Home > Community Bank of the Ozarks > Performance and Condition Ratios
Community Bank of the Ozarks, Performance and Condition Ratios
| 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 | 5.5488% | 619 |
| Cost of funding earning assets | 1.1447% | 880 |
| Net interest margin | 4.4042% | 1,193 |
| Noninterest income to average assets | -0.6298% | 7,144 |
| Noninterest expense to average assets | 5.7812% | 233 |
| Loan and lease loss provision to assets | 0.9693% | 431 |
| Net operating income to assets | -4.3766% | 7,154 |
| Return on assets (ROA) | -4.3301% | 7,153 |
| Pretax return on assets | -4.3301% | 7,154 |
| Return on Equity (ROE) | -166.4321% | 7,174 |
| Retained earnings to average equity (ytd only) | -166.4321% | 7,174 |
| Net charge-offs to loans | 1.0017% | 1,061 |
| Credit loss provision to net charge-offs | 155.3488% | 1,813 |
| Earnings coverage of net charge-offs (x) | -5.4604% | 5,718 |
| Efficiency ratio | 243.5208% | 23 |
| Assets per employee ($millions) | 2.3787% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4893% | 103 |
| Loan loss allowance to noncurrent loans | 29.8183% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 37.9297% | 2 |
| Noncurrent loans to loans | 18.4092% | 54 |
| Net loans and leases to total assets | 60.7203% | 3,628 |
| Net loans and leases to deposits | 62.0759% | 4,962 |
| Net loans and leases to core deposits | 62.0759% | 5,353 |
| Total domestic deposits to total assets | 97.8162% | 7 |
| Equity capital to assets | 1.6956% | 7,173 |
| Core capital (leverage) ratio | 1.6553% | 7,172 |
| Tier 1 risk-based capital ratio | 1.8590% | 7,175 |
| Total risk-based capital ratio | 3.1403% | 7,175 |
| Memoranda: | ||
| Average total assets | $45,940,750 | 6,400 |
| Average earning assets | $31,333,000 | 6,711 |
| Average equity | $1,195,250 | 7,147 |
| Average total loans | $28,616,500 | 6,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4767% | 755 |
| Cost of funding earning assets | 1.1890% | 857 |
| Net interest margin | 4.2877% | 1,506 |
| Noninterest income to average assets | 0.8471% | 1,979 |
| Noninterest expense to average assets | 7.3262% | 135 |
| Loan and lease loss provision to assets | 1.3196% | 301 |
| Net operating income to assets | -4.8359% | 7,207 |
| Return on assets (ROA) | -4.7677% | 7,207 |
| Pretax return on assets | -4.7677% | 7,207 |
| Return on Equity (ROE) | -165.7209% | 7,227 |
| Retained earnings to average equity (ytd only) | -165.7209% | 7,227 |
| Net charge-offs to loans | 1.5111% | 661 |
| Credit loss provision to net charge-offs | 141.5525% | 1,957 |
| Earnings coverage of net charge-offs (x) | -3.7717% | 5,429 |
| Efficiency ratio | 192.2905% | 43 |
| Assets per employee ($millions) | 2.3362% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1998% | 136 |
| Loan loss allowance to noncurrent loans | 30.1587% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 35.9534% | 2 |
| Noncurrent loans to loans | 17.2415% | 67 |
| Net loans and leases to total assets | 60.8701% | 3,648 |
| Net loans and leases to deposits | 62.4255% | 4,950 |
| Net loans and leases to core deposits | 62.4255% | 5,350 |
| Total domestic deposits to total assets | 97.5083% | 11 |
| Equity capital to assets | 2.1312% | 7,218 |
| Core capital (leverage) ratio | 2.0321% | 7,221 |
| Tier 1 risk-based capital ratio | 2.3066% | 7,230 |
| Total risk-based capital ratio | 3.5867% | 7,230 |
| Memoranda: | ||
| Average total assets | $46,982,330 | 6,407 |
| Average earning assets | $32,464,670 | 6,724 |
| Average equity | $1,351,670 | 7,194 |
| Average total loans | $28,986,000 | 6,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 1,680 |
| Cost of funding earning assets | 1.2249% | 870 |
| Net interest margin | 3.8395% | 3,190 |
| Noninterest income to average assets | 0.4557% | 4,257 |
| Noninterest expense to average assets | 9.5444% | 88 |
| Loan and lease loss provision to assets | 2.5684% | 94 |
| Net operating income to assets | -8.9562% | 7,298 |
| Return on assets (ROA) | -8.8236% | 7,299 |
| Pretax return on assets | -8.8236% | 7,298 |
| Return on Equity (ROE) | -274.0431% | 7,295 |
| Retained earnings to average equity (ytd only) | -274.0431% | 7,294 |
| Net charge-offs to loans | 3.0244% | 241 |
| Credit loss provision to net charge-offs | 140.2715% | 1,750 |
| Earnings coverage of net charge-offs (x) | -3.4887% | 4,650 |
| Efficiency ratio | 302.3622% | 19 |
| Assets per employee ($millions) | 2.3704% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1144% | 161 |
| Loan loss allowance to noncurrent loans | 28.5825% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 34.3571% | 3 |
| Noncurrent loans to loans | 17.8934% | 69 |
| Net loans and leases to total assets | 57.9185% | 4,049 |
| Net loans and leases to deposits | 59.4059% | 5,229 |
| Net loans and leases to core deposits | 60.6968% | 5,463 |
| Total domestic deposits to total assets | 97.4962% | 14 |
| Equity capital to assets | 2.1241% | 7,276 |
| Core capital (leverage) ratio | 2.0228% | 7,283 |
| Tier 1 risk-based capital ratio | 2.3625% | 7,295 |
| Total risk-based capital ratio | 3.6398% | 7,294 |
| Memoranda: | ||
| Average total assets | $48,279,500 | 6,423 |
| Average earning assets | $33,962,500 | 6,740 |
| Average equity | $1,554,500 | 7,226 |
| Average total loans | $29,228,500 | 6,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 1,035 |
| Cost of funding earning assets | 1.5852% | 504 |
| Net interest margin | 3.9764% | 3,000 |
| Noninterest income to average assets | 0.4149% | 4,492 |
| Noninterest expense to average assets | 4.6686% | 503 |
| Loan and lease loss provision to assets | 1.0059% | 940 |
| Net operating income to assets | -2.3172% | 7,079 |
| Return on assets (ROA) | -2.1753% | 7,070 |
| Pretax return on assets | -2.1753% | 7,061 |
| Return on Equity (ROE) | -43.0073% | 7,175 |
| Retained earnings to average equity (ytd only) | -43.0073% | 7,172 |
| Net charge-offs to loans | 1.5276% | 1,047 |
| Credit loss provision to net charge-offs | 112.6761% | 2,931 |
| Earnings coverage of net charge-offs (x) | -1.4688% | 6,250 |
| Efficiency ratio | 139.0583% | 183 |
| Assets per employee ($millions) | 1.9660% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7122% | 214 |
| Loan loss allowance to noncurrent loans | 36.6632% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 33.2811% | 4 |
| Noncurrent loans to loans | 12.8527% | 181 |
| Net loans and leases to total assets | 57.2277% | 4,509 |
| Net loans and leases to deposits | 60.0064% | 5,481 |
| Net loans and leases to core deposits | 63.0659% | 5,554 |
| Total domestic deposits to total assets | 95.3694% | 49 |
| Equity capital to assets | 4.2766% | 7,207 |
| Core capital (leverage) ratio | 4.0169% | 7,208 |
| Tier 1 risk-based capital ratio | 4.6736% | 7,255 |
| Total risk-based capital ratio | 5.9470% | 7,256 |
| Memoranda: | ||
| Average total assets | $55,670,000 | 6,175 |
| Average earning assets | $41,193,200 | 6,487 |
| Average equity | $2,815,800 | 7,052 |
| Average total loans | $32,535,200 | 6,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 1,055 |
| Cost of funding earning assets | 1.6658% | 446 |
| Net interest margin | 3.9242% | 3,251 |
| Noninterest income to average assets | 0.3653% | 4,948 |
| Noninterest expense to average assets | 4.7817% | 446 |
| Loan and lease loss provision to assets | 1.1867% | 663 |
| Net operating income to assets | -2.6596% | 7,235 |
| Return on assets (ROA) | -2.4758% | 7,215 |
| Pretax return on assets | -2.4758% | 7,203 |
| Return on Equity (ROE) | -47.3785% | 7,282 |
| Retained earnings to average equity (ytd only) | -47.3785% | 7,276 |
| Net charge-offs to loans | 1.9185% | 678 |
| Credit loss provision to net charge-offs | 106.4718% | 3,108 |
| Earnings coverage of net charge-offs (x) | -1.3215% | 5,967 |
| Efficiency ratio | 144.5148% | 163 |
| Assets per employee ($millions) | 2.2282% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3737% | 293 |
| Loan loss allowance to noncurrent loans | 50.9944% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 28.0326% | 12 |
| Noncurrent loans to loans | 8.5769% | 487 |
| Net loans and leases to total assets | 55.5622% | 4,908 |
| Net loans and leases to deposits | 58.4384% | 5,801 |
| Net loans and leases to core deposits | 61.1744% | 5,890 |
| Total domestic deposits to total assets | 95.0783% | 52 |
| Equity capital to assets | 4.4711% | 7,295 |
| Core capital (leverage) ratio | 4.0321% | 7,304 |
| Tier 1 risk-based capital ratio | 4.8644% | 7,328 |
| Total risk-based capital ratio | 6.1338% | 7,330 |
| Memoranda: | ||
| Average total assets | $57,299,750 | 6,175 |
| Average earning assets | $42,980,000 | 6,485 |
| Average equity | $2,994,250 | 7,072 |
| Average total loans | $33,289,250 | 6,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 1,133 |
| Cost of funding earning assets | 1.7237% | 427 |
| Net interest margin | 3.8434% | 3,566 |
| Noninterest income to average assets | 0.3961% | 4,714 |
| Noninterest expense to average assets | 4.5652% | 555 |
| Loan and lease loss provision to assets | 1.0585% | 793 |
| Net operating income to assets | -2.3116% | 7,243 |
| Return on assets (ROA) | -2.3116% | 7,247 |
| Pretax return on assets | -2.3116% | 7,227 |
| Return on Equity (ROE) | -42.3743% | 7,320 |
| Retained earnings to average equity (ytd only) | -42.3743% | 7,316 |
| Net charge-offs to loans | 2.8800% | 372 |
| Credit loss provision to net charge-offs | 63.2653% | 4,264 |
| Earnings coverage of net charge-offs (x) | -0.7490% | 5,589 |
| Efficiency ratio | 137.8351% | 209 |
| Assets per employee ($millions) | 2.2135% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6479% | 536 |
| Loan loss allowance to noncurrent loans | 65.3015% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 24.6147% | 29 |
| Noncurrent loans to loans | 5.5863% | 1,120 |
| Net loans and leases to total assets | 52.6872% | 5,476 |
| Net loans and leases to deposits | 57.8267% | 5,958 |
| Net loans and leases to core deposits | 57.8267% | 6,284 |
| Total domestic deposits to total assets | 91.1122% | 465 |
| Equity capital to assets | 4.9521% | 7,326 |
| Core capital (leverage) ratio | 4.6998% | 7,326 |
| Tier 1 risk-based capital ratio | 5.6781% | 7,371 |
| Total risk-based capital ratio | 6.9411% | 7,376 |
| Memoranda: | ||
| Average total assets | $58,574,000 | 6,188 |
| Average earning assets | $44,439,670 | 6,495 |
| Average equity | $3,195,330 | 7,070 |
| Average total loans | $34,028,330 | 6,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3990% | 1,559 |
| Cost of funding earning assets | 1.7003% | 549 |
| Net interest margin | 3.6987% | 4,115 |
| Noninterest income to average assets | 0.1422% | 6,702 |
| Noninterest expense to average assets | 4.7524% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.7534% | 7,244 |
| Return on assets (ROA) | -1.7534% | 7,247 |
| Pretax return on assets | -1.7534% | 7,216 |
| Return on Equity (ROE) | -30.7601% | 7,325 |
| Retained earnings to average equity (ytd only) | -30.7601% | 7,299 |
| Net charge-offs to loans | 3.8405% | 242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.7640% | 4,862 |
| Efficiency ratio | 158.4650% | 127 |
| Assets per employee ($millions) | 1.8956% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9571% | 950 |
| Loan loss allowance to noncurrent loans | 33.6968% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 25.1085% | 24 |
| Noncurrent loans to loans | 8.7756% | 520 |
| Net loans and leases to total assets | 55.2302% | 5,126 |
| Net loans and leases to deposits | 60.9296% | 5,627 |
| Net loans and leases to core deposits | 60.9296% | 6,022 |
| Total domestic deposits to total assets | 90.6458% | 782 |
| Equity capital to assets | 5.5271% | 7,337 |
| Core capital (leverage) ratio | 5.3066% | 7,329 |
| Tier 1 risk-based capital ratio | 6.8525% | 7,378 |
| Total risk-based capital ratio | 8.1132% | 7,382 |
| Memoranda: | ||
| Average total assets | $59,085,500 | 6,215 |
| Average earning assets | $45,638,000 | 6,497 |
| Average equity | $3,368,000 | 7,058 |
| Average total loans | $35,307,500 | 6,064 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7091% | 1,535 |
| Cost of funding earning assets | 1.9401% | 740 |
| Net interest margin | 3.7690% | 4,069 |
| Noninterest income to average assets | 1.0415% | 1,382 |
| Noninterest expense to average assets | 5.4339% | 315 |
| Loan and lease loss provision to assets | 1.5550% | 943 |
| Net operating income to assets | -2.8167% | 7,249 |
| Return on assets (ROA) | -2.8198% | 7,275 |
| Pretax return on assets | -2.8709% | 7,268 |
| Return on Equity (ROE) | -36.8594% | 7,311 |
| Retained earnings to average equity (ytd only) | -36.8594% | 7,301 |
| Net charge-offs to loans | 1.8341% | 1,142 |
| Credit loss provision to net charge-offs | 126.2953% | 3,210 |
| Earnings coverage of net charge-offs (x) | -1.0661% | 6,623 |
| Efficiency ratio | 131.8498% | 302 |
| Assets per employee ($millions) | 1.8002% | 7,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5728% | 562 |
| Loan loss allowance to noncurrent loans | 30.2437% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 22.2267% | 48 |
| Noncurrent loans to loans | 11.8133% | 303 |
| Net loans and leases to total assets | 60.3340% | 4,627 |
| Net loans and leases to deposits | 66.7436% | 5,298 |
| Net loans and leases to core deposits | 70.5593% | 5,390 |
| Total domestic deposits to total assets | 90.3966% | 890 |
| Equity capital to assets | 5.8715% | 7,356 |
| Core capital (leverage) ratio | 5.5675% | 7,354 |
| Tier 1 risk-based capital ratio | 7.6960% | 7,372 |
| Total risk-based capital ratio | 8.9677% | 7,374 |
| Memoranda: | ||
| Average total assets | $62,699,000 | 6,101 |
| Average earning assets | $51,234,000 | 6,319 |
| Average equity | $4,796,600 | 6,727 |
| Average total loans | $42,091,800 | 5,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2945% | 515 |
| Cost of funding earning assets | 1.9578% | 861 |
| Net interest margin | 4.3368% | 1,726 |
| Noninterest income to average assets | 0.8249% | 2,104 |
| Noninterest expense to average assets | 5.6672% | 253 |
| Loan and lease loss provision to assets | 1.1859% | 1,209 |
| Net operating income to assets | -1.3433% | 7,051 |
| Return on assets (ROA) | -1.3433% | 7,076 |
| Pretax return on assets | -2.4621% | 7,309 |
| Return on Equity (ROE) | -16.6540% | 7,146 |
| Retained earnings to average equity (ytd only) | -16.6540% | 7,124 |
| Net charge-offs to loans | 1.3388% | 1,517 |
| Credit loss provision to net charge-offs | 129.8851% | 3,117 |
| Earnings coverage of net charge-offs (x) | -1.3977% | 6,494 |
| Efficiency ratio | 129.0631% | 302 |
| Assets per employee ($millions) | 1.7636% | 7,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0624% | 780 |
| Loan loss allowance to noncurrent loans | 50.0998% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 16.1634% | 121 |
| Noncurrent loans to loans | 6.1126% | 1,011 |
| Net loans and leases to total assets | 64.3586% | 4,053 |
| Net loans and leases to deposits | 72.6266% | 4,750 |
| Net loans and leases to core deposits | 76.1239% | 5,040 |
| Total domestic deposits to total assets | 88.6158% | 1,612 |
| Equity capital to assets | 7.5738% | 7,077 |
| Core capital (leverage) ratio | 6.8223% | 7,243 |
| Tier 1 risk-based capital ratio | 9.0143% | 7,360 |
| Total risk-based capital ratio | 10.2822% | 7,374 |
| Memoranda: | ||
| Average total assets | $63,522,250 | 6,142 |
| Average earning assets | $52,234,500 | 6,359 |
| Average equity | $5,123,750 | 6,710 |
| Average total loans | $43,322,250 | 5,858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2935% | 522 |
| Cost of funding earning assets | 2.0145% | 876 |
| Net interest margin | 4.2790% | 1,855 |
| Noninterest income to average assets | 0.9388% | 1,549 |
| Noninterest expense to average assets | 6.0292% | 224 |
| Loan and lease loss provision to assets | 0.2651% | 4,274 |
| Net operating income to assets | -0.1718% | 6,318 |
| Return on assets (ROA) | -0.1778% | 6,383 |
| Pretax return on assets | -1.8403% | 7,185 |
| Return on Equity (ROE) | -2.1618% | 6,432 |
| Retained earnings to average equity (ytd only) | -2.1618% | 6,172 |
| Net charge-offs to loans | 1.4194% | 1,344 |
| Credit loss provision to net charge-offs | 27.1565% | 5,775 |
| Earnings coverage of net charge-offs (x) | -1.6038% | 6,183 |
| Efficiency ratio | 135.0804% | 282 |
| Assets per employee ($millions) | 1.7576% | 7,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 1,904 |
| Loan loss allowance to noncurrent loans | 60.5672% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 15.2130% | 139 |
| Noncurrent loans to loans | 3.5203% | 2,243 |
| Net loans and leases to total assets | 65.0699% | 4,028 |
| Net loans and leases to deposits | 73.7141% | 4,722 |
| Net loans and leases to core deposits | 77.1709% | 5,067 |
| Total domestic deposits to total assets | 88.2734% | 1,839 |
| Equity capital to assets | 8.2181% | 6,520 |
| Core capital (leverage) ratio | 7.7505% | 6,556 |
| Tier 1 risk-based capital ratio | 10.3465% | 6,800 |
| Total risk-based capital ratio | 11.6146% | 6,775 |
| Memoranda: | ||
| Average total assets | $64,121,000 | 6,175 |
| Average earning assets | $52,816,000 | 6,375 |
| Average equity | $5,273,330 | 6,691 |
| Average total loans | $44,102,670 | 5,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6444% | 288 |
| Cost of funding earning assets | 2.0754% | 872 |
| Net interest margin | 4.5690% | 1,007 |
| Noninterest income to average assets | 0.5825% | 3,392 |
| Noninterest expense to average assets | 5.9990% | 221 |
| Loan and lease loss provision to assets | 0.2169% | 4,332 |
| Net operating income to assets | 0.5526% | 4,128 |
| Return on assets (ROA) | 0.5764% | 4,141 |
| Pretax return on assets | -1.8034% | 7,348 |
| Return on Equity (ROE) | 7.0056% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.0056% | 2,127 |
| Net charge-offs to loans | 0.3280% | 3,092 |
| Credit loss provision to net charge-offs | 94.5946% | 3,554 |
| Earnings coverage of net charge-offs (x) | -7.0811% | 5,549 |
| Efficiency ratio | 137.1105% | 275 |
| Assets per employee ($millions) | 2.3677% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5588% | 1,225 |
| Loan loss allowance to noncurrent loans | 162.0491% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 12.6752% | 223 |
| Noncurrent loans to loans | 1.5790% | 4,375 |
| Net loans and leases to total assets | 66.8956% | 3,656 |
| Net loans and leases to deposits | 75.9173% | 4,432 |
| Net loans and leases to core deposits | 75.9173% | 5,269 |
| Total domestic deposits to total assets | 88.1163% | 1,996 |
| Equity capital to assets | 8.4157% | 6,139 |
| Core capital (leverage) ratio | 8.3155% | 5,713 |
| Tier 1 risk-based capital ratio | 11.0229% | 6,133 |
| Total risk-based capital ratio | 12.2969% | 6,086 |
| Memoranda: | ||
| Average total assets | $64,544,000 | 6,224 |
| Average earning assets | $53,579,000 | 6,411 |
| Average equity | $5,310,000 | 6,738 |
| Average total loans | $45,119,000 | 5,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9529% | 300 |
| Cost of funding earning assets | 2.5875% | 813 |
| Net interest margin | 4.3654% | 1,531 |
| Noninterest income to average assets | 1.1094% | 1,249 |
| Noninterest expense to average assets | 4.9346% | 545 |
| Loan and lease loss provision to assets | 1.3289% | 1,729 |
| Net operating income to assets | -1.0434% | 6,605 |
| Return on assets (ROA) | -1.0456% | 6,609 |
| Pretax return on assets | -1.3586% | 6,629 |
| Return on Equity (ROE) | -12.6272% | 6,809 |
| Retained earnings to average equity (ytd only) | -16.5317% | 6,962 |
| Net charge-offs to loans | 0.6012% | 3,417 |
| Credit loss provision to net charge-offs | 301.6835% | 1,096 |
| Earnings coverage of net charge-offs (x) | -0.0606% | 6,284 |
| Efficiency ratio | 100.5440% | 1,074 |
| Assets per employee ($millions) | 1.9165% | 7,771 |
| Cash dividends to net income (ytd only)* | -30.9220% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 1,322 |
| Loan loss allowance to noncurrent loans | 49.5158% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 11.6575% | 269 |
| Noncurrent loans to loans | 4.9018% | 1,389 |
| Net loans and leases to total assets | 69.4061% | 3,385 |
| Net loans and leases to deposits | 78.3578% | 4,308 |
| Net loans and leases to core deposits | 108.2482% | 3,081 |
| Total domestic deposits to total assets | 88.5758% | 1,688 |
| Equity capital to assets | 8.0417% | 6,534 |
| Core capital (leverage) ratio | 7.8439% | 6,396 |
| Tier 1 risk-based capital ratio | 10.6416% | 6,258 |
| Total risk-based capital ratio | 11.9038% | 6,224 |
| Memoranda: | ||
| Average total assets | $67,422,400 | 6,096 |
| Average earning assets | $58,666,000 | 6,190 |
| Average equity | $5,583,200 | 6,750 |
| Average total loans | $49,403,800 | 5,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2406% | 214 |
| Cost of funding earning assets | 2.6816% | 830 |
| Net interest margin | 4.5590% | 1,062 |
| Noninterest income to average assets | 1.1610% | 1,172 |
| Noninterest expense to average assets | 4.4242% | 808 |
| Loan and lease loss provision to assets | 0.8825% | 2,179 |
| Net operating income to assets | -0.1549% | 5,994 |
| Return on assets (ROA) | -0.1137% | 5,942 |
| Pretax return on assets | -0.1137% | 5,862 |
| Return on Equity (ROE) | -1.3641% | 5,996 |
| Retained earnings to average equity (ytd only) | -6.4913% | 6,443 |
| Net charge-offs to loans | 0.3907% | 3,702 |
| Credit loss provision to net charge-offs | 306.1224% | 1,351 |
| Earnings coverage of net charge-offs (x) | 2.5237% | 3,963 |
| Efficiency ratio | 85.8774% | 2,075 |
| Assets per employee ($millions) | 1.9173% | 7,849 |
| Cash dividends to net income (ytd only)* | -375.8696% | 8,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,506 |
| Loan loss allowance to noncurrent loans | 65.7937% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 8.4673% | 481 |
| Noncurrent loans to loans | 2.6348% | 2,872 |
| Net loans and leases to total assets | 70.0276% | 3,510 |
| Net loans and leases to deposits | 80.9718% | 4,202 |
| Net loans and leases to core deposits | 110.6840% | 3,159 |
| Total domestic deposits to total assets | 86.4839% | 2,433 |
| Equity capital to assets | 8.4345% | 6,337 |
| Core capital (leverage) ratio | 8.3158% | 5,808 |
| Tier 1 risk-based capital ratio | 11.4071% | 5,524 |
| Total risk-based capital ratio | 12.6634% | 5,461 |
| Memoranda: | ||
| Average total assets | $67,988,000 | 6,103 |
| Average earning assets | $59,514,500 | 6,187 |
| Average equity | $5,669,000 | 6,792 |
| Average total loans | $50,167,250 | 5,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2960% | 210 |
| Cost of funding earning assets | 2.7588% | 880 |
| Net interest margin | 4.5371% | 1,085 |
| Noninterest income to average assets | 1.2360% | 1,009 |
| Noninterest expense to average assets | 4.2939% | 953 |
| Loan and lease loss provision to assets | 1.3181% | 1,307 |
| Net operating income to assets | -0.3778% | 6,421 |
| Return on assets (ROA) | -0.3163% | 6,357 |
| Pretax return on assets | -0.3163% | 6,249 |
| Return on Equity (ROE) | -3.8082% | 6,454 |
| Retained earnings to average equity (ytd only) | -11.4951% | 7,009 |
| Net charge-offs to loans | 0.4671% | 2,962 |
| Credit loss provision to net charge-offs | 378.1513% | 1,228 |
| Earnings coverage of net charge-offs (x) | 2.6975% | 3,732 |
| Efficiency ratio | 82.0369% | 2,720 |
| Assets per employee ($millions) | 1.7671% | 7,992 |
| Cash dividends to net income (ytd only)* | -201.8519% | 8,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 2,337 |
| Loan loss allowance to noncurrent loans | 552.9032% | 597 |
| Noncurrent assets plus other real estate owned to assets | 5.7096% | 867 |
| Noncurrent loans to loans | 0.3081% | 6,742 |
| Net loans and leases to total assets | 73.6530% | 2,801 |
| Net loans and leases to deposits | 84.8656% | 3,742 |
| Net loans and leases to core deposits | 113.1581% | 3,001 |
| Total domestic deposits to total assets | 86.7878% | 2,359 |
| Equity capital to assets | 8.1623% | 6,544 |
| Core capital (leverage) ratio | 8.1911% | 5,999 |
| Tier 1 risk-based capital ratio | 11.1185% | 5,753 |
| Total risk-based capital ratio | 12.3742% | 5,662 |
| Memoranda: | ||
| Average total assets | $68,282,330 | 6,143 |
| Average earning assets | $60,170,330 | 6,218 |
| Average equity | $5,672,000 | 6,845 |
| Average total loans | $50,949,330 | 5,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3636% | 203 |
| Cost of funding earning assets | 2.8008% | 979 |
| Net interest margin | 4.5628% | 1,012 |
| Noninterest income to average assets | 1.2607% | 898 |
| Noninterest expense to average assets | 4.1308% | 1,023 |
| Loan and lease loss provision to assets | 2.6144% | 433 |
| Net operating income to assets | -1.4641% | 7,480 |
| Return on assets (ROA) | -1.3827% | 7,468 |
| Pretax return on assets | -1.3711% | 7,329 |
| Return on Equity (ROE) | -16.5063% | 7,659 |
| Retained earnings to average equity (ytd only) | -20.3901% | 7,655 |
| Net charge-offs to loans | 0.8817% | 1,485 |
| Credit loss provision to net charge-offs | 398.2301% | 1,306 |
| Earnings coverage of net charge-offs (x) | 1.7699% | 3,848 |
| Efficiency ratio | 78.0461% | 3,158 |
| Assets per employee ($millions) | 1.7887% | 8,021 |
| Cash dividends to net income (ytd only)* | -23.5294% | 8,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 2,178 |
| Loan loss allowance to noncurrent loans | 113.8522% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 6.2085% | 623 |
| Noncurrent loans to loans | 1.4837% | 4,073 |
| Net loans and leases to total assets | 73.8933% | 2,783 |
| Net loans and leases to deposits | 88.1606% | 3,263 |
| Net loans and leases to core deposits | 116.6040% | 2,727 |
| Total domestic deposits to total assets | 83.8166% | 3,791 |
| Equity capital to assets | 8.2932% | 6,403 |
| Core capital (leverage) ratio | 8.1334% | 6,220 |
| Tier 1 risk-based capital ratio | 11.1936% | 5,708 |
| Total risk-based capital ratio | 12.4502% | 5,620 |
| Memoranda: | ||
| Average total assets | $68,848,500 | 6,147 |
| Average earning assets | $60,839,500 | 6,223 |
| Average equity | $5,767,500 | 6,854 |
| Average total loans | $51,266,500 | 5,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8200% | 239 |
| Cost of funding earning assets | 3.3490% | 812 |
| Net interest margin | 4.4711% | 1,487 |
| Noninterest income to average assets | 0.8583% | 2,175 |
| Noninterest expense to average assets | 3.9666% | 1,467 |
| Loan and lease loss provision to assets | 0.3839% | 3,391 |
| Net operating income to assets | 0.4399% | 4,992 |
| Return on assets (ROA) | -0.2617% | 6,541 |
| Pretax return on assets | -0.1323% | 6,307 |
| Return on Equity (ROE) | -2.9209% | 6,611 |
| Retained earnings to average equity (ytd only) | -7.8318% | 6,872 |
| Net charge-offs to loans | 0.5408% | 2,206 |
| Credit loss provision to net charge-offs | 93.0314% | 5,596 |
| Earnings coverage of net charge-offs (x) | 2.3101% | 4,930 |
| Efficiency ratio | 80.6254% | 2,514 |
| Assets per employee ($millions) | 1.8349% | 8,022 |
| Cash dividends to net income (ytd only)* | -168.1319% | 8,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 5,839 |
| Loan loss allowance to noncurrent loans | 46.6726% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 6.1440% | 477 |
| Noncurrent loans to loans | 2.1907% | 2,523 |
| Net loans and leases to total assets | 73.0258% | 3,351 |
| Net loans and leases to deposits | 88.6363% | 3,697 |
| Net loans and leases to core deposits | 121.5314% | 2,552 |
| Total domestic deposits to total assets | 82.3882% | 4,048 |
| Equity capital to assets | 8.4588% | 6,158 |
| Core capital (leverage) ratio | 8.5876% | 5,407 |
| Tier 1 risk-based capital ratio | 11.6224% | 5,137 |
| Total risk-based capital ratio | 12.6606% | 5,228 |
| Memoranda: | ||
| Average total assets | $69,556,400 | 6,051 |
| Average earning assets | $63,183,800 | 6,045 |
| Average equity | $6,231,000 | 6,722 |
| Average total loans | $53,067,400 | 5,575 |