Home > Colonial American Bank > Performance and Condition Ratios
Colonial American Bank, Performance and Condition Ratios
| 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 | 3.7958% | 4,083 |
| Cost of funding earning assets | 0.7366% | 691 |
| Net interest margin | 3.0592% | 5,066 |
| Noninterest income to average assets | 0.9127% | 1,408 |
| Noninterest expense to average assets | 4.3133% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4516% | 6,175 |
| Return on assets (ROA) | -0.4516% | 6,188 |
| Pretax return on assets | -0.4516% | 6,176 |
| Return on Equity (ROE) | -6.9379% | 6,222 |
| Retained earnings to average equity (ytd only) | -6.9379% | 6,089 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6943% | 157 |
| Assets per employee ($millions) | 4.9383% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,484 |
| Loan loss allowance to noncurrent loans | 69.4102% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8693% | 1,218 |
| Noncurrent loans to loans | 1.8066% | 1,415 |
| Net loans and leases to total assets | 86.7126% | 200 |
| Net loans and leases to deposits | 97.3007% | 855 |
| Net loans and leases to core deposits | 100.7521% | 1,425 |
| Total domestic deposits to total assets | 89.1182% | 1,083 |
| Equity capital to assets | 6.4381% | 6,248 |
| Core capital (leverage) ratio | 6.4084% | 6,251 |
| Tier 1 risk-based capital ratio | 8.6203% | 6,277 |
| Total risk-based capital ratio | 9.8717% | 6,276 |
| Memoranda: | ||
| Average total assets | $147,032,670 | 3,677 |
| Average earning assets | $141,734,330 | 3,572 |
| Average equity | $9,570,670 | 4,828 |
| Average total loans | $127,535,330 | 2,954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,078 |
| Cost of funding earning assets | 0.7327% | 719 |
| Net interest margin | 3.0504% | 5,077 |
| Noninterest income to average assets | 0.7036% | 2,151 |
| Noninterest expense to average assets | 3.4671% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1772% | 5,731 |
| Return on assets (ROA) | 0.1772% | 5,807 |
| Pretax return on assets | 0.1772% | 5,855 |
| Return on Equity (ROE) | 2.7088% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.7088% | 4,323 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1363% | 534 |
| Assets per employee ($millions) | 5.1382% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,872 |
| Loan loss allowance to noncurrent loans | 68.3276% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 1,399 |
| Noncurrent loans to loans | 1.7795% | 1,527 |
| Net loans and leases to total assets | 83.1198% | 368 |
| Net loans and leases to deposits | 93.8865% | 993 |
| Net loans and leases to core deposits | 97.9714% | 1,478 |
| Total domestic deposits to total assets | 88.5322% | 1,533 |
| Equity capital to assets | 6.3797% | 6,318 |
| Core capital (leverage) ratio | 6.6555% | 6,277 |
| Tier 1 risk-based capital ratio | 8.5449% | 6,338 |
| Total risk-based capital ratio | 9.7962% | 6,338 |
| Memoranda: | ||
| Average total assets | $148,943,500 | 3,671 |
| Average earning assets | $143,587,500 | 3,571 |
| Average equity | $9,746,000 | 4,838 |
| Average total loans | $128,423,500 | 2,937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 4,351 |
| Cost of funding earning assets | 0.7720% | 755 |
| Net interest margin | 3.0673% | 5,281 |
| Noninterest income to average assets | 0.9296% | 1,414 |
| Noninterest expense to average assets | 3.5671% | 1,365 |
| Loan and lease loss provision to assets | 0.6717% | 192 |
| Net operating income to assets | -0.3652% | 6,260 |
| Return on assets (ROA) | -0.3532% | 6,250 |
| Pretax return on assets | -0.3532% | 6,236 |
| Return on Equity (ROE) | -5.6136% | 6,302 |
| Retained earnings to average equity (ytd only) | -5.6136% | 6,203 |
| Net charge-offs to loans | 0.7703% | 463 |
| Credit loss provision to net charge-offs | 107.0064% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.4883% | 4,634 |
| Efficiency ratio | 92.0867% | 696 |
| Assets per employee ($millions) | 4.9566% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 3,768 |
| Loan loss allowance to noncurrent loans | 57.9993% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 1,128 |
| Noncurrent loans to loans | 2.1385% | 1,267 |
| Net loans and leases to total assets | 87.3565% | 143 |
| Net loans and leases to deposits | 96.9742% | 834 |
| Net loans and leases to core deposits | 101.8766% | 1,256 |
| Total domestic deposits to total assets | 90.0822% | 699 |
| Equity capital to assets | 6.7190% | 6,360 |
| Core capital (leverage) ratio | 6.4537% | 6,375 |
| Tier 1 risk-based capital ratio | 8.4091% | 6,432 |
| Total risk-based capital ratio | 9.6594% | 6,434 |
| Memoranda: | ||
| Average total assets | $150,065,200 | 3,634 |
| Average earning assets | $144,033,800 | 3,535 |
| Average equity | $9,441,400 | 4,881 |
| Average total loans | $122,287,800 | 2,996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 5,184 |
| Cost of funding earning assets | 0.7652% | 823 |
| Net interest margin | 2.8197% | 5,844 |
| Noninterest income to average assets | 1.1148% | 982 |
| Noninterest expense to average assets | 3.5916% | 1,310 |
| Loan and lease loss provision to assets | 0.8863% | 131 |
| Net operating income to assets | -0.6577% | 6,412 |
| Return on assets (ROA) | -0.6515% | 6,406 |
| Pretax return on assets | -0.6515% | 6,393 |
| Return on Equity (ROE) | -10.5247% | 6,445 |
| Retained earnings to average equity (ytd only) | -10.5247% | 6,380 |
| Net charge-offs to loans | 1.0385% | 289 |
| Credit loss provision to net charge-offs | 106.8929% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.2757% | 4,413 |
| Efficiency ratio | 94.0161% | 598 |
| Assets per employee ($millions) | 4.7838% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,128 |
| Loan loss allowance to noncurrent loans | 99.4949% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 2,380 |
| Noncurrent loans to loans | 1.2253% | 2,600 |
| Net loans and leases to total assets | 83.4198% | 372 |
| Net loans and leases to deposits | 95.2018% | 942 |
| Net loans and leases to core deposits | 99.5432% | 1,410 |
| Total domestic deposits to total assets | 87.6241% | 1,967 |
| Equity capital to assets | 6.0465% | 6,474 |
| Core capital (leverage) ratio | 6.1663% | 6,468 |
| Tier 1 risk-based capital ratio | 8.2971% | 6,505 |
| Total risk-based capital ratio | 9.5482% | 6,506 |
| Memoranda: | ||
| Average total assets | $151,646,000 | 3,631 |
| Average earning assets | $145,496,750 | 3,554 |
| Average equity | $9,387,250 | 4,928 |
| Average total loans | $121,073,500 | 3,034 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 5,345 |
| Cost of funding earning assets | 0.7617% | 875 |
| Net interest margin | 2.7680% | 5,964 |
| Noninterest income to average assets | 0.9962% | 1,211 |
| Noninterest expense to average assets | 3.5523% | 1,385 |
| Loan and lease loss provision to assets | 1.3336% | 68 |
| Net operating income to assets | -1.2357% | 6,554 |
| Return on assets (ROA) | -1.2265% | 6,550 |
| Pretax return on assets | -1.2265% | 6,537 |
| Return on Equity (ROE) | -19.6586% | 6,572 |
| Retained earnings to average equity (ytd only) | -19.6586% | 6,531 |
| Net charge-offs to loans | 1.5430% | 175 |
| Credit loss provision to net charge-offs | 110.4053% | 1,819 |
| Earnings coverage of net charge-offs (x) | 0.0811% | 4,116 |
| Efficiency ratio | 97.3179% | 493 |
| Assets per employee ($millions) | 4.4457% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,213 |
| Loan loss allowance to noncurrent loans | 76.9157% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.5064% | 2,166 |
| Noncurrent loans to loans | 1.6139% | 2,151 |
| Net loans and leases to total assets | 84.5318% | 265 |
| Net loans and leases to deposits | 95.8271% | 814 |
| Net loans and leases to core deposits | 101.8168% | 1,146 |
| Total domestic deposits to total assets | 88.2128% | 1,781 |
| Equity capital to assets | 5.9747% | 6,531 |
| Core capital (leverage) ratio | 6.0242% | 6,536 |
| Tier 1 risk-based capital ratio | 8.1414% | 6,565 |
| Total risk-based capital ratio | 9.3829% | 6,568 |
| Memoranda: | ||
| Average total assets | $151,168,000 | 3,662 |
| Average earning assets | $144,944,000 | 3,583 |
| Average equity | $9,431,000 | 4,925 |
| Average total loans | $118,339,670 | 3,093 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 5,754 |
| Cost of funding earning assets | 0.7464% | 985 |
| Net interest margin | 2.6013% | 6,240 |
| Noninterest income to average assets | 1.0954% | 932 |
| Noninterest expense to average assets | 3.4900% | 1,506 |
| Loan and lease loss provision to assets | 0.0397% | 3,284 |
| Net operating income to assets | 0.0556% | 6,115 |
| Return on assets (ROA) | 0.0609% | 6,129 |
| Pretax return on assets | 0.0609% | 6,140 |
| Return on Equity (ROE) | 0.9552% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.9552% | 5,218 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3432% | 575 |
| Assets per employee ($millions) | 5.3297% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 3,939 |
| Loan loss allowance to noncurrent loans | 58.2888% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.8161% | 1,926 |
| Noncurrent loans to loans | 2.2857% | 1,563 |
| Net loans and leases to total assets | 73.1163% | 1,412 |
| Net loans and leases to deposits | 84.9993% | 1,723 |
| Net loans and leases to core deposits | 91.6084% | 1,770 |
| Total domestic deposits to total assets | 86.0198% | 3,356 |
| Equity capital to assets | 6.3224% | 6,542 |
| Core capital (leverage) ratio | 6.7049% | 6,522 |
| Tier 1 risk-based capital ratio | 9.6764% | 6,529 |
| Total risk-based capital ratio | 10.9288% | 6,507 |
| Memoranda: | ||
| Average total assets | $151,174,500 | 3,688 |
| Average earning assets | $144,695,000 | 3,612 |
| Average equity | $9,631,000 | 4,904 |
| Average total loans | $112,819,500 | 3,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 6,088 |
| Cost of funding earning assets | 0.7947% | 1,240 |
| Net interest margin | 2.4490% | 6,414 |
| Noninterest income to average assets | 0.5331% | 3,535 |
| Noninterest expense to average assets | 3.8622% | 1,041 |
| Loan and lease loss provision to assets | 0.3676% | 849 |
| Net operating income to assets | -1.3958% | 6,663 |
| Return on assets (ROA) | -0.9394% | 6,601 |
| Pretax return on assets | -0.9394% | 6,584 |
| Return on Equity (ROE) | -12.4075% | 6,612 |
| Retained earnings to average equity (ytd only) | -12.4075% | 6,578 |
| Net charge-offs to loans | 0.2472% | 2,494 |
| Credit loss provision to net charge-offs | 225.9912% | 1,010 |
| Earnings coverage of net charge-offs (x) | -6.3216% | 5,407 |
| Efficiency ratio | 136.2832% | 94 |
| Assets per employee ($millions) | 5.0961% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 3,839 |
| Loan loss allowance to noncurrent loans | 50.6872% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 2.1463% | 1,663 |
| Noncurrent loans to loans | 2.6849% | 1,367 |
| Net loans and leases to total assets | 74.1547% | 1,321 |
| Net loans and leases to deposits | 83.3525% | 2,017 |
| Net loans and leases to core deposits | 91.6068% | 1,835 |
| Total domestic deposits to total assets | 88.9652% | 1,655 |
| Equity capital to assets | 6.4214% | 6,579 |
| Core capital (leverage) ratio | 6.6843% | 6,571 |
| Tier 1 risk-based capital ratio | 9.1099% | 6,653 |
| Total risk-based capital ratio | 10.3612% | 6,636 |
| Memoranda: | ||
| Average total assets | $139,557,400 | 3,878 |
| Average earning assets | $131,114,600 | 3,821 |
| Average equity | $10,566,200 | 4,732 |
| Average total loans | $91,832,600 | 3,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1532% | 6,253 |
| Cost of funding earning assets | 0.7987% | 1,331 |
| Net interest margin | 2.3546% | 6,553 |
| Noninterest income to average assets | 0.5896% | 3,223 |
| Noninterest expense to average assets | 3.8971% | 969 |
| Loan and lease loss provision to assets | 0.4005% | 753 |
| Net operating income to assets | -1.5040% | 6,763 |
| Return on assets (ROA) | -0.8553% | 6,692 |
| Pretax return on assets | -0.8553% | 6,674 |
| Return on Equity (ROE) | -10.8532% | 6,702 |
| Retained earnings to average equity (ytd only) | -10.8532% | 6,659 |
| Net charge-offs to loans | 0.3509% | 1,794 |
| Credit loss provision to net charge-offs | 180.3493% | 1,343 |
| Earnings coverage of net charge-offs (x) | -4.9694% | 5,140 |
| Efficiency ratio | 139.5002% | 100 |
| Assets per employee ($millions) | 4.5116% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,143 |
| Loan loss allowance to noncurrent loans | 46.2447% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 1,833 |
| Noncurrent loans to loans | 2.9151% | 1,401 |
| Net loans and leases to total assets | 69.3066% | 2,082 |
| Net loans and leases to deposits | 80.4348% | 2,350 |
| Net loans and leases to core deposits | 88.5974% | 2,123 |
| Total domestic deposits to total assets | 86.1649% | 3,151 |
| Equity capital to assets | 6.6697% | 6,614 |
| Core capital (leverage) ratio | 7.1837% | 6,553 |
| Tier 1 risk-based capital ratio | 9.6695% | 6,663 |
| Total risk-based capital ratio | 10.9196% | 6,642 |
| Memoranda: | ||
| Average total assets | $137,500,000 | 3,962 |
| Average earning assets | $128,710,750 | 3,912 |
| Average equity | $10,835,250 | 4,723 |
| Average total loans | $87,015,000 | 3,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 6,450 |
| Cost of funding earning assets | 0.8171% | 1,329 |
| Net interest margin | 2.1849% | 6,689 |
| Noninterest income to average assets | 0.5894% | 3,257 |
| Noninterest expense to average assets | 4.1838% | 707 |
| Loan and lease loss provision to assets | 0.5161% | 516 |
| Net operating income to assets | -2.0627% | 6,852 |
| Return on assets (ROA) | -1.1518% | 6,780 |
| Pretax return on assets | -1.1518% | 6,763 |
| Return on Equity (ROE) | -13.8278% | 6,785 |
| Retained earnings to average equity (ytd only) | -13.8278% | 6,739 |
| Net charge-offs to loans | 0.0616% | 3,824 |
| Credit loss provision to net charge-offs | 1,380.0000% | 231 |
| Earnings coverage of net charge-offs (x) | -41.3600% | 4,896 |
| Efficiency ratio | 158.6500% | 59 |
| Assets per employee ($millions) | 4.1618% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 3,150 |
| Loan loss allowance to noncurrent loans | 45.2311% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5491% | 1,648 |
| Noncurrent loans to loans | 3.5444% | 1,179 |
| Net loans and leases to total assets | 67.0577% | 2,401 |
| Net loans and leases to deposits | 79.3736% | 2,418 |
| Net loans and leases to core deposits | 86.8954% | 2,241 |
| Total domestic deposits to total assets | 84.4836% | 4,131 |
| Equity capital to assets | 7.3822% | 6,480 |
| Core capital (leverage) ratio | 8.1943% | 6,015 |
| Tier 1 risk-based capital ratio | 10.7168% | 6,441 |
| Total risk-based capital ratio | 11.9704% | 6,410 |
| Memoranda: | ||
| Average total assets | $133,706,000 | 4,063 |
| Average earning assets | $125,316,330 | 4,005 |
| Average equity | $11,137,000 | 4,699 |
| Average total loans | $81,155,000 | 3,951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0120% | 6,506 |
| Cost of funding earning assets | 0.8718% | 1,133 |
| Net interest margin | 2.1402% | 6,794 |
| Noninterest income to average assets | 0.5670% | 3,332 |
| Noninterest expense to average assets | 4.2216% | 693 |
| Loan and lease loss provision to assets | 0.1079% | 2,897 |
| Net operating income to assets | -1.7503% | 6,906 |
| Return on assets (ROA) | -0.8566% | 6,788 |
| Pretax return on assets | -0.8566% | 6,767 |
| Return on Equity (ROE) | -9.6843% | 6,798 |
| Retained earnings to average equity (ytd only) | -9.6843% | 6,601 |
| Net charge-offs to loans | 0.1469% | 2,522 |
| Credit loss provision to net charge-offs | 129.6296% | 1,523 |
| Earnings coverage of net charge-offs (x) | -19.7407% | 4,121 |
| Efficiency ratio | 163.6798% | 65 |
| Assets per employee ($millions) | 3.7403% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 2,907 |
| Loan loss allowance to noncurrent loans | 38.9889% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7173% | 1,671 |
| Noncurrent loans to loans | 4.4221% | 959 |
| Net loans and leases to total assets | 56.9861% | 3,926 |
| Net loans and leases to deposits | 63.0370% | 4,417 |
| Net loans and leases to core deposits | 70.6858% | 3,982 |
| Total domestic deposits to total assets | 90.4010% | 816 |
| Equity capital to assets | 9.2182% | 5,231 |
| Core capital (leverage) ratio | 8.6849% | 5,350 |
| Tier 1 risk-based capital ratio | 13.9389% | 4,553 |
| Total risk-based capital ratio | 15.1926% | 4,508 |
| Memoranda: | ||
| Average total assets | $129,808,000 | 4,184 |
| Average earning assets | $122,046,500 | 4,113 |
| Average equity | $11,482,500 | 4,679 |
| Average total loans | $73,515,500 | 4,216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3004% | 6,582 |
| Cost of funding earning assets | 1.0414% | 1,161 |
| Net interest margin | 2.2590% | 6,858 |
| Noninterest income to average assets | 0.1755% | 6,145 |
| Noninterest expense to average assets | 5.1465% | 346 |
| Loan and lease loss provision to assets | 0.9511% | 449 |
| Net operating income to assets | -3.7656% | 7,039 |
| Return on assets (ROA) | -3.1823% | 7,022 |
| Pretax return on assets | -3.1823% | 7,024 |
| Return on Equity (ROE) | -23.8628% | 6,916 |
| Retained earnings to average equity (ytd only) | -23.8628% | 6,887 |
| Net charge-offs to loans | 0.2561% | 3,408 |
| Credit loss provision to net charge-offs | 624.1379% | 393 |
| Earnings coverage of net charge-offs (x) | -18.4690% | 5,960 |
| Efficiency ratio | 220.6850% | 31 |
| Assets per employee ($millions) | 4.6961% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,204 |
| Loan loss allowance to noncurrent loans | 40.7174% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.3497% | 2,090 |
| Noncurrent loans to loans | 3.9902% | 1,180 |
| Net loans and leases to total assets | 54.5085% | 4,544 |
| Net loans and leases to deposits | 70.2838% | 3,671 |
| Net loans and leases to core deposits | 77.2681% | 3,365 |
| Total domestic deposits to total assets | 77.5550% | 6,153 |
| Equity capital to assets | 8.5082% | 6,043 |
| Core capital (leverage) ratio | 8.8450% | 5,104 |
| Tier 1 risk-based capital ratio | 13.7475% | 4,564 |
| Total risk-based capital ratio | 15.0009% | 4,522 |
| Memoranda: | ||
| Average total assets | $95,152,000 | 4,961 |
| Average earning assets | $90,837,800 | 4,845 |
| Average equity | $12,689,200 | 4,420 |
| Average total loans | $56,619,400 | 4,847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 6,541 |
| Cost of funding earning assets | 1.0980% | 1,069 |
| Net interest margin | 2.3749% | 6,908 |
| Noninterest income to average assets | 0.1115% | 6,575 |
| Noninterest expense to average assets | 5.5849% | 255 |
| Loan and lease loss provision to assets | 0.9423% | 453 |
| Net operating income to assets | -4.1431% | 7,145 |
| Return on assets (ROA) | -3.6107% | 7,132 |
| Pretax return on assets | -3.6107% | 7,130 |
| Return on Equity (ROE) | -23.6430% | 7,024 |
| Retained earnings to average equity (ytd only) | -23.6430% | 7,013 |
| Net charge-offs to loans | 0.0873% | 4,510 |
| Credit loss provision to net charge-offs | 1,764.7059% | 151 |
| Earnings coverage of net charge-offs (x) | -59.9442% | 5,762 |
| Efficiency ratio | 234.2556% | 25 |
| Assets per employee ($millions) | 4.1390% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,732 |
| Loan loss allowance to noncurrent loans | 57.5251% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 3,102 |
| Noncurrent loans to loans | 2.6943% | 2,103 |
| Net loans and leases to total assets | 54.6138% | 4,650 |
| Net loans and leases to deposits | 61.1169% | 5,070 |
| Net loans and leases to core deposits | 67.3523% | 4,800 |
| Total domestic deposits to total assets | 89.3595% | 1,209 |
| Equity capital to assets | 10.2223% | 4,174 |
| Core capital (leverage) ratio | 9.9562% | 3,601 |
| Tier 1 risk-based capital ratio | 17.3421% | 2,596 |
| Total risk-based capital ratio | 18.5958% | 2,556 |
| Memoranda: | ||
| Average total assets | $84,893,500 | 5,274 |
| Average earning assets | $81,235,000 | 5,136 |
| Average equity | $12,964,750 | 4,403 |
| Average total loans | $51,909,500 | 5,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 6,553 |
| Cost of funding earning assets | 1.0648% | 1,385 |
| Net interest margin | 2.4788% | 6,906 |
| Noninterest income to average assets | 0.0383% | 6,898 |
| Noninterest expense to average assets | 6.0726% | 214 |
| Loan and lease loss provision to assets | 1.3801% | 274 |
| Net operating income to assets | -5.0478% | 7,210 |
| Return on assets (ROA) | -4.6761% | 7,205 |
| Pretax return on assets | -4.6761% | 7,206 |
| Return on Equity (ROE) | -25.9315% | 7,075 |
| Retained earnings to average equity (ytd only) | -25.9315% | 7,062 |
| Net charge-offs to loans | 0.1446% | 3,762 |
| Credit loss provision to net charge-offs | 1,485.2941% | 228 |
| Earnings coverage of net charge-offs (x) | -39.4706% | 5,491 |
| Efficiency ratio | 252.5000% | 26 |
| Assets per employee ($millions) | 4.6211% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 4,128 |
| Loan loss allowance to noncurrent loans | 56.0072% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6117% | 3,306 |
| Noncurrent loans to loans | 2.6380% | 2,278 |
| Net loans and leases to total assets | 54.0847% | 4,787 |
| Net loans and leases to deposits | 60.7038% | 5,171 |
| Net loans and leases to core deposits | 66.0092% | 5,001 |
| Total domestic deposits to total assets | 89.0961% | 1,453 |
| Equity capital to assets | 10.6130% | 3,556 |
| Core capital (leverage) ratio | 12.1447% | 1,523 |
| Tier 1 risk-based capital ratio | 17.8186% | 2,353 |
| Total risk-based capital ratio | 19.0688% | 2,318 |
| Memoranda: | ||
| Average total assets | $73,180,670 | 5,631 |
| Average earning assets | $69,872,670 | 5,526 |
| Average equity | $13,196,330 | 4,359 |
| Average total loans | $47,017,330 | 5,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 5,740 |
| Cost of funding earning assets | 0.8580% | 3,009 |
| Net interest margin | 3.1489% | 5,910 |
| Noninterest income to average assets | 0.0385% | 6,979 |
| Noninterest expense to average assets | 8.1527% | 113 |
| Loan and lease loss provision to assets | 1.0614% | 380 |
| Net operating income to assets | -6.1838% | 7,281 |
| Return on assets (ROA) | -5.1224% | 7,275 |
| Pretax return on assets | -5.1224% | 7,274 |
| Return on Equity (ROE) | -19.4965% | 7,105 |
| Retained earnings to average equity (ytd only) | -19.4965% | 7,039 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.0355% | 24 |
| Assets per employee ($millions) | 2.7257% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,846 |
| Loan loss allowance to noncurrent loans | 37.6559% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 2.9900% | 1,939 |
| Noncurrent loans to loans | 3.5546% | 1,747 |
| Net loans and leases to total assets | 74.2421% | 1,024 |
| Net loans and leases to deposits | 105.1165% | 230 |
| Net loans and leases to core deposits | 112.0648% | 468 |
| Total domestic deposits to total assets | 70.6284% | 6,952 |
| Equity capital to assets | 22.1592% | 143 |
| Core capital (leverage) ratio | 27.6191% | 71 |
| Tier 1 risk-based capital ratio | 32.1984% | 427 |
| Total risk-based capital ratio | 33.4488% | 420 |
| Memoranda: | ||
| Average total assets | $52,007,000 | 6,301 |
| Average earning assets | $49,414,500 | 6,222 |
| Average equity | $13,664,000 | 4,267 |
| Average total loans | $38,816,000 | 5,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 6,166 |
| Cost of funding earning assets | 1.0446% | 3,069 |
| Net interest margin | 3.1142% | 6,314 |
| Noninterest income to average assets | 0.0777% | 6,725 |
| Noninterest expense to average assets | 12.6756% | 55 |
| Loan and lease loss provision to assets | 2.3007% | 215 |
| Net operating income to assets | -11.9325% | 7,356 |
| Return on assets (ROA) | -11.9325% | 7,355 |
| Pretax return on assets | -11.9325% | 7,355 |
| Return on Equity (ROE) | -38.3562% | 7,152 |
| Retained earnings to average equity (ytd only) | -38.4961% | 7,147 |
| Net charge-offs to loans | 2.4640% | 479 |
| Credit loss provision to net charge-offs | 148.2966% | 1,918 |
| Earnings coverage of net charge-offs (x) | -6.2084% | 6,373 |
| Efficiency ratio | 416.4454% | 15 |
| Assets per employee ($millions) | 2.5911% | 6,729 |
| Cash dividends to net income (ytd only)* | -0.3648% | 7,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,315 |
| Loan loss allowance to noncurrent loans | 40.4514% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 1,971 |
| Noncurrent loans to loans | 3.5437% | 1,809 |
| Net loans and leases to total assets | 72.7434% | 1,505 |
| Net loans and leases to deposits | 108.9790% | 189 |
| Net loans and leases to core deposits | 114.5175% | 483 |
| Total domestic deposits to total assets | 66.7499% | 7,112 |
| Equity capital to assets | 31.8743% | 59 |
| Core capital (leverage) ratio | 33.5134% | 55 |
| Tier 1 risk-based capital ratio | 42.0141% | 200 |
| Total risk-based capital ratio | 43.2657% | 195 |
| Memoranda: | ||
| Average total assets | $32,164,200 | 6,914 |
| Average earning assets | $30,634,200 | 6,849 |
| Average equity | $10,006,200 | 5,019 |
| Average total loans | $20,251,400 | 6,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 5,503 |
| Cost of funding earning assets | 1.0795% | 3,115 |
| Net interest margin | 3.3488% | 5,722 |
| Noninterest income to average assets | 0.0777% | 6,849 |
| Noninterest expense to average assets | 11.6599% | 64 |
| Loan and lease loss provision to assets | 2.0780% | 249 |
| Net operating income to assets | -10.4725% | 7,431 |
| Return on assets (ROA) | -10.4725% | 7,430 |
| Pretax return on assets | -10.4725% | 7,430 |
| Return on Equity (ROE) | -33.9781% | 7,226 |
| Retained earnings to average equity (ytd only) | -34.1854% | 7,222 |
| Net charge-offs to loans | 2.9168% | 332 |
| Credit loss provision to net charge-offs | 121.0106% | 2,679 |
| Earnings coverage of net charge-offs (x) | -4.8883% | 6,098 |
| Efficiency ratio | 357.0629% | 16 |
| Assets per employee ($millions) | 2.1488% | 7,172 |
| Cash dividends to net income (ytd only)* | -0.6107% | 7,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,578 |
| Loan loss allowance to noncurrent loans | 45.9215% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 2,760 |
| Noncurrent loans to loans | 3.5260% | 1,950 |
| Net loans and leases to total assets | 47.7558% | 5,983 |
| Net loans and leases to deposits | 82.7331% | 2,220 |
| Net loans and leases to core deposits | 85.3874% | 2,861 |
| Total domestic deposits to total assets | 57.7227% | 7,324 |
| Equity capital to assets | 41.7860% | 49 |
| Core capital (leverage) ratio | 42.5258% | 49 |
| Tier 1 risk-based capital ratio | 63.3535% | 98 |
| Total risk-based capital ratio | 64.5569% | 98 |
| Memoranda: | ||
| Average total assets | $29,193,250 | 7,063 |
| Average earning assets | $27,790,500 | 7,001 |
| Average equity | $8,997,750 | 5,307 |
| Average total loans | $17,187,250 | 6,862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 3,792 |
| Cost of funding earning assets | 1.1694% | 2,778 |
| Net interest margin | 3.6937% | 4,292 |
| Noninterest income to average assets | 0.0999% | 6,826 |
| Noninterest expense to average assets | 10.8099% | 67 |
| Loan and lease loss provision to assets | 2.1820% | 264 |
| Net operating income to assets | -9.3732% | 7,495 |
| Return on assets (ROA) | -9.3732% | 7,496 |
| Pretax return on assets | -9.3732% | 7,498 |
| Return on Equity (ROE) | -36.9156% | 7,293 |
| Retained earnings to average equity (ytd only) | -37.1577% | 7,289 |
| Net charge-offs to loans | 3.4098% | 267 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | -3.2958% | 5,761 |
| Efficiency ratio | 298.7261% | 26 |
| Assets per employee ($millions) | 1.9570% | 7,317 |
| Cash dividends to net income (ytd only)* | -0.6557% | 7,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,883 |
| Loan loss allowance to noncurrent loans | 32.5615% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 2.5522% | 2,617 |
| Noncurrent loans to loans | 4.1050% | 1,673 |
| Net loans and leases to total assets | 44.6656% | 6,377 |
| Net loans and leases to deposits | 83.1148% | 2,255 |
| Net loans and leases to core deposits | 86.0964% | 2,885 |
| Total domestic deposits to total assets | 53.7396% | 7,411 |
| Equity capital to assets | 45.7924% | 47 |
| Core capital (leverage) ratio | 50.8578% | 45 |
| Tier 1 risk-based capital ratio | 80.6744% | 67 |
| Total risk-based capital ratio | 81.7431% | 67 |
| Memoranda: | ||
| Average total assets | $26,031,670 | 7,212 |
| Average earning assets | $24,798,670 | 7,153 |
| Average equity | $6,609,670 | 6,048 |
| Average total loans | $16,658,000 | 6,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 441 |
| Cost of funding earning assets | 1.4876% | 1,222 |
| Net interest margin | 4.5456% | 967 |
| Noninterest income to average assets | 0.1173% | 6,826 |
| Noninterest expense to average assets | 7.3133% | 133 |
| Loan and lease loss provision to assets | 1.4470% | 450 |
| Net operating income to assets | -4.3410% | 7,461 |
| Return on assets (ROA) | -4.3410% | 7,463 |
| Pretax return on assets | -4.3410% | 7,451 |
| Return on Equity (ROE) | -63.3833% | 7,449 |
| Retained earnings to average equity (ytd only) | -63.3833% | 7,440 |
| Net charge-offs to loans | 1.7863% | 730 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,957 |
| Efficiency ratio | 165.4867% | 106 |
| Assets per employee ($millions) | 2.4813% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 4,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 4,368 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 81.2292% | 424 |
| Net loans and leases to deposits | 87.6019% | 1,506 |
| Net loans and leases to core deposits | 91.0138% | 2,240 |
| Total domestic deposits to total assets | 92.7254% | 160 |
| Equity capital to assets | 6.4987% | 7,208 |
| Core capital (leverage) ratio | 6.4346% | 7,183 |
| Tier 1 risk-based capital ratio | 7.9713% | 7,293 |
| Total risk-based capital ratio | 9.2257% | 7,299 |
| Memoranda: | ||
| Average total assets | $20,456,000 | 7,392 |
| Average earning assets | $19,359,500 | 7,355 |
| Average equity | $1,401,000 | 7,499 |
| Average total loans | $16,570,500 | 7,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 885 |
| Cost of funding earning assets | 1.7744% | 1,279 |
| Net interest margin | 4.2029% | 2,173 |
| Noninterest income to average assets | 0.1302% | 6,745 |
| Noninterest expense to average assets | 6.7983% | 168 |
| Loan and lease loss provision to assets | 0.2343% | 4,937 |
| Net operating income to assets | -2.9154% | 7,276 |
| Return on assets (ROA) | -2.9154% | 7,298 |
| Pretax return on assets | -2.9154% | 7,275 |
| Return on Equity (ROE) | -36.5814% | 7,308 |
| Retained earnings to average equity (ytd only) | -37.8334% | 7,312 |
| Net charge-offs to loans | 0.2944% | 4,549 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | -11.4444% | 6,800 |
| Efficiency ratio | 165.1212% | 147 |
| Assets per employee ($millions) | 2.3402% | 7,182 |
| Cash dividends to net income (ytd only)* | -3.4226% | 7,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 4,801 |
| Loan loss allowance to noncurrent loans | 84.9057% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 3,927 |
| Noncurrent loans to loans | 1.5781% | 4,135 |
| Net loans and leases to total assets | 78.6582% | 855 |
| Net loans and leases to deposits | 85.5248% | 2,178 |
| Net loans and leases to core deposits | 88.6742% | 2,951 |
| Total domestic deposits to total assets | 91.9713% | 291 |
| Equity capital to assets | 7.1788% | 7,043 |
| Core capital (leverage) ratio | 7.1445% | 6,944 |
| Tier 1 risk-based capital ratio | 9.0658% | 7,232 |
| Total risk-based capital ratio | 10.3190% | 7,237 |
| Memoranda: | ||
| Average total assets | $23,050,000 | 7,394 |
| Average earning assets | $21,866,000 | 7,356 |
| Average equity | $1,837,000 | 7,531 |
| Average total loans | $18,342,600 | 7,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 860 |
| Cost of funding earning assets | 1.8701% | 1,139 |
| Net interest margin | 4.1703% | 2,334 |
| Noninterest income to average assets | 0.1076% | 7,015 |
| Noninterest expense to average assets | 6.5909% | 177 |
| Loan and lease loss provision to assets | 1.0192% | 1,445 |
| Net operating income to assets | -3.5503% | 7,525 |
| Return on assets (ROA) | -3.5503% | 7,536 |
| Pretax return on assets | -3.5503% | 7,504 |
| Return on Equity (ROE) | -43.5803% | 7,519 |
| Retained earnings to average equity (ytd only) | -45.1093% | 7,525 |
| Net charge-offs to loans | 1.2813% | 1,590 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | -2.4834% | 6,549 |
| Efficiency ratio | 162.3431% | 157 |
| Assets per employee ($millions) | 2.3594% | 7,245 |
| Cash dividends to net income (ytd only)* | -3.5085% | 7,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 5,152 |
| Loan loss allowance to noncurrent loans | 39.4737% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.0092% | 2,413 |
| Noncurrent loans to loans | 3.1979% | 2,491 |
| Net loans and leases to total assets | 82.8773% | 420 |
| Net loans and leases to deposits | 90.0850% | 1,711 |
| Net loans and leases to core deposits | 93.3584% | 2,614 |
| Total domestic deposits to total assets | 91.9991% | 193 |
| Equity capital to assets | 7.3181% | 7,219 |
| Core capital (leverage) ratio | 6.7241% | 7,278 |
| Tier 1 risk-based capital ratio | 8.9661% | 7,371 |
| Total risk-based capital ratio | 10.2123% | 7,391 |
| Memoranda: | ||
| Average total assets | $23,547,000 | 7,479 |
| Average earning assets | $22,315,750 | 7,436 |
| Average equity | $1,918,250 | 7,613 |
| Average total loans | $18,730,250 | 7,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0423% | 855 |
| Cost of funding earning assets | 1.9505% | 1,041 |
| Net interest margin | 4.0918% | 2,599 |
| Noninterest income to average assets | 0.0822% | 7,179 |
| Noninterest expense to average assets | 6.4233% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.4591% | 7,407 |
| Return on assets (ROA) | -2.4591% | 7,418 |
| Pretax return on assets | -2.4591% | 7,358 |
| Return on Equity (ROE) | -29.3185% | 7,426 |
| Retained earnings to average equity (ytd only) | -30.7893% | 7,428 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.0332% | 172 |
| Assets per employee ($millions) | 2.6458% | 6,871 |
| Cash dividends to net income (ytd only)* | -5.0167% | 7,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,330 |
| Loan loss allowance to noncurrent loans | 84.9057% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 4,371 |
| Noncurrent loans to loans | 1.4419% | 4,551 |
| Net loans and leases to total assets | 76.2389% | 1,441 |
| Net loans and leases to deposits | 83.3708% | 2,999 |
| Net loans and leases to core deposits | 86.0705% | 3,818 |
| Total domestic deposits to total assets | 91.4455% | 351 |
| Equity capital to assets | 7.9708% | 6,782 |
| Core capital (leverage) ratio | 7.8254% | 6,469 |
| Tier 1 risk-based capital ratio | 10.6515% | 6,565 |
| Total risk-based capital ratio | 11.9195% | 6,547 |
| Memoranda: | ||
| Average total assets | $24,317,670 | 7,522 |
| Average earning assets | $23,070,670 | 7,472 |
| Average equity | $2,039,670 | 7,655 |
| Average total loans | $19,032,330 | 7,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1811% | 666 |
| Cost of funding earning assets | 2.0432% | 961 |
| Net interest margin | 4.1379% | 2,278 |
| Noninterest income to average assets | 0.0651% | 7,395 |
| Noninterest expense to average assets | 6.4793% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.4908% | 7,556 |
| Return on assets (ROA) | -2.4908% | 7,557 |
| Pretax return on assets | -2.4908% | 7,510 |
| Return on Equity (ROE) | -28.9979% | 7,557 |
| Retained earnings to average equity (ytd only) | -30.3246% | 7,550 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.4490% | 169 |
| Assets per employee ($millions) | 2.7092% | 6,847 |
| Cash dividends to net income (ytd only)* | -4.5752% | 7,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 5,633 |
| Loan loss allowance to noncurrent loans | 84.9057% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 4,461 |
| Noncurrent loans to loans | 1.3839% | 4,660 |
| Net loans and leases to total assets | 77.6115% | 1,219 |
| Net loans and leases to deposits | 85.3124% | 2,714 |
| Net loans and leases to core deposits | 88.0145% | 3,624 |
| Total domestic deposits to total assets | 90.9732% | 559 |
| Equity capital to assets | 8.3993% | 6,160 |
| Core capital (leverage) ratio | 8.3743% | 5,603 |
| Tier 1 risk-based capital ratio | 11.0230% | 6,132 |
| Total risk-based capital ratio | 12.2370% | 6,135 |
| Memoranda: | ||
| Average total assets | $24,570,500 | 7,601 |
| Average earning assets | $23,297,000 | 7,558 |
| Average equity | $2,110,500 | 7,728 |
| Average total loans | $19,359,000 | 7,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0335% | 1,738 |
| Cost of funding earning assets | 2.7102% | 566 |
| Net interest margin | 3.3232% | 5,650 |
| Noninterest income to average assets | 0.3160% | 5,820 |
| Noninterest expense to average assets | 6.9254% | 212 |
| Loan and lease loss provision to assets | 0.4859% | 3,940 |
| Net operating income to assets | -3.9452% | 7,596 |
| Return on assets (ROA) | -3.8467% | 7,579 |
| Pretax return on assets | -3.8467% | 7,497 |
| Return on Equity (ROE) | -43.3849% | 7,614 |
| Retained earnings to average equity (ytd only) | -44.4581% | 7,611 |
| Net charge-offs to loans | 0.6342% | 3,300 |
| Credit loss provision to net charge-offs | 111.7188% | 4,916 |
| Earnings coverage of net charge-offs (x) | -7.9531% | 7,151 |
| Efficiency ratio | 199.8039% | 140 |
| Assets per employee ($millions) | 2.7509% | 6,754 |
| Cash dividends to net income (ytd only)* | -2.4735% | 7,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,642 |
| Loan loss allowance to noncurrent loans | 84.9057% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 4,366 |
| Noncurrent loans to loans | 1.3542% | 4,661 |
| Net loans and leases to total assets | 78.1323% | 1,352 |
| Net loans and leases to deposits | 86.4343% | 2,836 |
| Net loans and leases to core deposits | 97.9294% | 4,226 |
| Total domestic deposits to total assets | 90.3950% | 781 |
| Equity capital to assets | 8.7770% | 5,474 |
| Core capital (leverage) ratio | 8.2321% | 5,761 |
| Tier 1 risk-based capital ratio | 11.5825% | 5,312 |
| Total risk-based capital ratio | 12.7655% | 5,342 |
| Memoranda: | ||
| Average total assets | $29,428,000 | 7,495 |
| Average earning assets | $27,894,400 | 7,431 |
| Average equity | $2,609,200 | 7,704 |
| Average total loans | $20,182,000 | 7,181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9573% | 2,206 |
| Cost of funding earning assets | 2.8178% | 574 |
| Net interest margin | 3.1395% | 6,206 |
| Noninterest income to average assets | 0.3268% | 5,870 |
| Noninterest expense to average assets | 6.6893% | 228 |
| Loan and lease loss provision to assets | 0.6232% | 2,901 |
| Net operating income to assets | -4.0092% | 7,752 |
| Return on assets (ROA) | -3.8828% | 7,735 |
| Pretax return on assets | -3.8828% | 7,671 |
| Return on Equity (ROE) | -43.7035% | 7,787 |
| Retained earnings to average equity (ytd only) | -44.6353% | 7,791 |
| Net charge-offs to loans | 0.8392% | 2,283 |
| Credit loss provision to net charge-offs | 111.7188% | 4,546 |
| Earnings coverage of net charge-offs (x) | -6.0704% | 6,871 |
| Efficiency ratio | 202.5066% | 150 |
| Assets per employee ($millions) | 3.2624% | 5,491 |
| Cash dividends to net income (ytd only)* | -2.1322% | 7,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,863 |
| Loan loss allowance to noncurrent loans | 78.3972% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 4,592 |
| Noncurrent loans to loans | 1.3724% | 4,625 |
| Net loans and leases to total assets | 70.4584% | 3,401 |
| Net loans and leases to deposits | 77.5267% | 4,817 |
| Net loans and leases to core deposits | 91.8324% | 5,246 |
| Total domestic deposits to total assets | 90.8828% | 453 |
| Equity capital to assets | 8.3611% | 6,429 |
| Core capital (leverage) ratio | 8.0451% | 6,285 |
| Tier 1 risk-based capital ratio | 11.9715% | 5,002 |
| Total risk-based capital ratio | 13.0700% | 5,080 |
| Memoranda: | ||
| Average total assets | $30,595,500 | 7,518 |
| Average earning assets | $29,005,750 | 7,461 |
| Average equity | $2,718,250 | 7,744 |
| Average total loans | $20,335,250 | 7,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8501% | 2,803 |
| Cost of funding earning assets | 3.0102% | 463 |
| Net interest margin | 2.8399% | 6,935 |
| Noninterest income to average assets | 0.3290% | 5,879 |
| Noninterest expense to average assets | 6.6244% | 256 |
| Loan and lease loss provision to assets | 0.9224% | 1,828 |
| Net operating income to assets | -4.5281% | 7,896 |
| Return on assets (ROA) | -4.5281% | 7,895 |
| Pretax return on assets | -4.5281% | 7,813 |
| Return on Equity (ROE) | -50.0356% | 7,910 |
| Retained earnings to average equity (ytd only) | -50.6771% | 7,914 |
| Net charge-offs to loans | 1.2709% | 1,456 |
| Credit loss provision to net charge-offs | 111.7188% | 4,146 |
| Earnings coverage of net charge-offs (x) | -4.3672% | 6,445 |
| Efficiency ratio | 219.4444% | 160 |
| Assets per employee ($millions) | 3.6209% | 4,521 |
| Cash dividends to net income (ytd only)* | -1.2821% | 7,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,827 |
| Loan loss allowance to noncurrent loans | 78.3972% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,734 |
| Noncurrent loans to loans | 1.3544% | 4,504 |
| Net loans and leases to total assets | 64.3335% | 4,915 |
| Net loans and leases to deposits | 70.6654% | 5,916 |
| Net loans and leases to core deposits | 85.1267% | 5,999 |
| Total domestic deposits to total assets | 91.0396% | 441 |
| Equity capital to assets | 8.2362% | 6,433 |
| Core capital (leverage) ratio | 8.1641% | 6,048 |
| Tier 1 risk-based capital ratio | 12.2656% | 4,708 |
| Total risk-based capital ratio | 13.3074% | 4,784 |
| Memoranda: | ||
| Average total assets | $31,006,670 | 7,567 |
| Average earning assets | $29,367,000 | 7,512 |
| Average equity | $2,806,000 | 7,785 |
| Average total loans | $20,142,670 | 7,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 3,307 |
| Cost of funding earning assets | 3.2220% | 323 |
| Net interest margin | 2.5776% | 7,399 |
| Noninterest income to average assets | 0.1456% | 7,249 |
| Noninterest expense to average assets | 7.0691% | 202 |
| Loan and lease loss provision to assets | 1.3238% | 972 |
| Net operating income to assets | -5.8115% | 8,080 |
| Return on assets (ROA) | -5.8115% | 8,071 |
| Pretax return on assets | -5.8115% | 8,038 |
| Return on Equity (ROE) | -61.2487% | 8,091 |
| Retained earnings to average equity (ytd only) | -61.2487% | 8,075 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 273.8462% | 108 |
| Assets per employee ($millions) | 3.4970% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 2,665 |
| Loan loss allowance to noncurrent loans | 62.8803% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 3,582 |
| Noncurrent loans to loans | 2.4917% | 2,640 |
| Net loans and leases to total assets | 61.8816% | 5,353 |
| Net loans and leases to deposits | 68.9929% | 6,077 |
| Net loans and leases to core deposits | 85.2229% | 5,967 |
| Total domestic deposits to total assets | 89.6928% | 936 |
| Equity capital to assets | 9.3159% | 4,917 |
| Core capital (leverage) ratio | 9.5717% | 3,904 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,442 |
| Total risk-based capital ratio | 15.3425% | 3,462 |
| Memoranda: | ||
| Average total assets | $30,216,000 | 7,642 |
| Average earning assets | $28,553,500 | 7,590 |
| Average equity | $2,867,000 | 7,823 |
| Average total loans | $19,619,000 | 7,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7916% | 1,708 |
| Cost of funding earning assets | 3.6515% | 316 |
| Net interest margin | 3.1401% | 6,543 |
| Noninterest income to average assets | 0.1975% | 7,034 |
| Noninterest expense to average assets | 8.0957% | 216 |
| Loan and lease loss provision to assets | 0.3858% | 3,382 |
| Net operating income to assets | -5.3086% | 8,108 |
| Return on assets (ROA) | -5.4815% | 8,109 |
| Pretax return on assets | -5.4815% | 8,060 |
| Return on Equity (ROE) | -48.5883% | 8,147 |
| Retained earnings to average equity (ytd only) | -48.5883% | 8,130 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 255.1556% | 134 |
| Assets per employee ($millions) | 2.8959% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 5,418 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 6,081 |
| Noncurrent loans to loans | 0.5758% | 5,642 |
| Net loans and leases to total assets | 66.4457% | 4,763 |
| Net loans and leases to deposits | 76.9772% | 5,475 |
| Net loans and leases to core deposits | 96.5334% | 5,204 |
| Total domestic deposits to total assets | 86.3186% | 2,256 |
| Equity capital to assets | 9.6757% | 4,458 |
| Core capital (leverage) ratio | 8.0553% | 6,395 |
| Tier 1 risk-based capital ratio | 14.5574% | 3,268 |
| Total risk-based capital ratio | 15.6547% | 3,255 |
| Memoranda: | ||
| Average total assets | $32,400,000 | 7,541 |
| Average earning assets | $30,699,600 | 7,478 |
| Average equity | $3,655,200 | 7,630 |
| Average total loans | $16,089,400 | 7,581 |