Home > Community Bank of San Joaquin > Performance and Condition Ratios
Community Bank of San Joaquin, 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 | 3.5017% | 5,420 |
| Cost of funding earning assets | 0.2456% | 5,628 |
| Net interest margin | 3.2561% | 4,720 |
| Noninterest income to average assets | 0.5719% | 2,903 |
| Noninterest expense to average assets | 3.7944% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1124% | 6,294 |
| Return on assets (ROA) | -0.1124% | 6,304 |
| Pretax return on assets | -0.1124% | 6,291 |
| Return on Equity (ROE) | -1.6258% | 6,338 |
| Retained earnings to average equity (ytd only) | -1.6258% | 5,814 |
| Net charge-offs to loans | -0.1204% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0541% | 398 |
| Assets per employee ($millions) | 4.5772% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2684% | 336 |
| Loan loss allowance to noncurrent loans | 115.2137% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 2,497 |
| Noncurrent loans to loans | 2.8368% | 1,162 |
| Net loans and leases to total assets | 48.4225% | 5,068 |
| Net loans and leases to deposits | 54.0729% | 5,281 |
| Net loans and leases to core deposits | 57.7496% | 5,221 |
| Total domestic deposits to total assets | 89.5505% | 1,343 |
| Equity capital to assets | 6.8010% | 6,487 |
| Core capital (leverage) ratio | 7.0034% | 6,470 |
| Tier 1 risk-based capital ratio | 14.2756% | 4,149 |
| Total risk-based capital ratio | 15.5528% | 4,079 |
| Memoranda: | ||
| Average total assets | $124,500,000 | 4,183 |
| Average earning assets | $118,913,500 | 4,070 |
| Average equity | $8,611,000 | 5,149 |
| Average total loans | $63,131,000 | 4,490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 5,341 |
| Cost of funding earning assets | 0.4666% | 3,947 |
| Net interest margin | 3.1606% | 5,125 |
| Noninterest income to average assets | 0.5543% | 3,372 |
| Noninterest expense to average assets | 3.8165% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2502% | 6,391 |
| Return on assets (ROA) | -0.1220% | 6,337 |
| Pretax return on assets | -0.1212% | 6,305 |
| Return on Equity (ROE) | -1.6815% | 6,364 |
| Retained earnings to average equity (ytd only) | -1.6815% | 6,142 |
| Net charge-offs to loans | -0.1754% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9910% | 320 |
| Assets per employee ($millions) | 4.8237% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1104% | 413 |
| Loan loss allowance to noncurrent loans | 194.4660% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 3,835 |
| Noncurrent loans to loans | 1.5995% | 2,507 |
| Net loans and leases to total assets | 49.7500% | 5,110 |
| Net loans and leases to deposits | 55.6106% | 5,337 |
| Net loans and leases to core deposits | 59.5675% | 5,249 |
| Total domestic deposits to total assets | 89.4614% | 1,357 |
| Equity capital to assets | 7.0303% | 6,448 |
| Core capital (leverage) ratio | 6.8907% | 6,542 |
| Tier 1 risk-based capital ratio | 12.9635% | 4,996 |
| Total risk-based capital ratio | 14.2369% | 4,934 |
| Memoranda: | ||
| Average total assets | $127,919,800 | 4,114 |
| Average earning assets | $121,940,400 | 4,016 |
| Average equity | $9,277,200 | 5,024 |
| Average total loans | $64,997,600 | 4,439 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 5,423 |
| Cost of funding earning assets | 0.5351% | 3,417 |
| Net interest margin | 3.0723% | 5,393 |
| Noninterest income to average assets | 0.5394% | 3,526 |
| Noninterest expense to average assets | 3.8916% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4232% | 6,573 |
| Return on assets (ROA) | -0.2624% | 6,516 |
| Pretax return on assets | -0.2614% | 6,495 |
| Return on Equity (ROE) | -3.5915% | 6,552 |
| Retained earnings to average equity (ytd only) | -3.5915% | 6,406 |
| Net charge-offs to loans | -0.2047% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1674% | 235 |
| Assets per employee ($millions) | 4.5577% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0687% | 508 |
| Loan loss allowance to noncurrent loans | 155.2693% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 3,500 |
| Noncurrent loans to loans | 1.9764% | 2,279 |
| Net loans and leases to total assets | 53.0186% | 4,749 |
| Net loans and leases to deposits | 59.7516% | 5,003 |
| Net loans and leases to core deposits | 64.7187% | 4,824 |
| Total domestic deposits to total assets | 88.7316% | 1,707 |
| Equity capital to assets | 7.4743% | 6,406 |
| Core capital (leverage) ratio | 7.1297% | 6,562 |
| Tier 1 risk-based capital ratio | 13.2373% | 4,956 |
| Total risk-based capital ratio | 14.5119% | 4,876 |
| Memoranda: | ||
| Average total assets | $128,546,000 | 4,148 |
| Average earning assets | $122,597,000 | 4,043 |
| Average equity | $9,392,250 | 5,057 |
| Average total loans | $65,147,750 | 4,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 5,589 |
| Cost of funding earning assets | 0.4724% | 4,177 |
| Net interest margin | 3.0763% | 5,346 |
| Noninterest income to average assets | 0.5004% | 3,828 |
| Noninterest expense to average assets | 3.7045% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2729% | 6,534 |
| Return on assets (ROA) | -0.0379% | 6,397 |
| Pretax return on assets | -0.0364% | 6,386 |
| Return on Equity (ROE) | -0.5224% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.5224% | 5,964 |
| Net charge-offs to loans | -0.2053% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9064% | 311 |
| Assets per employee ($millions) | 4.4184% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9988% | 585 |
| Loan loss allowance to noncurrent loans | 144.8889% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 3,550 |
| Noncurrent loans to loans | 2.0697% | 2,312 |
| Net loans and leases to total assets | 51.1417% | 4,982 |
| Net loans and leases to deposits | 61.7383% | 4,769 |
| Net loans and leases to core deposits | 66.9985% | 4,592 |
| Total domestic deposits to total assets | 82.8364% | 4,770 |
| Equity capital to assets | 7.4259% | 6,468 |
| Core capital (leverage) ratio | 7.1948% | 6,565 |
| Tier 1 risk-based capital ratio | 13.2846% | 4,929 |
| Total risk-based capital ratio | 14.5567% | 4,855 |
| Memoranda: | ||
| Average total assets | $131,894,670 | 4,105 |
| Average earning assets | $125,735,330 | 3,994 |
| Average equity | $9,570,670 | 5,044 |
| Average total loans | $65,258,330 | 4,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 5,713 |
| Cost of funding earning assets | 0.4671% | 4,406 |
| Net interest margin | 3.0284% | 5,490 |
| Noninterest income to average assets | 0.5148% | 3,681 |
| Noninterest expense to average assets | 3.6269% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2324% | 6,532 |
| Return on assets (ROA) | -0.2118% | 6,561 |
| Pretax return on assets | -0.2118% | 6,553 |
| Return on Equity (ROE) | -2.9501% | 6,609 |
| Retained earnings to average equity (ytd only) | -2.9501% | 6,184 |
| Net charge-offs to loans | -0.3799% | 6,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8458% | 376 |
| Assets per employee ($millions) | 4.6026% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0402% | 631 |
| Loan loss allowance to noncurrent loans | 184.7538% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 4,397 |
| Noncurrent loans to loans | 1.6456% | 3,075 |
| Net loans and leases to total assets | 46.6166% | 5,371 |
| Net loans and leases to deposits | 55.6607% | 5,279 |
| Net loans and leases to core deposits | 60.1894% | 5,130 |
| Total domestic deposits to total assets | 83.7514% | 4,572 |
| Equity capital to assets | 7.2747% | 6,651 |
| Core capital (leverage) ratio | 6.6844% | 6,721 |
| Tier 1 risk-based capital ratio | 12.6223% | 5,500 |
| Total risk-based capital ratio | 13.8935% | 5,429 |
| Memoranda: | ||
| Average total assets | $135,984,500 | 4,063 |
| Average earning assets | $129,307,500 | 3,957 |
| Average equity | $9,762,500 | 5,048 |
| Average total loans | $65,274,500 | 4,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 5,594 |
| Cost of funding earning assets | 0.5733% | 4,605 |
| Net interest margin | 3.3179% | 5,194 |
| Noninterest income to average assets | 1.2459% | 1,002 |
| Noninterest expense to average assets | 3.9303% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4222% | 4,999 |
| Return on assets (ROA) | 0.4749% | 5,035 |
| Pretax return on assets | 0.4757% | 5,353 |
| Return on Equity (ROE) | 6.4669% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.4669% | 1,839 |
| Net charge-offs to loans | 0.6320% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.3104% | 4,811 |
| Efficiency ratio | 90.2846% | 1,040 |
| Assets per employee ($millions) | 4.6164% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8459% | 789 |
| Loan loss allowance to noncurrent loans | 177.5376% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 4,316 |
| Noncurrent loans to loans | 1.6030% | 3,222 |
| Net loans and leases to total assets | 46.5634% | 5,563 |
| Net loans and leases to deposits | 55.2507% | 5,523 |
| Net loans and leases to core deposits | 59.7866% | 5,383 |
| Total domestic deposits to total assets | 84.2765% | 4,194 |
| Equity capital to assets | 7.0870% | 6,760 |
| Core capital (leverage) ratio | 6.6914% | 6,760 |
| Tier 1 risk-based capital ratio | 12.0051% | 5,788 |
| Total risk-based capital ratio | 13.2725% | 5,726 |
| Memoranda: | ||
| Average total assets | $130,752,200 | 4,134 |
| Average earning assets | $122,455,400 | 4,057 |
| Average equity | $9,602,800 | 5,076 |
| Average total loans | $66,777,000 | 4,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 5,644 |
| Cost of funding earning assets | 0.5981% | 4,671 |
| Net interest margin | 3.3570% | 5,193 |
| Noninterest income to average assets | 1.4718% | 690 |
| Noninterest expense to average assets | 4.0936% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5144% | 4,786 |
| Return on assets (ROA) | 0.5858% | 4,730 |
| Pretax return on assets | 0.5869% | 5,211 |
| Return on Equity (ROE) | 7.9023% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.9023% | 1,657 |
| Net charge-offs to loans | 0.8054% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.2327% | 4,673 |
| Efficiency ratio | 88.8165% | 1,126 |
| Assets per employee ($millions) | 3.9787% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8091% | 879 |
| Loan loss allowance to noncurrent loans | 186.5949% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 3,008 |
| Noncurrent loans to loans | 1.5054% | 3,529 |
| Net loans and leases to total assets | 53.4944% | 4,823 |
| Net loans and leases to deposits | 64.9525% | 4,600 |
| Net loans and leases to core deposits | 72.0290% | 4,247 |
| Total domestic deposits to total assets | 82.3593% | 4,892 |
| Equity capital to assets | 7.9325% | 6,625 |
| Core capital (leverage) ratio | 7.2932% | 6,715 |
| Tier 1 risk-based capital ratio | 11.9879% | 5,940 |
| Total risk-based capital ratio | 13.2556% | 5,920 |
| Memoranda: | ||
| Average total assets | $128,817,000 | 4,214 |
| Average earning assets | $120,382,750 | 4,144 |
| Average equity | $9,549,750 | 5,140 |
| Average total loans | $66,877,250 | 4,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 5,945 |
| Cost of funding earning assets | 0.6089% | 4,824 |
| Net interest margin | 3.2763% | 5,516 |
| Noninterest income to average assets | 1.7376% | 505 |
| Noninterest expense to average assets | 3.9604% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8236% | 3,284 |
| Return on assets (ROA) | 0.9216% | 3,068 |
| Pretax return on assets | 0.9231% | 3,990 |
| Return on Equity (ROE) | 12.7116% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.7116% | 475 |
| Net charge-offs to loans | 1.3315% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.2167% | 4,398 |
| Efficiency ratio | 82.7575% | 1,781 |
| Assets per employee ($millions) | 4.2955% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7572% | 985 |
| Loan loss allowance to noncurrent loans | 691.8519% | 565 |
| Noncurrent assets plus other real estate owned to assets | 1.4519% | 3,533 |
| Noncurrent loans to loans | 0.3985% | 5,738 |
| Net loans and leases to total assets | 51.1252% | 5,205 |
| Net loans and leases to deposits | 61.7298% | 5,034 |
| Net loans and leases to core deposits | 68.0680% | 4,776 |
| Total domestic deposits to total assets | 82.8209% | 4,815 |
| Equity capital to assets | 7.5691% | 6,772 |
| Core capital (leverage) ratio | 7.2108% | 6,750 |
| Tier 1 risk-based capital ratio | 12.6239% | 5,475 |
| Total risk-based capital ratio | 13.8930% | 5,441 |
| Memoranda: | ||
| Average total assets | $130,642,670 | 4,193 |
| Average earning assets | $121,540,330 | 4,135 |
| Average equity | $9,471,670 | 5,159 |
| Average total loans | $66,540,670 | 4,542 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 6,069 |
| Cost of funding earning assets | 0.6157% | 5,005 |
| Net interest margin | 3.2651% | 5,597 |
| Noninterest income to average assets | 2.9225% | 254 |
| Noninterest expense to average assets | 4.1694% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7851% | 612 |
| Return on assets (ROA) | 1.7882% | 685 |
| Pretax return on assets | 1.7882% | 1,101 |
| Return on Equity (ROE) | 25.2077% | 180 |
| Retained earnings to average equity (ytd only) | 25.2077% | 91 |
| Net charge-offs to loans | -1.2740% | 7,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0204% | 3,803 |
| Assets per employee ($millions) | 4.5306% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9841% | 375 |
| Loan loss allowance to noncurrent loans | 332.1476% | 999 |
| Noncurrent assets plus other real estate owned to assets | 3.2344% | 1,782 |
| Noncurrent loans to loans | 1.1995% | 4,331 |
| Net loans and leases to total assets | 47.8937% | 5,571 |
| Net loans and leases to deposits | 57.9711% | 5,376 |
| Net loans and leases to core deposits | 65.1791% | 4,998 |
| Total domestic deposits to total assets | 82.6165% | 5,072 |
| Equity capital to assets | 7.5921% | 6,747 |
| Core capital (leverage) ratio | 6.9589% | 6,852 |
| Tier 1 risk-based capital ratio | 12.3726% | 5,704 |
| Total risk-based capital ratio | 13.6527% | 5,641 |
| Memoranda: | ||
| Average total assets | $131,531,000 | 4,200 |
| Average earning assets | $122,139,500 | 4,147 |
| Average equity | $9,330,500 | 5,208 |
| Average total loans | $65,935,500 | 4,588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 5,975 |
| Cost of funding earning assets | 0.7038% | 5,513 |
| Net interest margin | 3.5267% | 5,038 |
| Noninterest income to average assets | 0.8723% | 1,763 |
| Noninterest expense to average assets | 4.2508% | 759 |
| Loan and lease loss provision to assets | 0.6374% | 1,605 |
| Net operating income to assets | -0.7301% | 6,621 |
| Return on assets (ROA) | -0.5207% | 6,545 |
| Pretax return on assets | -0.5200% | 6,506 |
| Return on Equity (ROE) | -7.5096% | 6,659 |
| Retained earnings to average equity (ytd only) | -7.5096% | 6,602 |
| Net charge-offs to loans | 1.9065% | 753 |
| Credit loss provision to net charge-offs | 60.5727% | 5,155 |
| Earnings coverage of net charge-offs (x) | -0.0874% | 5,892 |
| Efficiency ratio | 102.2107% | 618 |
| Assets per employee ($millions) | 4.5402% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3691% | 584 |
| Loan loss allowance to noncurrent loans | 59.2412% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9404% | 2,043 |
| Noncurrent loans to loans | 5.6871% | 914 |
| Net loans and leases to total assets | 48.6638% | 5,758 |
| Net loans and leases to deposits | 57.5273% | 5,751 |
| Net loans and leases to core deposits | 64.4519% | 5,423 |
| Total domestic deposits to total assets | 84.5925% | 4,047 |
| Equity capital to assets | 6.6297% | 7,033 |
| Core capital (leverage) ratio | 6.5995% | 6,960 |
| Tier 1 risk-based capital ratio | 10.9151% | 6,492 |
| Total risk-based capital ratio | 12.1885% | 6,464 |
| Memoranda: | ||
| Average total assets | $129,434,400 | 4,181 |
| Average earning assets | $120,623,000 | 4,121 |
| Average equity | $8,975,200 | 5,283 |
| Average total loans | $71,439,400 | 4,431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 5,808 |
| Cost of funding earning assets | 0.7268% | 5,615 |
| Net interest margin | 3.6148% | 4,709 |
| Noninterest income to average assets | 1.0062% | 1,322 |
| Noninterest expense to average assets | 4.3493% | 675 |
| Loan and lease loss provision to assets | 0.8611% | 1,060 |
| Net operating income to assets | -0.8360% | 6,813 |
| Return on assets (ROA) | -0.5532% | 6,712 |
| Pretax return on assets | -0.5521% | 6,655 |
| Return on Equity (ROE) | -7.8854% | 6,808 |
| Retained earnings to average equity (ytd only) | -7.8854% | 6,760 |
| Net charge-offs to loans | 1.6761% | 828 |
| Credit loss provision to net charge-offs | 90.9592% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.0276% | 5,580 |
| Efficiency ratio | 99.4036% | 677 |
| Assets per employee ($millions) | 4.3328% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8560% | 437 |
| Loan loss allowance to noncurrent loans | 63.2518% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 4.8053% | 1,216 |
| Noncurrent loans to loans | 6.0962% | 908 |
| Net loans and leases to total assets | 54.8873% | 5,013 |
| Net loans and leases to deposits | 65.9567% | 4,910 |
| Net loans and leases to core deposits | 75.1184% | 4,310 |
| Total domestic deposits to total assets | 83.2171% | 4,601 |
| Equity capital to assets | 7.2868% | 6,990 |
| Core capital (leverage) ratio | 6.7040% | 7,033 |
| Tier 1 risk-based capital ratio | 10.5496% | 6,756 |
| Total risk-based capital ratio | 11.8290% | 6,729 |
| Memoranda: | ||
| Average total assets | $127,741,500 | 4,236 |
| Average earning assets | $119,064,500 | 4,176 |
| Average equity | $8,961,500 | 5,317 |
| Average total loans | $72,150,750 | 4,447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 6,018 |
| Cost of funding earning assets | 0.7411% | 5,726 |
| Net interest margin | 3.5605% | 4,881 |
| Noninterest income to average assets | 0.6929% | 2,595 |
| Noninterest expense to average assets | 4.2433% | 792 |
| Loan and lease loss provision to assets | 1.2068% | 643 |
| Net operating income to assets | -1.4373% | 7,078 |
| Return on assets (ROA) | -1.0293% | 6,959 |
| Pretax return on assets | -1.0277% | 6,905 |
| Return on Equity (ROE) | -14.8595% | 7,059 |
| Retained earnings to average equity (ytd only) | -14.8595% | 7,031 |
| Net charge-offs to loans | 2.3184% | 544 |
| Credit loss provision to net charge-offs | 92.4821% | 3,389 |
| Earnings coverage of net charge-offs (x) | -0.1754% | 5,391 |
| Efficiency ratio | 105.7021% | 565 |
| Assets per employee ($millions) | 4.2212% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7669% | 481 |
| Loan loss allowance to noncurrent loans | 60.1512% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 5.0105% | 1,221 |
| Noncurrent loans to loans | 6.2623% | 918 |
| Net loans and leases to total assets | 56.1843% | 4,966 |
| Net loans and leases to deposits | 67.1185% | 4,834 |
| Net loans and leases to core deposits | 76.0708% | 4,309 |
| Total domestic deposits to total assets | 83.7091% | 4,472 |
| Equity capital to assets | 6.8757% | 7,131 |
| Core capital (leverage) ratio | 6.5048% | 7,124 |
| Tier 1 risk-based capital ratio | 10.0070% | 6,968 |
| Total risk-based capital ratio | 11.2858% | 6,960 |
| Memoranda: | ||
| Average total assets | $128,438,000 | 4,258 |
| Average earning assets | $119,816,000 | 4,189 |
| Average equity | $8,896,670 | 5,351 |
| Average total loans | $72,290,000 | 4,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 6,256 |
| Cost of funding earning assets | 0.7516% | 5,845 |
| Net interest margin | 3.4615% | 5,177 |
| Noninterest income to average assets | 0.4670% | 4,138 |
| Noninterest expense to average assets | 4.2493% | 772 |
| Loan and lease loss provision to assets | 1.4071% | 467 |
| Net operating income to assets | -1.9422% | 7,273 |
| Return on assets (ROA) | -1.1319% | 7,084 |
| Pretax return on assets | -1.1319% | 7,035 |
| Return on Equity (ROE) | -16.2820% | 7,168 |
| Retained earnings to average equity (ytd only) | -16.2820% | 7,073 |
| Net charge-offs to loans | 4.1585% | 212 |
| Credit loss provision to net charge-offs | 61.2382% | 3,526 |
| Earnings coverage of net charge-offs (x) | -0.2328% | 4,711 |
| Efficiency ratio | 114.4047% | 422 |
| Assets per employee ($millions) | 4.2581% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7316% | 515 |
| Loan loss allowance to noncurrent loans | 51.6233% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 5.8344% | 1,011 |
| Noncurrent loans to loans | 7.2284% | 741 |
| Net loans and leases to total assets | 51.7011% | 5,619 |
| Net loans and leases to deposits | 61.7343% | 5,534 |
| Net loans and leases to core deposits | 69.9004% | 5,056 |
| Total domestic deposits to total assets | 83.7477% | 4,599 |
| Equity capital to assets | 6.8364% | 7,135 |
| Core capital (leverage) ratio | 6.6854% | 7,122 |
| Tier 1 risk-based capital ratio | 10.7797% | 6,650 |
| Total risk-based capital ratio | 12.0567% | 6,616 |
| Memoranda: | ||
| Average total assets | $129,339,500 | 4,272 |
| Average earning assets | $121,335,500 | 4,191 |
| Average equity | $8,991,500 | 5,334 |
| Average total loans | $71,468,000 | 4,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 6,195 |
| Cost of funding earning assets | 0.9593% | 5,891 |
| Net interest margin | 3.6079% | 4,786 |
| Noninterest income to average assets | 0.3816% | 5,045 |
| Noninterest expense to average assets | 4.0418% | 1,107 |
| Loan and lease loss provision to assets | 3.8492% | 173 |
| Net operating income to assets | -4.4442% | 7,482 |
| Return on assets (ROA) | -4.1787% | 7,467 |
| Pretax return on assets | -3.8507% | 7,414 |
| Return on Equity (ROE) | -44.4069% | 7,389 |
| Retained earnings to average equity (ytd only) | -44.4069% | 7,383 |
| Net charge-offs to loans | 6.1915% | 88 |
| Credit loss provision to net charge-offs | 102.7601% | 4,397 |
| Earnings coverage of net charge-offs (x) | -0.0713% | 6,192 |
| Efficiency ratio | 107.0739% | 601 |
| Assets per employee ($millions) | 4.6763% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8315% | 457 |
| Loan loss allowance to noncurrent loans | 34.7869% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 7.6999% | 664 |
| Noncurrent loans to loans | 11.0141% | 354 |
| Net loans and leases to total assets | 54.5942% | 5,560 |
| Net loans and leases to deposits | 65.2369% | 5,489 |
| Net loans and leases to core deposits | 74.2051% | 4,955 |
| Total domestic deposits to total assets | 83.6860% | 4,509 |
| Equity capital to assets | 7.0645% | 7,091 |
| Core capital (leverage) ratio | 6.8578% | 7,085 |
| Tier 1 risk-based capital ratio | 10.3542% | 6,789 |
| Total risk-based capital ratio | 11.6308% | 6,757 |
| Memoranda: | ||
| Average total assets | $134,444,400 | 4,169 |
| Average earning assets | $126,444,200 | 4,093 |
| Average equity | $12,651,200 | 4,445 |
| Average total loans | $81,337,800 | 4,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 6,154 |
| Cost of funding earning assets | 0.9841% | 6,017 |
| Net interest margin | 3.6747% | 4,526 |
| Noninterest income to average assets | 0.3271% | 5,542 |
| Noninterest expense to average assets | 3.7598% | 1,455 |
| Loan and lease loss provision to assets | 3.4485% | 218 |
| Net operating income to assets | -3.4239% | 7,511 |
| Return on assets (ROA) | -3.0721% | 7,475 |
| Pretax return on assets | -3.0711% | 7,438 |
| Return on Equity (ROE) | -30.7909% | 7,400 |
| Retained earnings to average equity (ytd only) | -30.7909% | 7,392 |
| Net charge-offs to loans | 3.7228% | 351 |
| Credit loss provision to net charge-offs | 150.8621% | 2,576 |
| Earnings coverage of net charge-offs (x) | 0.0112% | 6,020 |
| Efficiency ratio | 99.3233% | 762 |
| Assets per employee ($millions) | 4.2644% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6561% | 228 |
| Loan loss allowance to noncurrent loans | 50.2066% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 7.2507% | 735 |
| Noncurrent loans to loans | 9.2740% | 498 |
| Net loans and leases to total assets | 62.2479% | 4,476 |
| Net loans and leases to deposits | 76.4831% | 4,086 |
| Net loans and leases to core deposits | 89.2109% | 3,207 |
| Total domestic deposits to total assets | 81.3878% | 5,240 |
| Equity capital to assets | 9.3206% | 5,103 |
| Core capital (leverage) ratio | 8.5595% | 5,407 |
| Tier 1 risk-based capital ratio | 11.7821% | 5,658 |
| Total risk-based capital ratio | 13.0759% | 5,598 |
| Memoranda: | ||
| Average total assets | $135,321,250 | 4,203 |
| Average earning assets | $127,355,500 | 4,124 |
| Average equity | $13,501,500 | 4,327 |
| Average total loans | $83,089,250 | 4,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 6,565 |
| Cost of funding earning assets | 0.9961% | 6,164 |
| Net interest margin | 3.5628% | 4,986 |
| Noninterest income to average assets | 0.4079% | 4,844 |
| Noninterest expense to average assets | 3.4910% | 2,052 |
| Loan and lease loss provision to assets | 4.7974% | 123 |
| Net operating income to assets | -4.5332% | 7,665 |
| Return on assets (ROA) | -4.0164% | 7,631 |
| Pretax return on assets | -4.0150% | 7,603 |
| Return on Equity (ROE) | -39.4516% | 7,527 |
| Retained earnings to average equity (ytd only) | -39.4516% | 7,520 |
| Net charge-offs to loans | 4.0823% | 311 |
| Credit loss provision to net charge-offs | 195.2156% | 2,024 |
| Earnings coverage of net charge-offs (x) | 0.1081% | 5,616 |
| Efficiency ratio | 92.9289% | 1,131 |
| Assets per employee ($millions) | 4.8220% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3258% | 143 |
| Loan loss allowance to noncurrent loans | 82.5879% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 5.6608% | 1,069 |
| Noncurrent loans to loans | 6.4487% | 933 |
| Net loans and leases to total assets | 58.9981% | 5,248 |
| Net loans and leases to deposits | 72.8663% | 4,856 |
| Net loans and leases to core deposits | 85.1546% | 3,963 |
| Total domestic deposits to total assets | 80.9676% | 5,411 |
| Equity capital to assets | 9.3845% | 4,881 |
| Core capital (leverage) ratio | 8.6752% | 5,119 |
| Tier 1 risk-based capital ratio | 12.2158% | 5,113 |
| Total risk-based capital ratio | 13.5085% | 5,045 |
| Memoranda: | ||
| Average total assets | $137,784,330 | 4,178 |
| Average earning assets | $129,503,330 | 4,099 |
| Average equity | $14,027,330 | 4,192 |
| Average total loans | $82,944,330 | 4,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 6,576 |
| Cost of funding earning assets | 1.0310% | 6,221 |
| Net interest margin | 3.5634% | 4,887 |
| Noninterest income to average assets | 0.4012% | 4,909 |
| Noninterest expense to average assets | 3.4214% | 2,177 |
| Loan and lease loss provision to assets | 0.8758% | 1,455 |
| Net operating income to assets | -0.5566% | 6,867 |
| Return on assets (ROA) | 0.4492% | 4,745 |
| Pretax return on assets | 0.4492% | 5,136 |
| Return on Equity (ROE) | 4.2593% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.2593% | 3,597 |
| Net charge-offs to loans | 4.4985% | 285 |
| Credit loss provision to net charge-offs | 32.8738% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.1198% | 4,922 |
| Efficiency ratio | 91.4653% | 1,317 |
| Assets per employee ($millions) | 5.0836% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5359% | 1,250 |
| Loan loss allowance to noncurrent loans | 39.1920% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.6832% | 1,417 |
| Noncurrent loans to loans | 6.4703% | 963 |
| Net loans and leases to total assets | 58.1314% | 5,414 |
| Net loans and leases to deposits | 72.2284% | 5,021 |
| Net loans and leases to core deposits | 83.9329% | 4,208 |
| Total domestic deposits to total assets | 80.4827% | 5,623 |
| Equity capital to assets | 10.8802% | 2,865 |
| Core capital (leverage) ratio | 10.3035% | 2,806 |
| Tier 1 risk-based capital ratio | 14.8762% | 3,164 |
| Total risk-based capital ratio | 16.1389% | 3,124 |
| Memoranda: | ||
| Average total assets | $141,579,500 | 4,169 |
| Average earning assets | $132,683,000 | 4,104 |
| Average equity | $14,932,000 | 4,034 |
| Average total loans | $83,850,000 | 4,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 5,450 |
| Cost of funding earning assets | 1.3609% | 6,089 |
| Net interest margin | 3.8811% | 3,347 |
| Noninterest income to average assets | -0.1194% | 7,815 |
| Noninterest expense to average assets | 3.6815% | 1,952 |
| Loan and lease loss provision to assets | 1.3130% | 1,753 |
| Net operating income to assets | -1.6747% | 6,951 |
| Return on assets (ROA) | -1.6668% | 6,949 |
| Pretax return on assets | -1.5677% | 6,734 |
| Return on Equity (ROE) | -14.4004% | 6,902 |
| Retained earnings to average equity (ytd only) | -14.4004% | 6,846 |
| Net charge-offs to loans | 2.3400% | 989 |
| Credit loss provision to net charge-offs | 88.0640% | 6,065 |
| Earnings coverage of net charge-offs (x) | -0.1761% | 6,414 |
| Efficiency ratio | 107.6809% | 850 |
| Assets per employee ($millions) | 5.0311% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1561% | 680 |
| Loan loss allowance to noncurrent loans | 45.6137% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 5.6004% | 1,041 |
| Noncurrent loans to loans | 6.9192% | 819 |
| Net loans and leases to total assets | 56.9736% | 5,823 |
| Net loans and leases to deposits | 69.8095% | 5,631 |
| Net loans and leases to core deposits | 104.2751% | 3,539 |
| Total domestic deposits to total assets | 81.6129% | 5,103 |
| Equity capital to assets | 10.2330% | 3,476 |
| Core capital (leverage) ratio | 10.3508% | 2,739 |
| Tier 1 risk-based capital ratio | 13.8955% | 3,568 |
| Total risk-based capital ratio | 15.1633% | 3,507 |
| Memoranda: | ||
| Average total assets | $138,230,600 | 4,159 |
| Average earning assets | $126,021,200 | 4,174 |
| Average equity | $15,999,600 | 3,870 |
| Average total loans | $88,076,600 | 4,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 5,018 |
| Cost of funding earning assets | 1.4425% | 6,070 |
| Net interest margin | 3.9429% | 3,073 |
| Noninterest income to average assets | -0.1594% | 7,954 |
| Noninterest expense to average assets | 3.7266% | 1,760 |
| Loan and lease loss provision to assets | 0.6798% | 2,701 |
| Net operating income to assets | -1.1219% | 6,917 |
| Return on assets (ROA) | -1.1111% | 6,909 |
| Pretax return on assets | -0.9752% | 6,660 |
| Return on Equity (ROE) | -9.3111% | 6,839 |
| Retained earnings to average equity (ytd only) | -9.3111% | 6,740 |
| Net charge-offs to loans | 1.5614% | 1,309 |
| Credit loss provision to net charge-offs | 66.9557% | 6,047 |
| Earnings coverage of net charge-offs (x) | -0.3015% | 6,358 |
| Efficiency ratio | 108.9505% | 788 |
| Assets per employee ($millions) | 5.0595% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0250% | 656 |
| Loan loss allowance to noncurrent loans | 33.3802% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 8.0799% | 525 |
| Noncurrent loans to loans | 9.0622% | 496 |
| Net loans and leases to total assets | 63.6543% | 4,940 |
| Net loans and leases to deposits | 80.4295% | 4,313 |
| Net loans and leases to core deposits | 123.3461% | 1,961 |
| Total domestic deposits to total assets | 79.1430% | 5,754 |
| Equity capital to assets | 11.9128% | 2,287 |
| Core capital (leverage) ratio | 11.7582% | 1,931 |
| Tier 1 risk-based capital ratio | 13.9583% | 3,573 |
| Total risk-based capital ratio | 15.2235% | 3,512 |
| Memoranda: | ||
| Average total assets | $136,313,000 | 4,229 |
| Average earning assets | $123,763,750 | 4,253 |
| Average equity | $16,267,000 | 3,861 |
| Average total loans | $88,637,250 | 4,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 4,872 |
| Cost of funding earning assets | 1.5343% | 5,999 |
| Net interest margin | 3.9197% | 3,018 |
| Noninterest income to average assets | 0.0073% | 7,919 |
| Noninterest expense to average assets | 3.7882% | 1,676 |
| Loan and lease loss provision to assets | 0.8919% | 1,892 |
| Net operating income to assets | -0.4337% | 6,482 |
| Return on assets (ROA) | -0.4235% | 6,477 |
| Pretax return on assets | -1.1037% | 6,883 |
| Return on Equity (ROE) | -3.5468% | 6,423 |
| Retained earnings to average equity (ytd only) | -3.5468% | 6,049 |
| Net charge-offs to loans | 1.9329% | 967 |
| Credit loss provision to net charge-offs | 71.1806% | 5,395 |
| Earnings coverage of net charge-offs (x) | -0.1817% | 5,871 |
| Efficiency ratio | 106.3951% | 956 |
| Assets per employee ($millions) | 4.5636% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0558% | 541 |
| Loan loss allowance to noncurrent loans | 37.6775% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 7.7472% | 503 |
| Noncurrent loans to loans | 8.1104% | 543 |
| Net loans and leases to total assets | 64.8661% | 4,791 |
| Net loans and leases to deposits | 82.5135% | 4,134 |
| Net loans and leases to core deposits | 132.4799% | 1,404 |
| Total domestic deposits to total assets | 78.6127% | 5,922 |
| Equity capital to assets | 12.3994% | 1,975 |
| Core capital (leverage) ratio | 11.6906% | 1,984 |
| Tier 1 risk-based capital ratio | 14.6119% | 3,184 |
| Total risk-based capital ratio | 15.8787% | 3,120 |
| Memoranda: | ||
| Average total assets | $137,901,330 | 4,220 |
| Average earning assets | $125,009,000 | 4,243 |
| Average equity | $16,465,670 | 3,818 |
| Average total loans | $89,400,330 | 4,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 5,420 |
| Cost of funding earning assets | 1.6097% | 5,991 |
| Net interest margin | 3.7917% | 3,479 |
| Noninterest income to average assets | -0.4777% | 8,194 |
| Noninterest expense to average assets | 3.7049% | 1,649 |
| Loan and lease loss provision to assets | 1.4075% | 903 |
| Net operating income to assets | -1.2255% | 7,377 |
| Return on assets (ROA) | -1.2255% | 7,395 |
| Pretax return on assets | -2.1609% | 7,577 |
| Return on Equity (ROE) | -10.4526% | 7,393 |
| Retained earnings to average equity (ytd only) | -10.4526% | 7,156 |
| Net charge-offs to loans | 3.4467% | 356 |
| Credit loss provision to net charge-offs | 63.9535% | 4,454 |
| Earnings coverage of net charge-offs (x) | -0.3424% | 5,201 |
| Efficiency ratio | 125.5299% | 558 |
| Assets per employee ($millions) | 4.4690% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9695% | 493 |
| Loan loss allowance to noncurrent loans | 41.5012% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 6.8710% | 506 |
| Noncurrent loans to loans | 7.1551% | 552 |
| Net loans and leases to total assets | 63.1165% | 5,138 |
| Net loans and leases to deposits | 83.0572% | 4,122 |
| Net loans and leases to core deposits | 140.4855% | 1,080 |
| Total domestic deposits to total assets | 75.9916% | 6,513 |
| Equity capital to assets | 11.7844% | 2,393 |
| Core capital (leverage) ratio | 11.1157% | 2,415 |
| Tier 1 risk-based capital ratio | 13.8163% | 3,686 |
| Total risk-based capital ratio | 15.0813% | 3,605 |
| Memoranda: | ||
| Average total assets | $140,679,500 | 4,176 |
| Average earning assets | $127,225,000 | 4,214 |
| Average equity | $16,493,500 | 3,842 |
| Average total loans | $89,824,000 | 4,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9949% | 5,566 |
| Cost of funding earning assets | 2.1748% | 5,705 |
| Net interest margin | 3.8201% | 3,939 |
| Noninterest income to average assets | 0.2683% | 6,537 |
| Noninterest expense to average assets | 3.4717% | 2,470 |
| Loan and lease loss provision to assets | 3.9797% | 166 |
| Net operating income to assets | -2.0693% | 7,614 |
| Return on assets (ROA) | -2.0693% | 7,578 |
| Pretax return on assets | -3.5971% | 7,825 |
| Return on Equity (ROE) | -16.0608% | 7,628 |
| Retained earnings to average equity (ytd only) | -16.0608% | 7,520 |
| Net charge-offs to loans | 4.6551% | 115 |
| Credit loss provision to net charge-offs | 127.0866% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.1222% | 6,174 |
| Efficiency ratio | 90.0723% | 1,513 |
| Assets per employee ($millions) | 4.4631% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3005% | 340 |
| Loan loss allowance to noncurrent loans | 89.1941% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 4.9398% | 710 |
| Noncurrent loans to loans | 3.7004% | 1,360 |
| Net loans and leases to total assets | 60.6190% | 5,821 |
| Net loans and leases to deposits | 79.2697% | 5,159 |
| Net loans and leases to core deposits | 124.6990% | 2,272 |
| Total domestic deposits to total assets | 76.4718% | 6,127 |
| Equity capital to assets | 11.6657% | 2,520 |
| Core capital (leverage) ratio | 11.6040% | 2,189 |
| Tier 1 risk-based capital ratio | 13.8919% | 3,595 |
| Total risk-based capital ratio | 15.1586% | 3,509 |
| Memoranda: | ||
| Average total assets | $143,476,400 | 4,016 |
| Average earning assets | $134,680,600 | 3,959 |
| Average equity | $18,486,000 | 3,479 |
| Average total loans | $96,516,800 | 4,047 |