Home > Core Business Bank > Performance and Condition Ratios
Core Business Bank, Performance and Condition Ratios
| 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 | 4.1067% | 3,699 |
| Cost of funding earning assets | 0.6143% | 2,974 |
| Net interest margin | 3.4925% | 3,727 |
| Noninterest income to average assets | 0.1012% | 6,573 |
| Noninterest expense to average assets | 3.6003% | 1,420 |
| Loan and lease loss provision to assets | -0.5378% | 6,960 |
| Net operating income to assets | 0.2404% | 5,758 |
| Return on assets (ROA) | 0.2404% | 5,883 |
| Pretax return on assets | 0.2404% | 5,990 |
| Return on Equity (ROE) | 2.3680% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.3680% | 4,845 |
| Net charge-offs to loans | -0.3631% | 6,805 |
| Credit loss provision to net charge-offs | 283.3333% | 837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0038% | 343 |
| Assets per employee ($millions) | 5.2014% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3702% | 1,296 |
| 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 | 51.8705% | 4,722 |
| Net loans and leases to deposits | 58.6692% | 4,951 |
| Net loans and leases to core deposits | 66.9465% | 4,420 |
| Total domestic deposits to total assets | 88.4118% | 2,060 |
| Equity capital to assets | 10.3161% | 3,780 |
| Core capital (leverage) ratio | 10.0993% | 3,274 |
| Tier 1 risk-based capital ratio | 25.7551% | 812 |
| Total risk-based capital ratio | 27.0271% | 802 |
| Memoranda: | ||
| Average total assets | $63,216,500 | 5,829 |
| Average earning assets | $57,953,500 | 5,798 |
| Average equity | $6,419,000 | 5,883 |
| Average total loans | $33,050,000 | 5,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 2,706 |
| Cost of funding earning assets | 0.6472% | 3,935 |
| Net interest margin | 4.0233% | 2,302 |
| Noninterest income to average assets | 0.8447% | 2,063 |
| Noninterest expense to average assets | 4.2052% | 762 |
| Loan and lease loss provision to assets | 0.2484% | 2,670 |
| Net operating income to assets | 0.0563% | 6,077 |
| Return on assets (ROA) | 0.2021% | 5,956 |
| Pretax return on assets | 0.2021% | 5,987 |
| Return on Equity (ROE) | 1.9267% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.9267% | 4,862 |
| Net charge-offs to loans | -0.0086% | 6,449 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2427% | 844 |
| Assets per employee ($millions) | 5.3347% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 1,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.1390% | 5,150 |
| Net loans and leases to deposits | 56.1627% | 5,431 |
| Net loans and leases to core deposits | 63.7769% | 4,983 |
| Total domestic deposits to total assets | 89.2746% | 1,392 |
| Equity capital to assets | 9.9959% | 4,169 |
| Core capital (leverage) ratio | 9.5690% | 4,011 |
| Tier 1 risk-based capital ratio | 24.2018% | 947 |
| Total risk-based capital ratio | 25.4774% | 928 |
| Memoranda: | ||
| Average total assets | $60,377,400 | 5,913 |
| Average earning assets | $55,004,200 | 5,889 |
| Average equity | $6,332,000 | 5,935 |
| Average total loans | $34,887,000 | 5,720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 2,511 |
| Cost of funding earning assets | 0.6424% | 4,264 |
| Net interest margin | 4.1274% | 1,992 |
| Noninterest income to average assets | 0.8699% | 1,943 |
| Noninterest expense to average assets | 4.3451% | 634 |
| Loan and lease loss provision to assets | 0.3363% | 1,943 |
| Net operating income to assets | -0.0516% | 6,341 |
| Return on assets (ROA) | 0.0381% | 6,359 |
| Pretax return on assets | 0.0381% | 6,356 |
| Return on Equity (ROE) | 0.3590% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.3590% | 5,981 |
| Net charge-offs to loans | 0.0490% | 4,971 |
| Credit loss provision to net charge-offs | 1,153.8462% | 236 |
| Earnings coverage of net charge-offs (x) | 9.7709% | 2,274 |
| Efficiency ratio | 93.8499% | 784 |
| Assets per employee ($millions) | 5.4532% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 1,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.3566% | 4,232 |
| Net loans and leases to deposits | 64.0003% | 4,710 |
| Net loans and leases to core deposits | 73.5797% | 4,029 |
| Total domestic deposits to total assets | 89.6192% | 1,062 |
| Equity capital to assets | 9.6076% | 5,049 |
| Core capital (leverage) ratio | 9.8060% | 3,807 |
| Tier 1 risk-based capital ratio | 21.1111% | 1,501 |
| Total risk-based capital ratio | 22.2656% | 1,487 |
| Memoranda: | ||
| Average total assets | $59,467,750 | 6,001 |
| Average earning assets | $54,173,500 | 5,987 |
| Average equity | $6,315,250 | 6,003 |
| Average total loans | $35,374,250 | 5,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 2,341 |
| Cost of funding earning assets | 0.6547% | 4,401 |
| Net interest margin | 4.1849% | 1,788 |
| Noninterest income to average assets | 1.3014% | 837 |
| Noninterest expense to average assets | 4.6836% | 460 |
| Loan and lease loss provision to assets | 0.2610% | 2,488 |
| Net operating income to assets | 0.1601% | 6,023 |
| Return on assets (ROA) | 0.2992% | 5,824 |
| Pretax return on assets | 0.2992% | 5,966 |
| Return on Equity (ROE) | 2.7195% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.7195% | 4,812 |
| Net charge-offs to loans | 0.0989% | 4,180 |
| Credit loss provision to net charge-offs | 441.1765% | 674 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 2,525 |
| Efficiency ratio | 91.7519% | 941 |
| Assets per employee ($millions) | 5.0813% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 1,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.6183% | 4,379 |
| Net loans and leases to deposits | 64.3018% | 4,722 |
| Net loans and leases to core deposits | 72.9364% | 4,175 |
| Total domestic deposits to total assets | 88.0508% | 2,108 |
| Equity capital to assets | 10.4289% | 3,772 |
| Core capital (leverage) ratio | 10.7316% | 2,559 |
| Tier 1 risk-based capital ratio | 23.0419% | 1,127 |
| Total risk-based capital ratio | 24.3112% | 1,106 |
| Memoranda: | ||
| Average total assets | $57,477,670 | 6,092 |
| Average earning assets | $52,236,000 | 6,085 |
| Average equity | $6,324,670 | 6,037 |
| Average total loans | $34,379,670 | 5,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 1,681 |
| Cost of funding earning assets | 0.6827% | 4,433 |
| Net interest margin | 4.3817% | 1,268 |
| Noninterest income to average assets | 0.7967% | 2,183 |
| Noninterest expense to average assets | 4.5793% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1794% | 6,043 |
| Return on assets (ROA) | 0.3661% | 5,584 |
| Pretax return on assets | 0.3661% | 5,818 |
| Return on Equity (ROE) | 3.2342% | 5,621 |
| Retained earnings to average equity (ytd only) | 3.2342% | 4,630 |
| Net charge-offs to loans | 0.2947% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,824 |
| Efficiency ratio | 96.2293% | 708 |
| Assets per employee ($millions) | 4.6753% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,681 |
| Loan loss allowance to noncurrent loans | 174.4737% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 5,202 |
| Noncurrent loans to loans | 1.0879% | 4,515 |
| Net loans and leases to total assets | 61.0794% | 3,432 |
| Net loans and leases to deposits | 69.3614% | 3,824 |
| Net loans and leases to core deposits | 81.6196% | 2,882 |
| Total domestic deposits to total assets | 88.0597% | 2,278 |
| Equity capital to assets | 11.2309% | 2,693 |
| Core capital (leverage) ratio | 11.6781% | 1,788 |
| Tier 1 risk-based capital ratio | 23.0553% | 1,126 |
| Total risk-based capital ratio | 24.3197% | 1,107 |
| Memoranda: | ||
| Average total assets | $55,729,000 | 6,183 |
| Average earning assets | $50,391,000 | 6,179 |
| Average equity | $6,307,500 | 6,070 |
| Average total loans | $33,935,000 | 5,914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 6,164 |
| Cost of funding earning assets | 0.8130% | 4,764 |
| Net interest margin | 3.3463% | 5,661 |
| Noninterest income to average assets | 0.2727% | 5,576 |
| Noninterest expense to average assets | 4.8609% | 429 |
| Loan and lease loss provision to assets | 0.5735% | 1,811 |
| Net operating income to assets | -2.0892% | 7,041 |
| Return on assets (ROA) | -2.0779% | 7,051 |
| Pretax return on assets | -2.0779% | 7,043 |
| Return on Equity (ROE) | -17.7459% | 6,948 |
| Retained earnings to average equity (ytd only) | -17.7459% | 6,932 |
| Net charge-offs to loans | 2.1591% | 603 |
| Credit loss provision to net charge-offs | 55.2536% | 5,294 |
| Earnings coverage of net charge-offs (x) | -1.4601% | 6,249 |
| Efficiency ratio | 145.3064% | 160 |
| Assets per employee ($millions) | 4.6128% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 2,040 |
| Loan loss allowance to noncurrent loans | 130.0567% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 4,700 |
| Noncurrent loans to loans | 1.6060% | 3,751 |
| Net loans and leases to total assets | 58.2632% | 4,320 |
| Net loans and leases to deposits | 66.3287% | 4,691 |
| Net loans and leases to core deposits | 75.3546% | 4,060 |
| Total domestic deposits to total assets | 87.8401% | 2,255 |
| Equity capital to assets | 11.4066% | 2,591 |
| Core capital (leverage) ratio | 11.3712% | 1,986 |
| Tier 1 risk-based capital ratio | 22.3945% | 1,181 |
| Total risk-based capital ratio | 23.6592% | 1,153 |
| Memoranda: | ||
| Average total assets | $53,179,000 | 6,255 |
| Average earning assets | $48,829,600 | 6,232 |
| Average equity | $6,226,800 | 6,094 |
| Average total loans | $25,566,200 | 6,388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 6,338 |
| Cost of funding earning assets | 0.8349% | 4,903 |
| Net interest margin | 3.3011% | 5,854 |
| Noninterest income to average assets | 0.3369% | 5,161 |
| Noninterest expense to average assets | 5.0029% | 371 |
| Loan and lease loss provision to assets | 0.7701% | 1,223 |
| Net operating income to assets | -2.3912% | 7,197 |
| Return on assets (ROA) | -2.3761% | 7,199 |
| Pretax return on assets | -2.3761% | 7,181 |
| Return on Equity (ROE) | -20.1554% | 7,099 |
| Retained earnings to average equity (ytd only) | -20.1554% | 7,084 |
| Net charge-offs to loans | 2.2650% | 534 |
| Credit loss provision to net charge-offs | 75.4342% | 4,293 |
| Earnings coverage of net charge-offs (x) | -1.5881% | 5,993 |
| Efficiency ratio | 147.9401% | 149 |
| Assets per employee ($millions) | 4.4398% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8622% | 967 |
| Loan loss allowance to noncurrent loans | 104.2341% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 3,856 |
| Noncurrent loans to loans | 2.7460% | 2,546 |
| Net loans and leases to total assets | 53.3166% | 5,276 |
| Net loans and leases to deposits | 61.2766% | 5,479 |
| Net loans and leases to core deposits | 71.8593% | 4,734 |
| Total domestic deposits to total assets | 87.0096% | 2,654 |
| Equity capital to assets | 12.1908% | 2,109 |
| Core capital (leverage) ratio | 11.6795% | 1,904 |
| Tier 1 risk-based capital ratio | 25.2538% | 890 |
| Total risk-based capital ratio | 26.5278% | 879 |
| Memoranda: | ||
| Average total assets | $52,635,250 | 6,329 |
| Average earning assets | $48,548,500 | 6,295 |
| Average equity | $6,205,000 | 6,145 |
| Average total loans | $23,723,000 | 6,544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 6,682 |
| Cost of funding earning assets | 0.8501% | 5,060 |
| Net interest margin | 3.1374% | 6,312 |
| Noninterest income to average assets | 0.3090% | 5,418 |
| Noninterest expense to average assets | 5.4291% | 276 |
| Loan and lease loss provision to assets | 1.1255% | 715 |
| Net operating income to assets | -3.3307% | 7,342 |
| Return on assets (ROA) | -3.3078% | 7,350 |
| Pretax return on assets | -3.3078% | 7,340 |
| Return on Equity (ROE) | -28.3875% | 7,227 |
| Retained earnings to average equity (ytd only) | -28.3875% | 7,218 |
| Net charge-offs to loans | 3.4547% | 263 |
| Credit loss provision to net charge-offs | 78.0423% | 3,827 |
| Earnings coverage of net charge-offs (x) | -1.5291% | 5,684 |
| Efficiency ratio | 168.4024% | 103 |
| Assets per employee ($millions) | 4.0792% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7003% | 514 |
| Loan loss allowance to noncurrent loans | 101.5476% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 3,821 |
| Noncurrent loans to loans | 3.6439% | 1,929 |
| Net loans and leases to total assets | 41.8612% | 6,601 |
| Net loans and leases to deposits | 47.9885% | 6,728 |
| Net loans and leases to core deposits | 55.9366% | 6,418 |
| Total domestic deposits to total assets | 87.2318% | 2,607 |
| Equity capital to assets | 11.9234% | 2,148 |
| Core capital (leverage) ratio | 12.0928% | 1,558 |
| Tier 1 risk-based capital ratio | 26.5074% | 760 |
| Total risk-based capital ratio | 27.7844% | 741 |
| Memoranda: | ||
| Average total assets | $52,421,000 | 6,394 |
| Average earning assets | $48,702,330 | 6,347 |
| Average equity | $6,108,330 | 6,203 |
| Average total loans | $21,883,000 | 6,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 6,914 |
| Cost of funding earning assets | 0.8718% | 5,121 |
| Net interest margin | 2.9575% | 6,661 |
| Noninterest income to average assets | 0.5449% | 3,541 |
| Noninterest expense to average assets | 5.8254% | 212 |
| Loan and lease loss provision to assets | 2.0876% | 260 |
| Net operating income to assets | -4.5820% | 7,474 |
| Return on assets (ROA) | -4.5820% | 7,474 |
| Pretax return on assets | -4.5820% | 7,463 |
| Return on Equity (ROE) | -39.7934% | 7,374 |
| Retained earnings to average equity (ytd only) | -39.7934% | 7,356 |
| Net charge-offs to loans | 10.2542% | 36 |
| Credit loss provision to net charge-offs | 49.8168% | 3,760 |
| Earnings coverage of net charge-offs (x) | -0.5952% | 4,823 |
| Efficiency ratio | 174.8848% | 92 |
| Assets per employee ($millions) | 3.9042% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0079% | 911 |
| Loan loss allowance to noncurrent loans | 64.0417% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 3,224 |
| Noncurrent loans to loans | 4.6968% | 1,477 |
| Net loans and leases to total assets | 42.8844% | 6,553 |
| Net loans and leases to deposits | 49.2577% | 6,668 |
| Net loans and leases to core deposits | 55.3293% | 6,463 |
| Total domestic deposits to total assets | 87.0614% | 2,912 |
| Equity capital to assets | 11.2087% | 2,498 |
| Core capital (leverage) ratio | 11.2581% | 1,997 |
| Tier 1 risk-based capital ratio | 23.1198% | 1,066 |
| Total risk-based capital ratio | 24.3845% | 1,052 |
| Memoranda: | ||
| Average total assets | $52,116,500 | 6,453 |
| Average earning assets | $49,095,000 | 6,375 |
| Average equity | $6,001,000 | 6,249 |
| Average total loans | $21,298,500 | 6,782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 7,335 |
| Cost of funding earning assets | 0.8945% | 6,190 |
| Net interest margin | 2.7345% | 7,098 |
| Noninterest income to average assets | 0.1625% | 6,552 |
| Noninterest expense to average assets | 6.1113% | 218 |
| Loan and lease loss provision to assets | 0.9309% | 1,748 |
| Net operating income to assets | -4.6146% | 7,500 |
| Return on assets (ROA) | -4.1797% | 7,468 |
| Pretax return on assets | -4.1797% | 7,462 |
| Return on Equity (ROE) | -25.5768% | 7,150 |
| Retained earnings to average equity (ytd only) | -25.5768% | 7,131 |
| Net charge-offs to loans | 2.7710% | 640 |
| Credit loss provision to net charge-offs | 86.1328% | 5,280 |
| Earnings coverage of net charge-offs (x) | -3.4082% | 6,749 |
| Efficiency ratio | 251.7391% | 46 |
| Assets per employee ($millions) | 4.1137% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6438% | 248 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 3.0966% | 2,280 |
| Noncurrent loans to loans | 8.2159% | 618 |
| Net loans and leases to total assets | 35.9400% | 7,158 |
| Net loans and leases to deposits | 41.1044% | 7,218 |
| Net loans and leases to core deposits | 44.5299% | 7,182 |
| Total domestic deposits to total assets | 87.4360% | 2,589 |
| Equity capital to assets | 11.8049% | 2,039 |
| Core capital (leverage) ratio | 12.7470% | 1,222 |
| Tier 1 risk-based capital ratio | 27.3123% | 655 |
| Total risk-based capital ratio | 28.5904% | 641 |
| Memoranda: | ||
| Average total assets | $47,371,600 | 6,625 |
| Average earning assets | $39,239,600 | 6,746 |
| Average equity | $7,741,400 | 5,793 |
| Average total loans | $18,476,800 | 7,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 7,438 |
| Cost of funding earning assets | 0.9150% | 6,335 |
| Net interest margin | 2.8069% | 7,123 |
| Noninterest income to average assets | 0.1774% | 6,610 |
| Noninterest expense to average assets | 6.3168% | 196 |
| Loan and lease loss provision to assets | 1.0034% | 1,479 |
| Net operating income to assets | -4.9033% | 7,637 |
| Return on assets (ROA) | -4.3042% | 7,606 |
| Pretax return on assets | -4.3042% | 7,591 |
| Return on Equity (ROE) | -24.3660% | 7,305 |
| Retained earnings to average equity (ytd only) | -24.3660% | 7,294 |
| Net charge-offs to loans | 2.4072% | 717 |
| Credit loss provision to net charge-offs | 105.8282% | 4,038 |
| Earnings coverage of net charge-offs (x) | -4.1135% | 6,580 |
| Efficiency ratio | 261.3718% | 40 |
| Assets per employee ($millions) | 3.8631% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6145% | 123 |
| Loan loss allowance to noncurrent loans | 137.2925% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6891% | 3,911 |
| Noncurrent loans to loans | 4.0894% | 1,813 |
| Net loans and leases to total assets | 38.9844% | 7,130 |
| Net loans and leases to deposits | 46.8502% | 7,136 |
| Net loans and leases to core deposits | 48.8221% | 7,170 |
| Total domestic deposits to total assets | 83.2107% | 4,497 |
| Equity capital to assets | 15.9954% | 673 |
| Core capital (leverage) ratio | 16.1060% | 541 |
| Tier 1 risk-based capital ratio | 30.9470% | 478 |
| Total risk-based capital ratio | 32.2475% | 468 |
| Memoranda: | ||
| Average total assets | $45,845,000 | 6,747 |
| Average earning assets | $36,575,750 | 6,933 |
| Average equity | $8,098,500 | 5,756 |
| Average total loans | $18,057,000 | 7,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 7,568 |
| Cost of funding earning assets | 0.9154% | 6,517 |
| Net interest margin | 2.6911% | 7,265 |
| Noninterest income to average assets | 0.2189% | 6,349 |
| Noninterest expense to average assets | 6.3318% | 191 |
| Loan and lease loss provision to assets | 1.0290% | 1,418 |
| Net operating income to assets | -5.0050% | 7,697 |
| Return on assets (ROA) | -5.0050% | 7,699 |
| Pretax return on assets | -5.0050% | 7,680 |
| Return on Equity (ROE) | -27.4551% | 7,400 |
| Retained earnings to average equity (ytd only) | -27.4551% | 7,385 |
| Net charge-offs to loans | 3.6849% | 380 |
| Credit loss provision to net charge-offs | 72.0859% | 4,915 |
| Earnings coverage of net charge-offs (x) | -2.7853% | 6,248 |
| Efficiency ratio | 268.7732% | 51 |
| Assets per employee ($millions) | 3.3912% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3569% | 138 |
| Loan loss allowance to noncurrent loans | 113.5294% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.9280% | 3,583 |
| Noncurrent loans to loans | 4.7186% | 1,503 |
| Net loans and leases to total assets | 38.6721% | 7,237 |
| Net loans and leases to deposits | 47.5326% | 7,186 |
| Net loans and leases to core deposits | 49.6853% | 7,223 |
| Total domestic deposits to total assets | 81.3592% | 5,264 |
| Equity capital to assets | 17.8787% | 429 |
| Core capital (leverage) ratio | 17.1363% | 425 |
| Tier 1 risk-based capital ratio | 33.0937% | 395 |
| Total risk-based capital ratio | 34.3791% | 391 |
| Memoranda: | ||
| Average total assets | $45,674,330 | 6,799 |
| Average earning assets | $36,268,000 | 6,992 |
| Average equity | $8,326,330 | 5,689 |
| Average total loans | $17,693,670 | 7,190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 7,728 |
| Cost of funding earning assets | 0.8414% | 6,967 |
| Net interest margin | 2.5781% | 7,409 |
| Noninterest income to average assets | 0.1205% | 7,087 |
| Noninterest expense to average assets | 6.2924% | 187 |
| Loan and lease loss provision to assets | 0.4390% | 2,768 |
| Net operating income to assets | -4.5536% | 7,754 |
| Return on assets (ROA) | -4.5536% | 7,760 |
| Pretax return on assets | -4.5536% | 7,729 |
| Return on Equity (ROE) | -24.7529% | 7,498 |
| Retained earnings to average equity (ytd only) | -24.7529% | 7,454 |
| Net charge-offs to loans | 10.2432% | 51 |
| Credit loss provision to net charge-offs | 11.3586% | 5,031 |
| Earnings coverage of net charge-offs (x) | -1.0646% | 5,391 |
| Efficiency ratio | 288.9328% | 45 |
| Assets per employee ($millions) | 3.7092% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9636% | 394 |
| Loan loss allowance to noncurrent loans | 70.3743% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.1007% | 3,386 |
| Noncurrent loans to loans | 5.6322% | 1,217 |
| Net loans and leases to total assets | 35.8189% | 7,430 |
| Net loans and leases to deposits | 44.4342% | 7,386 |
| Net loans and leases to core deposits | 46.1060% | 7,425 |
| Total domestic deposits to total assets | 80.6111% | 5,582 |
| Equity capital to assets | 18.5599% | 371 |
| Core capital (leverage) ratio | 17.4891% | 405 |
| Tier 1 risk-based capital ratio | 37.3193% | 302 |
| Total risk-based capital ratio | 38.5923% | 295 |
| Memoranda: | ||
| Average total assets | $46,468,500 | 6,863 |
| Average earning assets | $37,081,000 | 7,050 |
| Average equity | $8,548,500 | 5,679 |
| Average total loans | $17,533,500 | 7,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0954% | 7,872 |
| Cost of funding earning assets | 0.8236% | 7,522 |
| Net interest margin | 2.2718% | 7,609 |
| Noninterest income to average assets | 0.0648% | 7,423 |
| Noninterest expense to average assets | 6.4470% | 254 |
| Loan and lease loss provision to assets | 2.3234% | 874 |
| Net operating income to assets | -6.7327% | 7,881 |
| Return on assets (ROA) | -6.7327% | 7,872 |
| Pretax return on assets | -6.7327% | 7,848 |
| Return on Equity (ROE) | -27.3589% | 7,349 |
| Retained earnings to average equity (ytd only) | -27.3589% | 7,323 |
| Net charge-offs to loans | 1.4799% | 1,692 |
| Credit loss provision to net charge-offs | 393.4959% | 809 |
| Earnings coverage of net charge-offs (x) | -7.4675% | 7,140 |
| Efficiency ratio | 316.3722% | 61 |
| Assets per employee ($millions) | 4.0356% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7186% | 116 |
| Loan loss allowance to noncurrent loans | 140.8000% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 4,057 |
| Noncurrent loans to loans | 4.0615% | 1,822 |
| Net loans and leases to total assets | 35.9510% | 7,525 |
| Net loans and leases to deposits | 44.3318% | 7,502 |
| Net loans and leases to core deposits | 48.8140% | 7,618 |
| Total domestic deposits to total assets | 81.0953% | 5,314 |
| Equity capital to assets | 18.2460% | 429 |
| Core capital (leverage) ratio | 17.0394% | 489 |
| Tier 1 risk-based capital ratio | 39.5528% | 262 |
| Total risk-based capital ratio | 40.8474% | 252 |
| Memoranda: | ||
| Average total assets | $41,662,600 | 7,031 |
| Average earning assets | $36,183,200 | 7,091 |
| Average equity | $10,252,600 | 5,225 |
| Average total loans | $16,623,200 | 7,376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 7,983 |
| Cost of funding earning assets | 0.8043% | 7,688 |
| Net interest margin | 2.1997% | 7,709 |
| Noninterest income to average assets | 0.0567% | 7,618 |
| Noninterest expense to average assets | 6.7113% | 222 |
| Loan and lease loss provision to assets | 1.7912% | 1,033 |
| Net operating income to assets | -6.4845% | 7,952 |
| Return on assets (ROA) | -6.4845% | 7,952 |
| Pretax return on assets | -6.4845% | 7,938 |
| Return on Equity (ROE) | -24.4367% | 7,495 |
| Retained earnings to average equity (ytd only) | -24.4367% | 7,471 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 332.5620% | 57 |
| Assets per employee ($millions) | 3.6255% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3354% | 113 |
| Loan loss allowance to noncurrent loans | 354.0650% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 6,155 |
| Noncurrent loans to loans | 1.5069% | 4,396 |
| Net loans and leases to total assets | 32.7888% | 7,722 |
| Net loans and leases to deposits | 41.6045% | 7,685 |
| Net loans and leases to core deposits | 45.8276% | 7,770 |
| Total domestic deposits to total assets | 78.8106% | 5,865 |
| Equity capital to assets | 20.5381% | 301 |
| Core capital (leverage) ratio | 24.9228% | 172 |
| Tier 1 risk-based capital ratio | 48.5635% | 179 |
| Total risk-based capital ratio | 49.8533% | 179 |
| Memoranda: | ||
| Average total assets | $39,971,500 | 7,152 |
| Average earning assets | $35,640,250 | 7,180 |
| Average equity | $10,606,750 | 5,164 |
| Average total loans | $16,162,500 | 7,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 8,069 |
| Cost of funding earning assets | 0.8092% | 7,808 |
| Net interest margin | 2.2967% | 7,681 |
| Noninterest income to average assets | 0.0426% | 7,771 |
| Noninterest expense to average assets | 7.3115% | 194 |
| Loan and lease loss provision to assets | 2.2935% | 696 |
| Net operating income to assets | -7.5084% | 8,071 |
| Return on assets (ROA) | -7.5084% | 8,060 |
| Pretax return on assets | -7.5084% | 8,041 |
| Return on Equity (ROE) | -25.8527% | 7,641 |
| Retained earnings to average equity (ytd only) | -25.8527% | 7,607 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 348.7310% | 63 |
| Assets per employee ($millions) | 2.8476% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3662% | 192 |
| Loan loss allowance to noncurrent loans | 88.0322% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.3474% | 2,770 |
| Noncurrent loans to loans | 4.9598% | 1,243 |
| Net loans and leases to total assets | 45.2632% | 7,244 |
| Net loans and leases to deposits | 63.2254% | 6,638 |
| Net loans and leases to core deposits | 84.6819% | 6,033 |
| Total domestic deposits to total assets | 71.5903% | 7,296 |
| Equity capital to assets | 27.4994% | 164 |
| Core capital (leverage) ratio | 27.9941% | 160 |
| Tier 1 risk-based capital ratio | 46.3484% | 210 |
| Total risk-based capital ratio | 47.6243% | 210 |
| Memoranda: | ||
| Average total assets | $37,584,670 | 7,309 |
| Average earning assets | $33,613,000 | 7,335 |
| Average equity | $10,915,670 | 5,111 |
| Average total loans | $16,108,330 | 7,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 8,133 |
| Cost of funding earning assets | 0.7666% | 7,942 |
| Net interest margin | 2.2998% | 7,714 |
| Noninterest income to average assets | 0.0317% | 7,922 |
| Noninterest expense to average assets | 7.5843% | 174 |
| Loan and lease loss provision to assets | 2.2500% | 524 |
| Net operating income to assets | -7.7111% | 8,139 |
| Return on assets (ROA) | -7.7111% | 8,127 |
| Pretax return on assets | -7.7111% | 8,103 |
| Return on Equity (ROE) | -25.8785% | 7,855 |
| Retained earnings to average equity (ytd only) | -25.8785% | 7,786 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 357.2139% | 61 |
| Assets per employee ($millions) | 2.7110% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3474% | 358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.8146% | 7,279 |
| Net loans and leases to deposits | 65.5652% | 6,413 |
| Net loans and leases to core deposits | 81.0739% | 6,305 |
| Total domestic deposits to total assets | 68.3512% | 7,569 |
| Equity capital to assets | 30.8799% | 136 |
| Core capital (leverage) ratio | 29.5440% | 158 |
| Tier 1 risk-based capital ratio | 48.4781% | 223 |
| Total risk-based capital ratio | 49.7109% | 222 |
| Memoranda: | ||
| Average total assets | $37,867,500 | 7,337 |
| Average earning assets | $34,438,500 | 7,335 |
| Average equity | $11,283,500 | 5,032 |
| Average total loans | $15,402,000 | 7,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4015% | 8,203 |
| Cost of funding earning assets | 0.6574% | 8,163 |
| Net interest margin | 1.7441% | 8,142 |
| Noninterest income to average assets | 0.0261% | 8,004 |
| Noninterest expense to average assets | 9.0742% | 172 |
| Loan and lease loss provision to assets | 1.2431% | 1,153 |
| Net operating income to assets | -8.6126% | 8,233 |
| Return on assets (ROA) | -8.6126% | 8,232 |
| Pretax return on assets | -8.6126% | 8,222 |
| Return on Equity (ROE) | -18.3182% | 7,723 |
| Retained earnings to average equity (ytd only) | -18.3182% | 7,632 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 532.3144% | 41 |
| Assets per employee ($millions) | 3.1148% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.8933% | 7,868 |
| Net loans and leases to deposits | 50.5058% | 7,604 |
| Net loans and leases to core deposits | 57.7283% | 7,680 |
| Total domestic deposits to total assets | 69.0877% | 7,375 |
| Equity capital to assets | 28.8551% | 184 |
| Core capital (leverage) ratio | 36.1029% | 130 |
| Tier 1 risk-based capital ratio | 61.2694% | 151 |
| Total risk-based capital ratio | 62.5219% | 150 |
| Memoranda: | ||
| Average total assets | $26,867,500 | 7,766 |
| Average earning assets | $25,858,750 | 7,700 |
| Average equity | $12,632,250 | 4,663 |
| Average total loans | $8,083,750 | 8,032 |