Home > Cooper State Bank > Performance and Condition Ratios
Cooper State Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 1,745 |
| Cost of funding earning assets | 0.5829% | 1,560 |
| Net interest margin | 3.8236% | 2,155 |
| Noninterest income to average assets | 1.6699% | 458 |
| Noninterest expense to average assets | 4.9863% | 294 |
| Loan and lease loss provision to assets | 0.1086% | 1,892 |
| Net operating income to assets | -0.0558% | 6,061 |
| Return on assets (ROA) | -0.0558% | 6,097 |
| Pretax return on assets | -0.0558% | 6,089 |
| Return on Equity (ROE) | -0.7637% | 6,111 |
| Retained earnings to average equity (ytd only) | -0.7637% | 5,511 |
| Net charge-offs to loans | 0.1292% | 1,477 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 0.4865% | 3,045 |
| Efficiency ratio | 98.9517% | 398 |
| Assets per employee ($millions) | 1.9222% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 4,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 83.5267% | 340 |
| Net loans and leases to deposits | 106.9047% | 287 |
| Net loans and leases to core deposits | 110.4786% | 726 |
| Total domestic deposits to total assets | 78.1319% | 5,421 |
| Equity capital to assets | 7.3887% | 6,205 |
| Core capital (leverage) ratio | 7.3514% | 6,186 |
| Tier 1 risk-based capital ratio | 10.1265% | 6,133 |
| Total risk-based capital ratio | 11.3763% | 6,084 |
| Memoranda: | ||
| Average total assets | $136,294,000 | 3,875 |
| Average earning assets | $120,096,000 | 3,971 |
| Average equity | $9,951,500 | 4,793 |
| Average total loans | $114,531,000 | 3,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,340 |
| Cost of funding earning assets | 0.5164% | 2,520 |
| Net interest margin | 4.1702% | 1,387 |
| Noninterest income to average assets | 1.9535% | 356 |
| Noninterest expense to average assets | 5.3344% | 253 |
| Loan and lease loss provision to assets | 0.1446% | 1,832 |
| Net operating income to assets | 0.1173% | 5,927 |
| Return on assets (ROA) | 0.1665% | 5,888 |
| Pretax return on assets | 0.1665% | 5,920 |
| Return on Equity (ROE) | 2.1567% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.1567% | 4,701 |
| Net charge-offs to loans | 0.1892% | 2,155 |
| Credit loss provision to net charge-offs | 90.2439% | 2,646 |
| Earnings coverage of net charge-offs (x) | 1.6341% | 4,374 |
| Efficiency ratio | 95.3206% | 532 |
| Assets per employee ($millions) | 1.9441% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.7285% | 457 |
| Net loans and leases to deposits | 109.3700% | 257 |
| Net loans and leases to core deposits | 112.7634% | 655 |
| Total domestic deposits to total assets | 75.6410% | 5,797 |
| Equity capital to assets | 7.2165% | 6,301 |
| Core capital (leverage) ratio | 7.2042% | 6,272 |
| Tier 1 risk-based capital ratio | 9.9637% | 6,271 |
| Total risk-based capital ratio | 11.2040% | 6,225 |
| Memoranda: | ||
| Average total assets | $127,924,200 | 4,016 |
| Average earning assets | $111,745,200 | 4,141 |
| Average equity | $9,876,200 | 4,776 |
| Average total loans | $108,356,400 | 3,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,340 |
| Cost of funding earning assets | 0.4792% | 2,964 |
| Net interest margin | 4.2070% | 1,268 |
| Noninterest income to average assets | 1.9872% | 349 |
| Noninterest expense to average assets | 5.3280% | 250 |
| Loan and lease loss provision to assets | 0.1361% | 1,835 |
| Net operating income to assets | 0.1914% | 5,866 |
| Return on assets (ROA) | 0.2350% | 5,824 |
| Pretax return on assets | 0.2350% | 5,895 |
| Return on Equity (ROE) | 2.9900% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.9900% | 4,475 |
| Net charge-offs to loans | 0.1601% | 2,203 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 2.4063% | 3,920 |
| Efficiency ratio | 94.2094% | 585 |
| Assets per employee ($millions) | 2.0643% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 4,813 |
| Loan loss allowance to noncurrent loans | 5,250.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,102 |
| Noncurrent loans to loans | 0.0207% | 5,942 |
| Net loans and leases to total assets | 84.1944% | 327 |
| Net loans and leases to deposits | 112.8581% | 167 |
| Net loans and leases to core deposits | 116.4499% | 490 |
| Total domestic deposits to total assets | 74.6020% | 5,957 |
| Equity capital to assets | 7.3325% | 6,331 |
| Core capital (leverage) ratio | 7.5719% | 6,249 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,322 |
| Total risk-based capital ratio | 11.3509% | 6,287 |
| Memoranda: | ||
| Average total assets | $125,397,500 | 4,114 |
| Average earning assets | $109,338,000 | 4,237 |
| Average equity | $9,855,000 | 4,818 |
| Average total loans | $106,587,750 | 3,314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,236 |
| Cost of funding earning assets | 0.4514% | 3,316 |
| Net interest margin | 4.2725% | 1,087 |
| Noninterest income to average assets | 1.9904% | 346 |
| Noninterest expense to average assets | 5.5575% | 226 |
| Loan and lease loss provision to assets | 0.0640% | 2,991 |
| Net operating income to assets | 0.0838% | 6,074 |
| Return on assets (ROA) | 0.0838% | 6,098 |
| Pretax return on assets | 0.0838% | 6,111 |
| Return on Equity (ROE) | 1.0398% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.0398% | 5,344 |
| Net charge-offs to loans | 0.1141% | 2,521 |
| Credit loss provision to net charge-offs | 66.1017% | 2,533 |
| Earnings coverage of net charge-offs (x) | 1.5254% | 3,787 |
| Efficiency ratio | 97.4093% | 487 |
| Assets per employee ($millions) | 1.9080% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 4,731 |
| Loan loss allowance to noncurrent loans | 11,272.7273% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,225 |
| Noncurrent loans to loans | 0.0101% | 6,059 |
| Net loans and leases to total assets | 84.3852% | 275 |
| Net loans and leases to deposits | 123.6211% | 61 |
| Net loans and leases to core deposits | 125.6807% | 273 |
| Total domestic deposits to total assets | 68.2612% | 6,414 |
| Equity capital to assets | 7.7280% | 6,286 |
| Core capital (leverage) ratio | 7.8276% | 6,195 |
| Tier 1 risk-based capital ratio | 10.2758% | 6,315 |
| Total risk-based capital ratio | 11.5258% | 6,273 |
| Memoranda: | ||
| Average total assets | $121,782,330 | 4,200 |
| Average earning assets | $105,886,330 | 4,328 |
| Average equity | $9,810,000 | 4,845 |
| Average total loans | $103,460,670 | 3,384 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 1,176 |
| Cost of funding earning assets | 0.4500% | 3,431 |
| Net interest margin | 4.2865% | 1,023 |
| Noninterest income to average assets | 1.9704% | 344 |
| Noninterest expense to average assets | 5.6115% | 224 |
| Loan and lease loss provision to assets | 0.0539% | 3,035 |
| Net operating income to assets | 0.0269% | 6,173 |
| Return on assets (ROA) | 0.0269% | 6,191 |
| Pretax return on assets | 0.0269% | 6,184 |
| Return on Equity (ROE) | 0.3273% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.3273% | 5,437 |
| Net charge-offs to loans | 0.1033% | 2,142 |
| Credit loss provision to net charge-offs | 61.5385% | 2,086 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 3,231 |
| Efficiency ratio | 98.5799% | 522 |
| Assets per employee ($millions) | 1.7813% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,549 |
| Loan loss allowance to noncurrent loans | 2,976.1905% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,191 |
| Noncurrent loans to loans | 0.0410% | 6,026 |
| Net loans and leases to total assets | 83.6178% | 252 |
| Net loans and leases to deposits | 113.0417% | 112 |
| Net loans and leases to core deposits | 115.8687% | 410 |
| Total domestic deposits to total assets | 73.9707% | 6,243 |
| Equity capital to assets | 8.0850% | 5,990 |
| Core capital (leverage) ratio | 8.1820% | 5,966 |
| Tier 1 risk-based capital ratio | 10.9318% | 6,179 |
| Total risk-based capital ratio | 12.1845% | 6,135 |
| Memoranda: | ||
| Average total assets | $118,756,500 | 4,304 |
| Average earning assets | $103,114,500 | 4,426 |
| Average equity | $9,775,500 | 4,877 |
| Average total loans | $100,634,500 | 3,454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 1,076 |
| Cost of funding earning assets | 0.3599% | 5,051 |
| Net interest margin | 4.5501% | 667 |
| Noninterest income to average assets | 2.5365% | 275 |
| Noninterest expense to average assets | 6.3236% | 175 |
| Loan and lease loss provision to assets | 0.2394% | 1,512 |
| Net operating income to assets | 0.1587% | 5,925 |
| Return on assets (ROA) | 0.1623% | 5,981 |
| Pretax return on assets | 0.1623% | 6,001 |
| Return on Equity (ROE) | 2.1145% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.1145% | 4,734 |
| Net charge-offs to loans | 0.2144% | 2,745 |
| Credit loss provision to net charge-offs | 123.3645% | 1,927 |
| Earnings coverage of net charge-offs (x) | 2.0514% | 4,365 |
| Efficiency ratio | 94.0772% | 745 |
| Assets per employee ($millions) | 1.7371% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,264 |
| Loan loss allowance to noncurrent loans | 649.4845% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 5,814 |
| Noncurrent loans to loans | 0.1965% | 5,596 |
| Net loans and leases to total assets | 83.7518% | 271 |
| Net loans and leases to deposits | 109.8530% | 176 |
| Net loans and leases to core deposits | 111.1178% | 571 |
| Total domestic deposits to total assets | 76.2398% | 6,074 |
| Equity capital to assets | 8.3840% | 5,709 |
| Core capital (leverage) ratio | 8.4046% | 5,775 |
| Tier 1 risk-based capital ratio | 11.5388% | 5,887 |
| Total risk-based capital ratio | 12.7912% | 5,826 |
| Memoranda: | ||
| Average total assets | $110,268,800 | 4,492 |
| Average earning assets | $101,426,400 | 4,476 |
| Average equity | $8,465,200 | 5,222 |
| Average total loans | $99,822,400 | 3,448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 1,158 |
| Cost of funding earning assets | 0.3283% | 5,480 |
| Net interest margin | 4.5545% | 673 |
| Noninterest income to average assets | 2.6509% | 271 |
| Noninterest expense to average assets | 6.5108% | 168 |
| Loan and lease loss provision to assets | 0.2710% | 1,296 |
| Net operating income to assets | 0.1214% | 6,095 |
| Return on assets (ROA) | 0.1263% | 6,153 |
| Pretax return on assets | 0.1263% | 6,182 |
| Return on Equity (ROE) | 1.6867% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.6867% | 5,297 |
| Net charge-offs to loans | 0.2344% | 2,398 |
| Credit loss provision to net charge-offs | 125.5682% | 1,872 |
| Earnings coverage of net charge-offs (x) | 1.8182% | 4,226 |
| Efficiency ratio | 94.3162% | 718 |
| Assets per employee ($millions) | 1.7111% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,587 |
| Loan loss allowance to noncurrent loans | 774.6914% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,034 |
| Noncurrent loans to loans | 0.1628% | 5,828 |
| Net loans and leases to total assets | 84.4401% | 221 |
| Net loans and leases to deposits | 110.5844% | 143 |
| Net loans and leases to core deposits | 112.4989% | 488 |
| Total domestic deposits to total assets | 76.3581% | 6,132 |
| Equity capital to assets | 8.3287% | 5,894 |
| Core capital (leverage) ratio | 8.8590% | 5,310 |
| Tier 1 risk-based capital ratio | 11.5379% | 6,039 |
| Total risk-based capital ratio | 12.7903% | 6,008 |
| Memoranda: | ||
| Average total assets | $108,739,000 | 4,563 |
| Average earning assets | $101,522,750 | 4,516 |
| Average equity | $8,142,000 | 5,352 |
| Average total loans | $100,093,750 | 3,469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 995 |
| Cost of funding earning assets | 0.3146% | 5,719 |
| Net interest margin | 4.6363% | 565 |
| Noninterest income to average assets | 2.7081% | 288 |
| Noninterest expense to average assets | 6.7458% | 157 |
| Loan and lease loss provision to assets | 0.2994% | 1,209 |
| Net operating income to assets | 0.1036% | 6,126 |
| Return on assets (ROA) | 0.1111% | 6,200 |
| Pretax return on assets | 0.1111% | 6,214 |
| Return on Equity (ROE) | 1.5474% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.5474% | 5,251 |
| Net charge-offs to loans | 0.2453% | 2,254 |
| Credit loss provision to net charge-offs | 129.2683% | 1,748 |
| Earnings coverage of net charge-offs (x) | 1.7398% | 3,954 |
| Efficiency ratio | 94.3625% | 750 |
| Assets per employee ($millions) | 1.5611% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,699 |
| Loan loss allowance to noncurrent loans | 768.5185% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 6,027 |
| Noncurrent loans to loans | 0.1639% | 5,916 |
| Net loans and leases to total assets | 93.3076% | 10 |
| Net loans and leases to deposits | 112.0492% | 113 |
| Net loans and leases to core deposits | 114.3600% | 427 |
| Total domestic deposits to total assets | 83.2737% | 4,600 |
| Equity capital to assets | 7.3158% | 6,506 |
| Core capital (leverage) ratio | 7.0960% | 6,585 |
| Tier 1 risk-based capital ratio | 10.5592% | 6,484 |
| Total risk-based capital ratio | 11.8173% | 6,458 |
| Memoranda: | ||
| Average total assets | $106,199,670 | 4,663 |
| Average earning assets | $101,718,670 | 4,523 |
| Average equity | $7,625,670 | 5,530 |
| Average total loans | $100,289,330 | 3,483 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 910 |
| Cost of funding earning assets | 0.3130% | 5,865 |
| Net interest margin | 4.6747% | 495 |
| Noninterest income to average assets | 2.5420% | 312 |
| Noninterest expense to average assets | 6.6429% | 163 |
| Loan and lease loss provision to assets | 0.3065% | 1,116 |
| Net operating income to assets | 0.0598% | 6,228 |
| Return on assets (ROA) | 0.0748% | 6,286 |
| Pretax return on assets | 0.0748% | 6,297 |
| Return on Equity (ROE) | 1.0509% | 6,211 |
| Retained earnings to average equity (ytd only) | 1.0509% | 5,432 |
| Net charge-offs to loans | 0.2416% | 2,002 |
| Credit loss provision to net charge-offs | 134.4262% | 1,479 |
| Earnings coverage of net charge-offs (x) | 1.6066% | 3,297 |
| Efficiency ratio | 94.7733% | 794 |
| Assets per employee ($millions) | 1.7462% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 5,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 92.6173% | 15 |
| Net loans and leases to deposits | 109.3393% | 136 |
| Net loans and leases to core deposits | 114.0073% | 389 |
| Total domestic deposits to total assets | 84.7063% | 4,177 |
| Equity capital to assets | 7.0483% | 6,701 |
| Core capital (leverage) ratio | 7.0533% | 6,625 |
| Tier 1 risk-based capital ratio | 10.3371% | 6,624 |
| Total risk-based capital ratio | 11.5928% | 6,608 |
| Memoranda: | ||
| Average total assets | $107,001,500 | 4,679 |
| Average earning assets | $102,252,500 | 4,562 |
| Average equity | $7,612,500 | 5,602 |
| Average total loans | $101,013,500 | 3,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 1,628 |
| Cost of funding earning assets | 0.3808% | 6,048 |
| Net interest margin | 4.5960% | 793 |
| Noninterest income to average assets | 2.9843% | 258 |
| Noninterest expense to average assets | 7.3684% | 131 |
| Loan and lease loss provision to assets | 0.3497% | 1,909 |
| Net operating income to assets | -0.3622% | 6,490 |
| Return on assets (ROA) | -0.3430% | 6,524 |
| Pretax return on assets | -0.3430% | 6,503 |
| Return on Equity (ROE) | -4.6065% | 6,578 |
| Retained earnings to average equity (ytd only) | -4.6065% | 6,398 |
| Net charge-offs to loans | 0.3088% | 3,101 |
| Credit loss provision to net charge-offs | 128.1690% | 2,198 |
| Earnings coverage of net charge-offs (x) | -0.0458% | 5,509 |
| Efficiency ratio | 100.1698% | 557 |
| Assets per employee ($millions) | 1.6521% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 5,094 |
| Loan loss allowance to noncurrent loans | 121,000.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,721 |
| Noncurrent loans to loans | 0.0010% | 6,596 |
| Net loans and leases to total assets | 93.9245% | 8 |
| Net loans and leases to deposits | 110.0166% | 155 |
| Net loans and leases to core deposits | 113.7986% | 422 |
| Total domestic deposits to total assets | 85.3730% | 3,676 |
| Equity capital to assets | 7.1820% | 6,727 |
| Core capital (leverage) ratio | 7.2074% | 6,628 |
| Tier 1 risk-based capital ratio | 10.3132% | 6,613 |
| Total risk-based capital ratio | 11.5680% | 6,576 |
| Memoranda: | ||
| Average total assets | $104,079,000 | 4,729 |
| Average earning assets | $98,999,200 | 4,614 |
| Average equity | $7,750,000 | 5,571 |
| Average total loans | $91,978,800 | 3,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,823 |
| Cost of funding earning assets | 0.4018% | 6,111 |
| Net interest margin | 4.5508% | 901 |
| Noninterest income to average assets | 3.0161% | 244 |
| Noninterest expense to average assets | 7.4791% | 124 |
| Loan and lease loss provision to assets | 0.3395% | 1,930 |
| Net operating income to assets | -0.4759% | 6,690 |
| Return on assets (ROA) | -0.4913% | 6,729 |
| Pretax return on assets | -0.4913% | 6,703 |
| Return on Equity (ROE) | -6.5390% | 6,772 |
| Retained earnings to average equity (ytd only) | -6.5390% | 6,696 |
| Net charge-offs to loans | 0.3176% | 2,856 |
| Credit loss provision to net charge-offs | 123.3645% | 2,347 |
| Earnings coverage of net charge-offs (x) | -0.4953% | 5,494 |
| Efficiency ratio | 101.8567% | 486 |
| Assets per employee ($millions) | 1.5710% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,723 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 90.8471% | 34 |
| Net loans and leases to deposits | 105.3628% | 247 |
| Net loans and leases to core deposits | 105.9500% | 742 |
| Total domestic deposits to total assets | 86.2231% | 3,136 |
| Equity capital to assets | 7.2366% | 6,836 |
| Core capital (leverage) ratio | 7.4487% | 6,646 |
| Tier 1 risk-based capital ratio | 10.4032% | 6,700 |
| Total risk-based capital ratio | 11.6567% | 6,676 |
| Memoranda: | ||
| Average total assets | $103,664,750 | 4,784 |
| Average earning assets | $98,559,500 | 4,676 |
| Average equity | $7,789,000 | 5,615 |
| Average total loans | $89,843,000 | 3,793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 1,868 |
| Cost of funding earning assets | 0.4171% | 6,180 |
| Net interest margin | 4.5551% | 899 |
| Noninterest income to average assets | 3.0504% | 239 |
| Noninterest expense to average assets | 7.4776% | 130 |
| Loan and lease loss provision to assets | 0.2676% | 2,444 |
| Net operating income to assets | -0.3743% | 6,663 |
| Return on assets (ROA) | -0.3665% | 6,708 |
| Pretax return on assets | -0.3665% | 6,678 |
| Return on Equity (ROE) | -4.8175% | 6,763 |
| Retained earnings to average equity (ytd only) | -4.8175% | 6,606 |
| Net charge-offs to loans | 0.2354% | 3,160 |
| Credit loss provision to net charge-offs | 133.9806% | 2,049 |
| Earnings coverage of net charge-offs (x) | -0.5340% | 5,244 |
| Efficiency ratio | 101.4470% | 509 |
| Assets per employee ($millions) | 1.4855% | 7,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 6,750 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 87.3065% | 100 |
| Net loans and leases to deposits | 100.5336% | 403 |
| Net loans and leases to core deposits | 101.1038% | 1,034 |
| Total domestic deposits to total assets | 86.8431% | 2,864 |
| Equity capital to assets | 7.5911% | 6,762 |
| Core capital (leverage) ratio | 7.6004% | 6,569 |
| Tier 1 risk-based capital ratio | 11.2852% | 6,343 |
| Total risk-based capital ratio | 12.5410% | 6,320 |
| Memoranda: | ||
| Average total assets | $103,134,330 | 4,823 |
| Average earning assets | $97,825,000 | 4,716 |
| Average equity | $7,846,330 | 5,618 |
| Average total loans | $87,523,330 | 3,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 2,037 |
| Cost of funding earning assets | 0.4486% | 6,154 |
| Net interest margin | 4.5107% | 991 |
| Noninterest income to average assets | 2.8961% | 256 |
| Noninterest expense to average assets | 7.3542% | 134 |
| Loan and lease loss provision to assets | 0.1392% | 3,618 |
| Net operating income to assets | -0.3209% | 6,718 |
| Return on assets (ROA) | -0.3055% | 6,752 |
| Pretax return on assets | -0.3055% | 6,736 |
| Return on Equity (ROE) | -4.0107% | 6,813 |
| Retained earnings to average equity (ytd only) | -4.0107% | 6,498 |
| Net charge-offs to loans | 0.0977% | 3,553 |
| Credit loss provision to net charge-offs | 171.4286% | 1,491 |
| Earnings coverage of net charge-offs (x) | -2.2381% | 4,621 |
| Efficiency ratio | 102.5337% | 485 |
| Assets per employee ($millions) | 1.4775% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 6,819 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 83.0897% | 215 |
| Net loans and leases to deposits | 94.7226% | 622 |
| Net loans and leases to core deposits | 95.2485% | 1,355 |
| Total domestic deposits to total assets | 87.7190% | 2,513 |
| Equity capital to assets | 7.6362% | 6,720 |
| Core capital (leverage) ratio | 7.7129% | 6,473 |
| Tier 1 risk-based capital ratio | 11.6722% | 6,178 |
| Total risk-based capital ratio | 12.9276% | 6,148 |
| Memoranda: | ||
| Average total assets | $103,451,000 | 4,852 |
| Average earning assets | $98,077,500 | 4,746 |
| Average equity | $7,879,000 | 5,632 |
| Average total loans | $85,957,500 | 3,940 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 2,275 |
| Cost of funding earning assets | 0.6298% | 5,926 |
| Net interest margin | 4.5132% | 1,107 |
| Noninterest income to average assets | 3.3115% | 189 |
| Noninterest expense to average assets | 7.8903% | 109 |
| Loan and lease loss provision to assets | 0.1743% | 4,457 |
| Net operating income to assets | -0.4567% | 6,457 |
| Return on assets (ROA) | -0.4200% | 6,483 |
| Pretax return on assets | -0.4200% | 6,433 |
| Return on Equity (ROE) | -5.2301% | 6,542 |
| Retained earnings to average equity (ytd only) | -5.2301% | 6,464 |
| Net charge-offs to loans | 0.1313% | 5,099 |
| Credit loss provision to net charge-offs | 162.7451% | 1,687 |
| Earnings coverage of net charge-offs (x) | -2.6373% | 6,308 |
| Efficiency ratio | 103.7124% | 574 |
| Assets per employee ($millions) | 1.5217% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 6,882 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 80.8918% | 414 |
| Net loans and leases to deposits | 92.3018% | 942 |
| Net loans and leases to core deposits | 92.6440% | 1,826 |
| Total domestic deposits to total assets | 87.6384% | 2,377 |
| Equity capital to assets | 7.5961% | 6,773 |
| Core capital (leverage) ratio | 7.8684% | 6,386 |
| Tier 1 risk-based capital ratio | 12.0484% | 5,802 |
| Total risk-based capital ratio | 13.3190% | 5,771 |
| Memoranda: | ||
| Average total assets | $95,243,600 | 5,037 |
| Average earning assets | $90,667,600 | 4,909 |
| Average equity | $7,648,000 | 5,674 |
| Average total loans | $77,708,400 | 4,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 2,219 |
| Cost of funding earning assets | 0.6608% | 5,979 |
| Net interest margin | 4.5367% | 1,074 |
| Noninterest income to average assets | 3.4396% | 184 |
| Noninterest expense to average assets | 8.0210% | 106 |
| Loan and lease loss provision to assets | 0.1731% | 4,305 |
| Net operating income to assets | -0.4321% | 6,604 |
| Return on assets (ROA) | -0.3820% | 6,615 |
| Pretax return on assets | -0.3820% | 6,552 |
| Return on Equity (ROE) | -4.6872% | 6,665 |
| Retained earnings to average equity (ytd only) | -4.6872% | 6,577 |
| Net charge-offs to loans | 0.1264% | 4,782 |
| Credit loss provision to net charge-offs | 168.0556% | 1,798 |
| Earnings coverage of net charge-offs (x) | -2.5139% | 6,047 |
| Efficiency ratio | 103.3364% | 572 |
| Assets per employee ($millions) | 1.4784% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,922 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 79.3743% | 575 |
| Net loans and leases to deposits | 91.0418% | 1,104 |
| Net loans and leases to core deposits | 91.8437% | 2,015 |
| Total domestic deposits to total assets | 87.1844% | 2,534 |
| Equity capital to assets | 7.9393% | 6,734 |
| Core capital (leverage) ratio | 8.3425% | 5,925 |
| Tier 1 risk-based capital ratio | 12.5656% | 5,436 |
| Total risk-based capital ratio | 13.8205% | 5,421 |
| Memoranda: | ||
| Average total assets | $93,186,000 | 5,131 |
| Average earning assets | $88,784,500 | 4,999 |
| Average equity | $7,595,000 | 5,728 |
| Average total loans | $75,927,500 | 4,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,935 |
| Cost of funding earning assets | 0.6658% | 6,141 |
| Net interest margin | 4.6192% | 876 |
| Noninterest income to average assets | 3.4528% | 190 |
| Noninterest expense to average assets | 8.2209% | 105 |
| Loan and lease loss provision to assets | 0.1600% | 4,320 |
| Net operating income to assets | -0.5327% | 6,714 |
| Return on assets (ROA) | -0.4648% | 6,686 |
| Pretax return on assets | -0.4648% | 6,637 |
| Return on Equity (ROE) | -5.6493% | 6,755 |
| Retained earnings to average equity (ytd only) | -5.6493% | 6,621 |
| Net charge-offs to loans | 0.1045% | 4,639 |
| Credit loss provision to net charge-offs | 187.1795% | 1,617 |
| Earnings coverage of net charge-offs (x) | -4.3590% | 5,788 |
| Efficiency ratio | 104.7486% | 596 |
| Assets per employee ($millions) | 1.3068% | 7,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,961 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 84.5349% | 210 |
| Net loans and leases to deposits | 98.5532% | 563 |
| Net loans and leases to core deposits | 100.2578% | 1,321 |
| Total domestic deposits to total assets | 85.7759% | 3,455 |
| Equity capital to assets | 8.9153% | 5,693 |
| Core capital (leverage) ratio | 8.7684% | 5,094 |
| Tier 1 risk-based capital ratio | 13.2347% | 4,739 |
| Total risk-based capital ratio | 14.4906% | 4,713 |
| Memoranda: | ||
| Average total assets | $91,231,000 | 5,228 |
| Average earning assets | $86,810,670 | 5,102 |
| Average equity | $7,505,330 | 5,766 |
| Average total loans | $74,658,000 | 4,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 1,992 |
| Cost of funding earning assets | 0.6748% | 6,276 |
| Net interest margin | 4.5907% | 877 |
| Noninterest income to average assets | 3.2519% | 199 |
| Noninterest expense to average assets | 8.0339% | 106 |
| Loan and lease loss provision to assets | 0.1831% | 3,780 |
| Net operating income to assets | -0.6059% | 6,869 |
| Return on assets (ROA) | -0.5013% | 6,810 |
| Pretax return on assets | -0.5013% | 6,748 |
| Return on Equity (ROE) | -6.3549% | 6,885 |
| Retained earnings to average equity (ytd only) | -6.3549% | 6,622 |
| Net charge-offs to loans | 0.1255% | 3,770 |
| Credit loss provision to net charge-offs | 182.6087% | 1,603 |
| Earnings coverage of net charge-offs (x) | -4.2174% | 5,017 |
| Efficiency ratio | 105.5556% | 587 |
| Assets per employee ($millions) | 1.3004% | 7,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 7,017 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 79.3980% | 575 |
| Net loans and leases to deposits | 91.3649% | 1,075 |
| Net loans and leases to core deposits | 92.6081% | 2,058 |
| Total domestic deposits to total assets | 86.9021% | 2,992 |
| Equity capital to assets | 8.9509% | 5,282 |
| Core capital (leverage) ratio | 8.9753% | 4,653 |
| Tier 1 risk-based capital ratio | 13.8555% | 4,174 |
| Total risk-based capital ratio | 15.1129% | 4,140 |
| Memoranda: | ||
| Average total assets | $91,761,000 | 5,246 |
| Average earning assets | $87,133,500 | 5,123 |
| Average equity | $7,238,500 | 5,861 |
| Average total loans | $73,324,000 | 4,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2617% | 3,308 |
| Cost of funding earning assets | 1.0278% | 5,544 |
| Net interest margin | 4.2338% | 2,049 |
| Noninterest income to average assets | 3.1340% | 221 |
| Noninterest expense to average assets | 9.2471% | 92 |
| Loan and lease loss provision to assets | 0.4142% | 3,620 |
| Net operating income to assets | -2.5149% | 7,178 |
| Return on assets (ROA) | -2.4739% | 7,186 |
| Pretax return on assets | -2.4739% | 7,157 |
| Return on Equity (ROE) | -33.6626% | 7,274 |
| Retained earnings to average equity (ytd only) | -33.6626% | 7,264 |
| Net charge-offs to loans | 0.2841% | 4,599 |
| Credit loss provision to net charge-offs | 190.5759% | 1,690 |
| Earnings coverage of net charge-offs (x) | -9.6649% | 6,799 |
| Efficiency ratio | 129.3949% | 324 |
| Assets per employee ($millions) | 1.3405% | 7,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 7,085 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 78.0835% | 934 |
| Net loans and leases to deposits | 88.8633% | 1,668 |
| Net loans and leases to core deposits | 89.4777% | 2,833 |
| Total domestic deposits to total assets | 87.8692% | 2,329 |
| Equity capital to assets | 6.8428% | 7,160 |
| Core capital (leverage) ratio | 6.8693% | 7,081 |
| Tier 1 risk-based capital ratio | 10.8846% | 6,424 |
| Total risk-based capital ratio | 12.1413% | 6,394 |
| Memoranda: | ||
| Average total assets | $87,876,000 | 5,351 |
| Average earning assets | $83,281,800 | 5,243 |
| Average equity | $6,458,200 | 6,213 |
| Average total loans | $67,231,800 | 4,780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 3,622 |
| Cost of funding earning assets | 1.1074% | 5,385 |
| Net interest margin | 4.1342% | 2,465 |
| Noninterest income to average assets | 3.0457% | 221 |
| Noninterest expense to average assets | 9.5460% | 85 |
| Loan and lease loss provision to assets | 0.4197% | 3,389 |
| Net operating income to assets | -3.0057% | 7,450 |
| Return on assets (ROA) | -2.9503% | 7,450 |
| Pretax return on assets | -2.9503% | 7,407 |
| Return on Equity (ROE) | -39.4207% | 7,485 |
| Retained earnings to average equity (ytd only) | -39.4207% | 7,481 |
| Net charge-offs to loans | 0.2861% | 4,225 |
| Credit loss provision to net charge-offs | 193.6170% | 1,844 |
| Earnings coverage of net charge-offs (x) | -11.9288% | 6,632 |
| Efficiency ratio | 137.1548% | 261 |
| Assets per employee ($millions) | 1.3564% | 7,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 4,034 |
| Loan loss allowance to noncurrent loans | 1,601.5625% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 7,157 |
| Noncurrent loans to loans | 0.0927% | 6,999 |
| Net loans and leases to total assets | 77.1462% | 1,190 |
| Net loans and leases to deposits | 87.4674% | 2,084 |
| Net loans and leases to core deposits | 88.0972% | 3,357 |
| Total domestic deposits to total assets | 88.1999% | 1,856 |
| Equity capital to assets | 7.5140% | 7,122 |
| Core capital (leverage) ratio | 7.2301% | 7,040 |
| Tier 1 risk-based capital ratio | 11.4675% | 5,964 |
| Total risk-based capital ratio | 12.7230% | 5,943 |
| Memoranda: | ||
| Average total assets | $86,722,000 | 5,455 |
| Average earning assets | $82,109,750 | 5,342 |
| Average equity | $6,490,500 | 6,280 |
| Average total loans | $65,718,000 | 4,918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 4,156 |
| Cost of funding earning assets | 1.1570% | 5,357 |
| Net interest margin | 4.0004% | 3,013 |
| Noninterest income to average assets | 2.7829% | 235 |
| Noninterest expense to average assets | 9.6684% | 83 |
| Loan and lease loss provision to assets | 0.3641% | 3,525 |
| Net operating income to assets | -3.4648% | 7,575 |
| Return on assets (ROA) | -3.4648% | 7,579 |
| Pretax return on assets | -3.4648% | 7,541 |
| Return on Equity (ROE) | -46.3567% | 7,588 |
| Retained earnings to average equity (ytd only) | -46.3567% | 7,583 |
| Net charge-offs to loans | 0.2105% | 4,351 |
| Credit loss provision to net charge-offs | 230.8824% | 1,675 |
| Earnings coverage of net charge-offs (x) | -19.6618% | 6,340 |
| Efficiency ratio | 147.2105% | 218 |
| Assets per employee ($millions) | 1.1846% | 7,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,099 |
| Loan loss allowance to noncurrent loans | 1,558.7302% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 7,217 |
| Noncurrent loans to loans | 0.0939% | 7,079 |
| Net loans and leases to total assets | 73.4121% | 2,058 |
| Net loans and leases to deposits | 87.6886% | 2,231 |
| Net loans and leases to core deposits | 89.2589% | 3,378 |
| Total domestic deposits to total assets | 83.7191% | 4,237 |
| Equity capital to assets | 7.7855% | 6,942 |
| Core capital (leverage) ratio | 7.8870% | 6,397 |
| Tier 1 risk-based capital ratio | 12.4843% | 4,875 |
| Total risk-based capital ratio | 13.7409% | 4,848 |
| Memoranda: | ||
| Average total assets | $86,239,670 | 5,501 |
| Average earning assets | $81,591,330 | 5,384 |
| Average equity | $6,445,670 | 6,317 |
| Average total loans | $64,609,330 | 4,996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 4,380 |
| Cost of funding earning assets | 1.1640% | 5,582 |
| Net interest margin | 3.9686% | 3,000 |
| Noninterest income to average assets | 2.4992% | 256 |
| Noninterest expense to average assets | 9.7360% | 77 |
| Loan and lease loss provision to assets | 0.4363% | 2,781 |
| Net operating income to assets | -3.9219% | 7,712 |
| Return on assets (ROA) | -3.9219% | 7,715 |
| Pretax return on assets | -3.9219% | 7,684 |
| Return on Equity (ROE) | -53.6665% | 7,725 |
| Retained earnings to average equity (ytd only) | -53.6665% | 7,715 |
| Net charge-offs to loans | 0.1452% | 4,061 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | -31.9565% | 5,589 |
| Efficiency ratio | 155.7663% | 191 |
| Assets per employee ($millions) | 1.2783% | 7,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 3,975 |
| Loan loss allowance to noncurrent loans | 1,577.0492% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 7,309 |
| Noncurrent loans to loans | 0.0943% | 7,160 |
| Net loans and leases to total assets | 74.4387% | 1,880 |
| Net loans and leases to deposits | 90.7688% | 1,788 |
| Net loans and leases to core deposits | 92.5113% | 3,046 |
| Total domestic deposits to total assets | 82.0091% | 5,068 |
| Equity capital to assets | 6.7064% | 7,477 |
| Core capital (leverage) ratio | 6.5813% | 7,438 |
| Tier 1 risk-based capital ratio | 10.6955% | 6,447 |
| Total risk-based capital ratio | 11.9713% | 6,407 |
| Memoranda: | ||
| Average total assets | $84,346,500 | 5,619 |
| Average earning assets | $79,725,500 | 5,516 |
| Average equity | $6,164,000 | 6,465 |
| Average total loans | $63,378,000 | 5,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 6,279 |
| Cost of funding earning assets | 1.7427% | 4,288 |
| Net interest margin | 3.3052% | 5,718 |
| Noninterest income to average assets | 2.4305% | 284 |
| Noninterest expense to average assets | 10.9989% | 89 |
| Loan and lease loss provision to assets | 0.6530% | 3,198 |
| Net operating income to assets | -6.0954% | 7,841 |
| Return on assets (ROA) | -6.0954% | 7,834 |
| Pretax return on assets | -6.0954% | 7,812 |
| Return on Equity (ROE) | -59.7156% | 7,754 |
| Retained earnings to average equity (ytd only) | -59.7156% | 7,750 |
| Net charge-offs to loans | 0.2376% | 5,139 |
| Credit loss provision to net charge-offs | 380.0000% | 838 |
| Earnings coverage of net charge-offs (x) | -31.6720% | 7,204 |
| Efficiency ratio | 197.9466% | 146 |
| Assets per employee ($millions) | 1.3614% | 7,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,035 |
| Loan loss allowance to noncurrent loans | 1,488.3333% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 7,315 |
| Noncurrent loans to loans | 0.0967% | 7,170 |
| Net loans and leases to total assets | 73.6296% | 2,354 |
| Net loans and leases to deposits | 88.8258% | 2,416 |
| Net loans and leases to core deposits | 94.7470% | 4,594 |
| Total domestic deposits to total assets | 82.8922% | 4,569 |
| Equity capital to assets | 7.9283% | 6,644 |
| Core capital (leverage) ratio | 8.0499% | 6,084 |
| Tier 1 risk-based capital ratio | 12.5377% | 4,490 |
| Total risk-based capital ratio | 13.7934% | 4,431 |
| Memoranda: | ||
| Average total assets | $72,743,400 | 5,922 |
| Average earning assets | $68,799,800 | 5,846 |
| Average equity | $7,425,200 | 6,115 |
| Average total loans | $52,616,400 | 5,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 6,598 |
| Cost of funding earning assets | 1.8826% | 3,973 |
| Net interest margin | 3.1183% | 6,262 |
| Noninterest income to average assets | 2.3524% | 292 |
| Noninterest expense to average assets | 11.4788% | 88 |
| Loan and lease loss provision to assets | 0.5016% | 3,383 |
| Net operating income to assets | -6.6790% | 7,968 |
| Return on assets (ROA) | -6.6790% | 7,963 |
| Pretax return on assets | -6.6790% | 7,950 |
| Return on Equity (ROE) | -61.3784% | 7,901 |
| Retained earnings to average equity (ytd only) | -61.3784% | 7,899 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 216.5233% | 118 |
| Assets per employee ($millions) | 1.2024% | 8,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.8061% | 3,313 |
| Net loans and leases to deposits | 84.4469% | 3,579 |
| Net loans and leases to core deposits | 89.6889% | 5,465 |
| Total domestic deposits to total assets | 83.8468% | 3,795 |
| Equity capital to assets | 9.1911% | 5,181 |
| Core capital (leverage) ratio | 9.3508% | 4,111 |
| Tier 1 risk-based capital ratio | 14.9867% | 3,044 |
| Total risk-based capital ratio | 16.2415% | 2,983 |
| Memoranda: | ||
| Average total assets | $70,168,250 | 6,038 |
| Average earning assets | $66,359,750 | 5,956 |
| Average equity | $7,635,500 | 6,100 |
| Average total loans | $50,261,000 | 5,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 6,629 |
| Cost of funding earning assets | 2.0430% | 3,556 |
| Net interest margin | 3.0046% | 6,538 |
| Noninterest income to average assets | 2.1101% | 337 |
| Noninterest expense to average assets | 11.3614% | 98 |
| Loan and lease loss provision to assets | 0.2086% | 4,956 |
| Net operating income to assets | -6.6195% | 8,029 |
| Return on assets (ROA) | -6.6195% | 8,022 |
| Pretax return on assets | -6.6195% | 7,994 |
| Return on Equity (ROE) | -57.3211% | 7,962 |
| Retained earnings to average equity (ytd only) | -57.3211% | 7,959 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.5003% | 142 |
| Assets per employee ($millions) | 1.2183% | 8,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 4,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.6458% | 4,224 |
| Net loans and leases to deposits | 80.7910% | 4,423 |
| Net loans and leases to core deposits | 86.4391% | 5,856 |
| Total domestic deposits to total assets | 83.7294% | 3,905 |
| Equity capital to assets | 8.9009% | 5,452 |
| Core capital (leverage) ratio | 9.0031% | 4,626 |
| Tier 1 risk-based capital ratio | 14.1732% | 3,421 |
| Total risk-based capital ratio | 15.4250% | 3,356 |
| Memoranda: | ||
| Average total assets | $67,104,670 | 6,187 |
| Average earning assets | $63,436,670 | 6,097 |
| Average equity | $7,749,330 | 6,110 |
| Average total loans | $48,015,330 | 5,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 6,375 |
| Cost of funding earning assets | 2.0894% | 3,697 |
| Net interest margin | 3.0907% | 6,228 |
| Noninterest income to average assets | 1.8646% | 402 |
| Noninterest expense to average assets | 10.7531% | 100 |
| Loan and lease loss provision to assets | 0.1827% | 4,618 |
| Net operating income to assets | -6.1545% | 8,097 |
| Return on assets (ROA) | -6.1545% | 8,087 |
| Pretax return on assets | -6.1545% | 8,060 |
| Return on Equity (ROE) | -46.9909% | 8,034 |
| Retained earnings to average equity (ytd only) | -46.9909% | 8,019 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.9012% | 153 |
| Assets per employee ($millions) | 1.1674% | 8,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,818 |
| Loan loss allowance to noncurrent loans | 57,200.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,667 |
| Noncurrent loans to loans | 0.0021% | 7,584 |
| Net loans and leases to total assets | 68.4859% | 4,018 |
| Net loans and leases to deposits | 89.6885% | 2,978 |
| Net loans and leases to core deposits | 96.7172% | 4,875 |
| Total domestic deposits to total assets | 76.3597% | 6,442 |
| Equity capital to assets | 11.3802% | 2,668 |
| Core capital (leverage) ratio | 12.8959% | 1,520 |
| Tier 1 risk-based capital ratio | 18.8950% | 1,836 |
| Total risk-based capital ratio | 20.1608% | 1,789 |
| Memoranda: | ||
| Average total assets | $63,498,000 | 6,339 |
| Average earning assets | $59,921,000 | 6,258 |
| Average equity | $8,316,500 | 5,950 |
| Average total loans | $46,580,000 | 5,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7980% | 6,442 |
| Cost of funding earning assets | 2.6074% | 3,651 |
| Net interest margin | 3.1906% | 6,389 |
| Noninterest income to average assets | 1.4198% | 712 |
| Noninterest expense to average assets | 9.7465% | 151 |
| Loan and lease loss provision to assets | 0.5963% | 2,440 |
| Net operating income to assets | -5.9459% | 8,151 |
| Return on assets (ROA) | -5.9230% | 8,141 |
| Pretax return on assets | -5.9230% | 8,098 |
| Return on Equity (ROE) | -27.8104% | 7,914 |
| Retained earnings to average equity (ytd only) | -27.8104% | 7,864 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.6690% | 168 |
| Assets per employee ($millions) | 1.4176% | 8,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,570 |
| Loan loss allowance to noncurrent loans | 18,100.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 7,629 |
| Noncurrent loans to loans | 0.0066% | 7,529 |
| Net loans and leases to total assets | 77.2100% | 2,325 |
| Net loans and leases to deposits | 112.7368% | 671 |
| Net loans and leases to core deposits | 123.5199% | 2,356 |
| Total domestic deposits to total assets | 68.4870% | 7,424 |
| Equity capital to assets | 15.1320% | 1,126 |
| Core capital (leverage) ratio | 16.0566% | 813 |
| Tier 1 risk-based capital ratio | 23.0474% | 1,185 |
| Total risk-based capital ratio | 24.3241% | 1,158 |
| Memoranda: | ||
| Average total assets | $47,965,800 | 6,863 |
| Average earning assets | $44,756,800 | 6,826 |
| Average equity | $10,215,600 | 5,337 |
| Average total loans | $35,549,600 | 6,389 |