Home > D'Hanis State Bank > Performance and Condition Ratios
D'Hanis State Bank, Performance and Condition Ratios
| 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 | 4.5350% | 1,750 |
| Cost of funding earning assets | 0.4093% | 3,689 |
| Net interest margin | 4.1257% | 1,503 |
| Noninterest income to average assets | 0.4583% | 3,841 |
| Noninterest expense to average assets | 5.1348% | 280 |
| Loan and lease loss provision to assets | -0.3416% | 6,487 |
| Net operating income to assets | -0.7486% | 6,433 |
| Return on assets (ROA) | -0.7486% | 6,429 |
| Pretax return on assets | -0.7486% | 6,410 |
| Return on Equity (ROE) | -4.5387% | 6,356 |
| Retained earnings to average equity (ytd only) | -4.5387% | 6,236 |
| Net charge-offs to loans | 0.0885% | 2,943 |
| Credit loss provision to net charge-offs | -705.8824% | 5,819 |
| Earnings coverage of net charge-offs (x) | -22.5254% | 4,656 |
| Efficiency ratio | 126.5306% | 98 |
| Assets per employee ($millions) | 2.6908% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 4,449 |
| Loan loss allowance to noncurrent loans | 75.6906% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 2,701 |
| Noncurrent loans to loans | 1.5314% | 2,115 |
| Net loans and leases to total assets | 51.0767% | 4,887 |
| Net loans and leases to deposits | 61.1687% | 4,829 |
| Net loans and leases to core deposits | 65.7770% | 4,730 |
| Total domestic deposits to total assets | 83.5013% | 3,949 |
| Equity capital to assets | 16.3850% | 510 |
| Core capital (leverage) ratio | 11.0577% | 2,427 |
| Tier 1 risk-based capital ratio | 21.4335% | 1,365 |
| Total risk-based capital ratio | 22.6151% | 1,351 |
| Memoranda: | ||
| Average total assets | $46,842,750 | 5,935 |
| Average earning assets | $40,719,500 | 5,970 |
| Average equity | $7,726,000 | 5,309 |
| Average total loans | $25,626,000 | 5,804 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 1,602 |
| Cost of funding earning assets | 0.4094% | 3,780 |
| Net interest margin | 4.1625% | 1,341 |
| Noninterest income to average assets | 0.4618% | 3,776 |
| Noninterest expense to average assets | 4.3974% | 501 |
| Loan and lease loss provision to assets | -0.5084% | 6,594 |
| Net operating income to assets | 0.1906% | 5,863 |
| Return on assets (ROA) | 0.1906% | 5,913 |
| Pretax return on assets | 0.1906% | 5,963 |
| Return on Equity (ROE) | 1.1534% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.1534% | 5,292 |
| Net charge-offs to loans | 0.0761% | 2,936 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 4,304 |
| Efficiency ratio | 107.1651% | 273 |
| Assets per employee ($millions) | 2.7504% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 4,882 |
| Loan loss allowance to noncurrent loans | 71.5013% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 2,738 |
| Noncurrent loans to loans | 1.5461% | 2,240 |
| Net loans and leases to total assets | 53.7609% | 4,570 |
| Net loans and leases to deposits | 64.7310% | 4,414 |
| Net loans and leases to core deposits | 69.6027% | 4,303 |
| Total domestic deposits to total assets | 83.0528% | 4,282 |
| Equity capital to assets | 16.7290% | 450 |
| Core capital (leverage) ratio | 12.0072% | 1,646 |
| Tier 1 risk-based capital ratio | 21.8280% | 1,284 |
| Total risk-based capital ratio | 22.9901% | 1,279 |
| Memoranda: | ||
| Average total assets | $47,209,330 | 5,977 |
| Average earning assets | $41,032,670 | 6,021 |
| Average equity | $7,803,000 | 5,311 |
| Average total loans | $26,288,670 | 5,833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,255 |
| Cost of funding earning assets | 0.4046% | 3,918 |
| Net interest margin | 4.2960% | 1,005 |
| Noninterest income to average assets | 0.5060% | 3,363 |
| Noninterest expense to average assets | 4.4102% | 496 |
| Loan and lease loss provision to assets | -1.0119% | 6,709 |
| Net operating income to assets | 0.8685% | 2,803 |
| Return on assets (ROA) | 0.8685% | 2,871 |
| Pretax return on assets | 0.8685% | 3,831 |
| Return on Equity (ROE) | 5.2865% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.2865% | 2,929 |
| Net charge-offs to loans | -0.0748% | 5,990 |
| Credit loss provision to net charge-offs | 2,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1739% | 423 |
| Assets per employee ($millions) | 2.7884% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 4,928 |
| Loan loss allowance to noncurrent loans | 92.5000% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 3,269 |
| Noncurrent loans to loans | 1.2308% | 2,987 |
| Net loans and leases to total assets | 54.2223% | 4,383 |
| Net loans and leases to deposits | 65.1269% | 4,190 |
| Net loans and leases to core deposits | 70.7818% | 4,007 |
| Total domestic deposits to total assets | 83.2563% | 4,516 |
| Equity capital to assets | 16.5749% | 448 |
| Core capital (leverage) ratio | 11.9395% | 1,686 |
| Tier 1 risk-based capital ratio | 21.9138% | 1,301 |
| Total risk-based capital ratio | 23.1294% | 1,285 |
| Memoranda: | ||
| Average total assets | $47,435,500 | 6,026 |
| Average earning assets | $41,527,000 | 6,070 |
| Average equity | $7,793,500 | 5,344 |
| Average total loans | $26,724,000 | 5,863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 1,965 |
| Cost of funding earning assets | 0.4413% | 4,203 |
| Net interest margin | 4.1279% | 1,576 |
| Noninterest income to average assets | 0.5282% | 3,567 |
| Noninterest expense to average assets | 4.6469% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4999% | 6,497 |
| Return on assets (ROA) | -0.4999% | 6,506 |
| Pretax return on assets | -0.4999% | 6,489 |
| Return on Equity (ROE) | -2.9045% | 6,426 |
| Retained earnings to average equity (ytd only) | -2.9045% | 6,259 |
| Net charge-offs to loans | -0.0152% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7966% | 259 |
| Assets per employee ($millions) | 2.6371% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 3,209 |
| Loan loss allowance to noncurrent loans | 114.4847% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 3,250 |
| Noncurrent loans to loans | 1.3079% | 2,955 |
| Net loans and leases to total assets | 56.9605% | 4,196 |
| Net loans and leases to deposits | 68.1573% | 4,028 |
| Net loans and leases to core deposits | 74.0666% | 3,832 |
| Total domestic deposits to total assets | 83.5721% | 4,332 |
| Equity capital to assets | 16.2847% | 485 |
| Core capital (leverage) ratio | 11.5690% | 1,909 |
| Tier 1 risk-based capital ratio | 20.0307% | 1,647 |
| Total risk-based capital ratio | 21.2838% | 1,617 |
| Memoranda: | ||
| Average total assets | $46,009,600 | 6,121 |
| Average earning assets | $40,335,000 | 6,160 |
| Average equity | $7,918,800 | 5,358 |
| Average total loans | $26,254,600 | 5,927 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 1,963 |
| Cost of funding earning assets | 0.4432% | 4,350 |
| Net interest margin | 4.1357% | 1,523 |
| Noninterest income to average assets | 0.5345% | 3,563 |
| Noninterest expense to average assets | 4.6941% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.5345% | 6,614 |
| Return on assets (ROA) | -0.5345% | 6,624 |
| Pretax return on assets | -0.5345% | 6,611 |
| Return on Equity (ROE) | -3.0629% | 6,523 |
| Retained earnings to average equity (ytd only) | -3.0629% | 6,359 |
| Net charge-offs to loans | 0.0051% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -183.4511% | 5,206 |
| Efficiency ratio | 111.5871% | 246 |
| Assets per employee ($millions) | 2.2923% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,574 |
| Loan loss allowance to noncurrent loans | 89.6247% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 2,993 |
| Noncurrent loans to loans | 1.6436% | 2,713 |
| Net loans and leases to total assets | 59.2331% | 3,819 |
| Net loans and leases to deposits | 71.5913% | 3,564 |
| Net loans and leases to core deposits | 77.5310% | 3,418 |
| Total domestic deposits to total assets | 82.7379% | 4,668 |
| Equity capital to assets | 17.0702% | 417 |
| Core capital (leverage) ratio | 12.2614% | 1,542 |
| Tier 1 risk-based capital ratio | 20.5068% | 1,602 |
| Total risk-based capital ratio | 21.7603% | 1,574 |
| Memoranda: | ||
| Average total assets | $45,645,000 | 6,203 |
| Average earning assets | $40,008,250 | 6,236 |
| Average equity | $7,966,000 | 5,398 |
| Average total loans | $25,956,000 | 5,994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 2,028 |
| Cost of funding earning assets | 0.4440% | 4,495 |
| Net interest margin | 4.1055% | 1,522 |
| Noninterest income to average assets | 0.5573% | 3,454 |
| Noninterest expense to average assets | 4.7786% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6099% | 6,667 |
| Return on assets (ROA) | -0.6099% | 6,681 |
| Pretax return on assets | -0.6099% | 6,663 |
| Return on Equity (ROE) | -3.4695% | 6,599 |
| Retained earnings to average equity (ytd only) | -3.4695% | 6,354 |
| Net charge-offs to loans | -0.0472% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3684% | 236 |
| Assets per employee ($millions) | 2.2630% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,155 |
| Loan loss allowance to noncurrent loans | 90.7692% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 2,991 |
| Noncurrent loans to loans | 1.7644% | 2,684 |
| Net loans and leases to total assets | 56.0662% | 4,276 |
| Net loans and leases to deposits | 68.0350% | 4,009 |
| Net loans and leases to core deposits | 74.1309% | 3,794 |
| Total domestic deposits to total assets | 82.4079% | 4,909 |
| Equity capital to assets | 17.3667% | 382 |
| Core capital (leverage) ratio | 12.5215% | 1,350 |
| Tier 1 risk-based capital ratio | 22.3948% | 1,222 |
| Total risk-based capital ratio | 23.6526% | 1,202 |
| Memoranda: | ||
| Average total assets | $45,578,000 | 6,246 |
| Average earning assets | $40,092,330 | 6,279 |
| Average equity | $8,012,670 | 5,427 |
| Average total loans | $25,420,670 | 6,049 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,453 |
| Cost of funding earning assets | 0.4558% | 4,530 |
| Net interest margin | 3.9636% | 1,909 |
| Noninterest income to average assets | 0.6647% | 2,790 |
| Noninterest expense to average assets | 4.5827% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4198% | 6,637 |
| Return on assets (ROA) | -0.4198% | 6,671 |
| Pretax return on assets | -0.4198% | 6,643 |
| Return on Equity (ROE) | -2.3736% | 6,579 |
| Retained earnings to average equity (ytd only) | -2.3736% | 6,121 |
| Net charge-offs to loans | -0.1743% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8235% | 346 |
| Assets per employee ($millions) | 2.3631% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 3,248 |
| Loan loss allowance to noncurrent loans | 99.2874% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 3,922 |
| Noncurrent loans to loans | 1.6490% | 3,071 |
| Net loans and leases to total assets | 55.9312% | 4,091 |
| Net loans and leases to deposits | 68.2707% | 3,746 |
| Net loans and leases to core deposits | 73.5172% | 3,637 |
| Total domestic deposits to total assets | 81.9257% | 5,219 |
| Equity capital to assets | 17.9384% | 341 |
| Core capital (leverage) ratio | 12.4752% | 1,349 |
| Tier 1 risk-based capital ratio | 23.1480% | 1,132 |
| Total risk-based capital ratio | 24.4047% | 1,115 |
| Memoranda: | ||
| Average total assets | $45,737,500 | 6,296 |
| Average earning assets | $40,367,500 | 6,326 |
| Average equity | $8,089,000 | 5,463 |
| Average total loans | $25,237,000 | 6,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 2,022 |
| Cost of funding earning assets | 0.5566% | 4,753 |
| Net interest margin | 4.2917% | 1,419 |
| Noninterest income to average assets | 0.2212% | 5,857 |
| Noninterest expense to average assets | 4.6742% | 488 |
| Loan and lease loss provision to assets | -0.1601% | 6,957 |
| Net operating income to assets | -0.5245% | 6,583 |
| Return on assets (ROA) | -0.5245% | 6,615 |
| Pretax return on assets | -0.5245% | 6,583 |
| Return on Equity (ROE) | -3.1352% | 6,502 |
| Retained earnings to average equity (ytd only) | -3.1352% | 6,271 |
| Net charge-offs to loans | -0.2260% | 6,945 |
| Credit loss provision to net charge-offs | 124.5902% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8923% | 249 |
| Assets per employee ($millions) | 2.4514% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 3,177 |
| Loan loss allowance to noncurrent loans | 97.8365% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 3,734 |
| Noncurrent loans to loans | 1.6677% | 3,124 |
| Net loans and leases to total assets | 52.6805% | 4,810 |
| Net loans and leases to deposits | 63.9401% | 4,539 |
| Net loans and leases to core deposits | 67.8624% | 4,551 |
| Total domestic deposits to total assets | 82.3905% | 4,970 |
| Equity capital to assets | 17.4421% | 372 |
| Core capital (leverage) ratio | 12.4470% | 1,344 |
| Tier 1 risk-based capital ratio | 24.0963% | 957 |
| Total risk-based capital ratio | 25.3515% | 940 |
| Memoranda: | ||
| Average total assets | $47,473,800 | 6,279 |
| Average earning assets | $41,684,800 | 6,312 |
| Average equity | $7,942,000 | 5,519 |
| Average total loans | $26,986,400 | 6,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 1,877 |
| Cost of funding earning assets | 0.5792% | 4,842 |
| Net interest margin | 4.3564% | 1,334 |
| Noninterest income to average assets | 0.3075% | 5,319 |
| Noninterest expense to average assets | 4.6122% | 497 |
| Loan and lease loss provision to assets | 0.6261% | 847 |
| Net operating income to assets | -1.1041% | 6,887 |
| Return on assets (ROA) | -1.1041% | 6,912 |
| Pretax return on assets | -1.1041% | 6,891 |
| Return on Equity (ROE) | -6.6694% | 6,778 |
| Retained earnings to average equity (ytd only) | -6.6694% | 6,706 |
| Net charge-offs to loans | -0.1164% | 6,884 |
| Credit loss provision to net charge-offs | -933.3333% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3448% | 303 |
| Assets per employee ($millions) | 2.4310% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6522% | 1,030 |
| Loan loss allowance to noncurrent loans | 165.0246% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 3,956 |
| Noncurrent loans to loans | 1.6072% | 3,375 |
| Net loans and leases to total assets | 53.2421% | 4,866 |
| Net loans and leases to deposits | 64.5697% | 4,651 |
| Net loans and leases to core deposits | 68.5491% | 4,665 |
| Total domestic deposits to total assets | 82.4569% | 4,852 |
| Equity capital to assets | 17.3634% | 416 |
| Core capital (leverage) ratio | 12.0133% | 1,649 |
| Tier 1 risk-based capital ratio | 23.1301% | 1,156 |
| Total risk-based capital ratio | 24.4001% | 1,127 |
| Memoranda: | ||
| Average total assets | $47,698,000 | 6,349 |
| Average earning assets | $41,898,750 | 6,380 |
| Average equity | $7,896,500 | 5,588 |
| Average total loans | $27,497,000 | 6,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 1,636 |
| Cost of funding earning assets | 0.6110% | 4,803 |
| Net interest margin | 4.4474% | 1,086 |
| Noninterest income to average assets | 0.2946% | 5,447 |
| Noninterest expense to average assets | 4.5850% | 515 |
| Loan and lease loss provision to assets | 0.9294% | 490 |
| Net operating income to assets | -1.3236% | 6,984 |
| Return on assets (ROA) | -1.3236% | 7,003 |
| Pretax return on assets | -1.3236% | 6,977 |
| Return on Equity (ROE) | -8.1219% | 6,865 |
| Retained earnings to average equity (ytd only) | -8.1219% | 6,773 |
| Net charge-offs to loans | 1.7279% | 521 |
| Credit loss provision to net charge-offs | 91.8033% | 2,982 |
| Earnings coverage of net charge-offs (x) | -0.3893% | 5,209 |
| Efficiency ratio | 108.2178% | 361 |
| Assets per employee ($millions) | 2.6587% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,989 |
| Loan loss allowance to noncurrent loans | 154.0230% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 4,699 |
| Noncurrent loans to loans | 0.9762% | 4,564 |
| Net loans and leases to total assets | 55.0297% | 4,626 |
| Net loans and leases to deposits | 66.3434% | 4,464 |
| Net loans and leases to core deposits | 70.2435% | 4,510 |
| Total domestic deposits to total assets | 82.9468% | 4,776 |
| Equity capital to assets | 16.8735% | 459 |
| Core capital (leverage) ratio | 11.7237% | 1,772 |
| Tier 1 risk-based capital ratio | 21.7676% | 1,335 |
| Total risk-based capital ratio | 23.0244% | 1,310 |
| Memoranda: | ||
| Average total assets | $48,201,000 | 6,375 |
| Average earning assets | $42,226,670 | 6,408 |
| Average equity | $7,855,330 | 5,616 |
| Average total loans | $28,242,000 | 6,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 1,313 |
| Cost of funding earning assets | 0.6361% | 4,845 |
| Net interest margin | 4.5664% | 875 |
| Noninterest income to average assets | 0.2067% | 6,149 |
| Noninterest expense to average assets | 4.2089% | 732 |
| Loan and lease loss provision to assets | 3.5061% | 48 |
| Net operating income to assets | -3.5309% | 7,243 |
| Return on assets (ROA) | -3.5309% | 7,244 |
| Pretax return on assets | -3.5309% | 7,232 |
| Return on Equity (ROE) | -22.0515% | 7,127 |
| Retained earnings to average equity (ytd only) | -22.0515% | 7,072 |
| Net charge-offs to loans | 5.7390% | 72 |
| Credit loss provision to net charge-offs | 101.9231% | 2,256 |
| Earnings coverage of net charge-offs (x) | -0.0072% | 4,373 |
| Efficiency ratio | 99.4071% | 574 |
| Assets per employee ($millions) | 2.6731% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 4,132 |
| Loan loss allowance to noncurrent loans | 215.0000% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6107% | 3,428 |
| Noncurrent loans to loans | 0.6996% | 5,262 |
| Net loans and leases to total assets | 58.5244% | 3,954 |
| Net loans and leases to deposits | 70.0874% | 3,723 |
| Net loans and leases to core deposits | 74.4337% | 3,845 |
| Total domestic deposits to total assets | 83.5020% | 4,711 |
| Equity capital to assets | 16.3691% | 516 |
| Core capital (leverage) ratio | 11.1961% | 2,113 |
| Tier 1 risk-based capital ratio | 20.1348% | 1,675 |
| Total risk-based capital ratio | 21.3891% | 1,648 |
| Memoranda: | ||
| Average total assets | $48,373,500 | 6,422 |
| Average earning assets | $42,134,000 | 6,451 |
| Average equity | $7,745,500 | 5,675 |
| Average total loans | $28,994,500 | 6,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 795 |
| Cost of funding earning assets | 0.9506% | 3,716 |
| Net interest margin | 4.7390% | 696 |
| Noninterest income to average assets | 0.0956% | 6,659 |
| Noninterest expense to average assets | 4.2586% | 751 |
| Loan and lease loss provision to assets | 0.2191% | 4,001 |
| Net operating income to assets | -0.3605% | 6,388 |
| Return on assets (ROA) | -0.3605% | 6,435 |
| Pretax return on assets | -0.3605% | 6,390 |
| Return on Equity (ROE) | -2.3427% | 6,361 |
| Retained earnings to average equity (ytd only) | -2.3427% | 6,197 |
| Net charge-offs to loans | 0.9575% | 1,803 |
| Credit loss provision to net charge-offs | 34.9206% | 5,710 |
| Earnings coverage of net charge-offs (x) | -0.2254% | 5,969 |
| Efficiency ratio | 102.2738% | 616 |
| Assets per employee ($millions) | 2.8607% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,307 |
| Loan loss allowance to noncurrent loans | 1,140.5405% | 357 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 3,345 |
| Noncurrent loans to loans | 0.1259% | 6,490 |
| Net loans and leases to total assets | 59.5863% | 4,061 |
| Net loans and leases to deposits | 70.6987% | 3,992 |
| Net loans and leases to core deposits | 76.3644% | 3,928 |
| Total domestic deposits to total assets | 84.2820% | 4,199 |
| Equity capital to assets | 15.6584% | 643 |
| Core capital (leverage) ratio | 10.3161% | 2,951 |
| Tier 1 risk-based capital ratio | 18.0017% | 2,187 |
| Total risk-based capital ratio | 19.2567% | 2,163 |
| Memoranda: | ||
| Average total assets | $50,204,000 | 6,358 |
| Average earning assets | $42,603,600 | 6,436 |
| Average equity | $7,726,200 | 5,656 |
| Average total loans | $32,896,600 | 6,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 704 |
| Cost of funding earning assets | 1.0303% | 3,465 |
| Net interest margin | 4.7685% | 665 |
| Noninterest income to average assets | 0.4506% | 4,288 |
| Noninterest expense to average assets | 4.5878% | 531 |
| Loan and lease loss provision to assets | 0.1318% | 4,782 |
| Net operating income to assets | -0.2319% | 6,420 |
| Return on assets (ROA) | -0.2319% | 6,496 |
| Pretax return on assets | -0.2319% | 6,442 |
| Return on Equity (ROE) | -1.5132% | 6,427 |
| Retained earnings to average equity (ytd only) | -1.5132% | 6,230 |
| Net charge-offs to loans | 1.1015% | 1,438 |
| Credit loss provision to net charge-offs | 17.9211% | 5,588 |
| Earnings coverage of net charge-offs (x) | -0.1362% | 5,687 |
| Efficiency ratio | 101.1744% | 630 |
| Assets per employee ($millions) | 2.7663% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 4,983 |
| Loan loss allowance to noncurrent loans | 134.4595% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 2,831 |
| Noncurrent loans to loans | 0.9713% | 4,946 |
| Net loans and leases to total assets | 60.4009% | 4,058 |
| Net loans and leases to deposits | 71.5380% | 4,059 |
| Net loans and leases to core deposits | 77.7620% | 3,943 |
| Total domestic deposits to total assets | 84.4319% | 4,039 |
| Equity capital to assets | 15.4999% | 723 |
| Core capital (leverage) ratio | 10.2714% | 3,112 |
| Tier 1 risk-based capital ratio | 17.5947% | 2,397 |
| Total risk-based capital ratio | 18.8463% | 2,371 |
| Memoranda: | ||
| Average total assets | $50,597,000 | 6,405 |
| Average earning assets | $42,835,500 | 6,488 |
| Average equity | $7,754,000 | 5,676 |
| Average total loans | $33,770,750 | 6,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 627 |
| Cost of funding earning assets | 1.0956% | 3,277 |
| Net interest margin | 4.7705% | 631 |
| Noninterest income to average assets | 0.4325% | 4,411 |
| Noninterest expense to average assets | 4.0971% | 916 |
| Loan and lease loss provision to assets | 0.1966% | 3,964 |
| Net operating income to assets | 0.1966% | 5,750 |
| Return on assets (ROA) | 0.1966% | 5,867 |
| Pretax return on assets | 0.1966% | 5,938 |
| Return on Equity (ROE) | 1.2877% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.2877% | 5,331 |
| Net charge-offs to loans | 1.2848% | 1,206 |
| Credit loss provision to net charge-offs | 22.3214% | 5,102 |
| Earnings coverage of net charge-offs (x) | 0.4464% | 4,967 |
| Efficiency ratio | 90.1926% | 1,227 |
| Assets per employee ($millions) | 2.6641% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 4,734 |
| Loan loss allowance to noncurrent loans | 191.1392% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 2.4379% | 2,724 |
| Noncurrent loans to loans | 0.7164% | 5,476 |
| Net loans and leases to total assets | 64.4606% | 3,364 |
| Net loans and leases to deposits | 76.3014% | 3,408 |
| Net loans and leases to core deposits | 83.0927% | 3,353 |
| Total domestic deposits to total assets | 84.4815% | 4,130 |
| Equity capital to assets | 15.4217% | 713 |
| Core capital (leverage) ratio | 11.0053% | 2,245 |
| Tier 1 risk-based capital ratio | 16.8873% | 2,573 |
| Total risk-based capital ratio | 18.1408% | 2,539 |
| Memoranda: | ||
| Average total assets | $50,864,670 | 6,452 |
| Average earning assets | $43,265,670 | 6,534 |
| Average equity | $7,766,000 | 5,680 |
| Average total loans | $34,869,670 | 6,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 699 |
| Cost of funding earning assets | 1.1693% | 3,023 |
| Net interest margin | 4.6589% | 766 |
| Noninterest income to average assets | 0.4864% | 4,005 |
| Noninterest expense to average assets | 3.7656% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7217% | 3,424 |
| Return on assets (ROA) | 0.7217% | 3,487 |
| Pretax return on assets | 0.7217% | 4,214 |
| Return on Equity (ROE) | 4.7508% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.7508% | 3,342 |
| Net charge-offs to loans | 0.8276% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2432% | 3,739 |
| Efficiency ratio | 82.8671% | 2,102 |
| Assets per employee ($millions) | 2.6616% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,778 |
| Loan loss allowance to noncurrent loans | 59.4624% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.9108% | 2,371 |
| Noncurrent loans to loans | 2.6730% | 2,818 |
| Net loans and leases to total assets | 67.7048% | 2,615 |
| Net loans and leases to deposits | 80.0912% | 2,710 |
| Net loans and leases to core deposits | 86.1532% | 2,851 |
| Total domestic deposits to total assets | 84.5346% | 4,256 |
| Equity capital to assets | 15.4120% | 679 |
| Core capital (leverage) ratio | 10.8371% | 2,326 |
| Tier 1 risk-based capital ratio | 15.8977% | 2,953 |
| Total risk-based capital ratio | 17.1535% | 2,925 |
| Memoranda: | ||
| Average total assets | $50,988,500 | 6,499 |
| Average earning assets | $43,787,000 | 6,568 |
| Average equity | $7,746,000 | 5,692 |
| Average total loans | $35,764,000 | 6,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2360% | 528 |
| Cost of funding earning assets | 1.5802% | 2,186 |
| Net interest margin | 4.6558% | 896 |
| Noninterest income to average assets | 0.3678% | 5,162 |
| Noninterest expense to average assets | 3.5848% | 1,962 |
| Loan and lease loss provision to assets | 0.7655% | 2,140 |
| Net operating income to assets | 0.0669% | 5,660 |
| Return on assets (ROA) | 0.0669% | 5,805 |
| Pretax return on assets | 0.0669% | 5,764 |
| Return on Equity (ROE) | 0.5605% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.5605% | 5,297 |
| Net charge-offs to loans | 0.7467% | 2,779 |
| Credit loss provision to net charge-offs | 141.2338% | 2,665 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 4,594 |
| Efficiency ratio | 80.1992% | 2,389 |
| Assets per employee ($millions) | 2.7056% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7068% | 3,195 |
| Loan loss allowance to noncurrent loans | 98.4301% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 2,974 |
| Noncurrent loans to loans | 1.7340% | 3,898 |
| Net loans and leases to total assets | 70.2428% | 2,484 |
| Net loans and leases to deposits | 82.6898% | 2,684 |
| Net loans and leases to core deposits | 87.4628% | 3,120 |
| Total domestic deposits to total assets | 84.9473% | 3,880 |
| Equity capital to assets | 14.9749% | 795 |
| Core capital (leverage) ratio | 9.8810% | 3,231 |
| Tier 1 risk-based capital ratio | 15.0469% | 3,218 |
| Total risk-based capital ratio | 16.3043% | 3,167 |
| Memoranda: | ||
| Average total assets | $56,823,000 | 6,316 |
| Average earning assets | $49,422,600 | 6,390 |
| Average equity | $6,780,200 | 6,109 |
| Average total loans | $41,250,000 | 5,873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3631% | 446 |
| Cost of funding earning assets | 1.6362% | 2,174 |
| Net interest margin | 4.7269% | 790 |
| Noninterest income to average assets | 0.3323% | 5,502 |
| Noninterest expense to average assets | 3.3987% | 2,298 |
| Loan and lease loss provision to assets | 0.5156% | 2,881 |
| Net operating income to assets | 0.5294% | 4,185 |
| Return on assets (ROA) | 0.5294% | 4,359 |
| Pretax return on assets | 0.5294% | 4,822 |
| Return on Equity (ROE) | 4.7016% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.7016% | 3,191 |
| Net charge-offs to loans | 0.1825% | 4,865 |
| Credit loss provision to net charge-offs | 387.9310% | 797 |
| Earnings coverage of net charge-offs (x) | 7.8621% | 2,253 |
| Efficiency ratio | 75.5544% | 3,025 |
| Assets per employee ($millions) | 3.0562% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 3,020 |
| Loan loss allowance to noncurrent loans | 104.2188% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.0356% | 3,421 |
| Noncurrent loans to loans | 1.6705% | 4,141 |
| Net loans and leases to total assets | 64.8303% | 3,941 |
| Net loans and leases to deposits | 73.4322% | 4,607 |
| Net loans and leases to core deposits | 78.3373% | 4,768 |
| Total domestic deposits to total assets | 88.2859% | 1,806 |
| Equity capital to assets | 11.6176% | 2,441 |
| Core capital (leverage) ratio | 7.3124% | 6,996 |
| Tier 1 risk-based capital ratio | 11.2085% | 6,179 |
| Total risk-based capital ratio | 12.4655% | 6,169 |
| Memoranda: | ||
| Average total assets | $58,177,250 | 6,345 |
| Average earning assets | $50,602,750 | 6,419 |
| Average equity | $6,550,750 | 6,258 |
| Average total loans | $42,378,500 | 5,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3313% | 481 |
| Cost of funding earning assets | 1.6737% | 2,270 |
| Net interest margin | 4.6575% | 882 |
| Noninterest income to average assets | 0.2886% | 5,840 |
| Noninterest expense to average assets | 3.2810% | 2,626 |
| Loan and lease loss provision to assets | 0.7730% | 1,860 |
| Net operating income to assets | 0.3264% | 5,085 |
| Return on assets (ROA) | 0.3264% | 5,245 |
| Pretax return on assets | 0.3264% | 5,428 |
| Return on Equity (ROE) | 2.9295% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.9295% | 4,266 |
| Net charge-offs to loans | 0.2515% | 4,087 |
| Credit loss provision to net charge-offs | 409.0909% | 887 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,589 |
| Efficiency ratio | 73.9608% | 3,482 |
| Assets per employee ($millions) | 3.0728% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,494 |
| Loan loss allowance to noncurrent loans | 70.5263% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.6272% | 4,002 |
| Noncurrent loans to loans | 2.2540% | 3,421 |
| Net loans and leases to total assets | 71.0429% | 2,642 |
| Net loans and leases to deposits | 80.1194% | 3,576 |
| Net loans and leases to core deposits | 85.5513% | 3,900 |
| Total domestic deposits to total assets | 88.6714% | 1,624 |
| Equity capital to assets | 11.2618% | 2,628 |
| Core capital (leverage) ratio | 7.1261% | 7,113 |
| Tier 1 risk-based capital ratio | 10.2765% | 6,854 |
| Total risk-based capital ratio | 11.5333% | 6,831 |
| Memoranda: | ||
| Average total assets | $58,214,000 | 6,383 |
| Average earning assets | $51,143,000 | 6,440 |
| Average equity | $6,485,670 | 6,306 |
| Average total loans | $43,734,000 | 5,875 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5656% | 322 |
| Cost of funding earning assets | 1.7778% | 1,979 |
| Net interest margin | 4.7877% | 662 |
| Noninterest income to average assets | 0.4060% | 4,865 |
| Noninterest expense to average assets | 3.1447% | 3,082 |
| Loan and lease loss provision to assets | 1.3418% | 891 |
| Net operating income to assets | 0.1445% | 5,877 |
| Return on assets (ROA) | 0.1445% | 6,005 |
| Pretax return on assets | 0.1445% | 6,030 |
| Return on Equity (ROE) | 1.3041% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.3041% | 5,289 |
| Net charge-offs to loans | 0.1976% | 3,724 |
| Credit loss provision to net charge-offs | 886.3636% | 523 |
| Earnings coverage of net charge-offs (x) | 9.8182% | 1,803 |
| Efficiency ratio | 67.0134% | 4,917 |
| Assets per employee ($millions) | 3.3424% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,868 |
| Loan loss allowance to noncurrent loans | 103.6980% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 4,988 |
| Noncurrent loans to loans | 1.4544% | 4,565 |
| Net loans and leases to total assets | 73.0515% | 2,186 |
| Net loans and leases to deposits | 81.9336% | 3,294 |
| Net loans and leases to core deposits | 88.1786% | 3,605 |
| Total domestic deposits to total assets | 89.1595% | 1,433 |
| Equity capital to assets | 10.7308% | 3,024 |
| Core capital (leverage) ratio | 6.9889% | 7,260 |
| Tier 1 risk-based capital ratio | 9.4561% | 7,327 |
| Total risk-based capital ratio | 10.7127% | 7,319 |
| Memoranda: | ||
| Average total assets | $58,129,500 | 6,465 |
| Average earning assets | $51,298,000 | 6,503 |
| Average equity | $6,441,000 | 6,366 |
| Average total loans | $44,527,500 | 5,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4171% | 798 |
| Cost of funding earning assets | 2.0475% | 2,736 |
| Net interest margin | 4.3696% | 1,519 |
| Noninterest income to average assets | 0.6391% | 3,361 |
| Noninterest expense to average assets | 3.5451% | 2,282 |
| Loan and lease loss provision to assets | 0.1351% | 6,289 |
| Net operating income to assets | 0.7120% | 2,885 |
| Return on assets (ROA) | 1.0852% | 1,601 |
| Pretax return on assets | 1.0852% | 2,293 |
| Return on Equity (ROE) | 8.0463% | 2,352 |
| Retained earnings to average equity (ytd only) | 7.5693% | 813 |
| Net charge-offs to loans | 0.2160% | 5,272 |
| Credit loss provision to net charge-offs | 95.4545% | 5,801 |
| Earnings coverage of net charge-offs (x) | 5.9848% | 2,456 |
| Efficiency ratio | 79.8340% | 2,914 |
| Assets per employee ($millions) | 3.1164% | 5,952 |
| Cash dividends to net income (ytd only)* | 5.9289% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,777 |
| Loan loss allowance to noncurrent loans | 82.6446% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 4,937 |
| Noncurrent loans to loans | 1.3616% | 4,647 |
| Net loans and leases to total assets | 78.3157% | 1,316 |
| Net loans and leases to deposits | 88.5547% | 2,461 |
| Net loans and leases to core deposits | 129.9456% | 1,292 |
| Total domestic deposits to total assets | 88.4377% | 1,756 |
| Equity capital to assets | 11.4554% | 2,349 |
| Core capital (leverage) ratio | 7.6234% | 6,652 |
| Tier 1 risk-based capital ratio | 9.4137% | 7,274 |
| Total risk-based capital ratio | 10.6636% | 7,253 |
| Memoranda: | ||
| Average total assets | $46,628,200 | 6,842 |
| Average earning assets | $40,049,200 | 6,938 |
| Average equity | $6,288,600 | 6,502 |
| Average total loans | $30,560,800 | 6,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4814% | 782 |
| Cost of funding earning assets | 2.0961% | 2,906 |
| Net interest margin | 4.3853% | 1,481 |
| Noninterest income to average assets | 0.6748% | 3,184 |
| Noninterest expense to average assets | 3.5726% | 2,086 |
| Loan and lease loss provision to assets | 0.1356% | 6,000 |
| Net operating income to assets | 0.7290% | 3,102 |
| Return on assets (ROA) | 1.2531% | 1,401 |
| Pretax return on assets | 1.2531% | 2,102 |
| Return on Equity (ROE) | 8.8684% | 2,315 |
| Retained earnings to average equity (ytd only) | 8.2288% | 1,070 |
| Net charge-offs to loans | 0.1476% | 5,226 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 9.5665% | 2,088 |
| Efficiency ratio | 79.7013% | 2,896 |
| Assets per employee ($millions) | 2.9144% | 6,369 |
| Cash dividends to net income (ytd only)* | 7.2118% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,793 |
| Loan loss allowance to noncurrent loans | 84.5024% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 4,740 |
| Noncurrent loans to loans | 1.6903% | 4,106 |
| Net loans and leases to total assets | 68.1427% | 3,926 |
| Net loans and leases to deposits | 77.6687% | 4,787 |
| Net loans and leases to core deposits | 110.6684% | 3,163 |
| Total domestic deposits to total assets | 87.7352% | 1,784 |
| Equity capital to assets | 12.1180% | 2,178 |
| Core capital (leverage) ratio | 8.1260% | 6,144 |
| Tier 1 risk-based capital ratio | 10.1083% | 6,874 |
| Total risk-based capital ratio | 11.3607% | 6,814 |
| Memoranda: | ||
| Average total assets | $44,261,250 | 6,989 |
| Average earning assets | $37,974,250 | 7,072 |
| Average equity | $6,254,250 | 6,571 |
| Average total loans | $27,093,000 | 6,855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5723% | 694 |
| Cost of funding earning assets | 2.1908% | 2,838 |
| Net interest margin | 4.3815% | 1,445 |
| Noninterest income to average assets | 0.6935% | 3,029 |
| Noninterest expense to average assets | 3.6409% | 1,973 |
| Loan and lease loss provision to assets | 0.1830% | 5,204 |
| Net operating income to assets | 0.5779% | 3,776 |
| Return on assets (ROA) | 0.5779% | 3,884 |
| Pretax return on assets | 0.5779% | 4,377 |
| Return on Equity (ROE) | 3.8585% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.8585% | 3,140 |
| Net charge-offs to loans | 0.1914% | 4,347 |
| Credit loss provision to net charge-offs | 165.2174% | 2,774 |
| Earnings coverage of net charge-offs (x) | 6.8696% | 2,536 |
| Efficiency ratio | 82.0569% | 2,716 |
| Assets per employee ($millions) | 2.5451% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 1,853 |
| Loan loss allowance to noncurrent loans | 488.6792% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 6,922 |
| Noncurrent loans to loans | 0.3838% | 6,549 |
| Net loans and leases to total assets | 59.1561% | 5,815 |
| Net loans and leases to deposits | 68.5798% | 6,130 |
| Net loans and leases to core deposits | 102.0139% | 4,279 |
| Total domestic deposits to total assets | 86.2588% | 2,648 |
| Equity capital to assets | 13.6168% | 1,451 |
| Core capital (leverage) ratio | 8.9292% | 4,740 |
| Tier 1 risk-based capital ratio | 11.0662% | 5,814 |
| Total risk-based capital ratio | 12.3212% | 5,727 |
| Memoranda: | ||
| Average total assets | $41,528,670 | 7,151 |
| Average earning assets | $35,147,670 | 7,257 |
| Average equity | $6,220,000 | 6,629 |
| Average total loans | $24,035,670 | 7,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4992% | 868 |
| Cost of funding earning assets | 2.1947% | 3,192 |
| Net interest margin | 4.3045% | 1,591 |
| Noninterest income to average assets | 0.7414% | 2,648 |
| Noninterest expense to average assets | 3.6864% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6601% | 3,757 |
| Return on assets (ROA) | 0.6601% | 3,932 |
| Pretax return on assets | 0.6601% | 4,559 |
| Return on Equity (ROE) | 4.1861% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.1861% | 3,586 |
| Net charge-offs to loans | 0.6474% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8056% | 3,825 |
| Efficiency ratio | 84.8131% | 2,209 |
| Assets per employee ($millions) | 2.2877% | 7,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 1,521 |
| Loan loss allowance to noncurrent loans | 399.1453% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 6,660 |
| Noncurrent loans to loans | 0.4893% | 6,208 |
| Net loans and leases to total assets | 56.9392% | 6,104 |
| Net loans and leases to deposits | 67.2450% | 6,250 |
| Net loans and leases to core deposits | 99.9915% | 4,540 |
| Total domestic deposits to total assets | 84.6742% | 3,382 |
| Equity capital to assets | 15.1898% | 1,049 |
| Core capital (leverage) ratio | 10.0402% | 3,364 |
| Tier 1 risk-based capital ratio | 12.1985% | 4,791 |
| Total risk-based capital ratio | 13.4544% | 4,691 |
| Memoranda: | ||
| Average total assets | $39,387,500 | 7,280 |
| Average earning assets | $32,988,500 | 7,406 |
| Average equity | $6,211,000 | 6,687 |
| Average total loans | $22,244,500 | 7,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7950% | 8,270 |
| Cost of funding earning assets | 0.2879% | 8,224 |
| Net interest margin | 0.5071% | 8,264 |
| Noninterest income to average assets | 0.1270% | 7,478 |
| Noninterest expense to average assets | 0.5975% | 8,251 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0231% | 6,402 |
| Return on assets (ROA) | -0.0231% | 6,260 |
| Pretax return on assets | -0.0231% | 6,179 |
| Return on Equity (ROE) | -0.2039% | 6,262 |
| Retained earnings to average equity (ytd only) | -3.0071% | 6,111 |
| Net charge-offs to loans | 0.5524% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.0762% | 6,304 |
| Efficiency ratio | 104.0201% | 869 |
| Assets per employee ($millions) | 2.0887% | 7,834 |
| Cash dividends to net income (ytd only)* | -1,375.0000% | 8,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4447% | 727 |
| Loan loss allowance to noncurrent loans | 474.5283% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,456 |
| Noncurrent loans to loans | 0.5152% | 5,805 |
| Net loans and leases to total assets | 53.3887% | 6,718 |
| Net loans and leases to deposits | 63.9949% | 6,794 |
| Net loans and leases to core deposits | 88.9953% | 5,892 |
| Total domestic deposits to total assets | 83.4264% | 3,601 |
| Equity capital to assets | 16.4033% | 858 |
| Core capital (leverage) ratio | 9.9133% | 3,537 |
| Tier 1 risk-based capital ratio | 12.4389% | 4,485 |
| Total risk-based capital ratio | 13.6988% | 4,375 |
| Memoranda: | ||
| Average total assets | $34,642,400 | 7,437 |
| Average earning assets | $30,566,200 | 7,488 |
| Average equity | $3,924,000 | 7,543 |
| Average total loans | $19,007,000 | 7,400 |