Home > Edgebrook Bank > Performance and Condition Ratios
Edgebrook 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 | 3.8577% | 3,792 |
| Cost of funding earning assets | 0.8131% | 468 |
| Net interest margin | 3.0446% | 5,093 |
| Noninterest income to average assets | 0.3283% | 4,563 |
| Noninterest expense to average assets | 7.5161% | 132 |
| Loan and lease loss provision to assets | 14.8378% | 1 |
| Net operating income to assets | -19.1790% | 6,419 |
| Return on assets (ROA) | -19.1790% | 6,419 |
| Pretax return on assets | -19.1790% | 6,419 |
| Return on Equity (ROE) | -1,028.9687% | 6,419 |
| Retained earnings to average equity (ytd only) | -1,028.9687% | 6,419 |
| Net charge-offs to loans | 11.4578% | 4 |
| Credit loss provision to net charge-offs | 156.9210% | 1,217 |
| Earnings coverage of net charge-offs (x) | -0.4591% | 3,147 |
| Efficiency ratio | 236.7347% | 14 |
| Assets per employee ($millions) | 6.0023% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3201% | 98 |
| Loan loss allowance to noncurrent loans | 29.1849% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 16.9403% | 19 |
| Noncurrent loans to loans | 14.8026% | 26 |
| Net loans and leases to total assets | 78.7414% | 832 |
| Net loans and leases to deposits | 78.7650% | 2,708 |
| Net loans and leases to core deposits | 81.5220% | 3,003 |
| Total domestic deposits to total assets | 99.9700% | 1 |
| Equity capital to assets | -0.5020% | 6,418 |
| Core capital (leverage) ratio | -0.5033% | 6,419 |
| Tier 1 risk-based capital ratio | -0.6557% | 6,419 |
| Total risk-based capital ratio | 0.6354% | 6,419 |
| Memoranda: | ||
| Average total assets | $92,601,500 | 4,756 |
| Average earning assets | $86,579,500 | 4,706 |
| Average equity | $1,726,000 | 6,353 |
| Average total loans | $76,419,500 | 4,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 221 |
| Cost of funding earning assets | 0.7722% | 754 |
| Net interest margin | 4.9435% | 331 |
| Noninterest income to average assets | 0.3024% | 4,950 |
| Noninterest expense to average assets | 4.9937% | 306 |
| Loan and lease loss provision to assets | -0.9964% | 6,491 |
| Net operating income to assets | 0.9824% | 2,470 |
| Return on assets (ROA) | 0.9824% | 2,546 |
| Pretax return on assets | 0.9824% | 3,569 |
| Return on Equity (ROE) | 29.7821% | 59 |
| Retained earnings to average equity (ytd only) | 29.7821% | 24 |
| Net charge-offs to loans | 0.6101% | 645 |
| Credit loss provision to net charge-offs | -197.4414% | 5,621 |
| Earnings coverage of net charge-offs (x) | -0.0277% | 4,717 |
| Efficiency ratio | 100.2809% | 357 |
| Assets per employee ($millions) | 5.9481% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4827% | 559 |
| Loan loss allowance to noncurrent loans | 31.2400% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 11.0845% | 71 |
| Noncurrent loans to loans | 7.9473% | 117 |
| Net loans and leases to total assets | 80.6870% | 649 |
| Net loans and leases to deposits | 84.4531% | 2,163 |
| Net loans and leases to core deposits | 87.1266% | 2,601 |
| Total domestic deposits to total assets | 95.5406% | 16 |
| Equity capital to assets | 4.1022% | 6,477 |
| Core capital (leverage) ratio | 4.1073% | 6,476 |
| Tier 1 risk-based capital ratio | 5.2501% | 6,485 |
| Total risk-based capital ratio | 6.5176% | 6,485 |
| Memoranda: | ||
| Average total assets | $92,936,600 | 4,772 |
| Average earning assets | $87,934,400 | 4,699 |
| Average equity | $3,065,600 | 6,258 |
| Average total loans | $76,867,000 | 3,974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 214 |
| Cost of funding earning assets | 0.7646% | 824 |
| Net interest margin | 4.9821% | 309 |
| Noninterest income to average assets | 0.2901% | 5,124 |
| Noninterest expense to average assets | 4.7369% | 372 |
| Loan and lease loss provision to assets | -1.2254% | 6,577 |
| Net operating income to assets | 1.4996% | 947 |
| Return on assets (ROA) | 1.4996% | 976 |
| Pretax return on assets | 1.4996% | 1,649 |
| Return on Equity (ROE) | 48.5049% | 14 |
| Retained earnings to average equity (ytd only) | 48.5049% | 6 |
| Net charge-offs to loans | 0.1763% | 2,041 |
| Credit loss provision to net charge-offs | -840.5941% | 5,846 |
| Earnings coverage of net charge-offs (x) | 1.8813% | 4,053 |
| Efficiency ratio | 94.5276% | 571 |
| Assets per employee ($millions) | 5.9238% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0821% | 328 |
| Loan loss allowance to noncurrent loans | 41.4007% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 9.8437% | 94 |
| Noncurrent loans to loans | 7.4446% | 148 |
| Net loans and leases to total assets | 79.6246% | 753 |
| Net loans and leases to deposits | 83.2798% | 2,257 |
| Net loans and leases to core deposits | 85.6794% | 2,697 |
| Total domestic deposits to total assets | 95.6109% | 16 |
| Equity capital to assets | 4.0314% | 6,552 |
| Core capital (leverage) ratio | 4.0812% | 6,550 |
| Tier 1 risk-based capital ratio | 5.4422% | 6,558 |
| Total risk-based capital ratio | 6.7192% | 6,559 |
| Memoranda: | ||
| Average total assets | $92,378,500 | 4,831 |
| Average earning assets | $87,538,250 | 4,753 |
| Average equity | $2,856,000 | 6,369 |
| Average total loans | $76,397,750 | 4,016 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5742% | 272 |
| Cost of funding earning assets | 0.7558% | 898 |
| Net interest margin | 4.8183% | 401 |
| Noninterest income to average assets | 0.2730% | 5,247 |
| Noninterest expense to average assets | 4.4945% | 456 |
| Loan and lease loss provision to assets | -0.8037% | 6,621 |
| Net operating income to assets | 1.1488% | 1,761 |
| Return on assets (ROA) | 1.1488% | 1,842 |
| Pretax return on assets | 1.1488% | 2,890 |
| Return on Equity (ROE) | 41.5100% | 29 |
| Retained earnings to average equity (ytd only) | 41.5100% | 18 |
| Net charge-offs to loans | 0.2687% | 1,473 |
| Credit loss provision to net charge-offs | -360.7843% | 5,505 |
| Earnings coverage of net charge-offs (x) | 1.5490% | 3,777 |
| Efficiency ratio | 92.8700% | 705 |
| Assets per employee ($millions) | 6.2407% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6599% | 222 |
| Loan loss allowance to noncurrent loans | 55.7168% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 9.1133% | 112 |
| Noncurrent loans to loans | 6.5688% | 205 |
| Net loans and leases to total assets | 80.9849% | 578 |
| Net loans and leases to deposits | 84.1931% | 2,018 |
| Net loans and leases to core deposits | 86.6955% | 2,449 |
| Total domestic deposits to total assets | 96.1895% | 14 |
| Equity capital to assets | 3.4900% | 6,622 |
| Core capital (leverage) ratio | 3.6128% | 6,621 |
| Tier 1 risk-based capital ratio | 4.7711% | 6,628 |
| Total risk-based capital ratio | 6.0567% | 6,629 |
| Memoranda: | ||
| Average total assets | $91,577,670 | 4,887 |
| Average earning assets | $86,793,330 | 4,813 |
| Average equity | $2,534,330 | 6,474 |
| Average total loans | $75,907,330 | 4,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 554 |
| Cost of funding earning assets | 0.7656% | 900 |
| Net interest margin | 4.3740% | 853 |
| Noninterest income to average assets | 0.2385% | 5,452 |
| Noninterest expense to average assets | 6.2322% | 175 |
| Loan and lease loss provision to assets | 0.2562% | 836 |
| Net operating income to assets | -2.1113% | 6,664 |
| Return on assets (ROA) | -2.1113% | 6,661 |
| Pretax return on assets | -2.1113% | 6,647 |
| Return on Equity (ROE) | -88.1919% | 6,717 |
| Retained earnings to average equity (ytd only) | -88.1919% | 6,711 |
| Net charge-offs to loans | 0.5475% | 673 |
| Credit loss provision to net charge-offs | 56.8627% | 2,136 |
| Earnings coverage of net charge-offs (x) | -4.1176% | 3,568 |
| Efficiency ratio | 142.3814% | 81 |
| Assets per employee ($millions) | 5.7989% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3599% | 141 |
| Loan loss allowance to noncurrent loans | 64.2191% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 9.1579% | 129 |
| Noncurrent loans to loans | 6.7891% | 238 |
| Net loans and leases to total assets | 78.1619% | 757 |
| Net loans and leases to deposits | 80.5529% | 2,220 |
| Net loans and leases to core deposits | 83.2006% | 2,617 |
| Total domestic deposits to total assets | 97.0318% | 12 |
| Equity capital to assets | 2.3000% | 6,706 |
| Core capital (leverage) ratio | 2.4347% | 6,708 |
| Tier 1 risk-based capital ratio | 3.3734% | 6,713 |
| Total risk-based capital ratio | 4.6690% | 6,713 |
| Memoranda: | ||
| Average total assets | $90,561,500 | 4,954 |
| Average earning assets | $85,687,500 | 4,874 |
| Average equity | $2,168,000 | 6,579 |
| Average total loans | $74,516,000 | 4,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1809% | 670 |
| Cost of funding earning assets | 0.8348% | 1,024 |
| Net interest margin | 4.3461% | 1,009 |
| Noninterest income to average assets | 0.1786% | 6,013 |
| Noninterest expense to average assets | 4.3793% | 584 |
| Loan and lease loss provision to assets | 2.4101% | 30 |
| Net operating income to assets | -2.4670% | 6,735 |
| Return on assets (ROA) | -2.4670% | 6,737 |
| Pretax return on assets | -2.4670% | 6,733 |
| Return on Equity (ROE) | -59.5142% | 6,782 |
| Retained earnings to average equity (ytd only) | -59.5142% | 6,780 |
| Net charge-offs to loans | 0.9601% | 623 |
| Credit loss provision to net charge-offs | 309.7561% | 739 |
| Earnings coverage of net charge-offs (x) | -0.0732% | 5,108 |
| Efficiency ratio | 101.3171% | 442 |
| Assets per employee ($millions) | 5.8893% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5762% | 127 |
| Loan loss allowance to noncurrent loans | 70.7497% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 9.1952% | 146 |
| Noncurrent loans to loans | 6.4681% | 286 |
| Net loans and leases to total assets | 79.0752% | 702 |
| Net loans and leases to deposits | 81.2816% | 2,286 |
| Net loans and leases to core deposits | 83.3691% | 2,736 |
| Total domestic deposits to total assets | 97.2855% | 12 |
| Equity capital to assets | 2.4926% | 6,773 |
| Core capital (leverage) ratio | 2.6787% | 6,779 |
| Tier 1 risk-based capital ratio | 4.2782% | 6,776 |
| Total risk-based capital ratio | 5.5855% | 6,779 |
| Memoranda: | ||
| Average total assets | $89,581,200 | 4,989 |
| Average earning assets | $85,409,600 | 4,897 |
| Average equity | $3,713,400 | 6,389 |
| Average total loans | $72,594,200 | 4,176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 919 |
| Cost of funding earning assets | 0.8339% | 1,132 |
| Net interest margin | 4.1786% | 1,402 |
| Noninterest income to average assets | 0.1661% | 6,191 |
| Noninterest expense to average assets | 4.1278% | 741 |
| Loan and lease loss provision to assets | 0.3263% | 1,017 |
| Net operating income to assets | -0.2966% | 6,523 |
| Return on assets (ROA) | -0.2966% | 6,536 |
| Pretax return on assets | -0.2966% | 6,514 |
| Return on Equity (ROE) | -6.5178% | 6,640 |
| Retained earnings to average equity (ytd only) | -6.5178% | 6,557 |
| Net charge-offs to loans | 0.7417% | 807 |
| Credit loss provision to net charge-offs | 54.5906% | 3,403 |
| Earnings coverage of net charge-offs (x) | 0.0496% | 4,842 |
| Efficiency ratio | 99.2865% | 488 |
| Assets per employee ($millions) | 6.0987% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 1,964 |
| Loan loss allowance to noncurrent loans | 24.6189% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 9.9650% | 139 |
| Noncurrent loans to loans | 7.7680% | 236 |
| Net loans and leases to total assets | 78.7746% | 671 |
| Net loans and leases to deposits | 83.0401% | 1,992 |
| Net loans and leases to core deposits | 84.8979% | 2,553 |
| Total domestic deposits to total assets | 94.8634% | 46 |
| Equity capital to assets | 4.8951% | 6,777 |
| Core capital (leverage) ratio | 5.1311% | 6,781 |
| Tier 1 risk-based capital ratio | 7.9386% | 6,768 |
| Total risk-based capital ratio | 9.2024% | 6,770 |
| Memoranda: | ||
| Average total assets | $89,891,500 | 5,039 |
| Average earning assets | $85,863,000 | 4,932 |
| Average equity | $4,091,250 | 6,379 |
| Average total loans | $72,441,500 | 4,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 1,167 |
| Cost of funding earning assets | 0.8440% | 1,175 |
| Net interest margin | 4.0284% | 1,764 |
| Noninterest income to average assets | 0.1813% | 6,121 |
| Noninterest expense to average assets | 3.7846% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2529% | 5,770 |
| Return on assets (ROA) | 0.2529% | 5,898 |
| Pretax return on assets | 0.2529% | 5,997 |
| Return on Equity (ROE) | 5.7037% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.7037% | 2,609 |
| Net charge-offs to loans | 1.1207% | 530 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2797% | 4,453 |
| Efficiency ratio | 93.7361% | 773 |
| Assets per employee ($millions) | 5.6589% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 1,846 |
| Loan loss allowance to noncurrent loans | 20.7263% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 9.8993% | 148 |
| Noncurrent loans to loans | 9.6518% | 174 |
| Net loans and leases to total assets | 80.2931% | 510 |
| Net loans and leases to deposits | 84.3581% | 1,751 |
| Net loans and leases to core deposits | 86.2548% | 2,306 |
| Total domestic deposits to total assets | 95.1812% | 37 |
| Equity capital to assets | 4.7613% | 6,837 |
| Core capital (leverage) ratio | 4.8894% | 6,836 |
| Tier 1 risk-based capital ratio | 7.5926% | 6,818 |
| Total risk-based capital ratio | 8.8595% | 6,816 |
| Memoranda: | ||
| Average total assets | $89,362,000 | 5,069 |
| Average earning assets | $85,543,670 | 4,962 |
| Average equity | $3,962,330 | 6,459 |
| Average total loans | $72,099,330 | 4,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,331 |
| Cost of funding earning assets | 0.8601% | 1,201 |
| Net interest margin | 3.9198% | 2,051 |
| Noninterest income to average assets | 0.1892% | 6,115 |
| Noninterest expense to average assets | 3.5687% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3785% | 5,216 |
| Return on assets (ROA) | 0.3785% | 5,356 |
| Pretax return on assets | 0.3785% | 5,627 |
| Return on Equity (ROE) | 8.8701% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.8701% | 1,423 |
| Net charge-offs to loans | 1.7225% | 288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2745% | 3,727 |
| Efficiency ratio | 90.4110% | 1,107 |
| Assets per employee ($millions) | 5.9096% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 1,622 |
| Loan loss allowance to noncurrent loans | 21.5326% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 10.3572% | 175 |
| Noncurrent loans to loans | 10.1341% | 205 |
| Net loans and leases to total assets | 80.0009% | 422 |
| Net loans and leases to deposits | 83.8300% | 1,616 |
| Net loans and leases to core deposits | 85.7468% | 2,132 |
| Total domestic deposits to total assets | 95.4323% | 39 |
| Equity capital to assets | 4.4267% | 6,919 |
| Core capital (leverage) ratio | 4.4242% | 6,912 |
| Tier 1 risk-based capital ratio | 6.8805% | 6,903 |
| Total risk-based capital ratio | 8.1499% | 6,906 |
| Memoranda: | ||
| Average total assets | $88,772,000 | 5,135 |
| Average earning assets | $85,105,500 | 5,007 |
| Average equity | $3,788,000 | 6,559 |
| Average total loans | $71,057,500 | 4,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 1,587 |
| Cost of funding earning assets | 1.0964% | 921 |
| Net interest margin | 3.8929% | 2,863 |
| Noninterest income to average assets | 0.1251% | 6,410 |
| Noninterest expense to average assets | 4.4035% | 624 |
| Loan and lease loss provision to assets | 1.3670% | 250 |
| Net operating income to assets | -1.8804% | 6,913 |
| Return on assets (ROA) | -1.8804% | 6,922 |
| Pretax return on assets | -1.8804% | 6,913 |
| Return on Equity (ROE) | -38.1829% | 6,986 |
| Retained earnings to average equity (ytd only) | -38.1829% | 6,976 |
| Net charge-offs to loans | 1.8408% | 429 |
| Credit loss provision to net charge-offs | 90.8237% | 3,446 |
| Earnings coverage of net charge-offs (x) | -0.3410% | 5,631 |
| Efficiency ratio | 113.1954% | 288 |
| Assets per employee ($millions) | 5.5563% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 913 |
| Loan loss allowance to noncurrent loans | 29.0238% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 10.2688% | 210 |
| Noncurrent loans to loans | 9.3440% | 267 |
| Net loans and leases to total assets | 76.1856% | 888 |
| Net loans and leases to deposits | 79.8277% | 2,307 |
| Net loans and leases to core deposits | 82.9778% | 2,670 |
| Total domestic deposits to total assets | 95.4376% | 39 |
| Equity capital to assets | 4.1080% | 6,995 |
| Core capital (leverage) ratio | 3.8705% | 7,001 |
| Tier 1 risk-based capital ratio | 6.7286% | 6,967 |
| Total risk-based capital ratio | 8.0064% | 6,969 |
| Memoranda: | ||
| Average total assets | $91,950,400 | 5,027 |
| Average earning assets | $88,930,800 | 4,900 |
| Average equity | $4,528,200 | 6,433 |
| Average total loans | $75,184,000 | 4,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 2,008 |
| Cost of funding earning assets | 1.1140% | 1,007 |
| Net interest margin | 3.7855% | 3,399 |
| Noninterest income to average assets | 0.2085% | 6,043 |
| Noninterest expense to average assets | 3.3896% | 2,029 |
| Loan and lease loss provision to assets | 0.6543% | 803 |
| Net operating income to assets | -0.1654% | 6,471 |
| Return on assets (ROA) | -0.1654% | 6,545 |
| Pretax return on assets | -0.1654% | 6,526 |
| Return on Equity (ROE) | -3.2299% | 6,635 |
| Retained earnings to average equity (ytd only) | -3.2299% | 6,497 |
| Net charge-offs to loans | 0.5102% | 2,079 |
| Credit loss provision to net charge-offs | 155.2901% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.1604% | 4,721 |
| Efficiency ratio | 87.3934% | 1,259 |
| Assets per employee ($millions) | 5.8724% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8609% | 840 |
| Loan loss allowance to noncurrent loans | 27.4804% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 10.9900% | 190 |
| Noncurrent loans to loans | 10.4108% | 227 |
| Net loans and leases to total assets | 78.6703% | 655 |
| Net loans and leases to deposits | 83.1163% | 1,984 |
| Net loans and leases to core deposits | 86.9796% | 2,347 |
| Total domestic deposits to total assets | 94.6508% | 52 |
| Equity capital to assets | 5.2119% | 7,036 |
| Core capital (leverage) ratio | 5.0657% | 7,022 |
| Tier 1 risk-based capital ratio | 8.3904% | 6,974 |
| Total risk-based capital ratio | 9.6770% | 6,976 |
| Memoranda: | ||
| Average total assets | $92,713,000 | 5,060 |
| Average earning assets | $89,884,500 | 4,917 |
| Average equity | $4,747,250 | 6,445 |
| Average total loans | $76,575,750 | 4,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 1,934 |
| Cost of funding earning assets | 1.1473% | 1,041 |
| Net interest margin | 3.8004% | 3,358 |
| Noninterest income to average assets | 0.1387% | 6,499 |
| Noninterest expense to average assets | 3.3544% | 2,144 |
| Loan and lease loss provision to assets | 0.5309% | 1,180 |
| Net operating income to assets | -0.0498% | 6,385 |
| Return on assets (ROA) | -0.0498% | 6,500 |
| Pretax return on assets | -0.0498% | 6,485 |
| Return on Equity (ROE) | -0.9793% | 6,543 |
| Retained earnings to average equity (ytd only) | -0.9793% | 6,210 |
| Net charge-offs to loans | 0.5812% | 1,865 |
| Credit loss provision to net charge-offs | 109.8655% | 2,484 |
| Earnings coverage of net charge-offs (x) | 0.9955% | 4,531 |
| Efficiency ratio | 87.4576% | 1,289 |
| Assets per employee ($millions) | 5.7359% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 1,044 |
| Loan loss allowance to noncurrent loans | 23.6916% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 10.4681% | 241 |
| Noncurrent loans to loans | 11.3499% | 194 |
| Net loans and leases to total assets | 80.3245% | 473 |
| Net loans and leases to deposits | 84.7536% | 1,752 |
| Net loans and leases to core deposits | 89.0485% | 2,091 |
| Total domestic deposits to total assets | 94.7741% | 59 |
| Equity capital to assets | 5.1311% | 7,094 |
| Core capital (leverage) ratio | 5.0575% | 7,066 |
| Tier 1 risk-based capital ratio | 8.3695% | 7,021 |
| Total risk-based capital ratio | 9.6554% | 7,022 |
| Memoranda: | ||
| Average total assets | $92,298,000 | 5,106 |
| Average earning assets | $89,779,000 | 4,943 |
| Average equity | $4,697,330 | 6,485 |
| Average total loans | $76,736,330 | 4,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,846 |
| Cost of funding earning assets | 1.2044% | 963 |
| Net interest margin | 3.8087% | 3,356 |
| Noninterest income to average assets | 0.1296% | 6,598 |
| Noninterest expense to average assets | 3.0985% | 2,920 |
| Loan and lease loss provision to assets | 0.4322% | 1,449 |
| Net operating income to assets | 0.3025% | 5,649 |
| Return on assets (ROA) | 0.3025% | 5,816 |
| Pretax return on assets | 0.3025% | 5,969 |
| Return on Equity (ROE) | 5.9682% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.9682% | 2,975 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8343% | 2,102 |
| Assets per employee ($millions) | 5.8148% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7121% | 1,103 |
| Loan loss allowance to noncurrent loans | 23.9551% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 10.3616% | 273 |
| Noncurrent loans to loans | 11.3216% | 237 |
| Net loans and leases to total assets | 81.5480% | 302 |
| Net loans and leases to deposits | 86.1296% | 1,405 |
| Net loans and leases to core deposits | 90.4236% | 1,807 |
| Total domestic deposits to total assets | 94.6806% | 69 |
| Equity capital to assets | 5.1131% | 7,132 |
| Core capital (leverage) ratio | 5.1184% | 7,112 |
| Tier 1 risk-based capital ratio | 8.4078% | 7,077 |
| Total risk-based capital ratio | 9.6958% | 7,075 |
| Memoranda: | ||
| Average total assets | $92,560,000 | 5,140 |
| Average earning assets | $90,004,500 | 4,969 |
| Average equity | $4,691,500 | 6,517 |
| Average total loans | $77,227,500 | 4,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 2,642 |
| Cost of funding earning assets | 1.5436% | 602 |
| Net interest margin | 3.5086% | 5,109 |
| Noninterest income to average assets | 0.7266% | 2,467 |
| Noninterest expense to average assets | 3.3432% | 2,378 |
| Loan and lease loss provision to assets | 0.5736% | 1,809 |
| Net operating income to assets | 0.2120% | 5,552 |
| Return on assets (ROA) | 0.2120% | 5,692 |
| Pretax return on assets | 0.2120% | 5,752 |
| Return on Equity (ROE) | 4.4149% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.4149% | 3,031 |
| Net charge-offs to loans | 0.5803% | 2,708 |
| Credit loss provision to net charge-offs | 118.2432% | 2,714 |
| Earnings coverage of net charge-offs (x) | 1.6194% | 4,559 |
| Efficiency ratio | 80.9738% | 2,164 |
| Assets per employee ($millions) | 5.7553% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 1,150 |
| Loan loss allowance to noncurrent loans | 28.2886% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 8.6160% | 432 |
| Noncurrent loans to loans | 9.3146% | 366 |
| Net loans and leases to total assets | 80.8566% | 417 |
| Net loans and leases to deposits | 85.3883% | 1,748 |
| Net loans and leases to core deposits | 90.0674% | 2,125 |
| Total domestic deposits to total assets | 94.6929% | 71 |
| Equity capital to assets | 5.0237% | 7,165 |
| Core capital (leverage) ratio | 4.8691% | 7,159 |
| Tier 1 risk-based capital ratio | 8.3966% | 7,089 |
| Total risk-based capital ratio | 9.6938% | 7,089 |
| Memoranda: | ||
| Average total assets | $91,527,800 | 5,146 |
| Average earning assets | $88,753,400 | 4,973 |
| Average equity | $4,394,200 | 6,630 |
| Average total loans | $76,510,400 | 4,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 2,404 |
| Cost of funding earning assets | 1.6141% | 547 |
| Net interest margin | 3.5324% | 5,052 |
| Noninterest income to average assets | 0.1867% | 6,263 |
| Noninterest expense to average assets | 2.9106% | 3,885 |
| Loan and lease loss provision to assets | 0.2188% | 3,825 |
| Net operating income to assets | 0.4800% | 4,632 |
| Return on assets (ROA) | 0.4800% | 4,829 |
| Pretax return on assets | 0.4800% | 5,223 |
| Return on Equity (ROE) | 10.1161% | 2,158 |
| Retained earnings to average equity (ytd only) | 10.1161% | 817 |
| Net charge-offs to loans | 0.1272% | 4,771 |
| Credit loss provision to net charge-offs | 205.4795% | 1,424 |
| Earnings coverage of net charge-offs (x) | 6.5617% | 2,531 |
| Efficiency ratio | 80.6386% | 2,166 |
| Assets per employee ($millions) | 5.7916% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 1,319 |
| Loan loss allowance to noncurrent loans | 25.2638% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 9.4048% | 398 |
| Noncurrent loans to loans | 10.1126% | 353 |
| Net loans and leases to total assets | 82.7745% | 306 |
| Net loans and leases to deposits | 87.3024% | 1,521 |
| Net loans and leases to core deposits | 92.0329% | 1,990 |
| Total domestic deposits to total assets | 94.8136% | 58 |
| Equity capital to assets | 5.0753% | 7,259 |
| Core capital (leverage) ratio | 4.9381% | 7,245 |
| Tier 1 risk-based capital ratio | 8.2306% | 7,174 |
| Total risk-based capital ratio | 9.5214% | 7,171 |
| Memoranda: | ||
| Average total assets | $91,388,750 | 5,187 |
| Average earning assets | $88,550,250 | 5,005 |
| Average equity | $4,336,250 | 6,695 |
| Average total loans | $76,520,250 | 4,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 2,100 |
| Cost of funding earning assets | 1.6676% | 537 |
| Net interest margin | 3.5715% | 4,833 |
| Noninterest income to average assets | 0.1979% | 6,255 |
| Noninterest expense to average assets | 2.8561% | 4,206 |
| Loan and lease loss provision to assets | 0.2199% | 3,718 |
| Net operating income to assets | 0.5783% | 4,163 |
| Return on assets (ROA) | 0.5783% | 4,291 |
| Pretax return on assets | 0.5783% | 4,817 |
| Return on Equity (ROE) | 12.4822% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.4822% | 460 |
| Net charge-offs to loans | 0.1926% | 4,003 |
| Credit loss provision to net charge-offs | 136.9863% | 2,228 |
| Earnings coverage of net charge-offs (x) | 4.9726% | 2,724 |
| Efficiency ratio | 78.1588% | 2,683 |
| Assets per employee ($millions) | 5.7625% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 1,426 |
| Loan loss allowance to noncurrent loans | 41.4939% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 6.1692% | 896 |
| Noncurrent loans to loans | 6.0566% | 977 |
| Net loans and leases to total assets | 82.5043% | 336 |
| Net loans and leases to deposits | 87.2942% | 1,609 |
| Net loans and leases to core deposits | 91.9896% | 2,131 |
| Total domestic deposits to total assets | 94.5130% | 62 |
| Equity capital to assets | 4.9566% | 7,325 |
| Core capital (leverage) ratio | 4.9038% | 7,305 |
| Tier 1 risk-based capital ratio | 8.2388% | 7,232 |
| Total risk-based capital ratio | 9.5333% | 7,232 |
| Memoranda: | ||
| Average total assets | $90,963,330 | 5,238 |
| Average earning assets | $88,031,000 | 5,063 |
| Average equity | $4,214,000 | 6,776 |
| Average total loans | $75,789,000 | 4,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 2,455 |
| Cost of funding earning assets | 1.6266% | 740 |
| Net interest margin | 3.5182% | 4,924 |
| Noninterest income to average assets | 0.1860% | 6,394 |
| Noninterest expense to average assets | 2.9044% | 4,042 |
| Loan and lease loss provision to assets | 0.1328% | 4,342 |
| Net operating income to assets | 0.5579% | 4,249 |
| Return on assets (ROA) | 0.5579% | 4,326 |
| Pretax return on assets | 0.5579% | 4,839 |
| Return on Equity (ROE) | 12.4876% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.4876% | 666 |
| Net charge-offs to loans | 0.0429% | 4,513 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,138 |
| Efficiency ratio | 80.7882% | 2,398 |
| Assets per employee ($millions) | 5.7430% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5460% | 1,393 |
| Loan loss allowance to noncurrent loans | 32.1711% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 7.6637% | 639 |
| Noncurrent loans to loans | 7.9141% | 638 |
| Net loans and leases to total assets | 81.4785% | 392 |
| Net loans and leases to deposits | 85.8225% | 1,761 |
| Net loans and leases to core deposits | 90.1417% | 2,333 |
| Total domestic deposits to total assets | 94.9384% | 56 |
| Equity capital to assets | 4.4881% | 7,411 |
| Core capital (leverage) ratio | 4.5397% | 7,392 |
| Tier 1 risk-based capital ratio | 7.2643% | 7,345 |
| Total risk-based capital ratio | 8.5502% | 7,348 |
| Memoranda: | ||
| Average total assets | $90,345,000 | 5,278 |
| Average earning assets | $87,545,500 | 5,106 |
| Average equity | $4,036,000 | 6,878 |
| Average total loans | $74,668,500 | 4,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 3,266 |
| Cost of funding earning assets | 2.0239% | 558 |
| Net interest margin | 3.2470% | 6,147 |
| Noninterest income to average assets | 0.4400% | 4,593 |
| Noninterest expense to average assets | 3.4864% | 2,214 |
| Loan and lease loss provision to assets | 1.8755% | 727 |
| Net operating income to assets | -1.7678% | 6,987 |
| Return on assets (ROA) | -1.7461% | 7,004 |
| Pretax return on assets | -1.7461% | 6,943 |
| Return on Equity (ROE) | -30.5117% | 7,237 |
| Retained earnings to average equity (ytd only) | -30.5117% | 7,225 |
| Net charge-offs to loans | 1.8188% | 1,159 |
| Credit loss provision to net charge-offs | 124.9618% | 3,288 |
| Earnings coverage of net charge-offs (x) | 0.0718% | 6,047 |
| Efficiency ratio | 97.0035% | 921 |
| Assets per employee ($millions) | 5.9201% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6671% | 1,209 |
| Loan loss allowance to noncurrent loans | 27.8875% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 8.8928% | 511 |
| Noncurrent loans to loans | 9.5639% | 457 |
| Net loans and leases to total assets | 79.4779% | 735 |
| Net loans and leases to deposits | 83.6936% | 2,501 |
| Net loans and leases to core deposits | 86.9991% | 3,185 |
| Total domestic deposits to total assets | 94.9630% | 60 |
| Equity capital to assets | 4.4458% | 7,482 |
| Core capital (leverage) ratio | 4.4600% | 7,462 |
| Tier 1 risk-based capital ratio | 7.4024% | 7,395 |
| Total risk-based capital ratio | 8.6965% | 7,394 |
| Memoranda: | ||
| Average total assets | $87,282,600 | 5,367 |
| Average earning assets | $84,787,200 | 5,190 |
| Average equity | $4,994,800 | 6,663 |
| Average total loans | $72,024,800 | 4,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 3,777 |
| Cost of funding earning assets | 2.0743% | 589 |
| Net interest margin | 3.1366% | 6,518 |
| Noninterest income to average assets | 0.5140% | 4,072 |
| Noninterest expense to average assets | 2.8092% | 4,447 |
| Loan and lease loss provision to assets | 1.6677% | 768 |
| Net operating income to assets | -0.9098% | 6,848 |
| Return on assets (ROA) | -0.8791% | 6,873 |
| Pretax return on assets | -0.8791% | 6,788 |
| Return on Equity (ROE) | -14.5340% | 7,088 |
| Retained earnings to average equity (ytd only) | -14.5340% | 7,058 |
| Net charge-offs to loans | 1.5428% | 1,302 |
| Credit loss provision to net charge-offs | 130.6490% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.5937% | 5,431 |
| Efficiency ratio | 78.7527% | 2,522 |
| Assets per employee ($millions) | 6.3702% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 1,260 |
| Loan loss allowance to noncurrent loans | 29.4574% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 8.2314% | 600 |
| Noncurrent loans to loans | 8.6852% | 567 |
| Net loans and leases to total assets | 79.5185% | 822 |
| Net loans and leases to deposits | 84.3176% | 2,652 |
| Net loans and leases to core deposits | 87.1837% | 3,494 |
| Total domestic deposits to total assets | 94.3083% | 64 |
| Equity capital to assets | 5.5347% | 7,531 |
| Core capital (leverage) ratio | 5.5240% | 7,493 |
| Tier 1 risk-based capital ratio | 8.9982% | 7,364 |
| Total risk-based capital ratio | 10.2774% | 7,375 |
| Memoranda: | ||
| Average total assets | $86,902,750 | 5,447 |
| Average earning assets | $84,589,500 | 5,248 |
| Average equity | $5,256,500 | 6,654 |
| Average total loans | $71,903,000 | 4,683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 4,350 |
| Cost of funding earning assets | 2.1402% | 574 |
| Net interest margin | 2.9791% | 6,872 |
| Noninterest income to average assets | 0.0836% | 7,166 |
| Noninterest expense to average assets | 2.6073% | 5,296 |
| Loan and lease loss provision to assets | 0.1509% | 5,392 |
| Net operating income to assets | 0.2275% | 5,468 |
| Return on assets (ROA) | 0.2716% | 5,441 |
| Pretax return on assets | 0.2716% | 5,590 |
| Return on Equity (ROE) | 4.3630% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.3630% | 3,298 |
| Net charge-offs to loans | 0.4441% | 3,204 |
| Credit loss provision to net charge-offs | 40.8805% | 5,596 |
| Earnings coverage of net charge-offs (x) | 1.0252% | 4,762 |
| Efficiency ratio | 87.3250% | 1,577 |
| Assets per employee ($millions) | 5.9297% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 2,081 |
| Loan loss allowance to noncurrent loans | 21.9339% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 8.9359% | 501 |
| Noncurrent loans to loans | 9.3196% | 497 |
| Net loans and leases to total assets | 81.5144% | 593 |
| Net loans and leases to deposits | 87.3236% | 2,288 |
| Net loans and leases to core deposits | 93.0707% | 2,837 |
| Total domestic deposits to total assets | 93.3476% | 98 |
| Equity capital to assets | 6.2792% | 7,503 |
| Core capital (leverage) ratio | 6.3749% | 7,409 |
| Tier 1 risk-based capital ratio | 9.8346% | 7,114 |
| Total risk-based capital ratio | 11.1019% | 7,084 |
| Memoranda: | ||
| Average total assets | $86,142,670 | 5,504 |
| Average earning assets | $83,917,670 | 5,303 |
| Average equity | $5,363,330 | 6,663 |
| Average total loans | $71,611,000 | 4,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 4,821 |
| Cost of funding earning assets | 2.1896% | 607 |
| Net interest margin | 2.8533% | 7,095 |
| Noninterest income to average assets | 0.0661% | 7,388 |
| Noninterest expense to average assets | 2.7330% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1133% | 5,987 |
| Return on assets (ROA) | 0.1133% | 6,096 |
| Pretax return on assets | 0.1133% | 6,099 |
| Return on Equity (ROE) | 1.8277% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.8277% | 5,021 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0199% | 1,022 |
| Assets per employee ($millions) | 5.7095% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 1,597 |
| Loan loss allowance to noncurrent loans | 18.3846% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 11.1406% | 323 |
| Noncurrent loans to loans | 12.4477% | 268 |
| Net loans and leases to total assets | 80.1184% | 829 |
| Net loans and leases to deposits | 85.5570% | 2,670 |
| Net loans and leases to core deposits | 90.7750% | 3,262 |
| Total domestic deposits to total assets | 93.6433% | 82 |
| Equity capital to assets | 6.2294% | 7,585 |
| Core capital (leverage) ratio | 6.2787% | 7,535 |
| Tier 1 risk-based capital ratio | 9.8283% | 7,133 |
| Total risk-based capital ratio | 11.0989% | 7,123 |
| Memoranda: | ||
| Average total assets | $84,741,500 | 5,607 |
| Average earning assets | $82,571,000 | 5,413 |
| Average equity | $5,252,500 | 6,756 |
| Average total loans | $70,408,500 | 4,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6043% | 3,581 |
| Cost of funding earning assets | 2.8782% | 333 |
| Net interest margin | 2.7261% | 7,173 |
| Noninterest income to average assets | 0.1088% | 7,223 |
| Noninterest expense to average assets | 2.9475% | 4,351 |
| Loan and lease loss provision to assets | 1.7380% | 1,311 |
| Net operating income to assets | -1.9485% | 7,072 |
| Return on assets (ROA) | -1.9674% | 7,081 |
| Pretax return on assets | -1.9674% | 6,934 |
| Return on Equity (ROE) | -28.2005% | 7,367 |
| Retained earnings to average equity (ytd only) | -28.2005% | 7,349 |
| Net charge-offs to loans | 1.2952% | 1,916 |
| Credit loss provision to net charge-offs | 158.4052% | 2,832 |
| Earnings coverage of net charge-offs (x) | -0.1918% | 6,430 |
| Efficiency ratio | 107.6890% | 848 |
| Assets per employee ($millions) | 5.5894% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 1,521 |
| Loan loss allowance to noncurrent loans | 27.1958% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 8.0021% | 563 |
| Noncurrent loans to loans | 8.3703% | 577 |
| Net loans and leases to total assets | 82.2843% | 643 |
| Net loans and leases to deposits | 87.8638% | 2,580 |
| Net loans and leases to core deposits | 123.6034% | 1,668 |
| Total domestic deposits to total assets | 93.6499% | 92 |
| Equity capital to assets | 6.1664% | 7,640 |
| Core capital (leverage) ratio | 6.1710% | 7,593 |
| Tier 1 risk-based capital ratio | 9.4598% | 7,255 |
| Total risk-based capital ratio | 10.7304% | 7,211 |
| Memoranda: | ||
| Average total assets | $84,579,000 | 5,578 |
| Average earning assets | $81,544,800 | 5,407 |
| Average equity | $5,900,600 | 6,634 |
| Average total loans | $71,650,400 | 4,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 3,220 |
| Cost of funding earning assets | 3.0368% | 295 |
| Net interest margin | 2.6868% | 7,235 |
| Noninterest income to average assets | 0.1070% | 7,370 |
| Noninterest expense to average assets | 2.7433% | 5,133 |
| Loan and lease loss provision to assets | 0.5820% | 3,059 |
| Net operating income to assets | -0.6339% | 6,555 |
| Return on assets (ROA) | -0.6024% | 6,526 |
| Pretax return on assets | -0.6024% | 6,393 |
| Return on Equity (ROE) | -8.3944% | 6,763 |
| Retained earnings to average equity (ytd only) | -8.3944% | 6,647 |
| Net charge-offs to loans | 0.5525% | 3,028 |
| Credit loss provision to net charge-offs | 124.1611% | 4,061 |
| Earnings coverage of net charge-offs (x) | -0.1107% | 6,199 |
| Efficiency ratio | 101.9287% | 982 |
| Assets per employee ($millions) | 5.7208% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 2,921 |
| Loan loss allowance to noncurrent loans | 20.1061% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 7.5630% | 588 |
| Noncurrent loans to loans | 8.0512% | 601 |
| Net loans and leases to total assets | 80.5260% | 1,080 |
| Net loans and leases to deposits | 87.1036% | 3,128 |
| Net loans and leases to core deposits | 122.3763% | 2,040 |
| Total domestic deposits to total assets | 92.4486% | 123 |
| Equity capital to assets | 7.4593% | 7,329 |
| Core capital (leverage) ratio | 7.3921% | 7,085 |
| Tier 1 risk-based capital ratio | 11.0327% | 5,917 |
| Total risk-based capital ratio | 12.2824% | 5,885 |
| Memoranda: | ||
| Average total assets | $84,763,500 | 5,598 |
| Average earning assets | $81,531,750 | 5,437 |
| Average equity | $6,083,250 | 6,634 |
| Average total loans | $71,914,250 | 4,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 3,136 |
| Cost of funding earning assets | 3.2072% | 262 |
| Net interest margin | 2.5737% | 7,387 |
| Noninterest income to average assets | 0.1137% | 7,413 |
| Noninterest expense to average assets | 2.5636% | 5,890 |
| Loan and lease loss provision to assets | 0.1185% | 5,947 |
| Net operating income to assets | -0.0948% | 5,995 |
| Return on assets (ROA) | -0.0474% | 5,983 |
| Pretax return on assets | -0.0474% | 5,933 |
| Return on Equity (ROE) | -0.6692% | 6,023 |
| Retained earnings to average equity (ytd only) | -0.6692% | 5,393 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0842% | 1,219 |
| Assets per employee ($millions) | 5.7849% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,039 |
| Loan loss allowance to noncurrent loans | 18.3933% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 7.8849% | 484 |
| Noncurrent loans to loans | 8.3136% | 513 |
| Net loans and leases to total assets | 82.7460% | 818 |
| Net loans and leases to deposits | 89.2915% | 2,936 |
| Net loans and leases to core deposits | 129.5948% | 1,602 |
| Total domestic deposits to total assets | 92.6695% | 123 |
| Equity capital to assets | 7.1853% | 7,493 |
| Core capital (leverage) ratio | 7.7100% | 6,744 |
| Tier 1 risk-based capital ratio | 10.5639% | 6,323 |
| Total risk-based capital ratio | 11.8169% | 6,265 |
| Memoranda: | ||
| Average total assets | $84,414,000 | 5,631 |
| Average earning assets | $81,129,670 | 5,493 |
| Average equity | $5,977,330 | 6,726 |
| Average total loans | $72,473,000 | 4,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9683% | 2,488 |
| Cost of funding earning assets | 3.4069% | 195 |
| Net interest margin | 2.5614% | 7,424 |
| Noninterest income to average assets | 0.1009% | 7,535 |
| Noninterest expense to average assets | 2.6864% | 5,071 |
| Loan and lease loss provision to assets | 0.1442% | 5,102 |
| Net operating income to assets | -0.2691% | 6,645 |
| Return on assets (ROA) | -0.1730% | 6,607 |
| Pretax return on assets | -0.1730% | 6,541 |
| Return on Equity (ROE) | -2.4622% | 6,721 |
| Retained earnings to average equity (ytd only) | -2.4622% | 6,187 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8780% | 956 |
| Assets per employee ($millions) | 5.3172% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 2,835 |
| Loan loss allowance to noncurrent loans | 18.0693% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 8.5383% | 320 |
| Noncurrent loans to loans | 8.4423% | 407 |
| Net loans and leases to total assets | 88.6256% | 222 |
| Net loans and leases to deposits | 96.0590% | 1,933 |
| Net loans and leases to core deposits | 164.0389% | 434 |
| Total domestic deposits to total assets | 92.2616% | 146 |
| Equity capital to assets | 7.5754% | 7,288 |
| Core capital (leverage) ratio | 7.2524% | 7,425 |
| Tier 1 risk-based capital ratio | 10.0683% | 6,837 |
| Total risk-based capital ratio | 11.3202% | 6,754 |
| Memoranda: | ||
| Average total assets | $83,234,000 | 5,698 |
| Average earning assets | $79,956,000 | 5,551 |
| Average equity | $5,848,500 | 6,828 |
| Average total loans | $72,251,000 | 4,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3928% | 3,457 |
| Cost of funding earning assets | 3.9867% | 104 |
| Net interest margin | 2.4062% | 7,842 |
| Noninterest income to average assets | 0.0977% | 7,644 |
| Noninterest expense to average assets | 2.8434% | 4,631 |
| Loan and lease loss provision to assets | 2.0993% | 557 |
| Net operating income to assets | -2.5437% | 7,722 |
| Return on assets (ROA) | -2.5437% | 7,691 |
| Pretax return on assets | -2.5437% | 7,604 |
| Return on Equity (ROE) | -30.0687% | 7,964 |
| Retained earnings to average equity (ytd only) | -30.0687% | 7,915 |
| Net charge-offs to loans | 1.6970% | 651 |
| Credit loss provision to net charge-offs | 149.7212% | 3,521 |
| Earnings coverage of net charge-offs (x) | -0.3169% | 6,424 |
| Efficiency ratio | 118.5225% | 586 |
| Assets per employee ($millions) | 6.6700% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 2,861 |
| Loan loss allowance to noncurrent loans | 14.1340% | 7,420 |
| Noncurrent assets plus other real estate owned to assets | 9.3242% | 200 |
| Noncurrent loans to loans | 10.3615% | 194 |
| Net loans and leases to total assets | 82.6387% | 1,116 |
| Net loans and leases to deposits | 88.6261% | 3,699 |
| Net loans and leases to core deposits | 163.5683% | 513 |
| Total domestic deposits to total assets | 93.2441% | 46 |
| Equity capital to assets | 6.5217% | 7,931 |
| Core capital (leverage) ratio | 6.5776% | 7,906 |
| Tier 1 risk-based capital ratio | 8.8089% | 7,902 |
| Total risk-based capital ratio | 10.0579% | 7,955 |
| Memoranda: | ||
| Average total assets | $76,738,200 | 5,807 |
| Average earning assets | $73,394,600 | 5,690 |
| Average equity | $6,491,800 | 6,645 |
| Average total loans | $63,405,200 | 5,124 |