Home > Eastside Commercial Bank > Performance and Condition Ratios
Eastside Commercial Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 3,773 |
| Cost of funding earning assets | 0.5745% | 1,621 |
| Net interest margin | 3.2889% | 4,269 |
| Noninterest income to average assets | 0.3796% | 4,166 |
| Noninterest expense to average assets | 6.2778% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.7931% | 6,384 |
| Return on assets (ROA) | -2.7931% | 6,386 |
| Pretax return on assets | -2.7931% | 6,384 |
| Return on Equity (ROE) | -79.5367% | 6,406 |
| Retained earnings to average equity (ytd only) | -79.5367% | 6,401 |
| Net charge-offs to loans | -0.2313% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.1556% | 25 |
| Assets per employee ($millions) | 4.5210% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5078% | 52 |
| Loan loss allowance to noncurrent loans | 265.9472% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 4.4717% | 303 |
| Noncurrent loans to loans | 2.0710% | 1,251 |
| Net loans and leases to total assets | 70.1393% | 2,122 |
| Net loans and leases to deposits | 73.0533% | 3,423 |
| Net loans and leases to core deposits | 75.6050% | 3,633 |
| Total domestic deposits to total assets | 96.0112% | 7 |
| Equity capital to assets | 3.4395% | 6,398 |
| Core capital (leverage) ratio | 2.9894% | 6,404 |
| Tier 1 risk-based capital ratio | 4.7002% | 6,401 |
| Total risk-based capital ratio | 6.0273% | 6,403 |
| Memoranda: | ||
| Average total assets | $29,501,000 | 6,182 |
| Average earning assets | $27,851,500 | 6,148 |
| Average equity | $1,036,000 | 6,404 |
| Average total loans | $20,754,500 | 5,867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 4,224 |
| Cost of funding earning assets | 0.6654% | 1,296 |
| Net interest margin | 3.2093% | 4,889 |
| Noninterest income to average assets | 1.9155% | 366 |
| Noninterest expense to average assets | 10.3299% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -5.4913% | 6,497 |
| Return on assets (ROA) | -5.4913% | 6,497 |
| Pretax return on assets | -5.4860% | 6,499 |
| Return on Equity (ROE) | -156.3169% | 6,508 |
| Retained earnings to average equity (ytd only) | -156.3169% | 6,508 |
| Net charge-offs to loans | -0.2463% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 213.2557% | 18 |
| Assets per employee ($millions) | 5.3127% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1324% | 68 |
| Loan loss allowance to noncurrent loans | 248.7528% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 4.3199% | 371 |
| Noncurrent loans to loans | 2.0633% | 1,329 |
| Net loans and leases to total assets | 63.6121% | 3,273 |
| Net loans and leases to deposits | 66.3471% | 4,286 |
| Net loans and leases to core deposits | 67.7390% | 4,531 |
| Total domestic deposits to total assets | 95.8778% | 11 |
| Equity capital to assets | 3.5732% | 6,485 |
| Core capital (leverage) ratio | 3.4014% | 6,489 |
| Tier 1 risk-based capital ratio | 5.6023% | 6,484 |
| Total risk-based capital ratio | 6.8811% | 6,483 |
| Memoranda: | ||
| Average total assets | $37,222,200 | 6,096 |
| Average earning assets | $33,963,400 | 6,091 |
| Average equity | $1,307,600 | 6,480 |
| Average total loans | $24,771,200 | 5,788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 4,040 |
| Cost of funding earning assets | 0.6873% | 1,219 |
| Net interest margin | 3.2456% | 4,805 |
| Noninterest income to average assets | 1.2241% | 811 |
| Noninterest expense to average assets | 10.9821% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -6.8258% | 6,585 |
| Return on assets (ROA) | -6.8258% | 6,585 |
| Pretax return on assets | -6.8188% | 6,585 |
| Return on Equity (ROE) | -194.9939% | 6,587 |
| Retained earnings to average equity (ytd only) | -194.9939% | 6,587 |
| Net charge-offs to loans | -0.3070% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 263.7874% | 9 |
| Assets per employee ($millions) | 3.9960% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9802% | 81 |
| Loan loss allowance to noncurrent loans | 224.5902% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 7.0876% | 166 |
| Noncurrent loans to loans | 2.2175% | 1,365 |
| Net loans and leases to total assets | 58.1443% | 4,050 |
| Net loans and leases to deposits | 59.2631% | 5,005 |
| Net loans and leases to core deposits | 60.7737% | 5,135 |
| Total domestic deposits to total assets | 98.1120% | 4 |
| Equity capital to assets | 1.3903% | 6,582 |
| Core capital (leverage) ratio | 1.3855% | 6,584 |
| Tier 1 risk-based capital ratio | 2.3000% | 6,584 |
| Total risk-based capital ratio | 3.5972% | 6,583 |
| Memoranda: | ||
| Average total assets | $38,558,750 | 6,143 |
| Average earning assets | $34,918,000 | 6,140 |
| Average equity | $1,349,750 | 6,553 |
| Average total loans | $25,620,500 | 5,805 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,597 |
| Cost of funding earning assets | 0.6849% | 1,274 |
| Net interest margin | 3.3515% | 4,392 |
| Noninterest income to average assets | 1.4002% | 616 |
| Noninterest expense to average assets | 12.6624% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -8.2438% | 6,652 |
| Return on assets (ROA) | -8.2438% | 6,652 |
| Pretax return on assets | -8.2336% | 6,652 |
| Return on Equity (ROE) | -199.0202% | 6,654 |
| Retained earnings to average equity (ytd only) | -199.0202% | 6,654 |
| Net charge-offs to loans | -0.3653% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 285.9107% | 11 |
| Assets per employee ($millions) | 2.8299% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5523% | 114 |
| Loan loss allowance to noncurrent loans | 212.1094% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 6.9967% | 185 |
| Noncurrent loans to loans | 2.1462% | 1,549 |
| Net loans and leases to total assets | 61.8935% | 3,424 |
| Net loans and leases to deposits | 63.6656% | 4,535 |
| Net loans and leases to core deposits | 65.2641% | 4,709 |
| Total domestic deposits to total assets | 97.2166% | 6 |
| Equity capital to assets | 2.3078% | 6,640 |
| Core capital (leverage) ratio | 2.1905% | 6,647 |
| Tier 1 risk-based capital ratio | 3.6007% | 6,641 |
| Total risk-based capital ratio | 4.8942% | 6,641 |
| Memoranda: | ||
| Average total assets | $39,423,670 | 6,187 |
| Average earning assets | $35,626,330 | 6,182 |
| Average equity | $1,633,000 | 6,584 |
| Average total loans | $26,825,000 | 5,808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 3,991 |
| Cost of funding earning assets | 0.6888% | 1,312 |
| Net interest margin | 3.2361% | 4,791 |
| Noninterest income to average assets | 0.2749% | 5,173 |
| Noninterest expense to average assets | 11.9879% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -8.8167% | 6,723 |
| Return on assets (ROA) | -8.8167% | 6,723 |
| Pretax return on assets | -8.8069% | 6,721 |
| Return on Equity (ROE) | -177.3827% | 6,723 |
| Retained earnings to average equity (ytd only) | -177.3827% | 6,723 |
| Net charge-offs to loans | -0.5228% | 6,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 376.8519% | 7 |
| Assets per employee ($millions) | 2.8052% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9200% | 200 |
| Loan loss allowance to noncurrent loans | 222.8216% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 8.1965% | 161 |
| Noncurrent loans to loans | 1.7593% | 2,196 |
| Net loans and leases to total assets | 67.0282% | 2,388 |
| Net loans and leases to deposits | 70.1450% | 3,586 |
| Net loans and leases to core deposits | 71.8175% | 3,890 |
| Total domestic deposits to total assets | 95.5567% | 27 |
| Equity capital to assets | 4.0155% | 6,673 |
| Core capital (leverage) ratio | 3.7335% | 6,681 |
| Tier 1 risk-based capital ratio | 5.6894% | 6,687 |
| Total risk-based capital ratio | 6.9702% | 6,684 |
| Memoranda: | ||
| Average total assets | $40,741,000 | 6,213 |
| Average earning assets | $36,587,000 | 6,218 |
| Average equity | $2,025,000 | 6,597 |
| Average total loans | $28,309,500 | 5,781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 2,636 |
| Cost of funding earning assets | 0.6633% | 2,089 |
| Net interest margin | 3.7223% | 2,967 |
| Noninterest income to average assets | 0.7705% | 2,209 |
| Noninterest expense to average assets | 7.2537% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -3.2060% | 6,769 |
| Return on assets (ROA) | -3.4262% | 6,774 |
| Pretax return on assets | -3.4216% | 6,773 |
| Return on Equity (ROE) | -53.5024% | 6,777 |
| Retained earnings to average equity (ytd only) | -53.5024% | 6,774 |
| Net charge-offs to loans | 0.9462% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -5.0036% | 5,391 |
| Efficiency ratio | 179.0040% | 37 |
| Assets per employee ($millions) | 3.0149% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5454% | 278 |
| Loan loss allowance to noncurrent loans | 210.1420% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 9.0976% | 149 |
| Noncurrent loans to loans | 1.6871% | 2,382 |
| Net loans and leases to total assets | 66.7749% | 2,559 |
| Net loans and leases to deposits | 71.4032% | 3,606 |
| Net loans and leases to core deposits | 73.0162% | 3,942 |
| Total domestic deposits to total assets | 93.5180% | 99 |
| Equity capital to assets | 5.8589% | 6,631 |
| Core capital (leverage) ratio | 5.8201% | 6,666 |
| Tier 1 risk-based capital ratio | 8.1844% | 6,690 |
| Total risk-based capital ratio | 9.4553% | 6,691 |
| Memoranda: | ||
| Average total assets | $43,605,600 | 6,185 |
| Average earning assets | $38,444,200 | 6,211 |
| Average equity | $2,792,400 | 6,575 |
| Average total loans | $29,487,800 | 5,788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,824 |
| Cost of funding earning assets | 0.6559% | 2,310 |
| Net interest margin | 3.6867% | 3,082 |
| Noninterest income to average assets | 0.1274% | 6,383 |
| Noninterest expense to average assets | 7.7017% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -4.3347% | 6,876 |
| Return on assets (ROA) | -4.3347% | 6,875 |
| Pretax return on assets | -4.3347% | 6,872 |
| Return on Equity (ROE) | -66.3344% | 6,870 |
| Retained earnings to average equity (ytd only) | -66.3344% | 6,867 |
| Net charge-offs to loans | 1.3850% | 372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -4.6548% | 5,138 |
| Efficiency ratio | 228.7387% | 20 |
| Assets per employee ($millions) | 3.0199% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3604% | 386 |
| Loan loss allowance to noncurrent loans | 193.2950% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 9.1513% | 166 |
| Noncurrent loans to loans | 1.7385% | 2,583 |
| Net loans and leases to total assets | 68.6338% | 2,210 |
| Net loans and leases to deposits | 73.3864% | 3,337 |
| Net loans and leases to core deposits | 75.0375% | 3,727 |
| Total domestic deposits to total assets | 93.5238% | 92 |
| Equity capital to assets | 5.9653% | 6,701 |
| Core capital (leverage) ratio | 5.9722% | 6,722 |
| Tier 1 risk-based capital ratio | 8.0133% | 6,766 |
| Total risk-based capital ratio | 9.2935% | 6,766 |
| Memoranda: | ||
| Average total assets | $43,954,750 | 6,245 |
| Average earning assets | $38,624,750 | 6,280 |
| Average equity | $2,872,250 | 6,629 |
| Average total loans | $29,554,500 | 5,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 2,833 |
| Cost of funding earning assets | 0.6624% | 2,386 |
| Net interest margin | 3.6663% | 3,097 |
| Noninterest income to average assets | 0.1528% | 6,284 |
| Noninterest expense to average assets | 7.1933% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.8325% | 6,916 |
| Return on assets (ROA) | -3.8325% | 6,915 |
| Pretax return on assets | -3.8325% | 6,912 |
| Return on Equity (ROE) | -57.0759% | 6,915 |
| Retained earnings to average equity (ytd only) | -57.0759% | 6,911 |
| Net charge-offs to loans | 2.2111% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.6246% | 4,785 |
| Efficiency ratio | 214.0374% | 27 |
| Assets per employee ($millions) | 3.3979% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1083% | 524 |
| Loan loss allowance to noncurrent loans | 178.2374% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 9.5420% | 162 |
| Noncurrent loans to loans | 1.7439% | 2,709 |
| Net loans and leases to total assets | 69.9319% | 1,898 |
| Net loans and leases to deposits | 74.5205% | 3,074 |
| Net loans and leases to core deposits | 77.2352% | 3,395 |
| Total domestic deposits to total assets | 93.8424% | 69 |
| Equity capital to assets | 5.6777% | 6,770 |
| Core capital (leverage) ratio | 5.7442% | 6,773 |
| Tier 1 risk-based capital ratio | 7.1295% | 6,839 |
| Total risk-based capital ratio | 8.3990% | 6,838 |
| Memoranda: | ||
| Average total assets | $44,513,670 | 6,275 |
| Average earning assets | $38,949,670 | 6,316 |
| Average equity | $2,989,000 | 6,657 |
| Average total loans | $29,397,330 | 5,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 3,316 |
| Cost of funding earning assets | 0.6671% | 2,508 |
| Net interest margin | 3.5305% | 3,568 |
| Noninterest income to average assets | 0.1522% | 6,343 |
| Noninterest expense to average assets | 5.6665% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.4349% | 6,941 |
| Return on assets (ROA) | -2.4349% | 6,942 |
| Pretax return on assets | -2.4349% | 6,934 |
| Return on Equity (ROE) | -33.6894% | 6,939 |
| Retained earnings to average equity (ytd only) | -33.6894% | 6,912 |
| Net charge-offs to loans | 2.5715% | 156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.5028% | 3,998 |
| Efficiency ratio | 175.3463% | 56 |
| Assets per employee ($millions) | 3.9941% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1309% | 253 |
| Loan loss allowance to noncurrent loans | 177.3438% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 10.4473% | 173 |
| Noncurrent loans to loans | 2.3293% | 2,250 |
| Net loans and leases to total assets | 59.9545% | 3,431 |
| Net loans and leases to deposits | 64.8617% | 4,201 |
| Net loans and leases to core deposits | 67.2685% | 4,380 |
| Total domestic deposits to total assets | 92.4343% | 183 |
| Equity capital to assets | 7.0445% | 6,703 |
| Core capital (leverage) ratio | 6.8584% | 6,681 |
| Tier 1 risk-based capital ratio | 9.6107% | 6,749 |
| Total risk-based capital ratio | 10.8804% | 6,729 |
| Memoranda: | ||
| Average total assets | $44,684,000 | 6,324 |
| Average earning assets | $38,974,500 | 6,367 |
| Average equity | $3,229,500 | 6,672 |
| Average total loans | $28,155,000 | 5,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 4,262 |
| Cost of funding earning assets | 0.6958% | 3,521 |
| Net interest margin | 3.5877% | 4,139 |
| Noninterest income to average assets | -0.1217% | 6,931 |
| Noninterest expense to average assets | 4.6397% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.6352% | 6,886 |
| Return on assets (ROA) | -1.6352% | 6,899 |
| Pretax return on assets | -1.6352% | 6,882 |
| Return on Equity (ROE) | -21.2601% | 6,897 |
| Retained earnings to average equity (ytd only) | -21.2601% | 6,868 |
| Net charge-offs to loans | 0.7977% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -3.4629% | 5,885 |
| Efficiency ratio | 154.4269% | 83 |
| Assets per employee ($millions) | 3.7861% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5641% | 178 |
| Loan loss allowance to noncurrent loans | 125.6925% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 11.8988% | 147 |
| Noncurrent loans to loans | 3.6311% | 1,350 |
| Net loans and leases to total assets | 60.5683% | 3,503 |
| Net loans and leases to deposits | 65.7775% | 4,318 |
| Net loans and leases to core deposits | 67.7166% | 4,569 |
| Total domestic deposits to total assets | 92.0806% | 235 |
| Equity capital to assets | 7.4043% | 6,669 |
| Core capital (leverage) ratio | 7.1255% | 6,659 |
| Tier 1 risk-based capital ratio | 10.0838% | 6,680 |
| Total risk-based capital ratio | 11.3683% | 6,640 |
| Memoranda: | ||
| Average total assets | $48,494,800 | 6,255 |
| Average earning assets | $42,256,000 | 6,300 |
| Average equity | $3,730,000 | 6,628 |
| Average total loans | $28,708,200 | 6,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 4,717 |
| Cost of funding earning assets | 0.6985% | 3,780 |
| Net interest margin | 3.5297% | 4,530 |
| Noninterest income to average assets | -0.2084% | 7,072 |
| Noninterest expense to average assets | 4.4876% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.6186% | 6,990 |
| Return on assets (ROA) | -1.6186% | 6,997 |
| Pretax return on assets | -1.6186% | 6,974 |
| Return on Equity (ROE) | -20.8638% | 7,001 |
| Retained earnings to average equity (ytd only) | -20.8638% | 6,986 |
| Net charge-offs to loans | 0.7346% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -3.7848% | 5,688 |
| Efficiency ratio | 156.4151% | 76 |
| Assets per employee ($millions) | 4.3925% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9300% | 153 |
| Loan loss allowance to noncurrent loans | 81.0637% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 12.5626% | 144 |
| Noncurrent loans to loans | 6.0816% | 663 |
| Net loans and leases to total assets | 55.3562% | 4,543 |
| Net loans and leases to deposits | 60.0651% | 5,200 |
| Net loans and leases to core deposits | 62.0811% | 5,352 |
| Total domestic deposits to total assets | 92.1603% | 194 |
| Equity capital to assets | 7.3285% | 6,809 |
| Core capital (leverage) ratio | 7.3991% | 6,668 |
| Tier 1 risk-based capital ratio | 10.4195% | 6,694 |
| Total risk-based capital ratio | 11.7050% | 6,662 |
| Memoranda: | ||
| Average total assets | $49,260,250 | 6,309 |
| Average earning assets | $42,949,000 | 6,344 |
| Average equity | $3,821,500 | 6,689 |
| Average total loans | $28,676,750 | 6,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 4,775 |
| Cost of funding earning assets | 0.7047% | 3,975 |
| Net interest margin | 3.5420% | 4,497 |
| Noninterest income to average assets | -0.3510% | 7,168 |
| Noninterest expense to average assets | 4.4862% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.7549% | 7,047 |
| Return on assets (ROA) | -1.7549% | 7,062 |
| Pretax return on assets | -1.7549% | 7,042 |
| Return on Equity (ROE) | -22.2222% | 7,054 |
| Retained earnings to average equity (ytd only) | -22.2222% | 7,032 |
| Net charge-offs to loans | 1.2752% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.3641% | 5,395 |
| Efficiency ratio | 164.2541% | 75 |
| Assets per employee ($millions) | 4.3725% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8063% | 192 |
| Loan loss allowance to noncurrent loans | 78.9443% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 12.6471% | 157 |
| Noncurrent loans to loans | 6.0882% | 715 |
| Net loans and leases to total assets | 56.0439% | 4,461 |
| Net loans and leases to deposits | 61.0707% | 5,120 |
| Net loans and leases to core deposits | 62.2871% | 5,362 |
| Total domestic deposits to total assets | 91.7689% | 265 |
| Equity capital to assets | 7.7155% | 6,707 |
| Core capital (leverage) ratio | 7.7802% | 6,464 |
| Tier 1 risk-based capital ratio | 11.3230% | 6,333 |
| Total risk-based capital ratio | 12.6096% | 6,282 |
| Memoranda: | ||
| Average total assets | $49,574,330 | 6,329 |
| Average earning assets | $43,140,000 | 6,376 |
| Average equity | $3,915,000 | 6,709 |
| Average total loans | $28,857,670 | 6,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,785 |
| Cost of funding earning assets | 0.7147% | 4,156 |
| Net interest margin | 3.5734% | 4,379 |
| Noninterest income to average assets | -0.5168% | 7,254 |
| Noninterest expense to average assets | 4.5476% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.9637% | 7,151 |
| Return on assets (ROA) | -1.9637% | 7,152 |
| Pretax return on assets | -1.9637% | 7,135 |
| Return on Equity (ROE) | -24.5955% | 7,142 |
| Retained earnings to average equity (ytd only) | -24.5955% | 7,095 |
| Net charge-offs to loans | 2.1560% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.5732% | 4,597 |
| Efficiency ratio | 176.0000% | 62 |
| Assets per employee ($millions) | 4.4692% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6742% | 223 |
| Loan loss allowance to noncurrent loans | 77.6721% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 12.8008% | 172 |
| Noncurrent loans to loans | 6.0178% | 836 |
| Net loans and leases to total assets | 57.5802% | 4,116 |
| Net loans and leases to deposits | 62.8919% | 4,784 |
| Net loans and leases to core deposits | 64.1141% | 5,101 |
| Total domestic deposits to total assets | 91.5543% | 363 |
| Equity capital to assets | 7.9168% | 6,575 |
| Core capital (leverage) ratio | 7.6955% | 6,492 |
| Tier 1 risk-based capital ratio | 11.5113% | 6,276 |
| Total risk-based capital ratio | 12.7975% | 6,226 |
| Memoranda: | ||
| Average total assets | $50,312,500 | 6,364 |
| Average earning assets | $43,656,500 | 6,404 |
| Average equity | $4,017,000 | 6,708 |
| Average total loans | $29,128,000 | 6,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 3,416 |
| Cost of funding earning assets | 0.9689% | 3,585 |
| Net interest margin | 3.9198% | 3,258 |
| Noninterest income to average assets | 0.0853% | 6,700 |
| Noninterest expense to average assets | 4.3066% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.7698% | 6,640 |
| Return on assets (ROA) | -0.7698% | 6,672 |
| Pretax return on assets | -0.7698% | 6,631 |
| Return on Equity (ROE) | -10.8464% | 6,758 |
| Retained earnings to average equity (ytd only) | -10.8464% | 6,723 |
| Net charge-offs to loans | 0.6494% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -1.9179% | 6,273 |
| Efficiency ratio | 121.7654% | 296 |
| Assets per employee ($millions) | 4.6785% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4095% | 135 |
| Loan loss allowance to noncurrent loans | 175.9681% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 12.1697% | 202 |
| Noncurrent loans to loans | 3.0741% | 2,103 |
| Net loans and leases to total assets | 52.4949% | 5,236 |
| Net loans and leases to deposits | 57.3990% | 5,762 |
| Net loans and leases to core deposits | 58.1452% | 5,991 |
| Total domestic deposits to total assets | 91.4562% | 344 |
| Equity capital to assets | 8.0483% | 6,539 |
| Core capital (leverage) ratio | 8.0567% | 6,197 |
| Tier 1 risk-based capital ratio | 12.2248% | 5,666 |
| Total risk-based capital ratio | 13.5166% | 5,609 |
| Memoranda: | ||
| Average total assets | $51,571,600 | 6,314 |
| Average earning assets | $45,410,000 | 6,347 |
| Average equity | $3,660,200 | 6,838 |
| Average total loans | $31,874,800 | 6,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 2,707 |
| Cost of funding earning assets | 1.0306% | 3,460 |
| Net interest margin | 4.0496% | 2,692 |
| Noninterest income to average assets | 0.0775% | 6,850 |
| Noninterest expense to average assets | 4.4109% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.7494% | 6,776 |
| Return on assets (ROA) | -0.7494% | 6,812 |
| Pretax return on assets | -0.7494% | 6,758 |
| Return on Equity (ROE) | -10.9234% | 6,918 |
| Retained earnings to average equity (ytd only) | -10.9234% | 6,885 |
| Net charge-offs to loans | 0.9540% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.2393% | 5,960 |
| Efficiency ratio | 120.4658% | 303 |
| Assets per employee ($millions) | 4.0769% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1311% | 162 |
| Loan loss allowance to noncurrent loans | 112.2690% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 12.7302% | 198 |
| Noncurrent loans to loans | 4.5703% | 1,411 |
| Net loans and leases to total assets | 57.4065% | 4,604 |
| Net loans and leases to deposits | 62.9172% | 5,301 |
| Net loans and leases to core deposits | 64.1430% | 5,596 |
| Total domestic deposits to total assets | 91.2413% | 366 |
| Equity capital to assets | 8.6749% | 6,108 |
| Core capital (leverage) ratio | 8.2909% | 5,989 |
| Tier 1 risk-based capital ratio | 12.3476% | 5,623 |
| Total risk-based capital ratio | 13.6373% | 5,580 |
| Memoranda: | ||
| Average total assets | $51,598,500 | 6,374 |
| Average earning assets | $45,665,500 | 6,396 |
| Average equity | $3,539,750 | 6,926 |
| Average total loans | $32,703,250 | 6,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 2,349 |
| Cost of funding earning assets | 1.0762% | 3,419 |
| Net interest margin | 4.1032% | 2,396 |
| Noninterest income to average assets | 0.2858% | 5,595 |
| Noninterest expense to average assets | 4.2865% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3544% | 6,582 |
| Return on assets (ROA) | -0.3544% | 6,612 |
| Pretax return on assets | -0.3544% | 6,567 |
| Return on Equity (ROE) | -5.6278% | 6,751 |
| Retained earnings to average equity (ytd only) | -5.6278% | 6,616 |
| Net charge-offs to loans | 1.8852% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.2925% | 5,450 |
| Efficiency ratio | 109.0116% | 493 |
| Assets per employee ($millions) | 4.3494% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7328% | 226 |
| Loan loss allowance to noncurrent loans | 117.2386% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 11.8215% | 269 |
| Noncurrent loans to loans | 4.0369% | 1,715 |
| Net loans and leases to total assets | 55.3427% | 5,096 |
| Net loans and leases to deposits | 60.5746% | 5,663 |
| Net loans and leases to core deposits | 70.3243% | 5,034 |
| Total domestic deposits to total assets | 91.3628% | 376 |
| Equity capital to assets | 8.5050% | 6,174 |
| Core capital (leverage) ratio | 8.4746% | 5,595 |
| Tier 1 risk-based capital ratio | 12.4382% | 5,406 |
| Total risk-based capital ratio | 13.7230% | 5,350 |
| Memoranda: | ||
| Average total assets | $52,490,330 | 6,390 |
| Average earning assets | $46,647,000 | 6,416 |
| Average equity | $3,305,000 | 7,039 |
| Average total loans | $33,736,330 | 6,091 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 3,300 |
| Cost of funding earning assets | 1.1225% | 3,353 |
| Net interest margin | 3.8353% | 3,442 |
| Noninterest income to average assets | 0.3875% | 4,814 |
| Noninterest expense to average assets | 4.4302% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6155% | 6,875 |
| Return on assets (ROA) | -0.6155% | 6,879 |
| Pretax return on assets | -0.6155% | 6,827 |
| Return on Equity (ROE) | -11.8335% | 7,072 |
| Retained earnings to average equity (ytd only) | -11.8335% | 6,935 |
| Net charge-offs to loans | 2.3360% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3913% | 4,761 |
| Efficiency ratio | 116.1355% | 395 |
| Assets per employee ($millions) | 4.2978% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4048% | 307 |
| Loan loss allowance to noncurrent loans | 63.5430% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 13.0747% | 208 |
| Noncurrent loans to loans | 6.9320% | 806 |
| Net loans and leases to total assets | 65.0573% | 3,228 |
| Net loans and leases to deposits | 68.7330% | 4,568 |
| Net loans and leases to core deposits | 79.4939% | 3,822 |
| Total domestic deposits to total assets | 94.6522% | 59 |
| Equity capital to assets | 5.1946% | 7,362 |
| Core capital (leverage) ratio | 5.1901% | 7,340 |
| Tier 1 risk-based capital ratio | 7.0645% | 7,359 |
| Total risk-based capital ratio | 8.3484% | 7,364 |
| Memoranda: | ||
| Average total assets | $52,639,000 | 6,433 |
| Average earning assets | $47,037,000 | 6,451 |
| Average equity | $2,738,000 | 7,238 |
| Average total loans | $35,444,500 | 6,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 3,817 |
| Cost of funding earning assets | 1.4965% | 2,663 |
| Net interest margin | 3.6603% | 4,529 |
| Noninterest income to average assets | -0.0956% | 7,386 |
| Noninterest expense to average assets | 4.4356% | 693 |
| Loan and lease loss provision to assets | 0.7212% | 2,276 |
| Net operating income to assets | -1.8211% | 7,006 |
| Return on assets (ROA) | -1.8211% | 7,024 |
| Pretax return on assets | -1.8211% | 6,970 |
| Return on Equity (ROE) | -34.4545% | 7,288 |
| Retained earnings to average equity (ytd only) | -34.4545% | 7,277 |
| Net charge-offs to loans | 2.0893% | 958 |
| Credit loss provision to net charge-offs | 48.3092% | 6,289 |
| Earnings coverage of net charge-offs (x) | -0.7367% | 6,535 |
| Efficiency ratio | 132.9730% | 293 |
| Assets per employee ($millions) | 4.4754% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8979% | 204 |
| Loan loss allowance to noncurrent loans | 64.2125% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 13.1086% | 222 |
| Noncurrent loans to loans | 7.6276% | 700 |
| Net loans and leases to total assets | 63.3796% | 3,992 |
| Net loans and leases to deposits | 66.9446% | 5,262 |
| Net loans and leases to core deposits | 84.0880% | 3,584 |
| Total domestic deposits to total assets | 94.6746% | 64 |
| Equity capital to assets | 5.2081% | 7,421 |
| Core capital (leverage) ratio | 5.1313% | 7,408 |
| Tier 1 risk-based capital ratio | 7.2114% | 7,405 |
| Total risk-based capital ratio | 8.5023% | 7,407 |
| Memoranda: | ||
| Average total assets | $55,460,000 | 6,354 |
| Average earning assets | $51,989,600 | 6,289 |
| Average equity | $2,931,400 | 7,290 |
| Average total loans | $39,631,000 | 5,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 4,462 |
| Cost of funding earning assets | 1.5533% | 2,647 |
| Net interest margin | 3.5195% | 5,217 |
| Noninterest income to average assets | -0.1789% | 7,584 |
| Noninterest expense to average assets | 4.3196% | 733 |
| Loan and lease loss provision to assets | 0.9541% | 1,563 |
| Net operating income to assets | -2.1181% | 7,266 |
| Return on assets (ROA) | -2.1181% | 7,282 |
| Pretax return on assets | -2.1181% | 7,227 |
| Return on Equity (ROE) | -39.9315% | 7,490 |
| Retained earnings to average equity (ytd only) | -39.9315% | 7,486 |
| Net charge-offs to loans | 3.2322% | 447 |
| Credit loss provision to net charge-offs | 40.6504% | 6,006 |
| Earnings coverage of net charge-offs (x) | -0.4959% | 6,319 |
| Efficiency ratio | 136.8859% | 264 |
| Assets per employee ($millions) | 4.4953% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5378% | 242 |
| Loan loss allowance to noncurrent loans | 75.6514% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 10.1142% | 401 |
| Noncurrent loans to loans | 5.9984% | 1,041 |
| Net loans and leases to total assets | 62.2794% | 4,465 |
| Net loans and leases to deposits | 66.0130% | 5,666 |
| Net loans and leases to core deposits | 83.4144% | 4,035 |
| Total domestic deposits to total assets | 94.3441% | 61 |
| Equity capital to assets | 5.5094% | 7,532 |
| Core capital (leverage) ratio | 5.3158% | 7,518 |
| Tier 1 risk-based capital ratio | 8.0743% | 7,475 |
| Total risk-based capital ratio | 9.3620% | 7,478 |
| Memoranda: | ||
| Average total assets | $55,898,750 | 6,417 |
| Average earning assets | $52,960,250 | 6,330 |
| Average equity | $2,965,000 | 7,381 |
| Average total loans | $40,591,000 | 5,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 4,554 |
| Cost of funding earning assets | 1.6077% | 2,609 |
| Net interest margin | 3.4736% | 5,349 |
| Noninterest income to average assets | -0.3855% | 7,732 |
| Noninterest expense to average assets | 4.2299% | 782 |
| Loan and lease loss provision to assets | 1.4147% | 942 |
| Net operating income to assets | -2.6985% | 7,460 |
| Return on assets (ROA) | -2.6985% | 7,471 |
| Pretax return on assets | -2.6985% | 7,417 |
| Return on Equity (ROE) | -51.5076% | 7,617 |
| Retained earnings to average equity (ytd only) | -51.5076% | 7,613 |
| Net charge-offs to loans | 4.6284% | 242 |
| Credit loss provision to net charge-offs | 40.7747% | 5,599 |
| Earnings coverage of net charge-offs (x) | -0.3700% | 5,963 |
| Efficiency ratio | 143.5774% | 233 |
| Assets per employee ($millions) | 5.5904% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0535% | 358 |
| Loan loss allowance to noncurrent loans | 32.6131% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 9.7345% | 432 |
| Noncurrent loans to loans | 12.4291% | 258 |
| Net loans and leases to total assets | 67.7447% | 3,444 |
| Net loans and leases to deposits | 71.5119% | 5,072 |
| Net loans and leases to core deposits | 105.0453% | 1,529 |
| Total domestic deposits to total assets | 94.7320% | 54 |
| Equity capital to assets | 5.1374% | 7,623 |
| Core capital (leverage) ratio | 4.9275% | 7,613 |
| Tier 1 risk-based capital ratio | 7.4497% | 7,562 |
| Total risk-based capital ratio | 8.7362% | 7,567 |
| Memoranda: | ||
| Average total assets | $56,550,330 | 6,444 |
| Average earning assets | $54,237,330 | 6,313 |
| Average equity | $2,962,670 | 7,423 |
| Average total loans | $42,390,330 | 5,938 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 3,693 |
| Cost of funding earning assets | 1.6556% | 2,620 |
| Net interest margin | 3.6129% | 4,670 |
| Noninterest income to average assets | -0.1196% | 7,765 |
| Noninterest expense to average assets | 4.3324% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.9987% | 7,104 |
| Return on assets (ROA) | -0.9987% | 7,128 |
| Pretax return on assets | -0.9987% | 7,048 |
| Return on Equity (ROE) | -18.8830% | 7,416 |
| Retained earnings to average equity (ytd only) | -18.8830% | 7,344 |
| Net charge-offs to loans | 2.4082% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.5379% | 5,293 |
| Efficiency ratio | 129.9578% | 336 |
| Assets per employee ($millions) | 5.6240% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4804% | 258 |
| Loan loss allowance to noncurrent loans | 46.3940% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 8.6060% | 545 |
| Noncurrent loans to loans | 9.6574% | 449 |
| Net loans and leases to total assets | 72.6689% | 2,291 |
| Net loans and leases to deposits | 76.8388% | 4,248 |
| Net loans and leases to core deposits | 135.8451% | 384 |
| Total domestic deposits to total assets | 94.5733% | 57 |
| Equity capital to assets | 5.2916% | 7,693 |
| Core capital (leverage) ratio | 5.2678% | 7,681 |
| Tier 1 risk-based capital ratio | 7.2173% | 7,680 |
| Total risk-based capital ratio | 8.5109% | 7,679 |
| Memoranda: | ||
| Average total assets | $56,873,500 | 6,507 |
| Average earning assets | $54,361,000 | 6,384 |
| Average equity | $3,008,000 | 7,493 |
| Average total loans | $43,849,500 | 5,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 5,326 |
| Cost of funding earning assets | 2.1945% | 2,063 |
| Net interest margin | 3.0742% | 6,456 |
| Noninterest income to average assets | 0.1048% | 7,241 |
| Noninterest expense to average assets | 4.0430% | 1,303 |
| Loan and lease loss provision to assets | 2.6629% | 718 |
| Net operating income to assets | -3.7347% | 7,561 |
| Return on assets (ROA) | -3.7347% | 7,564 |
| Pretax return on assets | -3.7347% | 7,471 |
| Return on Equity (ROE) | -61.5229% | 7,763 |
| Retained earnings to average equity (ytd only) | -61.5229% | 7,760 |
| Net charge-offs to loans | 1.9310% | 1,283 |
| Credit loss provision to net charge-offs | 178.6145% | 2,336 |
| Earnings coverage of net charge-offs (x) | -0.7189% | 6,816 |
| Efficiency ratio | 136.0705% | 414 |
| Assets per employee ($millions) | 5.7507% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8561% | 189 |
| Loan loss allowance to noncurrent loans | 45.4186% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 11.3482% | 283 |
| Noncurrent loans to loans | 10.6918% | 360 |
| Net loans and leases to total assets | 74.3075% | 2,195 |
| Net loans and leases to deposits | 78.6179% | 4,254 |
| Net loans and leases to core deposits | 163.4736% | 306 |
| Total domestic deposits to total assets | 94.5172% | 62 |
| Equity capital to assets | 5.2863% | 7,760 |
| Core capital (leverage) ratio | 5.0664% | 7,764 |
| Tier 1 risk-based capital ratio | 6.8137% | 7,766 |
| Total risk-based capital ratio | 8.1106% | 7,766 |
| Memoranda: | ||
| Average total assets | $66,806,400 | 6,116 |
| Average earning assets | $62,293,000 | 6,053 |
| Average equity | $4,055,400 | 7,266 |
| Average total loans | $51,578,400 | 5,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 5,301 |
| Cost of funding earning assets | 2.3017% | 1,980 |
| Net interest margin | 3.0240% | 6,538 |
| Noninterest income to average assets | 0.1157% | 7,318 |
| Noninterest expense to average assets | 4.1003% | 1,148 |
| Loan and lease loss provision to assets | 3.4311% | 392 |
| Net operating income to assets | -4.6056% | 7,804 |
| Return on assets (ROA) | -4.6056% | 7,807 |
| Pretax return on assets | -4.6056% | 7,768 |
| Return on Equity (ROE) | -73.8857% | 7,943 |
| Retained earnings to average equity (ytd only) | -73.8857% | 7,942 |
| Net charge-offs to loans | 2.3388% | 797 |
| Credit loss provision to net charge-offs | 190.4711% | 2,384 |
| Earnings coverage of net charge-offs (x) | -0.6520% | 6,542 |
| Efficiency ratio | 140.1450% | 383 |
| Assets per employee ($millions) | 5.5902% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6466% | 183 |
| Loan loss allowance to noncurrent loans | 48.2055% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 9.5281% | 380 |
| Noncurrent loans to loans | 9.6391% | 424 |
| Net loans and leases to total assets | 74.8536% | 2,279 |
| Net loans and leases to deposits | 79.1692% | 4,538 |
| Net loans and leases to core deposits | 157.3749% | 430 |
| Total domestic deposits to total assets | 94.5489% | 41 |
| Equity capital to assets | 5.1080% | 7,942 |
| Core capital (leverage) ratio | 4.7695% | 7,937 |
| Tier 1 risk-based capital ratio | 6.5890% | 7,928 |
| Total risk-based capital ratio | 7.8831% | 7,929 |
| Memoranda: | ||
| Average total assets | $69,131,250 | 6,069 |
| Average earning assets | $64,239,500 | 6,028 |
| Average equity | $4,309,250 | 7,247 |
| Average total loans | $53,244,750 | 5,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 5,630 |
| Cost of funding earning assets | 2.4181% | 1,887 |
| Net interest margin | 2.8878% | 6,832 |
| Noninterest income to average assets | 0.2483% | 6,506 |
| Noninterest expense to average assets | 4.0431% | 1,257 |
| Loan and lease loss provision to assets | 4.9639% | 209 |
| Net operating income to assets | -6.0995% | 8,007 |
| Return on assets (ROA) | -6.0995% | 7,998 |
| Pretax return on assets | -6.0995% | 7,953 |
| Return on Equity (ROE) | -93.0476% | 8,067 |
| Retained earnings to average equity (ytd only) | -93.0476% | 8,066 |
| Net charge-offs to loans | 3.2057% | 503 |
| Credit loss provision to net charge-offs | 202.1591% | 2,252 |
| Earnings coverage of net charge-offs (x) | -0.4625% | 6,056 |
| Efficiency ratio | 139.0595% | 442 |
| Assets per employee ($millions) | 4.0885% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3190% | 202 |
| Loan loss allowance to noncurrent loans | 40.1925% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 10.4027% | 261 |
| Noncurrent loans to loans | 10.7457% | 297 |
| Net loans and leases to total assets | 77.7898% | 1,798 |
| Net loans and leases to deposits | 82.2403% | 4,186 |
| Net loans and leases to core deposits | 150.4820% | 639 |
| Total domestic deposits to total assets | 94.5885% | 46 |
| Equity capital to assets | 5.0339% | 8,035 |
| Core capital (leverage) ratio | 4.4741% | 8,055 |
| Tier 1 risk-based capital ratio | 6.2339% | 8,047 |
| Total risk-based capital ratio | 7.5228% | 8,052 |
| Memoranda: | ||
| Average total assets | $71,677,670 | 6,038 |
| Average earning assets | $66,002,670 | 6,007 |
| Average equity | $4,698,670 | 7,173 |
| Average total loans | $54,902,330 | 5,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 4,638 |
| Cost of funding earning assets | 2.4572% | 2,082 |
| Net interest margin | 3.0936% | 6,219 |
| Noninterest income to average assets | 0.2192% | 6,724 |
| Noninterest expense to average assets | 3.8926% | 1,318 |
| Loan and lease loss provision to assets | 0.2673% | 3,821 |
| Net operating income to assets | -1.1336% | 7,325 |
| Return on assets (ROA) | -1.1336% | 7,336 |
| Pretax return on assets | -1.1336% | 7,216 |
| Return on Equity (ROE) | -15.6993% | 7,636 |
| Retained earnings to average equity (ytd only) | -15.6993% | 7,475 |
| Net charge-offs to loans | 0.6241% | 1,926 |
| Credit loss provision to net charge-offs | 57.4713% | 4,559 |
| Earnings coverage of net charge-offs (x) | -1.8621% | 5,463 |
| Efficiency ratio | 128.6219% | 513 |
| Assets per employee ($millions) | 5.0295% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 766 |
| Loan loss allowance to noncurrent loans | 27.6479% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 7.0944% | 473 |
| Noncurrent loans to loans | 9.0434% | 354 |
| Net loans and leases to total assets | 65.9024% | 4,606 |
| Net loans and leases to deposits | 70.7739% | 5,893 |
| Net loans and leases to core deposits | 141.7237% | 1,025 |
| Total domestic deposits to total assets | 93.1169% | 77 |
| Equity capital to assets | 6.5861% | 7,841 |
| Core capital (leverage) ratio | 7.0077% | 7,628 |
| Tier 1 risk-based capital ratio | 9.7529% | 7,201 |
| Total risk-based capital ratio | 11.0178% | 7,086 |
| Memoranda: | ||
| Average total assets | $74,808,500 | 5,980 |
| Average earning assets | $67,883,000 | 5,980 |
| Average equity | $5,401,500 | 6,972 |
| Average total loans | $55,761,500 | 5,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9794% | 1,188 |
| Cost of funding earning assets | 2.8636% | 2,423 |
| Net interest margin | 4.1159% | 2,643 |
| Noninterest income to average assets | 0.2913% | 6,381 |
| Noninterest expense to average assets | 4.6799% | 776 |
| Loan and lease loss provision to assets | 3.0319% | 301 |
| Net operating income to assets | -3.7005% | 7,942 |
| Return on assets (ROA) | -3.7005% | 7,919 |
| Pretax return on assets | -3.5963% | 7,824 |
| Return on Equity (ROE) | -35.0426% | 8,023 |
| Retained earnings to average equity (ytd only) | -35.0426% | 7,989 |
| Net charge-offs to loans | 2.9889% | 300 |
| Credit loss provision to net charge-offs | 119.8687% | 4,486 |
| Earnings coverage of net charge-offs (x) | -0.2232% | 6,383 |
| Efficiency ratio | 113.7147% | 637 |
| Assets per employee ($millions) | 4.0674% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 723 |
| Loan loss allowance to noncurrent loans | 34.3911% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 7.0215% | 375 |
| Noncurrent loans to loans | 7.1154% | 423 |
| Net loans and leases to total assets | 80.6016% | 1,524 |
| Net loans and leases to deposits | 87.9775% | 3,810 |
| Net loans and leases to core deposits | 151.9121% | 786 |
| Total domestic deposits to total assets | 91.6162% | 188 |
| Equity capital to assets | 7.9586% | 6,899 |
| Core capital (leverage) ratio | 8.3231% | 5,909 |
| Tier 1 risk-based capital ratio | 9.6204% | 7,186 |
| Total risk-based capital ratio | 10.8862% | 7,055 |
| Memoranda: | ||
| Average total assets | $66,262,200 | 6,150 |
| Average earning assets | $61,566,600 | 6,106 |
| Average equity | $6,997,200 | 6,453 |
| Average total loans | $56,074,200 | 5,444 |