Home > Community National Bank of the Lakeway Area > Performance and Condition Ratios
Community National Bank of the Lakeway Area, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,030 |
| Cost of funding earning assets | 0.6084% | 1,828 |
| Net interest margin | 3.3187% | 4,513 |
| Noninterest income to average assets | 0.3533% | 4,599 |
| Noninterest expense to average assets | 3.9567% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5670% | 6,448 |
| Return on assets (ROA) | -0.5670% | 6,453 |
| Pretax return on assets | -0.5670% | 6,439 |
| Return on Equity (ROE) | -5.9804% | 6,454 |
| Retained earnings to average equity (ytd only) | -5.9804% | 6,290 |
| Net charge-offs to loans | 0.1607% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -6.7143% | 4,301 |
| Efficiency ratio | 116.7260% | 166 |
| Assets per employee ($millions) | 3.8849% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 3,561 |
| Loan loss allowance to noncurrent loans | 72.0705% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8010% | 1,799 |
| Noncurrent loans to loans | 1.8806% | 1,824 |
| Net loans and leases to total assets | 51.0811% | 4,850 |
| Net loans and leases to deposits | 61.1533% | 4,768 |
| Net loans and leases to core deposits | 66.3575% | 4,606 |
| Total domestic deposits to total assets | 83.5295% | 4,097 |
| Equity capital to assets | 9.5257% | 4,718 |
| Core capital (leverage) ratio | 8.6834% | 5,426 |
| Tier 1 risk-based capital ratio | 14.9668% | 3,660 |
| Total risk-based capital ratio | 16.1740% | 3,622 |
| Memoranda: | ||
| Average total assets | $116,055,330 | 4,328 |
| Average earning assets | $106,185,330 | 4,320 |
| Average equity | $11,002,670 | 4,609 |
| Average total loans | $61,001,670 | 4,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,848 |
| Cost of funding earning assets | 0.6033% | 1,943 |
| Net interest margin | 3.3582% | 4,300 |
| Noninterest income to average assets | 0.3661% | 4,456 |
| Noninterest expense to average assets | 3.5852% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1623% | 6,332 |
| Return on assets (ROA) | -0.1623% | 6,336 |
| Pretax return on assets | -0.1623% | 6,324 |
| Return on Equity (ROE) | -1.7164% | 6,345 |
| Retained earnings to average equity (ytd only) | -1.7164% | 5,827 |
| Net charge-offs to loans | 0.1304% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.3500% | 3,542 |
| Efficiency ratio | 104.7427% | 354 |
| Assets per employee ($millions) | 3.8190% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,637 |
| Loan loss allowance to noncurrent loans | 101.3158% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 2,341 |
| Noncurrent loans to loans | 1.3760% | 2,727 |
| Net loans and leases to total assets | 50.6048% | 4,841 |
| Net loans and leases to deposits | 60.7943% | 4,681 |
| Net loans and leases to core deposits | 65.6135% | 4,534 |
| Total domestic deposits to total assets | 83.2393% | 4,521 |
| Equity capital to assets | 9.3640% | 4,677 |
| Core capital (leverage) ratio | 9.1088% | 4,857 |
| Tier 1 risk-based capital ratio | 15.1976% | 3,617 |
| Total risk-based capital ratio | 16.4326% | 3,576 |
| Memoranda: | ||
| Average total assets | $115,809,000 | 4,370 |
| Average earning assets | $105,413,500 | 4,379 |
| Average equity | $10,953,000 | 4,628 |
| Average total loans | $61,326,500 | 4,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,944 |
| Cost of funding earning assets | 0.6056% | 2,608 |
| Net interest margin | 3.6989% | 3,059 |
| Noninterest income to average assets | 0.3988% | 4,451 |
| Noninterest expense to average assets | 3.7653% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0193% | 6,233 |
| Return on assets (ROA) | 0.0472% | 6,183 |
| Pretax return on assets | 0.0636% | 6,138 |
| Return on Equity (ROE) | 0.4536% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.4536% | 5,641 |
| Net charge-offs to loans | 0.3345% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.1443% | 5,132 |
| Efficiency ratio | 100.7046% | 459 |
| Assets per employee ($millions) | 3.5384% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,653 |
| Loan loss allowance to noncurrent loans | 132.5688% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 2,422 |
| Noncurrent loans to loans | 1.0566% | 3,401 |
| Net loans and leases to total assets | 53.8983% | 4,590 |
| Net loans and leases to deposits | 64.1111% | 4,496 |
| Net loans and leases to core deposits | 69.2029% | 4,377 |
| Total domestic deposits to total assets | 84.0702% | 4,138 |
| Equity capital to assets | 9.5559% | 4,339 |
| Core capital (leverage) ratio | 9.7615% | 3,896 |
| Tier 1 risk-based capital ratio | 15.2501% | 3,515 |
| Total risk-based capital ratio | 16.4996% | 3,463 |
| Memoranda: | ||
| Average total assets | $110,082,800 | 4,498 |
| Average earning assets | $99,407,400 | 4,531 |
| Average equity | $11,463,400 | 4,548 |
| Average total loans | $60,082,000 | 4,607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,943 |
| Cost of funding earning assets | 0.6057% | 2,765 |
| Net interest margin | 3.7044% | 3,015 |
| Noninterest income to average assets | 0.4794% | 3,938 |
| Noninterest expense to average assets | 3.7451% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0682% | 6,192 |
| Return on assets (ROA) | 0.1757% | 6,048 |
| Pretax return on assets | 0.1976% | 6,044 |
| Return on Equity (ROE) | 1.6517% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.6517% | 5,316 |
| Net charge-offs to loans | 0.4427% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3182% | 4,759 |
| Efficiency ratio | 97.9891% | 529 |
| Assets per employee ($millions) | 3.4551% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 3,609 |
| Loan loss allowance to noncurrent loans | 118.5539% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 2,175 |
| Noncurrent loans to loans | 1.2374% | 3,337 |
| Net loans and leases to total assets | 54.4936% | 4,530 |
| Net loans and leases to deposits | 66.4909% | 4,244 |
| Net loans and leases to core deposits | 72.1275% | 4,074 |
| Total domestic deposits to total assets | 81.9565% | 4,946 |
| Equity capital to assets | 10.2439% | 3,583 |
| Core capital (leverage) ratio | 9.9707% | 3,714 |
| Tier 1 risk-based capital ratio | 16.0449% | 3,171 |
| Total risk-based capital ratio | 17.3075% | 3,123 |
| Memoranda: | ||
| Average total assets | $109,296,500 | 4,549 |
| Average earning assets | $98,618,250 | 4,599 |
| Average equity | $11,624,250 | 4,571 |
| Average total loans | $59,628,750 | 4,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 2,985 |
| Cost of funding earning assets | 0.6089% | 2,860 |
| Net interest margin | 3.6837% | 3,018 |
| Noninterest income to average assets | 0.4653% | 4,056 |
| Noninterest expense to average assets | 3.6628% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1236% | 6,077 |
| Return on assets (ROA) | 0.3036% | 5,746 |
| Pretax return on assets | 0.3036% | 5,874 |
| Return on Equity (ROE) | 2.8205% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.8205% | 4,520 |
| Net charge-offs to loans | 0.3280% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 4,291 |
| Efficiency ratio | 96.7355% | 629 |
| Assets per employee ($millions) | 3.4003% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 3,008 |
| Loan loss allowance to noncurrent loans | 170.1754% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 2,377 |
| Noncurrent loans to loans | 0.9646% | 4,009 |
| Net loans and leases to total assets | 53.4161% | 4,667 |
| Net loans and leases to deposits | 64.9389% | 4,384 |
| Net loans and leases to core deposits | 70.4215% | 4,223 |
| Total domestic deposits to total assets | 82.2559% | 4,958 |
| Equity capital to assets | 10.4524% | 3,368 |
| Core capital (leverage) ratio | 9.8279% | 3,759 |
| Tier 1 risk-based capital ratio | 16.0820% | 3,145 |
| Total risk-based capital ratio | 17.3454% | 3,080 |
| Memoranda: | ||
| Average total assets | $110,026,000 | 4,568 |
| Average earning assets | $99,194,000 | 4,611 |
| Average equity | $11,841,670 | 4,566 |
| Average total loans | $59,759,670 | 4,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,837 |
| Cost of funding earning assets | 0.6117% | 2,997 |
| Net interest margin | 3.7021% | 2,844 |
| Noninterest income to average assets | 0.3760% | 4,659 |
| Noninterest expense to average assets | 3.6878% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0145% | 6,321 |
| Return on assets (ROA) | 0.0362% | 6,368 |
| Pretax return on assets | 0.0362% | 6,363 |
| Return on Equity (ROE) | 0.3312% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.3312% | 5,679 |
| Net charge-offs to loans | -0.0266% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6094% | 561 |
| Assets per employee ($millions) | 3.5201% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,578 |
| Loan loss allowance to noncurrent loans | 288.9488% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9089% | 2,466 |
| Noncurrent loans to loans | 0.6271% | 4,876 |
| Net loans and leases to total assets | 53.2331% | 4,525 |
| Net loans and leases to deposits | 65.5891% | 4,108 |
| Net loans and leases to core deposits | 71.2818% | 3,917 |
| Total domestic deposits to total assets | 81.1615% | 5,459 |
| Equity capital to assets | 11.0583% | 2,896 |
| Core capital (leverage) ratio | 9.5984% | 3,930 |
| Tier 1 risk-based capital ratio | 15.9735% | 3,286 |
| Total risk-based capital ratio | 17.2396% | 3,234 |
| Memoranda: | ||
| Average total assets | $110,635,000 | 4,603 |
| Average earning assets | $99,402,500 | 4,645 |
| Average equity | $12,076,000 | 4,557 |
| Average total loans | $60,094,000 | 4,702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 3,705 |
| Cost of funding earning assets | 0.8683% | 2,155 |
| Net interest margin | 3.5602% | 4,264 |
| Noninterest income to average assets | -0.1293% | 6,936 |
| Noninterest expense to average assets | 3.6791% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.5872% | 6,611 |
| Return on assets (ROA) | -0.3810% | 6,548 |
| Pretax return on assets | -0.4072% | 6,529 |
| Return on Equity (ROE) | -3.5268% | 6,524 |
| Retained earnings to average equity (ytd only) | -3.5268% | 6,313 |
| Net charge-offs to loans | 0.2584% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -4.5962% | 5,902 |
| Efficiency ratio | 120.5268% | 209 |
| Assets per employee ($millions) | 3.3984% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 2,760 |
| Loan loss allowance to noncurrent loans | 119.0635% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.1703% | 2,265 |
| Noncurrent loans to loans | 1.4698% | 3,390 |
| Net loans and leases to total assets | 53.4642% | 4,695 |
| Net loans and leases to deposits | 65.4531% | 4,366 |
| Net loans and leases to core deposits | 71.0726% | 4,159 |
| Total domestic deposits to total assets | 81.6831% | 5,202 |
| Equity capital to assets | 10.7759% | 3,199 |
| Core capital (leverage) ratio | 9.5359% | 4,059 |
| Tier 1 risk-based capital ratio | 15.5760% | 3,387 |
| Total risk-based capital ratio | 16.8296% | 3,343 |
| Memoranda: | ||
| Average total assets | $114,431,000 | 4,481 |
| Average earning assets | $102,268,800 | 4,541 |
| Average equity | $12,362,600 | 4,485 |
| Average total loans | $60,380,400 | 4,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 3,873 |
| Cost of funding earning assets | 0.9299% | 1,980 |
| Net interest margin | 3.5121% | 4,598 |
| Noninterest income to average assets | 0.0035% | 6,924 |
| Noninterest expense to average assets | 3.6532% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.6342% | 6,750 |
| Return on assets (ROA) | -0.4011% | 6,693 |
| Pretax return on assets | -0.2771% | 6,588 |
| Return on Equity (ROE) | -3.7107% | 6,661 |
| Retained earnings to average equity (ytd only) | -3.7107% | 6,530 |
| Net charge-offs to loans | 0.1816% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -5.3659% | 5,715 |
| Efficiency ratio | 116.2302% | 227 |
| Assets per employee ($millions) | 3.4533% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,307 |
| Loan loss allowance to noncurrent loans | 144.5570% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.3121% | 2,297 |
| Noncurrent loans to loans | 1.3525% | 3,763 |
| Net loans and leases to total assets | 51.8225% | 5,076 |
| Net loans and leases to deposits | 63.9698% | 4,713 |
| Net loans and leases to core deposits | 69.6001% | 4,549 |
| Total domestic deposits to total assets | 81.0110% | 5,353 |
| Equity capital to assets | 11.0917% | 3,161 |
| Core capital (leverage) ratio | 9.5108% | 4,253 |
| Tier 1 risk-based capital ratio | 16.5258% | 2,982 |
| Total risk-based capital ratio | 17.7813% | 2,954 |
| Memoranda: | ||
| Average total assets | $115,001,750 | 4,509 |
| Average earning assets | $102,802,750 | 4,581 |
| Average equity | $12,432,000 | 4,520 |
| Average total loans | $60,218,750 | 4,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 3,706 |
| Cost of funding earning assets | 0.9732% | 1,919 |
| Net interest margin | 3.5415% | 4,503 |
| Noninterest income to average assets | 0.0738% | 6,783 |
| Noninterest expense to average assets | 3.5107% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2695% | 6,594 |
| Return on assets (ROA) | 0.0704% | 6,362 |
| Pretax return on assets | 0.0704% | 6,363 |
| Return on Equity (ROE) | 0.6565% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.6565% | 5,800 |
| Net charge-offs to loans | 0.2598% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.9873% | 5,380 |
| Efficiency ratio | 108.3157% | 358 |
| Assets per employee ($millions) | 3.5684% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 2,429 |
| Loan loss allowance to noncurrent loans | 479.0795% | 751 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 2,952 |
| Noncurrent loans to loans | 0.4040% | 5,724 |
| Net loans and leases to total assets | 49.2676% | 5,449 |
| Net loans and leases to deposits | 62.0917% | 4,981 |
| Net loans and leases to core deposits | 66.9768% | 4,898 |
| Total domestic deposits to total assets | 79.3465% | 5,891 |
| Equity capital to assets | 10.6346% | 3,535 |
| Core capital (leverage) ratio | 9.4755% | 4,173 |
| Tier 1 risk-based capital ratio | 16.7390% | 2,793 |
| Total risk-based capital ratio | 17.9922% | 2,740 |
| Memoranda: | ||
| Average total assets | $116,500,330 | 4,494 |
| Average earning assets | $104,194,000 | 4,565 |
| Average equity | $12,490,330 | 4,502 |
| Average total loans | $60,822,000 | 4,752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 3,484 |
| Cost of funding earning assets | 1.0291% | 1,819 |
| Net interest margin | 3.5744% | 4,376 |
| Noninterest income to average assets | -0.1657% | 7,189 |
| Noninterest expense to average assets | 3.5522% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5523% | 6,855 |
| Return on assets (ROA) | 0.1312% | 6,298 |
| Pretax return on assets | 0.1312% | 6,333 |
| Return on Equity (ROE) | 1.2185% | 6,304 |
| Retained earnings to average equity (ytd only) | 1.2185% | 5,604 |
| Net charge-offs to loans | 0.3309% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -3.1373% | 4,646 |
| Efficiency ratio | 118.4120% | 235 |
| Assets per employee ($millions) | 3.7674% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,544 |
| Loan loss allowance to noncurrent loans | 224.2830% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 2.1714% | 2,715 |
| Noncurrent loans to loans | 0.8665% | 4,934 |
| Net loans and leases to total assets | 50.6786% | 5,208 |
| Net loans and leases to deposits | 63.2090% | 4,742 |
| Net loans and leases to core deposits | 68.1682% | 4,660 |
| Total domestic deposits to total assets | 80.1762% | 5,816 |
| Equity capital to assets | 10.5558% | 3,420 |
| Core capital (leverage) ratio | 9.6595% | 3,829 |
| Tier 1 risk-based capital ratio | 16.6917% | 2,817 |
| Total risk-based capital ratio | 17.9477% | 2,769 |
| Memoranda: | ||
| Average total assets | $115,872,000 | 4,546 |
| Average earning assets | $102,618,000 | 4,641 |
| Average equity | $12,474,000 | 4,513 |
| Average total loans | $61,652,500 | 4,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 1,974 |
| Cost of funding earning assets | 1.2613% | 1,671 |
| Net interest margin | 3.9615% | 3,061 |
| Noninterest income to average assets | 0.3205% | 5,253 |
| Noninterest expense to average assets | 3.7535% | 1,434 |
| Loan and lease loss provision to assets | 0.1634% | 4,585 |
| Net operating income to assets | 0.0108% | 6,016 |
| Return on assets (ROA) | 0.1014% | 5,977 |
| Pretax return on assets | 0.0215% | 6,087 |
| Return on Equity (ROE) | 0.9353% | 5,978 |
| Retained earnings to average equity (ytd only) | 0.9353% | 5,423 |
| Net charge-offs to loans | 0.2799% | 4,021 |
| Credit loss provision to net charge-offs | 97.8495% | 3,675 |
| Earnings coverage of net charge-offs (x) | 0.5645% | 5,410 |
| Efficiency ratio | 97.5502% | 747 |
| Assets per employee ($millions) | 3.7082% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,433 |
| Loan loss allowance to noncurrent loans | 127.2349% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 3.0325% | 1,978 |
| Noncurrent loans to loans | 1.5283% | 3,857 |
| Net loans and leases to total assets | 53.6914% | 5,085 |
| Net loans and leases to deposits | 68.3806% | 4,386 |
| Net loans and leases to core deposits | 73.2194% | 4,348 |
| Total domestic deposits to total assets | 78.5186% | 6,090 |
| Equity capital to assets | 10.9782% | 2,999 |
| Core capital (leverage) ratio | 9.6294% | 3,825 |
| Tier 1 risk-based capital ratio | 16.8187% | 2,680 |
| Total risk-based capital ratio | 18.0763% | 2,644 |
| Memoranda: | ||
| Average total assets | $111,389,600 | 4,609 |
| Average earning assets | $99,180,800 | 4,657 |
| Average equity | $12,081,400 | 4,533 |
| Average total loans | $66,444,400 | 4,614 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 1,810 |
| Cost of funding earning assets | 1.3000% | 1,701 |
| Net interest margin | 4.0118% | 2,867 |
| Noninterest income to average assets | 0.2775% | 5,630 |
| Noninterest expense to average assets | 3.8153% | 1,286 |
| Loan and lease loss provision to assets | 0.1207% | 4,924 |
| Net operating income to assets | -0.0024% | 6,159 |
| Return on assets (ROA) | 0.1195% | 6,032 |
| Pretax return on assets | 0.0567% | 6,152 |
| Return on Equity (ROE) | 1.1049% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.1049% | 5,577 |
| Net charge-offs to loans | 0.0911% | 5,060 |
| Credit loss provision to net charge-offs | 217.3913% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,878 |
| Efficiency ratio | 98.5661% | 717 |
| Assets per employee ($millions) | 3.5645% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 2,339 |
| Loan loss allowance to noncurrent loans | 102.9719% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 3.2482% | 1,957 |
| Noncurrent loans to loans | 1.9420% | 3,440 |
| Net loans and leases to total assets | 55.0818% | 4,987 |
| Net loans and leases to deposits | 69.5023% | 4,383 |
| Net loans and leases to core deposits | 74.3976% | 4,392 |
| Total domestic deposits to total assets | 79.2518% | 5,935 |
| Equity capital to assets | 11.0483% | 3,092 |
| Core capital (leverage) ratio | 9.9451% | 3,515 |
| Tier 1 risk-based capital ratio | 16.8274% | 2,708 |
| Total risk-based capital ratio | 18.0863% | 2,676 |
| Memoranda: | ||
| Average total assets | $110,498,250 | 4,657 |
| Average earning assets | $98,972,500 | 4,692 |
| Average equity | $11,946,750 | 4,582 |
| Average total loans | $67,319,250 | 4,618 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 1,636 |
| Cost of funding earning assets | 1.3415% | 1,693 |
| Net interest margin | 4.0325% | 2,689 |
| Noninterest income to average assets | 0.2507% | 5,858 |
| Noninterest expense to average assets | 3.9393% | 1,131 |
| Loan and lease loss provision to assets | 0.1830% | 4,088 |
| Net operating income to assets | -0.2182% | 6,487 |
| Return on assets (ROA) | -0.2122% | 6,519 |
| Pretax return on assets | -0.2616% | 6,505 |
| Return on Equity (ROE) | -1.9781% | 6,513 |
| Retained earnings to average equity (ytd only) | -1.9781% | 6,246 |
| Net charge-offs to loans | 0.1345% | 4,400 |
| Credit loss provision to net charge-offs | 217.3913% | 1,373 |
| Earnings coverage of net charge-offs (x) | -1.0217% | 5,633 |
| Efficiency ratio | 102.2317% | 657 |
| Assets per employee ($millions) | 3.4201% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 2,635 |
| Loan loss allowance to noncurrent loans | 80.0750% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 3.9044% | 1,655 |
| Noncurrent loans to loans | 2.3871% | 3,001 |
| Net loans and leases to total assets | 60.1122% | 4,249 |
| Net loans and leases to deposits | 76.9450% | 3,301 |
| Net loans and leases to core deposits | 81.8228% | 3,530 |
| Total domestic deposits to total assets | 78.1236% | 6,265 |
| Equity capital to assets | 10.9209% | 3,034 |
| Core capital (leverage) ratio | 9.9596% | 3,313 |
| Tier 1 risk-based capital ratio | 15.8946% | 3,033 |
| Total risk-based capital ratio | 17.1523% | 3,003 |
| Memoranda: | ||
| Average total assets | $109,310,000 | 4,717 |
| Average earning assets | $97,655,330 | 4,768 |
| Average equity | $11,728,330 | 4,632 |
| Average total loans | $68,389,000 | 4,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3769% | 1,653 |
| Cost of funding earning assets | 1.3442% | 1,920 |
| Net interest margin | 4.0326% | 2,554 |
| Noninterest income to average assets | 0.4394% | 4,372 |
| Noninterest expense to average assets | 3.5370% | 1,914 |
| Loan and lease loss provision to assets | 0.2746% | 2,956 |
| Net operating income to assets | 0.1790% | 5,852 |
| Return on assets (ROA) | 0.1904% | 5,873 |
| Pretax return on assets | 0.2453% | 5,820 |
| Return on Equity (ROE) | 1.7906% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.7906% | 5,042 |
| Net charge-offs to loans | 0.1332% | 3,714 |
| Credit loss provision to net charge-offs | 326.0870% | 998 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,168 |
| Efficiency ratio | 87.5000% | 1,567 |
| Assets per employee ($millions) | 3.4133% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 2,831 |
| Loan loss allowance to noncurrent loans | 67.8325% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 4.2976% | 1,523 |
| Noncurrent loans to loans | 2.7381% | 2,760 |
| Net loans and leases to total assets | 61.9236% | 3,875 |
| Net loans and leases to deposits | 80.1479% | 2,701 |
| Net loans and leases to core deposits | 85.3010% | 2,988 |
| Total domestic deposits to total assets | 77.2616% | 6,490 |
| Equity capital to assets | 10.6853% | 3,000 |
| Core capital (leverage) ratio | 10.0032% | 3,141 |
| Tier 1 risk-based capital ratio | 15.4434% | 3,180 |
| Total risk-based capital ratio | 16.7002% | 3,132 |
| Memoranda: | ||
| Average total assets | $109,244,000 | 4,756 |
| Average earning assets | $97,603,500 | 4,797 |
| Average equity | $11,616,500 | 4,642 |
| Average total loans | $69,048,500 | 4,651 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 3,165 |
| Cost of funding earning assets | 1.7822% | 1,242 |
| Net interest margin | 3.5099% | 5,212 |
| Noninterest income to average assets | 0.4670% | 4,398 |
| Noninterest expense to average assets | 3.4935% | 2,198 |
| Loan and lease loss provision to assets | 0.7190% | 2,280 |
| Net operating income to assets | -0.5917% | 6,444 |
| Return on assets (ROA) | -0.1707% | 6,134 |
| Pretax return on assets | -0.1448% | 6,038 |
| Return on Equity (ROE) | -1.6465% | 6,134 |
| Retained earnings to average equity (ytd only) | -1.6465% | 5,910 |
| Net charge-offs to loans | 1.4619% | 1,512 |
| Credit loss provision to net charge-offs | 80.2804% | 5,555 |
| Earnings coverage of net charge-offs (x) | 0.1710% | 5,938 |
| Efficiency ratio | 95.7999% | 980 |
| Assets per employee ($millions) | 3.4145% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 2,946 |
| Loan loss allowance to noncurrent loans | 67.2508% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 4.1569% | 1,612 |
| Noncurrent loans to loans | 2.6395% | 2,879 |
| Net loans and leases to total assets | 62.1921% | 4,242 |
| Net loans and leases to deposits | 81.1137% | 2,966 |
| Net loans and leases to core deposits | 86.8631% | 3,204 |
| Total domestic deposits to total assets | 76.6728% | 6,534 |
| Equity capital to assets | 10.5818% | 3,081 |
| Core capital (leverage) ratio | 9.7849% | 3,335 |
| Tier 1 risk-based capital ratio | 15.7241% | 2,879 |
| Total risk-based capital ratio | 16.9809% | 2,839 |
| Memoranda: | ||
| Average total assets | $119,479,600 | 4,492 |
| Average earning assets | $108,235,600 | 4,508 |
| Average equity | $12,390,200 | 4,509 |
| Average total loans | $73,193,600 | 4,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 3,511 |
| Cost of funding earning assets | 1.8774% | 1,100 |
| Net interest margin | 3.3877% | 5,724 |
| Noninterest income to average assets | 0.4829% | 4,313 |
| Noninterest expense to average assets | 3.3902% | 2,325 |
| Loan and lease loss provision to assets | 0.6654% | 2,303 |
| Net operating income to assets | -0.3714% | 6,489 |
| Return on assets (ROA) | -0.0197% | 6,156 |
| Pretax return on assets | 0.0524% | 6,000 |
| Return on Equity (ROE) | -0.1905% | 6,160 |
| Retained earnings to average equity (ytd only) | -0.1905% | 5,824 |
| Net charge-offs to loans | 1.3046% | 1,562 |
| Credit loss provision to net charge-offs | 83.8843% | 5,008 |
| Earnings coverage of net charge-offs (x) | 0.2121% | 5,801 |
| Efficiency ratio | 95.2717% | 937 |
| Assets per employee ($millions) | 3.4953% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 2,654 |
| Loan loss allowance to noncurrent loans | 50.5738% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 4.0401% | 1,729 |
| Noncurrent loans to loans | 3.6444% | 2,145 |
| Net loans and leases to total assets | 61.0392% | 4,711 |
| Net loans and leases to deposits | 79.4971% | 3,545 |
| Net loans and leases to core deposits | 85.4077% | 3,746 |
| Total domestic deposits to total assets | 76.7816% | 6,535 |
| Equity capital to assets | 10.8181% | 3,150 |
| Core capital (leverage) ratio | 9.4738% | 3,940 |
| Tier 1 risk-based capital ratio | 15.6699% | 2,916 |
| Total risk-based capital ratio | 16.9271% | 2,873 |
| Memoranda: | ||
| Average total assets | $122,033,750 | 4,503 |
| Average earning assets | $110,789,000 | 4,515 |
| Average equity | $12,597,250 | 4,527 |
| Average total loans | $74,196,750 | 4,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 3,762 |
| Cost of funding earning assets | 1.9326% | 1,103 |
| Net interest margin | 3.3069% | 5,994 |
| Noninterest income to average assets | 0.5231% | 3,934 |
| Noninterest expense to average assets | 3.3590% | 2,374 |
| Loan and lease loss provision to assets | 0.3010% | 3,986 |
| Net operating income to assets | -0.1018% | 6,230 |
| Return on assets (ROA) | 0.1239% | 5,900 |
| Pretax return on assets | 0.1513% | 5,881 |
| Return on Equity (ROE) | 1.2186% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.2186% | 5,262 |
| Net charge-offs to loans | 0.5812% | 2,793 |
| Credit loss provision to net charge-offs | 85.7798% | 4,551 |
| Earnings coverage of net charge-offs (x) | 0.5046% | 5,223 |
| Efficiency ratio | 94.9932% | 1,009 |
| Assets per employee ($millions) | 3.5113% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 2,373 |
| Loan loss allowance to noncurrent loans | 62.9696% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 3.5672% | 1,969 |
| Noncurrent loans to loans | 3.0467% | 2,643 |
| Net loans and leases to total assets | 58.5723% | 5,321 |
| Net loans and leases to deposits | 75.3331% | 4,452 |
| Net loans and leases to core deposits | 80.5062% | 4,631 |
| Total domestic deposits to total assets | 77.7511% | 6,323 |
| Equity capital to assets | 10.4234% | 3,503 |
| Core capital (leverage) ratio | 9.3426% | 4,053 |
| Tier 1 risk-based capital ratio | 15.7663% | 2,769 |
| Total risk-based capital ratio | 17.0251% | 2,733 |
| Memoranda: | ||
| Average total assets | $124,263,670 | 4,485 |
| Average earning assets | $113,217,670 | 4,472 |
| Average equity | $12,637,000 | 4,518 |
| Average total loans | $75,020,000 | 4,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 3,580 |
| Cost of funding earning assets | 1.9897% | 1,128 |
| Net interest margin | 3.3045% | 5,956 |
| Noninterest income to average assets | 0.5826% | 3,390 |
| Noninterest expense to average assets | 3.4158% | 2,190 |
| Loan and lease loss provision to assets | 0.3201% | 3,499 |
| Net operating income to assets | -0.0096% | 6,316 |
| Return on assets (ROA) | -0.0096% | 6,410 |
| Pretax return on assets | -0.1441% | 6,501 |
| Return on Equity (ROE) | -0.0956% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.0956% | 5,856 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0980% | 1,073 |
| Assets per employee ($millions) | 3.6779% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 2,028 |
| Loan loss allowance to noncurrent loans | 67.7377% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 3.2443% | 2,208 |
| Noncurrent loans to loans | 3.0509% | 2,625 |
| Net loans and leases to total assets | 58.3227% | 5,380 |
| Net loans and leases to deposits | 73.5120% | 4,826 |
| Net loans and leases to core deposits | 78.9401% | 4,903 |
| Total domestic deposits to total assets | 79.3377% | 6,004 |
| Equity capital to assets | 10.1280% | 3,706 |
| Core capital (leverage) ratio | 9.1644% | 4,276 |
| Tier 1 risk-based capital ratio | 15.4799% | 2,880 |
| Total risk-based capital ratio | 16.7410% | 2,824 |
| Memoranda: | ||
| Average total assets | $124,947,500 | 4,523 |
| Average earning assets | $113,784,000 | 4,524 |
| Average equity | $12,550,500 | 4,575 |
| Average total loans | $75,834,500 | 4,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 2,887 |
| Cost of funding earning assets | 2.3581% | 1,432 |
| Net interest margin | 3.3869% | 5,418 |
| Noninterest income to average assets | 0.3693% | 5,449 |
| Noninterest expense to average assets | 4.7221% | 642 |
| Loan and lease loss provision to assets | 0.9605% | 2,357 |
| Net operating income to assets | -1.9428% | 7,065 |
| Return on assets (ROA) | -2.0103% | 7,096 |
| Pretax return on assets | -2.2894% | 7,059 |
| Return on Equity (ROE) | -17.8118% | 7,070 |
| Retained earnings to average equity (ytd only) | -17.8118% | 7,023 |
| Net charge-offs to loans | 2.7614% | 811 |
| Credit loss provision to net charge-offs | 51.2601% | 6,731 |
| Earnings coverage of net charge-offs (x) | -0.6683% | 6,790 |
| Efficiency ratio | 136.0875% | 413 |
| Assets per employee ($millions) | 3.5670% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,361 |
| Loan loss allowance to noncurrent loans | 72.3116% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.9941% | 2,341 |
| Noncurrent loans to loans | 2.5778% | 2,978 |
| Net loans and leases to total assets | 60.6820% | 5,237 |
| Net loans and leases to deposits | 76.6365% | 4,637 |
| Net loans and leases to core deposits | 102.8580% | 3,703 |
| Total domestic deposits to total assets | 79.1816% | 5,936 |
| Equity capital to assets | 9.9611% | 3,809 |
| Core capital (leverage) ratio | 9.0465% | 4,350 |
| Tier 1 risk-based capital ratio | 14.9292% | 2,981 |
| Total risk-based capital ratio | 16.1871% | 2,923 |
| Memoranda: | ||
| Average total assets | $118,590,200 | 4,617 |
| Average earning assets | $108,564,200 | 4,610 |
| Average equity | $13,384,400 | 4,409 |
| Average total loans | $80,467,000 | 4,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8604% | 2,626 |
| Cost of funding earning assets | 2.4010% | 1,633 |
| Net interest margin | 3.4595% | 5,033 |
| Noninterest income to average assets | 0.3919% | 5,365 |
| Noninterest expense to average assets | 5.1292% | 447 |
| Loan and lease loss provision to assets | 0.7964% | 2,372 |
| Net operating income to assets | -2.1198% | 7,364 |
| Return on assets (ROA) | -2.2912% | 7,399 |
| Pretax return on assets | -2.5612% | 7,367 |
| Return on Equity (ROE) | -19.6841% | 7,364 |
| Retained earnings to average equity (ytd only) | -19.6841% | 7,329 |
| Net charge-offs to loans | 3.4085% | 443 |
| Credit loss provision to net charge-offs | 33.6381% | 6,482 |
| Earnings coverage of net charge-offs (x) | -0.6641% | 6,549 |
| Efficiency ratio | 144.2024% | 346 |
| Assets per employee ($millions) | 3.6533% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 3,707 |
| Loan loss allowance to noncurrent loans | 68.4431% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.8806% | 2,411 |
| Noncurrent loans to loans | 2.1141% | 3,489 |
| Net loans and leases to total assets | 62.6751% | 5,123 |
| Net loans and leases to deposits | 80.7715% | 4,241 |
| Net loans and leases to core deposits | 108.4806% | 3,412 |
| Total domestic deposits to total assets | 77.5956% | 6,196 |
| Equity capital to assets | 10.5400% | 3,468 |
| Core capital (leverage) ratio | 10.2220% | 3,046 |
| Tier 1 risk-based capital ratio | 15.5967% | 2,772 |
| Total risk-based capital ratio | 16.8504% | 2,709 |
| Memoranda: | ||
| Average total assets | $117,026,250 | 4,670 |
| Average earning assets | $107,065,750 | 4,681 |
| Average equity | $13,621,500 | 4,387 |
| Average total loans | $81,284,250 | 4,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 1,922 |
| Cost of funding earning assets | 2.4915% | 1,643 |
| Net interest margin | 3.5746% | 4,471 |
| Noninterest income to average assets | 0.3943% | 5,340 |
| Noninterest expense to average assets | 6.9004% | 228 |
| Loan and lease loss provision to assets | 1.0625% | 1,606 |
| Net operating income to assets | -3.8682% | 7,811 |
| Return on assets (ROA) | -3.4458% | 7,758 |
| Pretax return on assets | -3.8401% | 7,718 |
| Return on Equity (ROE) | -28.6273% | 7,691 |
| Retained earnings to average equity (ytd only) | -28.6273% | 7,667 |
| Net charge-offs to loans | 3.6540% | 412 |
| Credit loss provision to net charge-offs | 40.6271% | 5,893 |
| Earnings coverage of net charge-offs (x) | -1.2415% | 6,276 |
| Efficiency ratio | 188.8730% | 221 |
| Assets per employee ($millions) | 3.1658% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 1,513 |
| Loan loss allowance to noncurrent loans | 100.9901% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 3.2354% | 1,935 |
| Noncurrent loans to loans | 2.0112% | 3,502 |
| Net loans and leases to total assets | 71.0435% | 3,454 |
| Net loans and leases to deposits | 90.0150% | 2,831 |
| Net loans and leases to core deposits | 121.7863% | 2,224 |
| Total domestic deposits to total assets | 78.9240% | 5,836 |
| Equity capital to assets | 11.5564% | 2,499 |
| Core capital (leverage) ratio | 10.3348% | 2,967 |
| Tier 1 risk-based capital ratio | 15.7092% | 2,728 |
| Total risk-based capital ratio | 16.9707% | 2,658 |
| Memoranda: | ||
| Average total assets | $114,631,000 | 4,757 |
| Average earning assets | $104,516,330 | 4,774 |
| Average equity | $13,798,000 | 4,353 |
| Average total loans | $82,048,000 | 4,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 2,102 |
| Cost of funding earning assets | 2.5232% | 1,828 |
| Net interest margin | 3.5378% | 4,575 |
| Noninterest income to average assets | 0.3466% | 5,673 |
| Noninterest expense to average assets | 7.1389% | 198 |
| Loan and lease loss provision to assets | 0.2986% | 3,558 |
| Net operating income to assets | -3.6888% | 7,947 |
| Return on assets (ROA) | -4.2456% | 7,997 |
| Pretax return on assets | -4.4275% | 7,944 |
| Return on Equity (ROE) | -34.6147% | 7,942 |
| Retained earnings to average equity (ytd only) | -34.6147% | 7,909 |
| Net charge-offs to loans | 5.0135% | 212 |
| Credit loss provision to net charge-offs | 8.3734% | 5,212 |
| Earnings coverage of net charge-offs (x) | -0.9952% | 5,357 |
| Efficiency ratio | 198.8528% | 189 |
| Assets per employee ($millions) | 3.1951% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 1,587 |
| Loan loss allowance to noncurrent loans | 48.8032% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.8818% | 1,347 |
| Noncurrent loans to loans | 3.9259% | 1,550 |
| Net loans and leases to total assets | 69.8750% | 3,699 |
| Net loans and leases to deposits | 89.0787% | 3,091 |
| Net loans and leases to core deposits | 120.7146% | 2,355 |
| Total domestic deposits to total assets | 78.4419% | 5,878 |
| Equity capital to assets | 11.8897% | 2,335 |
| Core capital (leverage) ratio | 11.4065% | 2,203 |
| Tier 1 risk-based capital ratio | 17.4559% | 2,199 |
| Total risk-based capital ratio | 18.7158% | 2,141 |
| Memoranda: | ||
| Average total assets | $116,544,500 | 4,739 |
| Average earning assets | $106,847,000 | 4,722 |
| Average equity | $14,294,500 | 4,270 |
| Average total loans | $82,896,500 | 4,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3671% | 3,595 |
| Cost of funding earning assets | 2.8085% | 2,671 |
| Net interest margin | 3.5586% | 5,058 |
| Noninterest income to average assets | 0.3790% | 5,652 |
| Noninterest expense to average assets | 3.7653% | 1,820 |
| Loan and lease loss provision to assets | 1.7183% | 753 |
| Net operating income to assets | -1.5020% | 7,465 |
| Return on assets (ROA) | -1.4639% | 7,395 |
| Pretax return on assets | -1.7687% | 7,366 |
| Return on Equity (ROE) | -10.4519% | 7,309 |
| Retained earnings to average equity (ytd only) | -10.4519% | 7,108 |
| Net charge-offs to loans | 0.1607% | 4,586 |
| Credit loss provision to net charge-offs | 1,556.0000% | 281 |
| Earnings coverage of net charge-offs (x) | -0.8720% | 6,573 |
| Efficiency ratio | 102.6246% | 899 |
| Assets per employee ($millions) | 3.2796% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0078% | 427 |
| Loan loss allowance to noncurrent loans | 60.7272% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.7903% | 1,130 |
| Noncurrent loans to loans | 4.9529% | 897 |
| Net loans and leases to total assets | 68.8841% | 4,283 |
| Net loans and leases to deposits | 88.0316% | 3,799 |
| Net loans and leases to core deposits | 117.8598% | 2,905 |
| Total domestic deposits to total assets | 78.2493% | 5,630 |
| Equity capital to assets | 12.6312% | 1,953 |
| Core capital (leverage) ratio | 12.5493% | 1,731 |
| Tier 1 risk-based capital ratio | 18.2830% | 1,963 |
| Total risk-based capital ratio | 19.5567% | 1,908 |
| Memoranda: | ||
| Average total assets | $113,191,800 | 4,688 |
| Average earning assets | $104,647,800 | 4,660 |
| Average equity | $15,853,600 | 3,964 |
| Average total loans | $77,778,400 | 4,592 |