -16.0913% | 6,719 |
| Net charge-offs to loans | 0.1683% | 2,874 |
| Credit loss provision to net charge-offs | 424.5283% | 627 |
| Earnings coverage of net charge-offs (x) | -12.0575% | 5,172 |
| Efficiency ratio | 141.1462% | 96 |
| Assets per employee ($millions) | 2.7218% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0489% | 522 |
| Loan loss allowance to noncurrent loans | 30.4862% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 13.5218% | 66 |
| Noncurrent loans to loans | 10.0008% | 132 |
| Net loans and leases to total assets | 57.6848% | 4,061 |
| Net loans and leases to deposits | 61.9923% | 4,765 |
| Net loans and leases to core deposits | 65.7810% | 4,739 |
| Total domestic deposits to total assets | 93.0516% | 122 |
| Equity capital to assets | 6.5351% | 6,639 |
| Core capital (leverage) ratio | 5.0344% | 6,785 |
| Tier 1 risk-based capital ratio | 7.2986% | 6,791 |
| Total risk-based capital ratio | 8.5673% | 6,792 |
| Memoranda: | ||
| Average total assets | $66,110,750 | 5,647 |
| Average earning assets | $53,140,500 | 5,862 |
| Average equity | $4,383,250 | 6,312 |
| Average total loans | $41,985,000 | 5,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 2,237 |
| Cost of funding earning assets | 0.7808% | 1,520 |
| Net interest margin | 3.7088% | 2,926 |
| Noninterest income to average assets | 0.3134% | 5,194 |
| Noninterest expense to average assets | 4.3512% | 596 |
| Loan and lease loss provision to assets | 0.4520% | 640 |
| Net operating income to assets | -0.9221% | 6,736 |
| Return on assets (ROA) | -0.9221% | 6,743 |
| Pretax return on assets | -1.5127% | 6,807 |
| Return on Equity (ROE) | -13.8420% | 6,786 |
| Retained earnings to average equity (ytd only) | -13.8420% | 6,740 |
| Net charge-offs to loans | 0.2464% | 2,249 |
| Credit loss provision to net charge-offs | 283.0189% | 907 |
| Earnings coverage of net charge-offs (x) | -6.6415% | 4,841 |
| Efficiency ratio | 132.2344% | 115 |
| Assets per employee ($millions) | 2.6146% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6147% | 871 |
| Loan loss allowance to noncurrent loans | 24.1935% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 14.8400% | 64 |
| Noncurrent loans to loans | 10.8075% | 128 |
| Net loans and leases to total assets | 63.2489% | 3,057 |
| Net loans and leases to deposits | 68.1256% | 3,993 |
| Net loans and leases to core deposits | 72.8725% | 3,951 |
| Total domestic deposits to total assets | 92.8416% | 139 |
| Equity capital to assets | 6.7116% | 6,652 |
| Core capital (leverage) ratio | 5.1193% | 6,820 |
| Tier 1 risk-based capital ratio | 7.0462% | 6,843 |
| Total risk-based capital ratio | 8.3090% | 6,843 |
| Memoranda: | ||
| Average total assets | $66,373,000 | 5,677 |
| Average earning assets | $53,278,000 | 5,885 |
| Average equity | $4,421,330 | 6,351 |
| Average total loans | $43,024,330 | 5,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 2,359 |
| Cost of funding earning assets | 0.8208% | 1,413 |
| Net interest margin | 3.6265% | 3,155 |
| Noninterest income to average assets | 0.6041% | 3,113 |
| Noninterest expense to average assets | 4.1090% | 788 |
| Loan and lease loss provision to assets | 0.4486% | 634 |
| Net operating income to assets | -0.6280% | 6,719 |
| Return on assets (ROA) | -0.6280% | 6,736 |
| Pretax return on assets | -1.0467% | 6,812 |
| Return on Equity (ROE) | -9.4627% | 6,793 |
| Retained earnings to average equity (ytd only) | -9.4627% | 6,590 |
| Net charge-offs to loans | 0.3787% | 1,505 |
| Credit loss provision to net charge-offs | 182.9268% | 1,173 |
| Earnings coverage of net charge-offs (x) | -2.4390% | 4,036 |
| Efficiency ratio | 117.0358% | 240 |
| Assets per employee ($millions) | 3.1916% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 1,181 |
| Loan loss allowance to noncurrent loans | 22.4775% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 14.5396% | 83 |
| Noncurrent loans to loans | 10.8979% | 173 |
| Net loans and leases to total assets | 62.2091% | 3,023 |
| Net loans and leases to deposits | 66.9058% | 3,925 |
| Net loans and leases to core deposits | 71.8037% | 3,846 |
| Total domestic deposits to total assets | 92.9801% | 128 |
| Equity capital to assets | 6.6364% | 6,772 |
| Core capital (leverage) ratio | 5.2653% | 6,860 |
| Tier 1 risk-based capital ratio | 7.1365% | 6,892 |
| Total risk-based capital ratio | 8.3982% | 6,893 |
| Memoranda: | ||
| Average total assets | $66,877,500 | 5,710 |
| Average earning assets | $53,605,000 | 5,914 |
| Average equity | $4,438,500 | 6,408 |
| Average total loans | $43,310,500 | 5,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 3,052 |
| Cost of funding earning assets | 0.9874% | 1,422 |
| Net interest margin | 3.6000% | 4,084 |
| Noninterest income to average assets | -0.3979% | 7,017 |
| Noninterest expense to average assets | 4.3578% | 645 |
| Loan and lease loss provision to assets | 0.4372% | 1,454 |
| Net operating income to assets | -1.5230% | 6,865 |
| Return on assets (ROA) | -1.5230% | 6,874 |
| Pretax return on assets | -2.3713% | 6,967 |
| Return on Equity (ROE) | -22.0940% | 6,904 |
| Retained earnings to average equity (ytd only) | -22.0940% | 6,875 |
| Net charge-offs to loans | 1.6906% | 490 |
| Credit loss provision to net charge-offs | 40.8163% | 4,921 |
| Earnings coverage of net charge-offs (x) | -1.8054% | 5,824 |
| Efficiency ratio | 173.7823% | 62 |
| Assets per employee ($millions) | 3.0332% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3086% | 1,351 |
| Loan loss allowance to noncurrent loans | 21.3758% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 14.7338% | 86 |
| Noncurrent loans to loans | 10.8002% | 196 |
| Net loans and leases to total assets | 64.2370% | 2,866 |
| Net loans and leases to deposits | 69.0563% | 3,826 |
| Net loans and leases to core deposits | 74.1331% | 3,766 |
| Total domestic deposits to total assets | 93.0212% | 129 |
| Equity capital to assets | 6.6371% | 6,829 |
| Core capital (leverage) ratio | 5.1451% | 6,924 |
| Tier 1 risk-based capital ratio | 6.8798% | 6,960 |
| Total risk-based capital ratio | 8.1387% | 6,960 |
| Memoranda: | ||
| Average total assets | $68,613,200 | 5,664 |
| Average earning assets | $53,778,000 | 5,935 |
| Average equity | $4,729,800 | 6,373 |
| Average total loans | $43,475,600 | 5,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 3,044 |
| Cost of funding earning assets | 1.0108% | 1,494 |
| Net interest margin | 3.6330% | 4,085 |
| Noninterest income to average assets | -0.0772% | 7,007 |
| Noninterest expense to average assets | 4.0935% | 832 |
| Loan and lease loss provision to assets | 0.4342% | 1,457 |
| Net operating income to assets | -1.0788% | 6,881 |
| Return on assets (ROA) | -1.0788% | 6,905 |
| Pretax return on assets | -1.7679% | 6,996 |
| Return on Equity (ROE) | -15.5111% | 6,938 |
| Retained earnings to average equity (ytd only) | -15.5111% | 6,916 |
| Net charge-offs to loans | 1.8075% | 435 |
| Credit loss provision to net charge-offs | 38.2653% | 4,651 |
| Earnings coverage of net charge-offs (x) | -1.1752% | 5,591 |
| Efficiency ratio | 148.3217% | 94 |
| Assets per employee ($millions) | 3.1253% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 1,084 |
| Loan loss allowance to noncurrent loans | 23.9250% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 15.7833% | 80 |
| Noncurrent loans to loans | 10.8464% | 210 |
| Net loans and leases to total assets | 59.2326% | 3,925 |
| Net loans and leases to deposits | 65.0929% | 4,579 |
| Net loans and leases to core deposits | 69.4698% | 4,566 |
| Total domestic deposits to total assets | 90.9971% | 411 |
| Equity capital to assets | 7.1499% | 6,855 |
| Core capital (leverage) ratio | 5.5342% | 6,975 |
| Tier 1 risk-based capital ratio | 7.6567% | 7,012 |
| Total risk-based capital ratio | 8.9192% | 7,013 |
| Memoranda: | ||
| Average total assets | $69,083,750 | 5,714 |
| Average earning assets | $53,948,250 | 5,998 |
| Average equity | $4,805,000 | 6,425 |
| Average total loans | $43,374,750 | 5,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,789 |
| Cost of funding earning assets | 1.0422% | 1,508 |
| Net interest margin | 3.6904% | 3,869 |
| Noninterest income to average assets | -0.0983% | 7,089 |
| Noninterest expense to average assets | 4.1681% | 764 |
| Loan and lease loss provision to assets | 0.4336% | 1,504 |
| Net operating income to assets | -1.1128% | 6,937 |
| Return on assets (ROA) | -1.1128% | 6,955 |
| Pretax return on assets | -1.8239% | 7,053 |
| Return on Equity (ROE) | -16.1493% | 6,994 |
| Retained earnings to average equity (ytd only) | -16.1493% | 6,962 |
| Net charge-offs to loans | 2.6791% | 246 |
| Credit loss provision to net charge-offs | 25.5102% | 4,520 |
| Earnings coverage of net charge-offs (x) | -0.8180% | 5,283 |
| Efficiency ratio | 150.0520% | 101 |
| Assets per employee ($millions) | 3.1106% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 1,490 |
| Loan loss allowance to noncurrent loans | 23.6202% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 15.7687% | 83 |
| Noncurrent loans to loans | 9.9739% | 271 |
| Net loans and leases to total assets | 61.1722% | 3,593 |
| Net loans and leases to deposits | 67.4563% | 4,292 |
| Net loans and leases to core deposits | 71.9056% | 4,307 |
| Total domestic deposits to total assets | 90.6843% | 571 |
| Equity capital to assets | 7.4365% | 6,814 |
| Core capital (leverage) ratio | 6.0533% | 6,984 |
| Tier 1 risk-based capital ratio | 8.1621% | 7,033 |
| Total risk-based capital ratio | 9.4212% | 7,034 |
| Memoranda: | ||
| Average total assets | $69,193,000 | 5,755 |
| Average earning assets | $53,924,330 | 6,032 |
| Average equity | $4,768,000 | 6,461 |
| Average total loans | $43,896,000 | 5,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 3,291 |
| Cost of funding earning assets | 1.0839% | 1,483 |
| Net interest margin | 3.5612% | 4,436 |
| Noninterest income to average assets | 0.2127% | 6,099 |
| Noninterest expense to average assets | 3.8693% | 1,105 |
| Loan and lease loss provision to assets | 0.4312% | 1,454 |
| Net operating income to assets | -0.7877% | 6,945 |
| Return on assets (ROA) | -0.7877% | 6,963 |
| Pretax return on assets | -1.3109% | 7,044 |
| Return on Equity (ROE) | -11.8937% | 7,026 |
| Retained earnings to average equity (ytd only) | -11.8937% | 6,898 |
| Net charge-offs to loans | 1.0088% | 1,028 |
| Credit loss provision to net charge-offs | 66.9643% | 2,979 |
| Earnings coverage of net charge-offs (x) | -1.3661% | 4,581 |
| Efficiency ratio | 129.4231% | 165 |
| Assets per employee ($millions) | 3.4794% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2228% | 668 |
| Loan loss allowance to noncurrent loans | 20.9161% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 18.2000% | 67 |
| Noncurrent loans to loans | 15.4082% | 115 |
| Net loans and leases to total assets | 60.8884% | 3,470 |
| Net loans and leases to deposits | 66.4341% | 4,311 |
| Net loans and leases to core deposits | 70.6867% | 4,331 |
| Total domestic deposits to total assets | 91.6523% | 338 |
| Equity capital to assets | 6.5227% | 7,007 |
| Core capital (leverage) ratio | 4.7571% | 7,139 |
| Tier 1 risk-based capital ratio | 6.5084% | 7,159 |
| Total risk-based capital ratio | 7.7770% | 7,158 |
| Memoranda: | ||
| Average total assets | $69,573,000 | 5,788 |
| Average earning assets | $54,251,000 | 6,057 |
| Average equity | $4,607,500 | 6,546 |
| Average total loans | $44,408,000 | 5,450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 3,984 |
| Cost of funding earning assets | 1.2695% | 1,628 |
| Net interest margin | 3.4904% | 5,182 |
| Noninterest income to average assets | -0.5425% | 7,273 |
| Noninterest expense to average assets | 4.1042% | 905 |
| Loan and lease loss provision to assets | 1.6152% | 433 |
| Net operating income to assets | -2.0951% | 7,044 |
| Return on assets (ROA) | -2.0951% | 7,054 |
| Pretax return on assets | -3.4663% | 7,229 |
| Return on Equity (ROE) | -27.7257% | 7,073 |
| Retained earnings to average equity (ytd only) | -27.7257% | 7,065 |
| Net charge-offs to loans | 2.3065% | 543 |
| Credit loss provision to net charge-offs | 106.9495% | 3,165 |
| Earnings coverage of net charge-offs (x) | -1.2256% | 6,223 |
| Efficiency ratio | 176.1041% | 88 |
| Assets per employee ($millions) | 3.3123% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2153% | 672 |
| Loan loss allowance to noncurrent loans | 19.1992% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 19.7691% | 54 |
| Noncurrent loans to loans | 16.7473% | 94 |
| Net loans and leases to total assets | 62.6614% | 3,477 |
| Net loans and leases to deposits | 68.5142% | 4,363 |
| Net loans and leases to core deposits | 74.0515% | 4,234 |
| Total domestic deposits to total assets | 91.4575% | 342 |
| Equity capital to assets | 6.7224% | 7,021 |
| Core capital (leverage) ratio | 5.1862% | 7,126 |
| Tier 1 risk-based capital ratio | 6.8219% | 7,167 |
| Total risk-based capital ratio | 8.0899% | 7,165 |
| Memoranda: | ||
| Average total assets | $73,363,400 | 5,663 |
| Average earning assets | $58,761,000 | 5,910 |
| Average equity | $5,543,600 | 6,281 |
| Average total loans | $48,037,800 | 5,349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 4,297 |
| Cost of funding earning assets | 1.3123% | 1,636 |
| Net interest margin | 3.4240% | 5,494 |
| Noninterest income to average assets | 0.1669% | 6,395 |
| Noninterest expense to average assets | 3.9220% | 1,120 |
| Loan and lease loss provision to assets | 1.8569% | 321 |
| Net operating income to assets | -1.7493% | 7,095 |
| Return on assets (ROA) | -1.7493% | 7,107 |
| Pretax return on assets | -2.8455% | 7,254 |
| Return on Equity (ROE) | -22.5670% | 7,135 |
| Retained earnings to average equity (ytd only) | -22.5670% | 7,124 |
| Net charge-offs to loans | 1.6752% | 830 |
| Credit loss provision to net charge-offs | 168.8418% | 1,789 |
| Earnings coverage of net charge-offs (x) | -0.8989% | 5,920 |
| Efficiency ratio | 133.7003% | 207 |
| Assets per employee ($millions) | 3.4604% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9658% | 403 |
| Loan loss allowance to noncurrent loans | 23.9866% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 19.6221% | 57 |
| Noncurrent loans to loans | 16.5332% | 104 |
| Net loans and leases to total assets | 59.7498% | 4,175 |
| Net loans and leases to deposits | 65.6719% | 4,950 |
| Net loans and leases to core deposits | 70.3917% | 4,904 |
| Total domestic deposits to total assets | 90.9823% | 434 |
| Equity capital to assets | 7.2081% | 7,012 |
| Core capital (leverage) ratio | 6.2966% | 7,100 |
| Tier 1 risk-based capital ratio | 8.6304% | 7,146 |
| Total risk-based capital ratio | 9.9059% | 7,148 |
| Memoranda: | ||
| Average total assets | $74,314,750 | 5,668 |
| Average earning assets | $60,046,000 | 5,906 |
| Average equity | $5,760,500 | 6,258 |
| Average total loans | $48,788,750 | 5,355 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 4,754 |
| Cost of funding earning assets | 1.3424% | 1,688 |
| Net interest margin | 3.3086% | 5,832 |
| Noninterest income to average assets | 0.2404% | 5,927 |
| Noninterest expense to average assets | 3.8523% | 1,276 |
| Loan and lease loss provision to assets | 0.9350% | 946 |
| Net operating income to assets | -1.1167% | 6,981 |
| Return on assets (ROA) | -1.1167% | 6,989 |
| Pretax return on assets | -1.8407% | 7,137 |
| Return on Equity (ROE) | -14.0867% | 7,037 |
| Retained earnings to average equity (ytd only) | -14.0867% | 7,004 |
| Net charge-offs to loans | 0.7083% | 2,094 |
| Credit loss provision to net charge-offs | 197.7401% | 1,533 |
| Earnings coverage of net charge-offs (x) | -1.9153% | 5,709 |
| Efficiency ratio | 130.7344% | 249 |
| Assets per employee ($millions) | 3.4934% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2466% | 727 |
| Loan loss allowance to noncurrent loans | 15.9719% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 19.8894% | 61 |
| Noncurrent loans to loans | 20.3268% | 59 |
| Net loans and leases to total assets | 59.8712% | 4,295 |
| Net loans and leases to deposits | 66.0115% | 4,998 |
| Net loans and leases to core deposits | 70.2847% | 5,037 |
| Total domestic deposits to total assets | 90.6981% | 638 |
| Equity capital to assets | 7.5454% | 6,926 |
| Core capital (leverage) ratio | 7.1034% | 6,955 |
| Tier 1 risk-based capital ratio | 9.4663% | 7,108 |
| Total risk-based capital ratio | 10.7343% | 7,109 |
| Memoranda: | ||
| Average total assets | $74,863,670 | 5,697 |
| Average earning assets | $61,234,000 | 5,918 |
| Average equity | $5,934,670 | 6,249 |
| Average total loans | $49,981,000 | 5,355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 4,054 |
| Cost of funding earning assets | 1.4142% | 1,541 |
| Net interest margin | 3.3874% | 5,476 |
| Noninterest income to average assets | 0.4657% | 4,146 |
| Noninterest expense to average assets | 3.6118% | 1,746 |
| Loan and lease loss provision to assets | 0.8123% | 1,033 |
| Net operating income to assets | -0.6931% | 6,909 |
| Return on assets (ROA) | -0.6931% | 6,916 |
| Pretax return on assets | -1.1697% | 7,048 |
| Return on Equity (ROE) | -8.5298% | 6,975 |
| Retained earnings to average equity (ytd only) | -8.5298% | 6,786 |
| Net charge-offs to loans | 0.7657% | 1,682 |
| Credit loss provision to net charge-offs | 153.0612% | 1,871 |
| Earnings coverage of net charge-offs (x) | -0.6735% | 4,841 |
| Efficiency ratio | 110.9817% | 481 |
| Assets per employee ($millions) | 3.5504% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8312% | 1,082 |
| Loan loss allowance to noncurrent loans | 18.3993% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 16.3347% | 123 |
| Noncurrent loans to loans | 15.3877% | 140 |
| Net loans and leases to total assets | 65.5025% | 3,132 |
| Net loans and leases to deposits | 72.7600% | 3,954 |
| Net loans and leases to core deposits | 77.6575% | 4,068 |
| Total domestic deposits to total assets | 90.0253% | 1,140 |
| Equity capital to assets | 8.1278% | 6,367 |
| Core capital (leverage) ratio | 7.6508% | 6,600 |
| Tier 1 risk-based capital ratio | 9.7234% | 7,084 |
| Total risk-based capital ratio | 10.9878% | 7,088 |
| Memoranda: | ||
| Average total assets | $73,868,000 | 5,765 |
| Average earning assets | $60,813,000 | 5,972 |
| Average equity | $6,002,500 | 6,247 |
| Average total loans | $51,192,500 | 5,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 4,746 |
| Cost of funding earning assets | 1.7852% | 1,228 |
| Net interest margin | 3.1745% | 6,328 |
| Noninterest income to average assets | 0.3059% | 5,607 |
| Noninterest expense to average assets | 4.2891% | 822 |
| Loan and lease loss provision to assets | 1.6964% | 832 |
| Net operating income to assets | -1.7773% | 6,992 |
| Return on assets (ROA) | -1.7773% | 7,011 |
| Pretax return on assets | -2.9732% | 7,286 |
| Return on Equity (ROE) | -21.2291% | 7,062 |
| Retained earnings to average equity (ytd only) | -21.2291% | 7,037 |
| Net charge-offs to loans | 2.3210% | 830 |
| Credit loss provision to net charge-offs | 103.3102% | 4,363 |
| Earnings coverage of net charge-offs (x) | -0.7775% | 6,546 |
| Efficiency ratio | 142.3836% | 247 |
| Assets per employee ($millions) | 3.3262% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6303% | 1,255 |
| Loan loss allowance to noncurrent loans | 14.5727% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 17.5110% | 107 |
| Noncurrent loans to loans | 18.0493% | 98 |
| Net loans and leases to total assets | 69.3565% | 2,696 |
| Net loans and leases to deposits | 77.0503% | 3,674 |
| Net loans and leases to core deposits | 81.7845% | 3,934 |
| Total domestic deposits to total assets | 90.0146% | 1,089 |
| Equity capital to assets | 8.1241% | 6,353 |
| Core capital (leverage) ratio | 7.2523% | 6,877 |
| Tier 1 risk-based capital ratio | 9.4287% | 7,153 |
| Total risk-based capital ratio | 10.6925% | 7,156 |
| Memoranda: | ||
| Average total assets | $79,107,600 | 5,619 |
| Average earning assets | $67,442,800 | 5,757 |
| Average equity | $6,623,000 | 6,160 |
| Average total loans | $55,966,800 | 5,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 5,306 |
| Cost of funding earning assets | 1.8349% | 1,283 |
| Net interest margin | 3.0569% | 6,713 |
| Noninterest income to average assets | 0.1191% | 6,954 |
| Noninterest expense to average assets | 4.2618% | 766 |
| Loan and lease loss provision to assets | 1.2243% | 1,157 |
| Net operating income to assets | -1.6908% | 7,156 |
| Return on assets (ROA) | -1.6908% | 7,168 |
| Pretax return on assets | -2.7430% | 7,371 |
| Return on Equity (ROE) | -20.0608% | 7,222 |
| Retained earnings to average equity (ytd only) | -20.0608% | 7,206 |
| Net charge-offs to loans | 1.6582% | 1,191 |
| Credit loss provision to net charge-offs | 104.5198% | 4,101 |
| Earnings coverage of net charge-offs (x) | -1.2966% | 6,485 |
| Efficiency ratio | 155.3679% | 180 |
| Assets per employee ($millions) | 3.6496% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 1,339 |
| Loan loss allowance to noncurrent loans | 14.0322% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 16.3005% | 120 |
| Noncurrent loans to loans | 17.7646% | 109 |
| Net loans and leases to total assets | 69.4110% | 2,877 |
| Net loans and leases to deposits | 77.2161% | 3,974 |
| Net loans and leases to core deposits | 82.8578% | 4,105 |
| Total domestic deposits to total assets | 89.8920% | 934 |
| Equity capital to assets | 8.2827% | 6,529 |
| Core capital (leverage) ratio | 7.5614% | 6,805 |
| Tier 1 risk-based capital ratio | 9.9265% | 7,100 |
| Total risk-based capital ratio | 11.1900% | 7,087 |
| Memoranda: | ||
| Average total assets | $80,590,250 | 5,646 |
| Average earning assets | $69,174,000 | 5,765 |
| Average equity | $6,792,500 | 6,180 |
| Average total loans | $56,927,500 | 5,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0140% | 4,883 |
| Cost of funding earning assets | 1.9015% | 1,230 |
| Net interest margin | 3.1125% | 6,570 |
| Noninterest income to average assets | 0.0049% | 7,511 |
| Noninterest expense to average assets | 4.2219% | 795 |
| Loan and lease loss provision to assets | 1.2820% | 1,081 |
| Net operating income to assets | -1.7361% | 7,236 |
| Return on assets (ROA) | -1.7361% | 7,246 |
| Pretax return on assets | -2.8130% | 7,439 |
| Return on Equity (ROE) | -20.4879% | 7,284 |
| Retained earnings to average equity (ytd only) | -20.4879% | 7,264 |
| Net charge-offs to loans | 0.2322% | 4,213 |
| Credit loss provision to net charge-offs | 783.5821% | 474 |
| Earnings coverage of net charge-offs (x) | -9.3582% | 6,322 |
| Efficiency ratio | 156.8966% | 185 |
| Assets per employee ($millions) | 3.6288% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1618% | 725 |
| Loan loss allowance to noncurrent loans | 21.7169% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 12.9857% | 221 |
| Noncurrent loans to loans | 14.5594% | 182 |
| Net loans and leases to total assets | 68.5172% | 3,246 |
| Net loans and leases to deposits | 76.2624% | 4,280 |
| Net loans and leases to core deposits | 81.6308% | 4,474 |
| Total domestic deposits to total assets | 89.8439% | 994 |
| Equity capital to assets | 8.3386% | 6,371 |
| Core capital (leverage) ratio | 7.5889% | 6,749 |
| Tier 1 risk-based capital ratio | 10.2619% | 6,869 |
| Total risk-based capital ratio | 11.5338% | 6,829 |
| Memoranda: | ||
| Average total assets | $81,906,330 | 5,633 |
| Average earning assets | $70,681,670 | 5,749 |
| Average equity | $6,940,670 | 6,157 |
| Average total loans | $57,717,330 | 5,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 4,395 |
| Cost of funding earning assets | 1.9461% | 1,255 |
| Net interest margin | 3.1841% | 6,340 |
| Noninterest income to average assets | -0.4340% | 7,850 |
| Noninterest expense to average assets | 3.0817% | 3,343 |
| Loan and lease loss provision to assets | 1.5674% | 739 |
| Net operating income to assets | -1.4420% | 7,309 |
| Return on assets (ROA) | -1.4420% | 7,319 |
| Pretax return on assets | -2.3293% | 7,482 |
| Return on Equity (ROE) | -16.8867% | 7,369 |
| Retained earnings to average equity (ytd only) | -16.8867% | 7,278 |
| Net charge-offs to loans | 0.2469% | 3,465 |
| Credit loss provision to net charge-offs | 902.7778% | 509 |
| Earnings coverage of net charge-offs (x) | -4.3889% | 5,527 |
| Efficiency ratio | 132.8482% | 312 |
| Assets per employee ($millions) | 3.7747% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7887% | 1,003 |
| Loan loss allowance to noncurrent loans | 18.2464% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 13.5109% | 188 |
| Noncurrent loans to loans | 15.2833% | 170 |
| Net loans and leases to total assets | 67.8773% | 3,416 |
| Net loans and leases to deposits | 75.6526% | 4,467 |
| Net loans and leases to core deposits | 81.3438% | 4,575 |
| Total domestic deposits to total assets | 89.7223% | 1,130 |
| Equity capital to assets | 8.5051% | 5,997 |
| Core capital (leverage) ratio | 8.2787% | 5,779 |
| Tier 1 risk-based capital ratio | 10.5665% | 6,571 |
| Total risk-based capital ratio | 11.8326% | 6,548 |
| Memoranda: | ||
| Average total assets | $82,942,500 | 5,666 |
| Average earning assets | $71,731,500 | 5,787 |
| Average equity | $7,082,500 | 6,172 |
| Average total loans | $58,333,000 | 5,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0195% | 1,788 |
| Cost of funding earning assets | 2.7865% | 464 |
| Net interest margin | 3.2330% | 5,979 |
| Noninterest income to average assets | 0.3799% | 5,374 |
| Noninterest expense to average assets | 4.5660% | 745 |
| Loan and lease loss provision to assets | 1.5578% | 1,475 |
| Net operating income to assets | -2.0129% | 7,097 |
| Return on assets (ROA) | -2.0129% | 7,097 |
| Pretax return on assets | -3.0464% | 7,306 |
| Return on Equity (ROE) | -21.7612% | 7,201 |
| Retained earnings to average equity (ytd only) | -21.7612% | 7,171 |
| Net charge-offs to loans | 1.3680% | 1,829 |
| Credit loss provision to net charge-offs | 152.3522% | 3,018 |
| Earnings coverage of net charge-offs (x) | -1.4560% | 6,953 |
| Efficiency ratio | 128.3367% | 495 |
| Assets per employee ($millions) | 3.6018% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2631% | 1,545 |
| Loan loss allowance to noncurrent loans | 23.5252% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 10.1906% | 357 |
| Noncurrent loans to loans | 9.6198% | 447 |
| Net loans and leases to total assets | 69.2326% | 3,427 |
| Net loans and leases to deposits | 77.2254% | 4,524 |
| Net loans and leases to core deposits | 126.1309% | 1,504 |
| Total domestic deposits to total assets | 89.6501% | 1,133 |
| Equity capital to assets | 8.5730% | 5,761 |
| Core capital (leverage) ratio | 8.1247% | 5,949 |
| Tier 1 risk-based capital ratio | 10.3257% | 6,562 |
| Total risk-based capital ratio | 11.5865% | 6,526 |
| Memoranda: | ||
| Average total assets | $81,078,200 | 5,699 |
| Average earning assets | $67,646,600 | 5,885 |
| Average equity | $7,499,600 | 6,089 |
| Average total loans | $60,599,000 | 5,222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4994% | 748 |
| Cost of funding earning assets | 2.9746% | 357 |
| Net interest margin | 3.5247% | 4,764 |
| Noninterest income to average assets | 0.5423% | 4,140 |
| Noninterest expense to average assets | 3.9517% | 1,347 |
| Loan and lease loss provision to assets | 0.2860% | 4,687 |
| Net operating income to assets | -0.4646% | 6,391 |
| Return on assets (ROA) | -0.4646% | 6,396 |
| Pretax return on assets | -0.7821% | 6,533 |
| Return on Equity (ROE) | -4.9304% | 6,444 |
| Retained earnings to average equity (ytd only) | -4.9304% | 6,247 |
| Net charge-offs to loans | 0.3209% | 4,031 |
| Credit loss provision to net charge-offs | 117.6871% | 4,318 |
| Earnings coverage of net charge-offs (x) | -2.0408% | 6,746 |
| Efficiency ratio | 114.3541% | 685 |
| Assets per employee ($millions) | 3.7292% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,400 |
| Loan loss allowance to noncurrent loans | 77.1165% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 4.7975% | 1,236 |
| Noncurrent loans to loans | 1.9536% | 3,702 |
| Net loans and leases to total assets | 73.3103% | 2,708 |
| Net loans and leases to deposits | 81.1895% | 4,168 |
| Net loans and leases to core deposits | 130.4544% | 1,408 |
| Total domestic deposits to total assets | 90.2953% | 669 |
| Equity capital to assets | 9.0964% | 5,347 |
| Core capital (leverage) ratio | 8.0444% | 6,288 |
| Tier 1 risk-based capital ratio | 10.4663% | 6,506 |
| Total risk-based capital ratio | 11.7185% | 6,456 |
| Memoranda: | ||
| Average total assets | $80,637,500 | 5,741 |
| Average earning assets | $66,651,000 | 5,951 |
| Average equity | $7,599,000 | 6,111 |
| Average total loans | $61,078,500 | 5,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6520% | 600 |
| Cost of funding earning assets | 3.1559% | 297 |
| Net interest margin | 3.4960% | 4,814 |
| Noninterest income to average assets | 0.5239% | 4,239 |
| Noninterest expense to average assets | 4.2061% | 1,066 |
| Loan and lease loss provision to assets | 0.2021% | 5,030 |
| Net operating income to assets | -0.6262% | 6,682 |
| Return on assets (ROA) | -0.6262% | 6,685 |
| Pretax return on assets | -1.0378% | 6,843 |
| Return on Equity (ROE) | -6.5670% | 6,766 |
| Retained earnings to average equity (ytd only) | -6.5670% | 6,518 |
| Net charge-offs to loans | 0.1670% | 4,554 |
| Credit loss provision to net charge-offs | 158.8235% | 2,895 |
| Earnings coverage of net charge-offs (x) | -6.5686% | 6,483 |
| Efficiency ratio | 124.7964% | 590 |
| Assets per employee ($millions) | 3.5670% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,124 |
| Loan loss allowance to noncurrent loans | 58.5551% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 4.5551% | 1,223 |
| Noncurrent loans to loans | 2.5823% | 2,808 |
| Net loans and leases to total assets | 73.3606% | 2,871 |
| Net loans and leases to deposits | 81.3630% | 4,329 |
| Net loans and leases to core deposits | 129.7986% | 1,587 |
| Total domestic deposits to total assets | 90.1646% | 763 |
| Equity capital to assets | 9.0968% | 5,163 |
| Core capital (leverage) ratio | 8.1006% | 6,166 |
| Tier 1 risk-based capital ratio | 10.5607% | 6,325 |
| Total risk-based capital ratio | 11.8137% | 6,267 |
| Memoranda: | ||
| Average total assets | $80,169,000 | 5,797 |
| Average earning assets | $65,273,670 | 6,033 |
| Average equity | $7,644,330 | 6,134 |
| Average total loans | $61,082,670 | 5,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7564% | 517 |
| Cost of funding earning assets | 3.1169% | 437 |
| Net interest margin | 3.6395% | 4,142 |
| Noninterest income to average assets | 0.5351% | 4,021 |
| Noninterest expense to average assets | 3.1855% | 3,052 |
| Loan and lease loss provision to assets | 0.2019% | 4,427 |
| Net operating income to assets | 0.1111% | 5,949 |
| Return on assets (ROA) | 0.1111% | 6,109 |
| Pretax return on assets | 0.1363% | 6,085 |
| Return on Equity (ROE) | 1.1377% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.1377% | 5,189 |
| Net charge-offs to loans | 0.2227% | 3,304 |
| Credit loss provision to net charge-offs | 117.6471% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 3,738 |
| Efficiency ratio | 90.4011% | 1,690 |
| Assets per employee ($millions) | 3.5470% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 3,041 |
| Loan loss allowance to noncurrent loans | 114.3583% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 3.2360% | 1,706 |
| Noncurrent loans to loans | 1.3040% | 4,367 |
| Net loans and leases to total assets | 72.8776% | 3,034 |
| Net loans and leases to deposits | 82.5569% | 4,199 |
| Net loans and leases to core deposits | 127.4901% | 1,824 |
| Total domestic deposits to total assets | 88.2756% | 1,592 |
| Equity capital to assets | 9.4764% | 4,702 |
| Core capital (leverage) ratio | 8.9148% | 4,844 |
| Tier 1 risk-based capital ratio | 11.1341% | 5,778 |
| Total risk-based capital ratio | 12.3872% | 5,692 |
| Memoranda: | ||
| Average total assets | $79,233,500 | 5,855 |
| Average earning assets | $65,064,000 | 6,071 |
| Average equity | $7,735,000 | 6,145 |
| Average total loans | $61,069,500 | 5,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7561% | 260 |
| Cost of funding earning assets | 3.4830% | 550 |
| Net interest margin | 4.2730% | 2,063 |
| Noninterest income to average assets | 0.5710% | 4,074 |
| Noninterest expense to average assets | 3.6291% | 2,082 |
| Loan and lease loss provision to assets | 0.3051% | 3,934 |
| Net operating income to assets | 0.2701% | 5,641 |
| Return on assets (ROA) | 0.2701% | 5,460 |
| Pretax return on assets | 0.3387% | 5,420 |
| Return on Equity (ROE) | 2.5102% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.5102% | 3,636 |
| Net charge-offs to loans | 0.1458% | 4,758 |
| Credit loss provision to net charge-offs | 269.1358% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.6790% | 3,564 |
| Efficiency ratio | 84.9329% | 1,957 |
| Assets per employee ($millions) | 3.2035% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 2,940 |
| Loan loss allowance to noncurrent loans | 123.6515% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 1,904 |
| Noncurrent loans to loans | 1.1702% | 4,182 |
| Net loans and leases to total assets | 79.1962% | 1,837 |
| Net loans and leases to deposits | 90.4432% | 3,380 |
| Net loans and leases to core deposits | 141.1255% | 1,205 |
| Total domestic deposits to total assets | 87.5645% | 1,687 |
| Equity capital to assets | 10.0657% | 3,956 |
| Core capital (leverage) ratio | 8.9405% | 4,830 |
| Tier 1 risk-based capital ratio | 10.8886% | 5,822 |
| Total risk-based capital ratio | 12.1406% | 5,738 |
| Memoranda: | ||
| Average total assets | $71,449,400 | 5,986 |
| Average earning assets | $61,899,800 | 6,089 |
| Average equity | $7,688,600 | 6,215 |
| Average total loans | $55,572,800 | 5,467 |