Home > Columbia Savings Bank > Performance and Condition Ratios
Columbia Savings Bank, Performance and Condition Ratios
| 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 | 3.8807% | 4,165 |
| Cost of funding earning assets | 1.1748% | 105 |
| Net interest margin | 2.7060% | 6,103 |
| Noninterest income to average assets | 0.9186% | 1,335 |
| Noninterest expense to average assets | 4.5821% | 422 |
| Loan and lease loss provision to assets | 0.3242% | 565 |
| Net operating income to assets | -1.7723% | 6,648 |
| Return on assets (ROA) | -1.7723% | 6,644 |
| Pretax return on assets | -1.7723% | 6,628 |
| Return on Equity (ROE) | -77.3585% | 6,707 |
| Retained earnings to average equity (ytd only) | -77.3585% | 6,699 |
| Net charge-offs to loans | 0.4222% | 866 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | -4.7857% | 3,574 |
| Efficiency ratio | 146.2069% | 72 |
| Assets per employee ($millions) | 3.6484% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8141% | 102 |
| Loan loss allowance to noncurrent loans | 41.6361% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 19.2413% | 19 |
| Noncurrent loans to loans | 11.5624% | 70 |
| Net loans and leases to total assets | 67.5803% | 2,287 |
| Net loans and leases to deposits | 83.4721% | 1,880 |
| Net loans and leases to core deposits | 85.3503% | 2,386 |
| Total domestic deposits to total assets | 80.9615% | 5,250 |
| Equity capital to assets | 2.0996% | 6,710 |
| Core capital (leverage) ratio | 2.0715% | 6,721 |
| Tier 1 risk-based capital ratio | 3.5415% | 6,711 |
| Total risk-based capital ratio | 4.8470% | 6,712 |
| Memoranda: | ||
| Average total assets | $37,014,000 | 6,301 |
| Average earning assets | $30,303,500 | 6,376 |
| Average equity | $848,000 | 6,714 |
| Average total loans | $26,525,500 | 5,872 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 2,587 |
| Cost of funding earning assets | 1.2338% | 150 |
| Net interest margin | 3.1659% | 5,106 |
| Noninterest income to average assets | 1.2951% | 829 |
| Noninterest expense to average assets | 5.1026% | 324 |
| Loan and lease loss provision to assets | 0.6777% | 345 |
| Net operating income to assets | -1.8448% | 6,702 |
| Return on assets (ROA) | -1.8448% | 6,701 |
| Pretax return on assets | -1.8448% | 6,697 |
| Return on Equity (ROE) | -57.5568% | 6,780 |
| Retained earnings to average equity (ytd only) | -57.5568% | 6,777 |
| Net charge-offs to loans | 0.4201% | 1,592 |
| Credit loss provision to net charge-offs | 219.5122% | 1,050 |
| Earnings coverage of net charge-offs (x) | -3.7805% | 5,369 |
| Efficiency ratio | 129.6556% | 127 |
| Assets per employee ($millions) | 3.7544% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5860% | 124 |
| Loan loss allowance to noncurrent loans | 37.6019% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 19.0070% | 21 |
| Noncurrent loans to loans | 12.1961% | 70 |
| Net loans and leases to total assets | 68.9937% | 2,174 |
| Net loans and leases to deposits | 84.1170% | 1,929 |
| Net loans and leases to core deposits | 89.6453% | 2,065 |
| Total domestic deposits to total assets | 82.0211% | 4,868 |
| Equity capital to assets | 2.4771% | 6,775 |
| Core capital (leverage) ratio | 2.4361% | 6,784 |
| Tier 1 risk-based capital ratio | 4.1516% | 6,780 |
| Total risk-based capital ratio | 5.4551% | 6,782 |
| Memoranda: | ||
| Average total assets | $39,842,600 | 6,294 |
| Average earning assets | $33,229,600 | 6,366 |
| Average equity | $1,277,000 | 6,781 |
| Average total loans | $29,280,600 | 5,797 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,783 |
| Cost of funding earning assets | 1.2463% | 161 |
| Net interest margin | 3.1041% | 5,308 |
| Noninterest income to average assets | 1.3327% | 829 |
| Noninterest expense to average assets | 5.1000% | 317 |
| Loan and lease loss provision to assets | 0.7917% | 249 |
| Net operating income to assets | -1.9628% | 6,799 |
| Return on assets (ROA) | -1.9628% | 6,805 |
| Pretax return on assets | -1.9628% | 6,800 |
| Return on Equity (ROE) | -58.1712% | 6,866 |
| Retained earnings to average equity (ytd only) | -58.1712% | 6,863 |
| Net charge-offs to loans | 0.5903% | 1,064 |
| Credit loss provision to net charge-offs | 181.8182% | 1,333 |
| Earnings coverage of net charge-offs (x) | -2.6893% | 5,098 |
| Efficiency ratio | 129.8069% | 130 |
| Assets per employee ($millions) | 3.4915% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3397% | 185 |
| Loan loss allowance to noncurrent loans | 35.6488% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 20.3458% | 17 |
| Noncurrent loans to loans | 12.1734% | 78 |
| Net loans and leases to total assets | 69.2184% | 2,097 |
| Net loans and leases to deposits | 84.5924% | 1,798 |
| Net loans and leases to core deposits | 90.0146% | 1,963 |
| Total domestic deposits to total assets | 81.8258% | 4,990 |
| Equity capital to assets | 2.7860% | 6,852 |
| Core capital (leverage) ratio | 2.7437% | 6,860 |
| Tier 1 risk-based capital ratio | 4.5429% | 6,857 |
| Total risk-based capital ratio | 5.8421% | 6,859 |
| Memoranda: | ||
| Average total assets | $40,417,250 | 6,348 |
| Average earning assets | $33,804,500 | 6,424 |
| Average equity | $1,363,750 | 6,851 |
| Average total loans | $29,813,750 | 5,827 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 3,301 |
| Cost of funding earning assets | 1.2510% | 177 |
| Net interest margin | 2.9653% | 5,660 |
| Noninterest income to average assets | 1.2510% | 995 |
| Noninterest expense to average assets | 4.8968% | 386 |
| Loan and lease loss provision to assets | 0.8762% | 228 |
| Net operating income to assets | -2.0298% | 6,851 |
| Return on assets (ROA) | -2.0298% | 6,854 |
| Pretax return on assets | -2.0298% | 6,847 |
| Return on Equity (ROE) | -57.0580% | 6,914 |
| Retained earnings to average equity (ytd only) | -57.0580% | 6,910 |
| Net charge-offs to loans | 0.4461% | 1,464 |
| Credit loss provision to net charge-offs | 264.7059% | 953 |
| Earnings coverage of net charge-offs (x) | -3.4853% | 4,802 |
| Efficiency ratio | 130.8192% | 123 |
| Assets per employee ($millions) | 3.5516% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1151% | 230 |
| Loan loss allowance to noncurrent loans | 27.9446% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 20.7715% | 20 |
| Noncurrent loans to loans | 14.7259% | 52 |
| Net loans and leases to total assets | 72.1665% | 1,552 |
| Net loans and leases to deposits | 88.3797% | 1,295 |
| Net loans and leases to core deposits | 98.0047% | 1,215 |
| Total domestic deposits to total assets | 81.6551% | 5,157 |
| Equity capital to assets | 3.1944% | 6,894 |
| Core capital (leverage) ratio | 3.1234% | 6,900 |
| Tier 1 risk-based capital ratio | 5.1663% | 6,890 |
| Total risk-based capital ratio | 6.4631% | 6,893 |
| Memoranda: | ||
| Average total assets | $41,087,670 | 6,373 |
| Average earning assets | $34,533,330 | 6,448 |
| Average equity | $1,461,670 | 6,888 |
| Average total loans | $30,488,330 | 5,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 3,329 |
| Cost of funding earning assets | 1.2548% | 187 |
| Net interest margin | 2.9392% | 5,729 |
| Noninterest income to average assets | 1.3017% | 909 |
| Noninterest expense to average assets | 4.7414% | 442 |
| Loan and lease loss provision to assets | 0.8552% | 245 |
| Net operating income to assets | -1.8243% | 6,911 |
| Return on assets (ROA) | -1.8243% | 6,913 |
| Pretax return on assets | -1.8243% | 6,902 |
| Return on Equity (ROE) | -48.9640% | 6,971 |
| Retained earnings to average equity (ytd only) | -48.9640% | 6,963 |
| Net charge-offs to loans | 1.3406% | 416 |
| Credit loss provision to net charge-offs | 86.5385% | 2,076 |
| Earnings coverage of net charge-offs (x) | -0.9808% | 3,964 |
| Efficiency ratio | 125.6927% | 176 |
| Assets per employee ($millions) | 3.1455% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5912% | 389 |
| Loan loss allowance to noncurrent loans | 23.3520% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 20.7894% | 22 |
| Noncurrent loans to loans | 15.3785% | 68 |
| Net loans and leases to total assets | 71.1672% | 1,494 |
| Net loans and leases to deposits | 88.0088% | 1,149 |
| Net loans and leases to core deposits | 100.9015% | 897 |
| Total domestic deposits to total assets | 80.8638% | 5,536 |
| Equity capital to assets | 3.5998% | 6,950 |
| Core capital (leverage) ratio | 3.5210% | 6,948 |
| Tier 1 risk-based capital ratio | 5.8410% | 6,934 |
| Total risk-based capital ratio | 7.1275% | 6,934 |
| Memoranda: | ||
| Average total assets | $42,097,500 | 6,400 |
| Average earning assets | $35,383,500 | 6,482 |
| Average equity | $1,568,500 | 6,946 |
| Average total loans | $31,030,500 | 5,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 2,883 |
| Cost of funding earning assets | 1.2648% | 426 |
| Net interest margin | 3.3643% | 5,022 |
| Noninterest income to average assets | -0.2095% | 6,967 |
| Noninterest expense to average assets | 4.6009% | 517 |
| Loan and lease loss provision to assets | 0.7639% | 653 |
| Net operating income to assets | -2.7064% | 6,989 |
| Return on assets (ROA) | -2.7064% | 6,991 |
| Pretax return on assets | -2.7064% | 6,994 |
| Return on Equity (ROE) | -57.8952% | 7,032 |
| Retained earnings to average equity (ytd only) | -57.8952% | 7,029 |
| Net charge-offs to loans | 1.9464% | 380 |
| Credit loss provision to net charge-offs | 52.1610% | 4,639 |
| Earnings coverage of net charge-offs (x) | -1.3264% | 5,786 |
| Efficiency ratio | 173.0706% | 63 |
| Assets per employee ($millions) | 3.3311% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4446% | 448 |
| Loan loss allowance to noncurrent loans | 27.3815% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 17.0839% | 57 |
| Noncurrent loans to loans | 12.5800% | 134 |
| Net loans and leases to total assets | 71.0743% | 1,636 |
| Net loans and leases to deposits | 87.4375% | 1,336 |
| Net loans and leases to core deposits | 99.3608% | 1,060 |
| Total domestic deposits to total assets | 81.2858% | 5,313 |
| Equity capital to assets | 3.8449% | 7,008 |
| Core capital (leverage) ratio | 3.8147% | 7,005 |
| Tier 1 risk-based capital ratio | 6.3966% | 6,977 |
| Total risk-based capital ratio | 7.6728% | 6,979 |
| Memoranda: | ||
| Average total assets | $45,817,400 | 6,333 |
| Average earning assets | $39,057,200 | 6,391 |
| Average equity | $2,141,800 | 6,935 |
| Average total loans | $34,473,600 | 5,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 2,859 |
| Cost of funding earning assets | 1.2686% | 508 |
| Net interest margin | 3.4165% | 4,980 |
| Noninterest income to average assets | -0.4650% | 7,125 |
| Noninterest expense to average assets | 4.7481% | 445 |
| Loan and lease loss provision to assets | 0.7464% | 668 |
| Net operating income to assets | -3.0372% | 7,114 |
| Return on assets (ROA) | -3.0372% | 7,117 |
| Pretax return on assets | -3.0372% | 7,112 |
| Return on Equity (ROE) | -62.3897% | 7,141 |
| Retained earnings to average equity (ytd only) | -62.3897% | 7,137 |
| Net charge-offs to loans | 2.4978% | 246 |
| Credit loss provision to net charge-offs | 39.5137% | 4,630 |
| Earnings coverage of net charge-offs (x) | -1.2128% | 5,596 |
| Efficiency ratio | 193.2243% | 40 |
| Assets per employee ($millions) | 3.3838% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0888% | 661 |
| Loan loss allowance to noncurrent loans | 28.5834% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 15.8672% | 77 |
| Noncurrent loans to loans | 10.8062% | 212 |
| Net loans and leases to total assets | 72.8211% | 1,420 |
| Net loans and leases to deposits | 90.1985% | 1,124 |
| Net loans and leases to core deposits | 103.1923% | 918 |
| Total domestic deposits to total assets | 80.7343% | 5,436 |
| Equity capital to assets | 4.2010% | 7,094 |
| Core capital (leverage) ratio | 4.1439% | 7,086 |
| Tier 1 risk-based capital ratio | 6.9016% | 7,055 |
| Total risk-based capital ratio | 8.1842% | 7,050 |
| Memoranda: | ||
| Average total assets | $46,445,750 | 6,384 |
| Average earning assets | $39,728,000 | 6,447 |
| Average equity | $2,261,000 | 7,010 |
| Average total loans | $35,123,000 | 5,792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 2,680 |
| Cost of funding earning assets | 1.2731% | 588 |
| Net interest margin | 3.4873% | 4,730 |
| Noninterest income to average assets | -1.2441% | 7,228 |
| Noninterest expense to average assets | 4.5616% | 524 |
| Loan and lease loss provision to assets | 1.1002% | 389 |
| Net operating income to assets | -3.9269% | 7,192 |
| Return on assets (ROA) | -3.9269% | 7,193 |
| Pretax return on assets | -3.9269% | 7,186 |
| Return on Equity (ROE) | -77.3762% | 7,196 |
| Retained earnings to average equity (ytd only) | -77.3762% | 7,191 |
| Net charge-offs to loans | 1.7033% | 533 |
| Credit loss provision to net charge-offs | 85.2459% | 3,180 |
| Earnings coverage of net charge-offs (x) | -2.1902% | 5,389 |
| Efficiency ratio | 262.9268% | 24 |
| Assets per employee ($millions) | 4.1228% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9458% | 357 |
| Loan loss allowance to noncurrent loans | 42.9241% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 14.9038% | 100 |
| Noncurrent loans to loans | 9.1925% | 320 |
| Net loans and leases to total assets | 73.7536% | 1,288 |
| Net loans and leases to deposits | 91.1340% | 1,033 |
| Net loans and leases to core deposits | 105.7343% | 759 |
| Total domestic deposits to total assets | 80.9288% | 5,493 |
| Equity capital to assets | 4.3615% | 7,123 |
| Core capital (leverage) ratio | 4.2699% | 7,112 |
| Tier 1 risk-based capital ratio | 7.1909% | 7,087 |
| Total risk-based capital ratio | 8.4865% | 7,084 |
| Memoranda: | ||
| Average total assets | $47,264,330 | 6,402 |
| Average earning assets | $40,374,670 | 6,464 |
| Average equity | $2,398,670 | 7,038 |
| Average total loans | $35,812,330 | 5,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 2,510 |
| Cost of funding earning assets | 1.2891% | 657 |
| Net interest margin | 3.5451% | 4,510 |
| Noninterest income to average assets | -1.5346% | 7,294 |
| Noninterest expense to average assets | 5.0103% | 360 |
| Loan and lease loss provision to assets | 1.4102% | 255 |
| Net operating income to assets | -4.9439% | 7,270 |
| Return on assets (ROA) | -4.9439% | 7,271 |
| Pretax return on assets | -4.9439% | 7,268 |
| Return on Equity (ROE) | -91.3760% | 7,264 |
| Retained earnings to average equity (ytd only) | -91.3760% | 7,260 |
| Net charge-offs to loans | 3.3712% | 195 |
| Credit loss provision to net charge-offs | 55.5556% | 3,190 |
| Earnings coverage of net charge-offs (x) | -1.3922% | 4,582 |
| Efficiency ratio | 339.3258% | 15 |
| Assets per employee ($millions) | 4.7505% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6084% | 495 |
| Loan loss allowance to noncurrent loans | 40.4349% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 15.1500% | 102 |
| Noncurrent loans to loans | 8.9240% | 388 |
| Net loans and leases to total assets | 72.1461% | 1,378 |
| Net loans and leases to deposits | 89.3736% | 1,025 |
| Net loans and leases to core deposits | 106.1577% | 666 |
| Total domestic deposits to total assets | 80.7241% | 5,671 |
| Equity capital to assets | 4.8626% | 7,148 |
| Core capital (leverage) ratio | 4.7788% | 7,135 |
| Tier 1 risk-based capital ratio | 7.9729% | 7,092 |
| Total risk-based capital ratio | 9.2614% | 7,093 |
| Memoranda: | ||
| Average total assets | $48,221,000 | 6,425 |
| Average earning assets | $40,958,000 | 6,493 |
| Average equity | $2,609,000 | 7,040 |
| Average total loans | $36,307,500 | 5,808 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 2,152 |
| Cost of funding earning assets | 1.3676% | 1,171 |
| Net interest margin | 3.8113% | 3,766 |
| Noninterest income to average assets | -0.5739% | 7,276 |
| Noninterest expense to average assets | 4.6319% | 512 |
| Loan and lease loss provision to assets | 2.3631% | 199 |
| Net operating income to assets | -4.2948% | 7,268 |
| Return on assets (ROA) | -4.1793% | 7,269 |
| Pretax return on assets | -4.1793% | 7,280 |
| Return on Equity (ROE) | -55.1041% | 7,223 |
| Retained earnings to average equity (ytd only) | -55.1041% | 7,221 |
| Net charge-offs to loans | 2.3461% | 527 |
| Credit loss provision to net charge-offs | 130.3932% | 2,348 |
| Earnings coverage of net charge-offs (x) | -1.0659% | 6,201 |
| Efficiency ratio | 171.5407% | 92 |
| Assets per employee ($millions) | 3.7644% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8290% | 427 |
| Loan loss allowance to noncurrent loans | 40.6590% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 15.9225% | 99 |
| Noncurrent loans to loans | 9.4174% | 358 |
| Net loans and leases to total assets | 72.8283% | 1,488 |
| Net loans and leases to deposits | 91.3776% | 1,026 |
| Net loans and leases to core deposits | 109.0175% | 652 |
| Total domestic deposits to total assets | 79.7004% | 5,817 |
| Equity capital to assets | 5.9423% | 7,099 |
| Core capital (leverage) ratio | 5.9327% | 7,062 |
| Tier 1 risk-based capital ratio | 9.3382% | 6,990 |
| Total risk-based capital ratio | 10.6277% | 6,979 |
| Memoranda: | ||
| Average total assets | $51,923,000 | 6,304 |
| Average earning assets | $44,604,200 | 6,373 |
| Average equity | $3,938,000 | 6,769 |
| Average total loans | $40,109,400 | 5,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 1,884 |
| Cost of funding earning assets | 1.3749% | 1,341 |
| Net interest margin | 3.9196% | 3,282 |
| Noninterest income to average assets | -0.9873% | 7,402 |
| Noninterest expense to average assets | 4.7642% | 456 |
| Loan and lease loss provision to assets | 2.1315% | 241 |
| Net operating income to assets | -4.4984% | 7,357 |
| Return on assets (ROA) | -4.3465% | 7,356 |
| Pretax return on assets | -4.3465% | 7,356 |
| Return on Equity (ROE) | -54.5651% | 7,306 |
| Retained earnings to average equity (ytd only) | -54.5651% | 7,302 |
| Net charge-offs to loans | 2.3846% | 475 |
| Credit loss provision to net charge-offs | 115.1847% | 2,838 |
| Earnings coverage of net charge-offs (x) | -1.2791% | 5,964 |
| Efficiency ratio | 198.7328% | 52 |
| Assets per employee ($millions) | 4.1241% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2734% | 677 |
| Loan loss allowance to noncurrent loans | 38.3477% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 15.8621% | 110 |
| Noncurrent loans to loans | 8.5362% | 496 |
| Net loans and leases to total assets | 74.2771% | 1,288 |
| Net loans and leases to deposits | 94.5253% | 793 |
| Net loans and leases to core deposits | 111.9745% | 609 |
| Total domestic deposits to total assets | 78.5791% | 6,080 |
| Equity capital to assets | 6.7914% | 7,091 |
| Core capital (leverage) ratio | 6.5267% | 7,069 |
| Tier 1 risk-based capital ratio | 10.2373% | 6,880 |
| Total risk-based capital ratio | 11.5181% | 6,854 |
| Memoranda: | ||
| Average total assets | $52,669,500 | 6,326 |
| Average earning assets | $45,479,500 | 6,401 |
| Average equity | $4,195,500 | 6,747 |
| Average total loans | $40,872,000 | 5,703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7715% | 761 |
| Cost of funding earning assets | 1.3593% | 1,602 |
| Net interest margin | 4.4123% | 1,335 |
| Noninterest income to average assets | -0.8934% | 7,470 |
| Noninterest expense to average assets | 4.8316% | 419 |
| Loan and lease loss provision to assets | 0.7110% | 1,327 |
| Net operating income to assets | -2.6056% | 7,275 |
| Return on assets (ROA) | -2.6056% | 7,280 |
| Pretax return on assets | -2.6056% | 7,262 |
| Return on Equity (ROE) | -31.2942% | 7,261 |
| Retained earnings to average equity (ytd only) | -31.2942% | 7,253 |
| Net charge-offs to loans | 0.8128% | 1,875 |
| Credit loss provision to net charge-offs | 112.3529% | 2,732 |
| Earnings coverage of net charge-offs (x) | -2.9941% | 5,751 |
| Efficiency ratio | 164.5120% | 110 |
| Assets per employee ($millions) | 4.3113% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 1,015 |
| Loan loss allowance to noncurrent loans | 24.6739% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 17.2436% | 101 |
| Noncurrent loans to loans | 11.6335% | 279 |
| Net loans and leases to total assets | 75.4789% | 1,159 |
| Net loans and leases to deposits | 97.4836% | 622 |
| Net loans and leases to core deposits | 114.8601% | 554 |
| Total domestic deposits to total assets | 77.4273% | 6,390 |
| Equity capital to assets | 8.4218% | 6,278 |
| Core capital (leverage) ratio | 8.1471% | 6,105 |
| Tier 1 risk-based capital ratio | 12.9550% | 4,949 |
| Total risk-based capital ratio | 14.2316% | 4,913 |
| Memoranda: | ||
| Average total assets | $53,729,670 | 6,340 |
| Average earning assets | $46,642,670 | 6,417 |
| Average equity | $4,473,670 | 6,687 |
| Average total loans | $41,828,330 | 5,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 1,270 |
| Cost of funding earning assets | 1.3542% | 1,860 |
| Net interest margin | 4.1550% | 2,063 |
| Noninterest income to average assets | 1.5641% | 532 |
| Noninterest expense to average assets | 4.6266% | 522 |
| Loan and lease loss provision to assets | 0.6578% | 1,303 |
| Net operating income to assets | -0.1096% | 6,468 |
| Return on assets (ROA) | -0.1096% | 6,487 |
| Pretax return on assets | -0.1096% | 6,459 |
| Return on Equity (ROE) | -1.3239% | 6,529 |
| Retained earnings to average equity (ytd only) | -1.3239% | 6,051 |
| Net charge-offs to loans | 0.6285% | 1,944 |
| Credit loss provision to net charge-offs | 134.3284% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.1194% | 3,827 |
| Efficiency ratio | 89.4068% | 1,383 |
| Assets per employee ($millions) | 3.0152% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7206% | 1,191 |
| Loan loss allowance to noncurrent loans | 18.0993% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 20.4849% | 60 |
| Noncurrent loans to loans | 15.0314% | 150 |
| Net loans and leases to total assets | 76.1599% | 1,014 |
| Net loans and leases to deposits | 102.2941% | 370 |
| Net loans and leases to core deposits | 116.1487% | 527 |
| Total domestic deposits to total assets | 74.4519% | 6,862 |
| Equity capital to assets | 8.2821% | 6,181 |
| Core capital (leverage) ratio | 8.2482% | 5,905 |
| Tier 1 risk-based capital ratio | 12.7378% | 5,026 |
| Total risk-based capital ratio | 14.0147% | 4,978 |
| Memoranda: | ||
| Average total assets | $54,727,000 | 6,354 |
| Average earning assets | $47,557,500 | 6,431 |
| Average equity | $4,532,000 | 6,701 |
| Average total loans | $42,641,000 | 5,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 1,626 |
| Cost of funding earning assets | 1.7436% | 1,403 |
| Net interest margin | 3.9413% | 3,299 |
| Noninterest income to average assets | 1.7245% | 504 |
| Noninterest expense to average assets | 4.4370% | 691 |
| Loan and lease loss provision to assets | 1.0269% | 1,574 |
| Net operating income to assets | -0.3736% | 6,287 |
| Return on assets (ROA) | -0.3683% | 6,308 |
| Pretax return on assets | -0.3683% | 6,221 |
| Return on Equity (ROE) | -4.3873% | 6,382 |
| Retained earnings to average equity (ytd only) | -4.3873% | 6,237 |
| Net charge-offs to loans | 1.1472% | 1,941 |
| Credit loss provision to net charge-offs | 112.1857% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.7137% | 5,398 |
| Efficiency ratio | 87.1652% | 1,556 |
| Assets per employee ($millions) | 2.2992% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6478% | 1,230 |
| Loan loss allowance to noncurrent loans | 18.2067% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 20.6615% | 62 |
| Noncurrent loans to loans | 14.5428% | 179 |
| Net loans and leases to total assets | 75.4947% | 1,377 |
| Net loans and leases to deposits | 101.5306% | 504 |
| Net loans and leases to core deposits | 112.0080% | 814 |
| Total domestic deposits to total assets | 74.3567% | 6,847 |
| Equity capital to assets | 8.2802% | 6,170 |
| Core capital (leverage) ratio | 8.0302% | 6,153 |
| Tier 1 risk-based capital ratio | 12.4932% | 5,028 |
| Total risk-based capital ratio | 13.7660% | 4,996 |
| Memoranda: | ||
| Average total assets | $56,479,200 | 6,328 |
| Average earning assets | $48,232,600 | 6,423 |
| Average equity | $4,741,000 | 6,748 |
| Average total loans | $45,068,000 | 5,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0195% | 902 |
| Cost of funding earning assets | 1.8061% | 1,391 |
| Net interest margin | 4.2134% | 2,176 |
| Noninterest income to average assets | 1.4506% | 643 |
| Noninterest expense to average assets | 4.1616% | 870 |
| Loan and lease loss provision to assets | 1.1501% | 1,265 |
| Net operating income to assets | -0.2746% | 6,403 |
| Return on assets (ROA) | -0.2676% | 6,448 |
| Pretax return on assets | -0.2676% | 6,384 |
| Return on Equity (ROE) | -3.1773% | 6,511 |
| Retained earnings to average equity (ytd only) | -3.1773% | 6,375 |
| Net charge-offs to loans | 1.3936% | 1,456 |
| Credit loss provision to net charge-offs | 102.7254% | 4,187 |
| Earnings coverage of net charge-offs (x) | 0.7820% | 5,272 |
| Efficiency ratio | 82.6188% | 1,993 |
| Assets per employee ($millions) | 1.7850% | 7,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4767% | 1,363 |
| Loan loss allowance to noncurrent loans | 19.6659% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 19.0637% | 72 |
| Noncurrent loans to loans | 12.5938% | 252 |
| Net loans and leases to total assets | 74.6599% | 1,648 |
| Net loans and leases to deposits | 98.9994% | 721 |
| Net loans and leases to core deposits | 103.3217% | 1,541 |
| Total domestic deposits to total assets | 75.4145% | 6,755 |
| Equity capital to assets | 8.3580% | 6,442 |
| Core capital (leverage) ratio | 8.0449% | 6,283 |
| Tier 1 risk-based capital ratio | 12.4248% | 5,058 |
| Total risk-based capital ratio | 13.6944% | 5,005 |
| Memoranda: | ||
| Average total assets | $56,804,000 | 6,393 |
| Average earning assets | $48,352,500 | 6,494 |
| Average equity | $4,784,000 | 6,817 |
| Average total loans | $45,637,250 | 5,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 2,863 |
| Cost of funding earning assets | 1.8180% | 1,578 |
| Net interest margin | 3.6074% | 4,780 |
| Noninterest income to average assets | 1.2734% | 797 |
| Noninterest expense to average assets | 3.3193% | 2,504 |
| Loan and lease loss provision to assets | 1.4110% | 946 |
| Net operating income to assets | -0.3563% | 6,529 |
| Return on assets (ROA) | -0.3457% | 6,558 |
| Pretax return on assets | -0.3457% | 6,466 |
| Return on Equity (ROE) | -4.0941% | 6,626 |
| Retained earnings to average equity (ytd only) | -4.0941% | 6,452 |
| Net charge-offs to loans | 1.7937% | 1,040 |
| Credit loss provision to net charge-offs | 96.3855% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.7205% | 5,029 |
| Efficiency ratio | 75.8871% | 3,096 |
| Assets per employee ($millions) | 3.4141% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3929% | 1,437 |
| Loan loss allowance to noncurrent loans | 24.6957% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 16.4628% | 106 |
| Noncurrent loans to loans | 9.6897% | 466 |
| Net loans and leases to total assets | 74.1437% | 1,879 |
| Net loans and leases to deposits | 98.7743% | 814 |
| Net loans and leases to core deposits | 103.6490% | 1,675 |
| Total domestic deposits to total assets | 75.0637% | 6,846 |
| Equity capital to assets | 8.2116% | 6,528 |
| Core capital (leverage) ratio | 8.0309% | 6,232 |
| Tier 1 risk-based capital ratio | 12.6567% | 4,727 |
| Total risk-based capital ratio | 13.9264% | 4,686 |
| Memoranda: | ||
| Average total assets | $56,699,000 | 6,441 |
| Average earning assets | $48,733,670 | 6,517 |
| Average equity | $4,787,330 | 6,846 |
| Average total loans | $46,273,670 | 5,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 2,370 |
| Cost of funding earning assets | 1.8139% | 1,819 |
| Net interest margin | 3.7339% | 4,084 |
| Noninterest income to average assets | 1.3136% | 698 |
| Noninterest expense to average assets | 3.2983% | 2,537 |
| Loan and lease loss provision to assets | 0.6425% | 1,973 |
| Net operating income to assets | 0.6354% | 3,728 |
| Return on assets (ROA) | 0.6354% | 3,849 |
| Pretax return on assets | 0.6354% | 4,471 |
| Return on Equity (ROE) | 7.4198% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.4198% | 1,964 |
| Net charge-offs to loans | 0.1605% | 3,963 |
| Credit loss provision to net charge-offs | 473.6842% | 892 |
| Earnings coverage of net charge-offs (x) | 9.4211% | 1,854 |
| Efficiency ratio | 72.0749% | 3,916 |
| Assets per employee ($millions) | 2.8117% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4147% | 1,403 |
| Loan loss allowance to noncurrent loans | 25.3162% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 14.2407% | 157 |
| Noncurrent loans to loans | 9.5382% | 460 |
| Net loans and leases to total assets | 81.9999% | 592 |
| Net loans and leases to deposits | 112.5043% | 244 |
| Net loans and leases to core deposits | 116.9558% | 909 |
| Total domestic deposits to total assets | 72.8860% | 7,176 |
| Equity capital to assets | 8.6426% | 5,811 |
| Core capital (leverage) ratio | 8.5070% | 5,360 |
| Tier 1 risk-based capital ratio | 13.3033% | 4,123 |
| Total risk-based capital ratio | 14.5268% | 4,092 |
| Memoranda: | ||
| Average total assets | $56,028,500 | 6,533 |
| Average earning assets | $48,956,500 | 6,591 |
| Average equity | $4,798,000 | 6,911 |
| Average total loans | $47,366,500 | 5,785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 2,030 |
| Cost of funding earning assets | 2.4522% | 1,150 |
| Net interest margin | 3.5039% | 4,940 |
| Noninterest income to average assets | 0.4966% | 4,444 |
| Noninterest expense to average assets | 3.2269% | 3,285 |
| Loan and lease loss provision to assets | 1.4745% | 1,562 |
| Net operating income to assets | -1.0542% | 6,616 |
| Return on assets (ROA) | -1.0542% | 6,619 |
| Pretax return on assets | -1.0542% | 6,454 |
| Return on Equity (ROE) | -12.9249% | 6,822 |
| Retained earnings to average equity (ytd only) | -12.9249% | 6,747 |
| Net charge-offs to loans | 0.9843% | 2,441 |
| Credit loss provision to net charge-offs | 178.6448% | 2,334 |
| Earnings coverage of net charge-offs (x) | 0.5092% | 5,607 |
| Efficiency ratio | 88.4758% | 1,842 |
| Assets per employee ($millions) | 3.2838% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2535% | 1,560 |
| Loan loss allowance to noncurrent loans | 24.6714% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 14.6353% | 147 |
| Noncurrent loans to loans | 9.1342% | 486 |
| Net loans and leases to total assets | 83.1381% | 529 |
| Net loans and leases to deposits | 112.8123% | 299 |
| Net loans and leases to core deposits | 139.3556% | 834 |
| Total domestic deposits to total assets | 73.6959% | 7,058 |
| Equity capital to assets | 8.4838% | 5,909 |
| Core capital (leverage) ratio | 8.3190% | 5,581 |
| Tier 1 risk-based capital ratio | 13.0381% | 4,123 |
| Total risk-based capital ratio | 14.2569% | 4,084 |
| Memoranda: | ||
| Average total assets | $59,003,600 | 6,386 |
| Average earning assets | $53,054,800 | 6,409 |
| Average equity | $4,812,400 | 7,017 |
| Average total loans | $49,478,800 | 5,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8905% | 2,493 |
| Cost of funding earning assets | 2.5736% | 1,096 |
| Net interest margin | 3.3170% | 5,576 |
| Noninterest income to average assets | 0.3634% | 5,595 |
| Noninterest expense to average assets | 3.1059% | 3,632 |
| Loan and lease loss provision to assets | 1.7391% | 1,059 |
| Net operating income to assets | -1.4872% | 7,105 |
| Return on assets (ROA) | -1.4872% | 7,104 |
| Pretax return on assets | -1.4872% | 6,957 |
| Return on Equity (ROE) | -18.4065% | 7,320 |
| Retained earnings to average equity (ytd only) | -18.4065% | 7,285 |
| Net charge-offs to loans | 1.1525% | 1,755 |
| Credit loss provision to net charge-offs | 180.5556% | 2,534 |
| Earnings coverage of net charge-offs (x) | 0.2616% | 5,752 |
| Efficiency ratio | 92.4967% | 1,504 |
| Assets per employee ($millions) | 3.6080% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 1,550 |
| Loan loss allowance to noncurrent loans | 20.5276% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 14.8611% | 122 |
| Noncurrent loans to loans | 10.3689% | 374 |
| Net loans and leases to total assets | 82.4401% | 750 |
| Net loans and leases to deposits | 113.7643% | 335 |
| Net loans and leases to core deposits | 147.2129% | 654 |
| Total domestic deposits to total assets | 72.4657% | 7,153 |
| Equity capital to assets | 8.2144% | 6,622 |
| Core capital (leverage) ratio | 8.0052% | 6,346 |
| Tier 1 risk-based capital ratio | 12.1009% | 4,875 |
| Total risk-based capital ratio | 13.3679% | 4,810 |
| Memoranda: | ||
| Average total assets | $59,798,500 | 6,399 |
| Average earning assets | $53,983,750 | 6,422 |
| Average equity | $4,831,500 | 7,068 |
| Average total loans | $49,978,250 | 5,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 3,768 |
| Cost of funding earning assets | 2.6277% | 1,215 |
| Net interest margin | 3.0317% | 6,460 |
| Noninterest income to average assets | 0.5489% | 4,048 |
| Noninterest expense to average assets | 2.9262% | 4,405 |
| Loan and lease loss provision to assets | 2.2814% | 702 |
| Net operating income to assets | -1.9045% | 7,403 |
| Return on assets (ROA) | -1.9045% | 7,394 |
| Pretax return on assets | -1.9045% | 7,251 |
| Return on Equity (ROE) | -23.6972% | 7,603 |
| Retained earnings to average equity (ytd only) | -23.6972% | 7,566 |
| Net charge-offs to loans | 1.0549% | 1,705 |
| Credit loss provision to net charge-offs | 259.3985% | 1,793 |
| Earnings coverage of net charge-offs (x) | 0.4286% | 5,265 |
| Efficiency ratio | 88.5886% | 1,942 |
| Assets per employee ($millions) | 5.0233% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2265% | 1,198 |
| Loan loss allowance to noncurrent loans | 25.9277% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 13.2733% | 141 |
| Noncurrent loans to loans | 8.5875% | 478 |
| Net loans and leases to total assets | 80.9353% | 1,153 |
| Net loans and leases to deposits | 112.5707% | 459 |
| Net loans and leases to core deposits | 151.2775% | 618 |
| Total domestic deposits to total assets | 71.8973% | 7,251 |
| Equity capital to assets | 7.6411% | 7,140 |
| Core capital (leverage) ratio | 7.6719% | 6,797 |
| Tier 1 risk-based capital ratio | 12.1626% | 4,792 |
| Total risk-based capital ratio | 13.4320% | 4,683 |
| Memoranda: | ||
| Average total assets | $60,488,670 | 6,432 |
| Average earning assets | $54,952,000 | 6,430 |
| Average equity | $4,861,330 | 7,119 |
| Average total loans | $50,429,000 | 5,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 2,318 |
| Cost of funding earning assets | 2.7383% | 1,144 |
| Net interest margin | 3.2716% | 5,614 |
| Noninterest income to average assets | 0.5479% | 3,941 |
| Noninterest expense to average assets | 2.6736% | 5,130 |
| Loan and lease loss provision to assets | 3.9608% | 241 |
| Net operating income to assets | -3.0894% | 7,857 |
| Return on assets (ROA) | -3.0894% | 7,859 |
| Pretax return on assets | -3.0894% | 7,775 |
| Return on Equity (ROE) | -37.5225% | 7,964 |
| Retained earnings to average equity (ytd only) | -37.5225% | 7,937 |
| Net charge-offs to loans | 1.5307% | 945 |
| Credit loss provision to net charge-offs | 309.2784% | 1,577 |
| Earnings coverage of net charge-offs (x) | 0.6804% | 4,464 |
| Efficiency ratio | 75.4190% | 3,579 |
| Assets per employee ($millions) | 4.9942% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1922% | 1,094 |
| Loan loss allowance to noncurrent loans | 34.2419% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 9.8765% | 234 |
| Noncurrent loans to loans | 6.4022% | 707 |
| Net loans and leases to total assets | 81.3699% | 1,125 |
| Net loans and leases to deposits | 113.2095% | 471 |
| Net loans and leases to core deposits | 153.5277% | 612 |
| Total domestic deposits to total assets | 71.8755% | 7,228 |
| Equity capital to assets | 7.9626% | 6,866 |
| Core capital (leverage) ratio | 7.7310% | 6,847 |
| Tier 1 risk-based capital ratio | 12.6078% | 4,466 |
| Total risk-based capital ratio | 13.8776% | 4,370 |
| Memoranda: | ||
| Average total assets | $60,593,500 | 6,452 |
| Average earning assets | $55,508,500 | 6,434 |
| Average equity | $4,989,000 | 7,115 |
| Average total loans | $50,694,500 | 5,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8293% | 1,590 |
| Cost of funding earning assets | 3.3870% | 730 |
| Net interest margin | 3.4424% | 5,497 |
| Noninterest income to average assets | 0.2138% | 6,909 |
| Noninterest expense to average assets | 3.1725% | 3,440 |
| Loan and lease loss provision to assets | 0.4638% | 2,980 |
| Net operating income to assets | -0.2610% | 6,697 |
| Return on assets (ROA) | -0.2610% | 6,540 |
| Pretax return on assets | -0.2971% | 6,459 |
| Return on Equity (ROE) | -3.1727% | 6,641 |
| Retained earnings to average equity (ytd only) | -3.1727% | 6,145 |
| Net charge-offs to loans | 0.8809% | 1,406 |
| Credit loss provision to net charge-offs | 62.6327% | 6,195 |
| Earnings coverage of net charge-offs (x) | 0.2251% | 6,099 |
| Efficiency ratio | 95.0094% | 1,219 |
| Assets per employee ($millions) | 5.1048% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,575 |
| Loan loss allowance to noncurrent loans | 22.9920% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 9.0275% | 222 |
| Noncurrent loans to loans | 5.7985% | 647 |
| Net loans and leases to total assets | 83.0011% | 1,046 |
| Net loans and leases to deposits | 118.9723% | 411 |
| Net loans and leases to core deposits | 158.8428% | 598 |
| Total domestic deposits to total assets | 69.7651% | 7,304 |
| Equity capital to assets | 8.4986% | 6,086 |
| Core capital (leverage) ratio | 8.3351% | 5,882 |
| Tier 1 risk-based capital ratio | 13.1082% | 4,054 |
| Total risk-based capital ratio | 14.3646% | 3,960 |
| Memoranda: | ||
| Average total assets | $63,610,000 | 6,246 |
| Average earning assets | $57,750,800 | 6,273 |
| Average equity | $5,232,200 | 7,074 |
| Average total loans | $53,467,200 | 5,550 |