Home > Covenant Bank > Performance and Condition Ratios
Covenant Bank, Performance and Condition Ratios
| 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 | 4.9633% | 1,655 |
| Cost of funding earning assets | 1.0273% | 1,217 |
| Net interest margin | 3.9360% | 2,667 |
| Noninterest income to average assets | 0.5622% | 3,499 |
| Noninterest expense to average assets | 6.0099% | 222 |
| Loan and lease loss provision to assets | 0.4485% | 1,410 |
| Net operating income to assets | -2.4847% | 6,975 |
| Return on assets (ROA) | -2.4699% | 6,977 |
| Pretax return on assets | -2.4699% | 6,978 |
| Return on Equity (ROE) | -84.7573% | 7,058 |
| Retained earnings to average equity (ytd only) | -84.7573% | 7,058 |
| Net charge-offs to loans | 1.0435% | 1,032 |
| Credit loss provision to net charge-offs | 61.2613% | 4,410 |
| Earnings coverage of net charge-offs (x) | -2.7815% | 5,865 |
| Efficiency ratio | 148.5062% | 93 |
| Assets per employee ($millions) | 2.5401% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9671% | 294 |
| Loan loss allowance to noncurrent loans | 20.7389% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 14.6092% | 88 |
| Noncurrent loans to loans | 19.1288% | 35 |
| Net loans and leases to total assets | 66.7523% | 2,415 |
| Net loans and leases to deposits | 71.9494% | 3,419 |
| Net loans and leases to core deposits | 86.2788% | 2,277 |
| Total domestic deposits to total assets | 92.7767% | 154 |
| Equity capital to assets | 1.5696% | 7,072 |
| Core capital (leverage) ratio | 1.3720% | 7,074 |
| Tier 1 risk-based capital ratio | 2.1943% | 7,073 |
| Total risk-based capital ratio | 3.4808% | 7,073 |
| Memoranda: | ||
| Average total assets | $60,650,400 | 5,906 |
| Average earning assets | $52,566,200 | 5,968 |
| Average equity | $1,767,400 | 6,989 |
| Average total loans | $42,550,600 | 5,396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,958 |
| Cost of funding earning assets | 1.0307% | 1,389 |
| Net interest margin | 3.8836% | 2,973 |
| Noninterest income to average assets | 0.2549% | 5,743 |
| Noninterest expense to average assets | 6.3019% | 190 |
| Loan and lease loss provision to assets | 2.2459% | 83 |
| Net operating income to assets | -4.8620% | 7,159 |
| Return on assets (ROA) | -4.8620% | 7,160 |
| Pretax return on assets | -4.8620% | 7,162 |
| Return on Equity (ROE) | -150.2995% | 7,172 |
| Retained earnings to average equity (ytd only) | -150.2995% | 7,172 |
| Net charge-offs to loans | 1.5738% | 537 |
| Credit loss provision to net charge-offs | 202.9528% | 1,361 |
| Earnings coverage of net charge-offs (x) | -2.3642% | 5,663 |
| Efficiency ratio | 168.0851% | 64 |
| Assets per employee ($millions) | 2.3937% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9173% | 329 |
| Loan loss allowance to noncurrent loans | 25.6579% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 12.3659% | 152 |
| Noncurrent loans to loans | 15.2672% | 94 |
| Net loans and leases to total assets | 67.1385% | 2,435 |
| Net loans and leases to deposits | 68.1497% | 4,161 |
| Net loans and leases to core deposits | 84.5155% | 2,641 |
| Total domestic deposits to total assets | 98.5161% | 4 |
| Equity capital to assets | 1.1948% | 7,175 |
| Core capital (leverage) ratio | 0.9540% | 7,178 |
| Tier 1 risk-based capital ratio | 1.5036% | 7,177 |
| Total risk-based capital ratio | 2.7921% | 7,176 |
| Memoranda: | ||
| Average total assets | $61,207,500 | 5,963 |
| Average earning assets | $54,072,750 | 5,996 |
| Average equity | $1,980,000 | 7,043 |
| Average total loans | $43,036,000 | 5,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 2,371 |
| Cost of funding earning assets | 1.0539% | 1,448 |
| Net interest margin | 3.7786% | 3,461 |
| Noninterest income to average assets | 0.5644% | 3,495 |
| Noninterest expense to average assets | 6.5777% | 170 |
| Loan and lease loss provision to assets | 1.8196% | 175 |
| Net operating income to assets | -4.4954% | 7,204 |
| Return on assets (ROA) | -4.4954% | 7,204 |
| Pretax return on assets | -4.4954% | 7,204 |
| Return on Equity (ROE) | -115.4197% | 7,213 |
| Retained earnings to average equity (ytd only) | -115.4197% | 7,210 |
| Net charge-offs to loans | 1.2476% | 860 |
| Credit loss provision to net charge-offs | 207.0111% | 1,367 |
| Earnings coverage of net charge-offs (x) | -3.0443% | 5,413 |
| Efficiency ratio | 165.8354% | 69 |
| Assets per employee ($millions) | 2.4148% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2950% | 595 |
| Loan loss allowance to noncurrent loans | 22.1225% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 12.5093% | 159 |
| Noncurrent loans to loans | 14.8945% | 101 |
| Net loans and leases to total assets | 68.3027% | 2,234 |
| Net loans and leases to deposits | 70.3321% | 3,848 |
| Net loans and leases to core deposits | 94.2213% | 1,581 |
| Total domestic deposits to total assets | 97.1145% | 20 |
| Equity capital to assets | 2.5824% | 7,198 |
| Core capital (leverage) ratio | 2.3486% | 7,204 |
| Tier 1 risk-based capital ratio | 3.5770% | 7,198 |
| Total risk-based capital ratio | 4.8550% | 7,198 |
| Memoranda: | ||
| Average total assets | $61,662,670 | 5,990 |
| Average earning assets | $54,464,330 | 6,020 |
| Average equity | $2,401,670 | 7,036 |
| Average total loans | $43,443,000 | 5,455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,900 |
| Cost of funding earning assets | 1.1029% | 1,397 |
| Net interest margin | 3.8930% | 2,957 |
| Noninterest income to average assets | 0.6548% | 2,902 |
| Noninterest expense to average assets | 5.2641% | 309 |
| Loan and lease loss provision to assets | 1.0079% | 405 |
| Net operating income to assets | -2.1955% | 7,169 |
| Return on assets (ROA) | -2.1955% | 7,172 |
| Pretax return on assets | -2.1955% | 7,153 |
| Return on Equity (ROE) | -48.4591% | 7,222 |
| Retained earnings to average equity (ytd only) | -48.4591% | 7,209 |
| Net charge-offs to loans | 2.4724% | 337 |
| Credit loss provision to net charge-offs | 57.9336% | 3,155 |
| Earnings coverage of net charge-offs (x) | -0.6827% | 4,527 |
| Efficiency ratio | 129.1339% | 167 |
| Assets per employee ($millions) | 2.5461% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3358% | 1,615 |
| Loan loss allowance to noncurrent loans | 16.8632% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 12.3406% | 191 |
| Noncurrent loans to loans | 13.8517% | 145 |
| Net loans and leases to total assets | 68.4913% | 2,026 |
| Net loans and leases to deposits | 71.8457% | 3,453 |
| Net loans and leases to core deposits | 82.6612% | 2,736 |
| Total domestic deposits to total assets | 95.3311% | 50 |
| Equity capital to assets | 4.3416% | 7,165 |
| Core capital (leverage) ratio | 3.9146% | 7,186 |
| Tier 1 risk-based capital ratio | 6.3056% | 7,168 |
| Total risk-based capital ratio | 7.5718% | 7,167 |
| Memoranda: | ||
| Average total assets | $62,308,500 | 6,001 |
| Average earning assets | $54,765,000 | 6,046 |
| Average equity | $2,823,000 | 6,998 |
| Average total loans | $43,844,500 | 5,473 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 1,449 |
| Cost of funding earning assets | 1.2693% | 1,635 |
| Net interest margin | 4.1168% | 2,360 |
| Noninterest income to average assets | 1.2647% | 811 |
| Noninterest expense to average assets | 6.1687% | 194 |
| Loan and lease loss provision to assets | 1.2571% | 671 |
| Net operating income to assets | -2.4823% | 7,112 |
| Return on assets (ROA) | -2.3914% | 7,108 |
| Pretax return on assets | -2.3914% | 7,104 |
| Return on Equity (ROE) | -39.8152% | 7,159 |
| Retained earnings to average equity (ytd only) | -39.8152% | 7,155 |
| Net charge-offs to loans | 2.6598% | 414 |
| Credit loss provision to net charge-offs | 63.3308% | 5,075 |
| Earnings coverage of net charge-offs (x) | -0.6173% | 6,117 |
| Efficiency ratio | 122.7607% | 285 |
| Assets per employee ($millions) | 2.7613% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4869% | 1,334 |
| Loan loss allowance to noncurrent loans | 22.5891% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 10.2992% | 312 |
| Noncurrent loans to loans | 11.0093% | 264 |
| Net loans and leases to total assets | 68.8396% | 2,242 |
| Net loans and leases to deposits | 77.3901% | 2,942 |
| Net loans and leases to core deposits | 89.8923% | 2,142 |
| Total domestic deposits to total assets | 88.9513% | 1,567 |
| Equity capital to assets | 4.7126% | 7,185 |
| Core capital (leverage) ratio | 4.4316% | 7,180 |
| Tier 1 risk-based capital ratio | 7.0487% | 7,153 |
| Total risk-based capital ratio | 8.3192% | 7,155 |
| Memoranda: | ||
| Average total assets | $65,946,000 | 5,867 |
| Average earning assets | $58,928,800 | 5,905 |
| Average equity | $3,960,800 | 6,758 |
| Average total loans | $49,213,600 | 5,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 1,095 |
| Cost of funding earning assets | 1.2833% | 1,794 |
| Net interest margin | 4.2880% | 1,764 |
| Noninterest income to average assets | 0.3526% | 5,033 |
| Noninterest expense to average assets | 5.6914% | 235 |
| Loan and lease loss provision to assets | 1.0217% | 836 |
| Net operating income to assets | -2.5182% | 7,209 |
| Return on assets (ROA) | -2.4000% | 7,202 |
| Pretax return on assets | -2.4000% | 7,186 |
| Return on Equity (ROE) | -38.0058% | 7,244 |
| Retained earnings to average equity (ytd only) | -38.0058% | 7,238 |
| Net charge-offs to loans | 3.2810% | 262 |
| Credit loss provision to net charge-offs | 41.1955% | 5,215 |
| Earnings coverage of net charge-offs (x) | -0.6034% | 5,864 |
| Efficiency ratio | 133.3333% | 210 |
| Assets per employee ($millions) | 2.7679% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,498 |
| Loan loss allowance to noncurrent loans | 9.7650% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 9.0401% | 439 |
| Noncurrent loans to loans | 9.5749% | 380 |
| Net loans and leases to total assets | 71.2336% | 1,861 |
| Net loans and leases to deposits | 76.3576% | 3,273 |
| Net loans and leases to core deposits | 97.2132% | 1,493 |
| Total domestic deposits to total assets | 93.2895% | 119 |
| Equity capital to assets | 6.1985% | 7,167 |
| Core capital (leverage) ratio | 5.4789% | 7,184 |
| Tier 1 risk-based capital ratio | 7.8783% | 7,201 |
| Total risk-based capital ratio | 8.7909% | 7,220 |
| Memoranda: | ||
| Average total assets | $66,555,000 | 5,894 |
| Average earning assets | $59,637,500 | 5,917 |
| Average equity | $4,202,750 | 6,741 |
| Average total loans | $50,308,250 | 5,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7299% | 829 |
| Cost of funding earning assets | 1.2840% | 2,042 |
| Net interest margin | 4.4460% | 1,251 |
| Noninterest income to average assets | 0.5184% | 3,720 |
| Noninterest expense to average assets | 5.2785% | 300 |
| Loan and lease loss provision to assets | 1.1315% | 709 |
| Net operating income to assets | -1.9017% | 7,177 |
| Return on assets (ROA) | -1.9017% | 7,181 |
| Pretax return on assets | -1.9017% | 7,149 |
| Return on Equity (ROE) | -29.9417% | 7,242 |
| Retained earnings to average equity (ytd only) | -29.9417% | 7,234 |
| Net charge-offs to loans | 2.0765% | 634 |
| Credit loss provision to net charge-offs | 71.0037% | 4,036 |
| Earnings coverage of net charge-offs (x) | -0.4833% | 5,517 |
| Efficiency ratio | 114.9146% | 400 |
| Assets per employee ($millions) | 2.8376% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 2,335 |
| Loan loss allowance to noncurrent loans | 21.0970% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 9.1184% | 460 |
| Noncurrent loans to loans | 9.5372% | 417 |
| Net loans and leases to total assets | 74.6200% | 1,300 |
| Net loans and leases to deposits | 80.4746% | 2,712 |
| Net loans and leases to core deposits | 101.9319% | 1,180 |
| Total domestic deposits to total assets | 92.7249% | 144 |
| Equity capital to assets | 6.9395% | 7,116 |
| Core capital (leverage) ratio | 6.1493% | 7,176 |
| Tier 1 risk-based capital ratio | 9.9955% | 6,973 |
| Total risk-based capital ratio | 11.2559% | 6,970 |
| Memoranda: | ||
| Average total assets | $67,519,670 | 5,899 |
| Average earning assets | $60,594,000 | 5,934 |
| Average equity | $4,288,330 | 6,747 |
| Average total loans | $51,819,000 | 5,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 511 |
| Cost of funding earning assets | 1.2717% | 2,353 |
| Net interest margin | 4.6911% | 722 |
| Noninterest income to average assets | 0.5536% | 3,482 |
| Noninterest expense to average assets | 4.9703% | 373 |
| Loan and lease loss provision to assets | 1.1129% | 655 |
| Net operating income to assets | -1.3169% | 7,139 |
| Return on assets (ROA) | -1.3169% | 7,144 |
| Pretax return on assets | -1.3169% | 7,102 |
| Return on Equity (ROE) | -21.6891% | 7,239 |
| Retained earnings to average equity (ytd only) | -21.6891% | 7,185 |
| Net charge-offs to loans | 1.6491% | 812 |
| Credit loss provision to net charge-offs | 87.6147% | 2,980 |
| Earnings coverage of net charge-offs (x) | -0.1606% | 4,672 |
| Efficiency ratio | 102.3227% | 662 |
| Assets per employee ($millions) | 2.7582% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1987% | 1,969 |
| Loan loss allowance to noncurrent loans | 29.4701% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 6.6436% | 826 |
| Noncurrent loans to loans | 7.4609% | 699 |
| Net loans and leases to total assets | 72.8297% | 1,546 |
| Net loans and leases to deposits | 78.1254% | 3,040 |
| Net loans and leases to core deposits | 97.3501% | 1,571 |
| Total domestic deposits to total assets | 93.2216% | 119 |
| Equity capital to assets | 6.4942% | 7,209 |
| Core capital (leverage) ratio | 6.0128% | 7,247 |
| Tier 1 risk-based capital ratio | 9.4388% | 7,161 |
| Total risk-based capital ratio | 10.7047% | 7,162 |
| Memoranda: | ||
| Average total assets | $68,647,500 | 5,912 |
| Average earning assets | $61,649,000 | 5,949 |
| Average equity | $4,168,000 | 6,821 |
| Average total loans | $52,878,500 | 5,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6723% | 1,675 |
| Cost of funding earning assets | 1.4667% | 2,841 |
| Net interest margin | 4.2056% | 2,163 |
| Noninterest income to average assets | 1.2922% | 879 |
| Noninterest expense to average assets | 5.1853% | 369 |
| Loan and lease loss provision to assets | 1.2676% | 1,226 |
| Net operating income to assets | -1.3374% | 6,850 |
| Return on assets (ROA) | -1.2593% | 6,838 |
| Pretax return on assets | -1.2593% | 6,763 |
| Return on Equity (ROE) | -20.2834% | 7,045 |
| Retained earnings to average equity (ytd only) | -20.2834% | 7,019 |
| Net charge-offs to loans | 0.4277% | 3,910 |
| Credit loss provision to net charge-offs | 377.5510% | 665 |
| Earnings coverage of net charge-offs (x) | -0.2082% | 6,297 |
| Efficiency ratio | 99.5982% | 788 |
| Assets per employee ($millions) | 2.6285% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9315% | 924 |
| Loan loss allowance to noncurrent loans | 35.5234% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 7.1831% | 744 |
| Noncurrent loans to loans | 8.2523% | 614 |
| Net loans and leases to total assets | 77.2801% | 1,052 |
| Net loans and leases to deposits | 83.9397% | 2,458 |
| Net loans and leases to core deposits | 105.9395% | 1,194 |
| Total domestic deposits to total assets | 92.0663% | 267 |
| Equity capital to assets | 5.6452% | 7,387 |
| Core capital (leverage) ratio | 4.9497% | 7,420 |
| Tier 1 risk-based capital ratio | 9.2075% | 7,201 |
| Total risk-based capital ratio | 10.4954% | 7,198 |
| Memoranda: | ||
| Average total assets | $72,975,400 | 5,788 |
| Average earning assets | $66,339,800 | 5,787 |
| Average equity | $4,530,800 | 6,805 |
| Average total loans | $57,280,400 | 5,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 1,419 |
| Cost of funding earning assets | 1.5057% | 2,942 |
| Net interest margin | 4.2881% | 1,887 |
| Noninterest income to average assets | 1.5593% | 571 |
| Noninterest expense to average assets | 5.0952% | 351 |
| Loan and lease loss provision to assets | 0.8741% | 1,737 |
| Net operating income to assets | -0.5018% | 6,589 |
| Return on assets (ROA) | -0.3993% | 6,560 |
| Pretax return on assets | -0.3993% | 6,491 |
| Return on Equity (ROE) | -6.2990% | 6,742 |
| Retained earnings to average equity (ytd only) | -6.2990% | 6,663 |
| Net charge-offs to loans | 0.3563% | 3,877 |
| Credit loss provision to net charge-offs | 313.5484% | 1,007 |
| Earnings coverage of net charge-offs (x) | 1.3355% | 4,747 |
| Efficiency ratio | 91.5789% | 1,160 |
| Assets per employee ($millions) | 2.6825% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 1,814 |
| Loan loss allowance to noncurrent loans | 27.0811% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 6.3627% | 903 |
| Noncurrent loans to loans | 8.1145% | 630 |
| Net loans and leases to total assets | 73.8317% | 1,839 |
| Net loans and leases to deposits | 82.5666% | 2,993 |
| Net loans and leases to core deposits | 113.9713% | 835 |
| Total domestic deposits to total assets | 89.4208% | 1,160 |
| Equity capital to assets | 6.0951% | 7,474 |
| Core capital (leverage) ratio | 5.6530% | 7,477 |
| Tier 1 risk-based capital ratio | 10.1110% | 7,004 |
| Total risk-based capital ratio | 11.3620% | 6,988 |
| Memoranda: | ||
| Average total assets | $74,134,000 | 5,829 |
| Average earning assets | $67,565,500 | 5,814 |
| Average equity | $4,699,000 | 6,842 |
| Average total loans | $57,998,250 | 5,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 1,274 |
| Cost of funding earning assets | 1.5768% | 2,792 |
| Net interest margin | 4.2849% | 1,838 |
| Noninterest income to average assets | 0.3929% | 4,963 |
| Noninterest expense to average assets | 4.3491% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0461% | 6,145 |
| Return on assets (ROA) | 0.1084% | 5,955 |
| Pretax return on assets | 0.1084% | 5,962 |
| Return on Equity (ROE) | 1.6880% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.6880% | 5,032 |
| Net charge-offs to loans | 0.5237% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 5,807 |
| Efficiency ratio | 98.9924% | 845 |
| Assets per employee ($millions) | 2.4255% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,977 |
| Loan loss allowance to noncurrent loans | 32.0572% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 3.3981% | 2,070 |
| Noncurrent loans to loans | 4.0292% | 1,875 |
| Net loans and leases to total assets | 77.4475% | 1,206 |
| Net loans and leases to deposits | 84.2940% | 2,821 |
| Net loans and leases to core deposits | 122.6350% | 609 |
| Total domestic deposits to total assets | 91.8778% | 243 |
| Equity capital to assets | 6.3879% | 7,485 |
| Core capital (leverage) ratio | 5.8941% | 7,498 |
| Tier 1 risk-based capital ratio | 10.8853% | 6,366 |
| Total risk-based capital ratio | 12.1557% | 6,326 |
| Memoranda: | ||
| Average total assets | $73,808,670 | 5,877 |
| Average earning assets | $67,352,330 | 5,850 |
| Average equity | $4,739,330 | 6,865 |
| Average total loans | $58,430,670 | 5,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 1,248 |
| Cost of funding earning assets | 1.6570% | 2,614 |
| Net interest margin | 4.2233% | 1,953 |
| Noninterest income to average assets | 0.3829% | 5,068 |
| Noninterest expense to average assets | 4.5023% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1586% | 6,492 |
| Return on assets (ROA) | -0.1586% | 6,566 |
| Pretax return on assets | -0.2571% | 6,603 |
| Return on Equity (ROE) | -2.4642% | 6,687 |
| Retained earnings to average equity (ytd only) | -2.4642% | 6,284 |
| Net charge-offs to loans | 0.0206% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -15.6667% | 5,573 |
| Efficiency ratio | 103.9948% | 732 |
| Assets per employee ($millions) | 2.7609% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,734 |
| Loan loss allowance to noncurrent loans | 37.4692% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.2652% | 2,199 |
| Noncurrent loans to loans | 4.0923% | 1,896 |
| Net loans and leases to total assets | 78.5667% | 1,046 |
| Net loans and leases to deposits | 84.2301% | 2,904 |
| Net loans and leases to core deposits | 138.0883% | 351 |
| Total domestic deposits to total assets | 93.2764% | 107 |
| Equity capital to assets | 6.3198% | 7,568 |
| Core capital (leverage) ratio | 5.8001% | 7,611 |
| Tier 1 risk-based capital ratio | 10.7019% | 6,438 |
| Total risk-based capital ratio | 11.9653% | 6,415 |
| Memoranda: | ||
| Average total assets | $73,118,500 | 5,958 |
| Average earning assets | $66,867,500 | 5,938 |
| Average equity | $4,707,500 | 6,942 |
| Average total loans | $58,149,000 | 5,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 1,927 |
| Cost of funding earning assets | 2.2461% | 1,851 |
| Net interest margin | 3.7388% | 3,955 |
| Noninterest income to average assets | 1.1800% | 1,108 |
| Noninterest expense to average assets | 5.9092% | 321 |
| Loan and lease loss provision to assets | 0.7538% | 2,852 |
| Net operating income to assets | -2.2387% | 7,176 |
| Return on assets (ROA) | -2.2372% | 7,177 |
| Pretax return on assets | -2.2372% | 7,037 |
| Return on Equity (ROE) | -26.9741% | 7,340 |
| Retained earnings to average equity (ytd only) | -26.9741% | 7,311 |
| Net charge-offs to loans | 0.3545% | 4,455 |
| Credit loss provision to net charge-offs | 284.0000% | 1,184 |
| Earnings coverage of net charge-offs (x) | -5.5943% | 7,118 |
| Efficiency ratio | 90.6411% | 1,662 |
| Assets per employee ($millions) | 2.7575% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 3,239 |
| Loan loss allowance to noncurrent loans | 52.5258% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.4298% | 2,864 |
| Noncurrent loans to loans | 3.0658% | 2,504 |
| Net loans and leases to total assets | 77.9772% | 1,394 |
| Net loans and leases to deposits | 83.8106% | 3,312 |
| Net loans and leases to core deposits | 105.8346% | 3,362 |
| Total domestic deposits to total assets | 93.0399% | 121 |
| Equity capital to assets | 6.5612% | 7,547 |
| Core capital (leverage) ratio | 5.8106% | 7,666 |
| Tier 1 risk-based capital ratio | 10.3691% | 6,524 |
| Total risk-based capital ratio | 11.6320% | 6,483 |
| Memoranda: | ||
| Average total assets | $65,930,600 | 6,140 |
| Average earning assets | $57,211,200 | 6,241 |
| Average equity | $5,468,200 | 6,783 |
| Average total loans | $49,371,200 | 5,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0817% | 1,714 |
| Cost of funding earning assets | 2.3587% | 1,772 |
| Net interest margin | 3.7231% | 3,978 |
| Noninterest income to average assets | 1.4348% | 725 |
| Noninterest expense to average assets | 4.1639% | 1,068 |
| Loan and lease loss provision to assets | 0.9758% | 1,966 |
| Net operating income to assets | -0.5231% | 6,449 |
| Return on assets (ROA) | -0.5231% | 6,451 |
| Pretax return on assets | -0.5231% | 6,328 |
| Return on Equity (ROE) | -5.9605% | 6,550 |
| Retained earnings to average equity (ytd only) | -5.9605% | 6,382 |
| Net charge-offs to loans | 0.1459% | 5,238 |
| Credit loss provision to net charge-offs | 907.6923% | 413 |
| Earnings coverage of net charge-offs (x) | 4.2116% | 3,215 |
| Efficiency ratio | 90.1926% | 1,672 |
| Assets per employee ($millions) | 2.8899% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 2,968 |
| Loan loss allowance to noncurrent loans | 52.3331% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.3433% | 2,934 |
| Noncurrent loans to loans | 3.0673% | 2,466 |
| Net loans and leases to total assets | 75.1716% | 2,204 |
| Net loans and leases to deposits | 82.3628% | 3,946 |
| Net loans and leases to core deposits | 105.7458% | 3,730 |
| Total domestic deposits to total assets | 91.2690% | 316 |
| Equity capital to assets | 8.2826% | 6,528 |
| Core capital (leverage) ratio | 6.2741% | 7,738 |
| Tier 1 risk-based capital ratio | 11.0707% | 5,879 |
| Total risk-based capital ratio | 12.0133% | 6,159 |
| Memoranda: | ||
| Average total assets | $64,489,750 | 6,226 |
| Average earning assets | $55,114,500 | 6,375 |
| Average equity | $5,659,250 | 6,795 |
| Average total loans | $47,509,000 | 5,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0310% | 2,052 |
| Cost of funding earning assets | 2.3912% | 2,001 |
| Net interest margin | 3.6398% | 4,212 |
| Noninterest income to average assets | 0.6171% | 3,554 |
| Noninterest expense to average assets | 4.3422% | 903 |
| Loan and lease loss provision to assets | 1.5249% | 1,120 |
| Net operating income to assets | -2.1420% | 7,465 |
| Return on assets (ROA) | -2.1420% | 7,460 |
| Pretax return on assets | -2.1420% | 7,328 |
| Return on Equity (ROE) | -23.8876% | 7,607 |
| Retained earnings to average equity (ytd only) | -23.8876% | 7,571 |
| Net charge-offs to loans | 0.0445% | 5,842 |
| Credit loss provision to net charge-offs | 4,720.0000% | 104 |
| Earnings coverage of net charge-offs (x) | -19.1000% | 6,563 |
| Efficiency ratio | 116.5655% | 728 |
| Assets per employee ($millions) | 2.6371% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 1,969 |
| Loan loss allowance to noncurrent loans | 50.7373% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.7773% | 2,316 |
| Noncurrent loans to loans | 3.6036% | 1,932 |
| Net loans and leases to total assets | 75.6625% | 2,265 |
| Net loans and leases to deposits | 83.1020% | 4,026 |
| Net loans and leases to core deposits | 194.7223% | 141 |
| Total domestic deposits to total assets | 91.0477% | 438 |
| Equity capital to assets | 8.4518% | 6,116 |
| Core capital (leverage) ratio | 6.0840% | 7,902 |
| Tier 1 risk-based capital ratio | 10.7570% | 6,129 |
| Total risk-based capital ratio | 12.0219% | 6,046 |
| Memoranda: | ||
| Average total assets | $61,903,670 | 6,377 |
| Average earning assets | $52,860,000 | 6,515 |
| Average equity | $5,551,000 | 6,880 |
| Average total loans | $44,946,670 | 5,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9961% | 2,386 |
| Cost of funding earning assets | 2.4000% | 2,297 |
| Net interest margin | 3.5961% | 4,329 |
| Noninterest income to average assets | 0.6679% | 3,090 |
| Noninterest expense to average assets | 4.4614% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.7013% | 7,059 |
| Return on assets (ROA) | -0.7013% | 7,096 |
| Pretax return on assets | -0.7013% | 6,968 |
| Return on Equity (ROE) | -7.5805% | 7,200 |
| Retained earnings to average equity (ytd only) | -7.5805% | 6,862 |
| Net charge-offs to loans | 0.0381% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -26.2500% | 5,678 |
| Efficiency ratio | 118.6501% | 653 |
| Assets per employee ($millions) | 2.5972% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,885 |
| Loan loss allowance to noncurrent loans | 37.0400% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0054% | 2,893 |
| Noncurrent loans to loans | 2.7997% | 2,343 |
| Net loans and leases to total assets | 70.8865% | 3,494 |
| Net loans and leases to deposits | 78.0709% | 4,912 |
| Net loans and leases to core deposits | 176.0078% | 279 |
| Total domestic deposits to total assets | 90.7977% | 481 |
| Equity capital to assets | 8.8879% | 5,502 |
| Core capital (leverage) ratio | 6.6568% | 7,815 |
| Tier 1 risk-based capital ratio | 11.4730% | 5,444 |
| Total risk-based capital ratio | 12.7156% | 5,346 |
| Memoranda: | ||
| Average total assets | $59,892,000 | 6,477 |
| Average earning assets | $51,500,500 | 6,597 |
| Average equity | $5,540,500 | 6,932 |
| Average total loans | $42,014,500 | 6,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 7,824 |
| Cost of funding earning assets | 1.8003% | 7,007 |
| Net interest margin | 3.2215% | 6,300 |
| Noninterest income to average assets | 0.8397% | 2,298 |
| Noninterest expense to average assets | 6.2747% | 366 |
| Loan and lease loss provision to assets | -0.0228% | 8,218 |
| Net operating income to assets | -2.9186% | 7,811 |
| Return on assets (ROA) | -2.9186% | 7,779 |
| Pretax return on assets | -2.9186% | 7,689 |
| Return on Equity (ROE) | -21.7440% | 7,798 |
| Retained earnings to average equity (ytd only) | -21.7440% | 7,727 |
| Net charge-offs to loans | 1.1812% | 1,026 |
| Credit loss provision to net charge-offs | -3.9301% | 7,263 |
| Earnings coverage of net charge-offs (x) | -5.0786% | 6,836 |
| Efficiency ratio | 188.2398% | 222 |
| Assets per employee ($millions) | 2.3938% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 4,653 |
| Loan loss allowance to noncurrent loans | 24.8934% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 3.2653% | 1,389 |
| Noncurrent loans to loans | 4.7637% | 964 |
| Net loans and leases to total assets | 67.7331% | 4,506 |
| Net loans and leases to deposits | 75.2616% | 5,691 |
| Net loans and leases to core deposits | 164.8968% | 499 |
| Total domestic deposits to total assets | 89.9969% | 645 |
| Equity capital to assets | 9.6446% | 4,494 |
| Core capital (leverage) ratio | 9.1056% | 4,586 |
| Tier 1 risk-based capital ratio | 9.3886% | 7,418 |
| Total risk-based capital ratio | 10.3519% | 7,677 |
| Memoranda: | ||
| Average total assets | $39,539,800 | 7,235 |
| Average earning assets | $30,606,800 | 7,484 |
| Average equity | $5,307,200 | 7,039 |
| Average total loans | $19,387,800 | 7,370 |