Home > Evergreen International Bank > Performance and Condition Ratios
Evergreen International Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5480% | 126 |
| Cost of funding earning assets | 1.3215% | 343 |
| Net interest margin | 5.2265% | 260 |
| Noninterest income to average assets | -6.1815% | 7,082 |
| Noninterest expense to average assets | 8.2670% | 108 |
| Loan and lease loss provision to assets | -2.8135% | 7,082 |
| Net operating income to assets | -6.5657% | 7,072 |
| Return on assets (ROA) | -6.4992% | 7,072 |
| Pretax return on assets | -6.4964% | 7,073 |
| Return on Equity (ROE) | -24.1629% | 6,917 |
| Retained earnings to average equity (ytd only) | -24.1629% | 6,888 |
| Net charge-offs to loans | 1.1984% | 839 |
| Credit loss provision to net charge-offs | -423.4783% | 6,494 |
| Earnings coverage of net charge-offs (x) | -14.1130% | 5,953 |
| Efficiency ratio | -745.3125% | 7,078 |
| Assets per employee ($millions) | 2.8091% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 3,991 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 1.0235% | 7,039 |
| Net loans and leases to deposits | 1.8746% | 7,042 |
| Net loans and leases to core deposits | 1.8746% | 7,031 |
| Total domestic deposits to total assets | 54.5944% | 7,004 |
| Equity capital to assets | 34.9531% | 52 |
| Core capital (leverage) ratio | 31.7605% | 57 |
| Tier 1 risk-based capital ratio | 1,329.1032% | 5 |
| Total risk-based capital ratio | 1,667.5127% | 5 |
| Memoranda: | ||
| Average total assets | $34,619,400 | 6,642 |
| Average earning assets | $33,598,200 | 6,569 |
| Average equity | $9,311,800 | 5,145 |
| Average total loans | $19,192,800 | 6,455 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9704% | 50 |
| Cost of funding earning assets | 0.8605% | 2,457 |
| Net interest margin | 7.1099% | 49 |
| Noninterest income to average assets | -7.5489% | 7,180 |
| Noninterest expense to average assets | 6.9540% | 148 |
| Loan and lease loss provision to assets | -3.4487% | 7,181 |
| Net operating income to assets | -4.1533% | 7,146 |
| Return on assets (ROA) | -4.1533% | 7,148 |
| Pretax return on assets | -4.1498% | 7,145 |
| Return on Equity (ROE) | -16.1633% | 6,945 |
| Retained earnings to average equity (ytd only) | -16.1633% | 6,924 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,079.1209% | 7,180 |
| Assets per employee ($millions) | 3.0730% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 50.0000% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.8316% | 7,140 |
| Net loans and leases to deposits | 1.3878% | 7,142 |
| Net loans and leases to core deposits | 1.3878% | 7,132 |
| Total domestic deposits to total assets | 59.9233% | 7,065 |
| Equity capital to assets | 32.3752% | 59 |
| Core capital (leverage) ratio | 23.1507% | 118 |
| Tier 1 risk-based capital ratio | 657.2480% | 5 |
| Total risk-based capital ratio | 805.8867% | 5 |
| Memoranda: | ||
| Average total assets | $37,656,000 | 6,646 |
| Average earning assets | $36,567,750 | 6,558 |
| Average equity | $9,676,000 | 5,106 |
| Average total loans | $23,933,500 | 6,331 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 673 |
| Cost of funding earning assets | 0.7179% | 3,877 |
| Net interest margin | 4.8143% | 545 |
| Noninterest income to average assets | 0.0293% | 6,920 |
| Noninterest expense to average assets | 6.6798% | 160 |
| Loan and lease loss provision to assets | 0.2049% | 3,019 |
| Net operating income to assets | -2.1811% | 7,090 |
| Return on assets (ROA) | -2.1811% | 7,100 |
| Pretax return on assets | -2.1762% | 7,089 |
| Return on Equity (ROE) | -9.0151% | 6,888 |
| Retained earnings to average equity (ytd only) | -9.0151% | 6,808 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.8653% | 117 |
| Assets per employee ($millions) | 3.3342% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0252% | 337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 74.2539% | 1,211 |
| Net loans and leases to deposits | 105.2876% | 246 |
| Net loans and leases to core deposits | 105.2876% | 777 |
| Total domestic deposits to total assets | 70.5249% | 6,882 |
| Equity capital to assets | 24.1840% | 112 |
| Core capital (leverage) ratio | 23.5056% | 109 |
| Tier 1 risk-based capital ratio | 31.2921% | 466 |
| Total risk-based capital ratio | 39.0552% | 272 |
| Memoranda: | ||
| Average total assets | $40,989,000 | 6,591 |
| Average earning assets | $39,839,330 | 6,480 |
| Average equity | $9,916,670 | 5,052 |
| Average total loans | $31,758,000 | 5,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5928% | 635 |
| Cost of funding earning assets | 0.6358% | 4,849 |
| Net interest margin | 4.9570% | 427 |
| Noninterest income to average assets | 0.0289% | 7,019 |
| Noninterest expense to average assets | 6.3455% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5044% | 7,092 |
| Return on assets (ROA) | -1.5044% | 7,099 |
| Pretax return on assets | -1.5044% | 7,078 |
| Return on Equity (ROE) | -6.2170% | 6,896 |
| Retained earnings to average equity (ytd only) | -6.2170% | 6,674 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0757% | 161 |
| Assets per employee ($millions) | 3.5387% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8376% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 71.0484% | 1,564 |
| Net loans and leases to deposits | 93.2900% | 709 |
| Net loans and leases to core deposits | 93.2900% | 1,521 |
| Total domestic deposits to total assets | 76.1586% | 6,524 |
| Equity capital to assets | 23.4575% | 116 |
| Core capital (leverage) ratio | 24.1334% | 106 |
| Tier 1 risk-based capital ratio | 31.7221% | 445 |
| Total risk-based capital ratio | 33.0039% | 436 |
| Memoranda: | ||
| Average total assets | $41,478,500 | 6,624 |
| Average earning assets | $40,266,000 | 6,511 |
| Average equity | $10,037,000 | 5,031 |
| Average total loans | $32,159,500 | 6,000 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9976% | 432 |
| Cost of funding earning assets | 0.6125% | 6,031 |
| Net interest margin | 5.3851% | 209 |
| Noninterest income to average assets | 0.0285% | 6,909 |
| Noninterest expense to average assets | 5.8007% | 231 |
| Loan and lease loss provision to assets | 0.2408% | 3,799 |
| Net operating income to assets | -0.9840% | 6,733 |
| Return on assets (ROA) | -0.9840% | 6,760 |
| Pretax return on assets | -0.9815% | 6,725 |
| Return on Equity (ROE) | -3.6946% | 6,452 |
| Retained earnings to average equity (ytd only) | -3.6946% | 6,340 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6366% | 357 |
| Assets per employee ($millions) | 4.0493% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6546% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 78.3864% | 665 |
| Net loans and leases to deposits | 104.8596% | 281 |
| Net loans and leases to core deposits | 105.2072% | 832 |
| Total domestic deposits to total assets | 74.7537% | 6,641 |
| Equity capital to assets | 24.9747% | 105 |
| Core capital (leverage) ratio | 25.0142% | 101 |
| Tier 1 risk-based capital ratio | 30.2011% | 509 |
| Total risk-based capital ratio | 31.4654% | 499 |
| Memoranda: | ||
| Average total assets | $38,616,000 | 6,717 |
| Average earning assets | $36,081,200 | 6,677 |
| Average equity | $10,285,200 | 4,948 |
| Average total loans | $30,892,400 | 6,126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 451 |
| Cost of funding earning assets | 0.6010% | 6,282 |
| Net interest margin | 5.4052% | 204 |
| Noninterest income to average assets | 0.0315% | 7,012 |
| Noninterest expense to average assets | 5.7181% | 232 |
| Loan and lease loss provision to assets | 0.3251% | 2,932 |
| Net operating income to assets | -1.0171% | 6,892 |
| Return on assets (ROA) | -1.0171% | 6,920 |
| Pretax return on assets | -1.0136% | 6,881 |
| Return on Equity (ROE) | -3.7566% | 6,615 |
| Retained earnings to average equity (ytd only) | -3.7566% | 6,493 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6901% | 379 |
| Assets per employee ($millions) | 4.1005% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7920% | 455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.4958% | 1,234 |
| Net loans and leases to deposits | 99.6542% | 486 |
| Net loans and leases to core deposits | 99.9804% | 1,247 |
| Total domestic deposits to total assets | 74.7543% | 6,670 |
| Equity capital to assets | 24.8945% | 120 |
| Core capital (leverage) ratio | 25.1921% | 111 |
| Tier 1 risk-based capital ratio | 31.5770% | 470 |
| Total risk-based capital ratio | 32.8873% | 459 |
| Memoranda: | ||
| Average total assets | $38,146,750 | 6,788 |
| Average earning assets | $35,273,500 | 6,760 |
| Average equity | $10,328,250 | 4,953 |
| Average total loans | $30,379,250 | 6,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 413 |
| Cost of funding earning assets | 0.5751% | 6,561 |
| Net interest margin | 5.4959% | 181 |
| Noninterest income to average assets | 0.0323% | 7,113 |
| Noninterest expense to average assets | 5.8934% | 207 |
| Loan and lease loss provision to assets | 0.5001% | 1,963 |
| Net operating income to assets | -1.3819% | 7,065 |
| Return on assets (ROA) | -1.3819% | 7,073 |
| Pretax return on assets | -1.3766% | 7,023 |
| Return on Equity (ROE) | -4.9574% | 6,712 |
| Retained earnings to average equity (ytd only) | -4.9574% | 6,564 |
| Net charge-offs to loans | -0.0067% | 6,622 |
| Credit loss provision to net charge-offs | -9,300.0000% | 6,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4705% | 366 |
| Assets per employee ($millions) | 4.0591% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7191% | 506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 76.7880% | 947 |
| Net loans and leases to deposits | 103.2838% | 341 |
| Net loans and leases to core deposits | 103.6272% | 1,067 |
| Total domestic deposits to total assets | 74.3465% | 6,802 |
| Equity capital to assets | 25.2125% | 123 |
| Core capital (leverage) ratio | 26.3173% | 105 |
| Tier 1 risk-based capital ratio | 31.4468% | 477 |
| Total risk-based capital ratio | 32.7226% | 469 |
| Memoranda: | ||
| Average total assets | $37,194,000 | 6,880 |
| Average earning assets | $33,734,330 | 6,883 |
| Average equity | $10,368,330 | 4,958 |
| Average total loans | $29,922,000 | 6,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 1,332 |
| Cost of funding earning assets | 0.5137% | 6,925 |
| Net interest margin | 4.9735% | 401 |
| Noninterest income to average assets | 0.0225% | 7,233 |
| Noninterest expense to average assets | 6.1980% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.3748% | 7,154 |
| Return on assets (ROA) | -1.3748% | 7,160 |
| Pretax return on assets | -1.3748% | 7,120 |
| Return on Equity (ROE) | -4.6763% | 6,789 |
| Retained earnings to average equity (ytd only) | -4.6763% | 6,487 |
| Net charge-offs to loans | -0.0139% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5047% | 269 |
| Assets per employee ($millions) | 3.5865% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4944% | 603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 85.5514% | 151 |
| Net loans and leases to deposits | 121.8063% | 82 |
| Net loans and leases to core deposits | 125.4672% | 321 |
| Total domestic deposits to total assets | 70.2356% | 7,168 |
| Equity capital to assets | 28.9558% | 83 |
| Core capital (leverage) ratio | 29.9708% | 77 |
| Tier 1 risk-based capital ratio | 31.9307% | 438 |
| Total risk-based capital ratio | 33.2072% | 430 |
| Memoranda: | ||
| Average total assets | $35,495,500 | 6,984 |
| Average earning assets | $34,261,500 | 6,912 |
| Average equity | $10,435,500 | 4,933 |
| Average total loans | $28,696,500 | 6,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2537% | 7,552 |
| Cost of funding earning assets | 0.2077% | 7,549 |
| Net interest margin | 2.0460% | 7,447 |
| Noninterest income to average assets | 0.0058% | 7,264 |
| Noninterest expense to average assets | 3.2016% | 3,087 |
| Loan and lease loss provision to assets | 0.3765% | 3,863 |
| Net operating income to assets | -1.6168% | 6,949 |
| Return on assets (ROA) | -1.6168% | 6,969 |
| Pretax return on assets | -1.6168% | 6,900 |
| Return on Equity (ROE) | -10.1106% | 6,732 |
| Retained earnings to average equity (ytd only) | -10.1106% | 6,666 |
| Net charge-offs to loans | 0.1463% | 5,479 |
| Credit loss provision to net charge-offs | 348.6486% | 739 |
| Earnings coverage of net charge-offs (x) | -11.4865% | 6,801 |
| Efficiency ratio | 163.2440% | 156 |
| Assets per employee ($millions) | 2.9272% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3361% | 301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.7176% | 2,592 |
| Net loans and leases to deposits | 100.9647% | 528 |
| Net loans and leases to core deposits | 112.6760% | 786 |
| Total domestic deposits to total assets | 69.0514% | 7,284 |
| Equity capital to assets | 29.8525% | 82 |
| Core capital (leverage) ratio | 33.2825% | 74 |
| Tier 1 risk-based capital ratio | 37.2178% | 292 |
| Total risk-based capital ratio | 38.4673% | 286 |
| Memoranda: | ||
| Average total assets | $34,264,400 | 7,063 |
| Average earning assets | $32,746,600 | 6,990 |
| Average equity | $5,479,400 | 6,512 |
| Average total loans | $25,283,400 | 6,656 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2568% | 7,717 |
| Cost of funding earning assets | 0.1232% | 7,698 |
| Net interest margin | 1.1336% | 7,698 |
| Noninterest income to average assets | 0.0039% | 7,428 |
| Noninterest expense to average assets | 1.7386% | 7,401 |
| Loan and lease loss provision to assets | 0.3837% | 3,584 |
| Net operating income to assets | -1.0377% | 6,927 |
| Return on assets (ROA) | -1.0377% | 6,962 |
| Pretax return on assets | -1.0377% | 6,877 |
| Return on Equity (ROE) | -8.3572% | 6,853 |
| Retained earnings to average equity (ytd only) | -8.3572% | 6,793 |
| Net charge-offs to loans | 0.1957% | 4,773 |
| Credit loss provision to net charge-offs | 264.8649% | 1,243 |
| Earnings coverage of net charge-offs (x) | -4.5137% | 6,586 |
| Efficiency ratio | 160.2888% | 166 |
| Assets per employee ($millions) | 2.1807% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8410% | 198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.4726% | 2,860 |
| Net loans and leases to deposits | 107.0834% | 320 |
| Net loans and leases to core deposits | 122.7005% | 534 |
| Total domestic deposits to total assets | 64.8772% | 7,496 |
| Equity capital to assets | 33.6063% | 70 |
| Core capital (leverage) ratio | 32.0846% | 74 |
| Tier 1 risk-based capital ratio | 41.6430% | 220 |
| Total risk-based capital ratio | 42.9702% | 216 |
| Memoranda: | ||
| Average total assets | $34,049,000 | 7,160 |
| Average earning assets | $32,462,750 | 7,083 |
| Average equity | $4,227,750 | 6,999 |
| Average total loans | $25,204,500 | 6,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 5,001 |
| Cost of funding earning assets | 1.7058% | 2,089 |
| Net interest margin | 3.2804% | 6,079 |
| Noninterest income to average assets | 0.4713% | 4,347 |
| Noninterest expense to average assets | 8.0461% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -4.4574% | 7,659 |
| Return on assets (ROA) | -4.4574% | 7,663 |
| Pretax return on assets | -4.4518% | 7,643 |
| Return on Equity (ROE) | -70.8164% | 7,683 |
| Retained earnings to average equity (ytd only) | -70.8164% | 7,681 |
| Net charge-offs to loans | 0.2827% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -21.1892% | 6,342 |
| Efficiency ratio | 223.8547% | 74 |
| Assets per employee ($millions) | 3.1625% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0930% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.1454% | 3,801 |
| Net loans and leases to deposits | 70.6760% | 5,185 |
| Net loans and leases to core deposits | 76.8614% | 5,097 |
| Total domestic deposits to total assets | 93.5896% | 92 |
| Equity capital to assets | 5.3353% | 7,606 |
| Core capital (leverage) ratio | 5.1185% | 7,593 |
| Tier 1 risk-based capital ratio | 7.0399% | 7,602 |
| Total risk-based capital ratio | 8.3234% | 7,604 |
| Memoranda: | ||
| Average total assets | $35,222,000 | 7,172 |
| Average earning assets | $33,533,000 | 7,093 |
| Average equity | $2,217,000 | 7,623 |
| Average total loans | $26,176,330 | 6,737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 4,782 |
| Cost of funding earning assets | 1.8820% | 1,525 |
| Net interest margin | 3.1684% | 6,389 |
| Noninterest income to average assets | 0.4628% | 4,360 |
| Noninterest expense to average assets | 7.9346% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.4696% | 7,746 |
| Return on assets (ROA) | -4.4696% | 7,753 |
| Pretax return on assets | -4.4696% | 7,719 |
| Return on Equity (ROE) | -66.0688% | 7,758 |
| Retained earnings to average equity (ytd only) | -66.0688% | 7,750 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.9902% | 78 |
| Assets per employee ($millions) | 3.1320% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8071% | 433 |
| Loan loss allowance to noncurrent loans | 1,887.0370% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 5,398 |
| Noncurrent loans to loans | 0.2017% | 6,938 |
| Net loans and leases to total assets | 74.7330% | 1,802 |
| Net loans and leases to deposits | 80.4167% | 3,569 |
| Net loans and leases to core deposits | 89.0776% | 3,488 |
| Total domestic deposits to total assets | 92.9322% | 130 |
| Equity capital to assets | 6.4089% | 7,549 |
| Core capital (leverage) ratio | 5.8688% | 7,596 |
| Tier 1 risk-based capital ratio | 7.9822% | 7,615 |
| Total risk-based capital ratio | 9.2665% | 7,619 |
| Memoranda: | ||
| Average total assets | $35,439,500 | 7,254 |
| Average earning assets | $33,582,000 | 7,180 |
| Average equity | $2,397,500 | 7,665 |
| Average total loans | $27,268,500 | 6,760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 6,743 |
| Cost of funding earning assets | 2.8990% | 309 |
| Net interest margin | 1.9870% | 7,750 |
| Noninterest income to average assets | 0.1373% | 7,065 |
| Noninterest expense to average assets | 8.3422% | 128 |
| Loan and lease loss provision to assets | 5.0485% | 185 |
| Net operating income to assets | -11.3942% | 7,984 |
| Return on assets (ROA) | -11.2873% | 7,983 |
| Pretax return on assets | -11.2848% | 7,981 |
| Return on Equity (ROE) | -87.5345% | 7,894 |
| Retained earnings to average equity (ytd only) | -87.5345% | 7,890 |
| Net charge-offs to loans | 5.3047% | 222 |
| Credit loss provision to net charge-offs | 129.8234% | 3,941 |
| Earnings coverage of net charge-offs (x) | -1.6311% | 6,975 |
| Efficiency ratio | 417.3028% | 43 |
| Assets per employee ($millions) | 2.4285% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6657% | 462 |
| Loan loss allowance to noncurrent loans | 305.7057% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 2.4954% | 2,801 |
| Noncurrent loans to loans | 1.1991% | 4,939 |
| Net loans and leases to total assets | 73.4428% | 2,395 |
| Net loans and leases to deposits | 79.6718% | 4,053 |
| Net loans and leases to core deposits | 104.8274% | 3,466 |
| Total domestic deposits to total assets | 92.1816% | 232 |
| Equity capital to assets | 7.1019% | 7,327 |
| Core capital (leverage) ratio | 6.8725% | 7,331 |
| Tier 1 risk-based capital ratio | 8.8286% | 7,529 |
| Total risk-based capital ratio | 10.1095% | 7,545 |
| Memoranda: | ||
| Average total assets | $39,318,400 | 7,124 |
| Average earning assets | $36,840,000 | 7,065 |
| Average equity | $5,070,000 | 6,916 |
| Average total loans | $28,823,400 | 6,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 7,126 |
| Cost of funding earning assets | 3.0509% | 280 |
| Net interest margin | 1.7479% | 7,902 |
| Noninterest income to average assets | 0.2930% | 6,134 |
| Noninterest expense to average assets | 7.1991% | 197 |
| Loan and lease loss provision to assets | 4.6651% | 202 |
| Net operating income to assets | -9.9395% | 8,045 |
| Return on assets (ROA) | -9.7996% | 8,041 |
| Pretax return on assets | -9.7963% | 8,039 |
| Return on Equity (ROE) | -68.9522% | 7,928 |
| Retained earnings to average equity (ytd only) | -68.9522% | 7,925 |
| Net charge-offs to loans | 3.4792% | 429 |
| Credit loss provision to net charge-offs | 184.5850% | 2,467 |
| Earnings coverage of net charge-offs (x) | -2.0856% | 6,752 |
| Efficiency ratio | 373.4024% | 47 |
| Assets per employee ($millions) | 2.7380% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2066% | 254 |
| Loan loss allowance to noncurrent loans | 48.8698% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 9.1751% | 417 |
| Noncurrent loans to loans | 8.6078% | 534 |
| Net loans and leases to total assets | 74.4965% | 2,381 |
| Net loans and leases to deposits | 83.7665% | 3,687 |
| Net loans and leases to core deposits | 125.9638% | 1,737 |
| Total domestic deposits to total assets | 88.9335% | 1,229 |
| Equity capital to assets | 10.5917% | 3,411 |
| Core capital (leverage) ratio | 9.8818% | 3,422 |
| Tier 1 risk-based capital ratio | 12.3268% | 4,682 |
| Total risk-based capital ratio | 13.6086% | 4,605 |
| Memoranda: | ||
| Average total assets | $40,041,250 | 7,147 |
| Average earning assets | $37,453,000 | 7,094 |
| Average equity | $5,690,750 | 6,783 |
| Average total loans | $29,086,500 | 6,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 7,361 |
| Cost of funding earning assets | 3.1139% | 336 |
| Net interest margin | 1.6070% | 7,990 |
| Noninterest income to average assets | 0.4777% | 4,648 |
| Noninterest expense to average assets | 7.3084% | 195 |
| Loan and lease loss provision to assets | 2.2161% | 723 |
| Net operating income to assets | -7.5497% | 8,072 |
| Return on assets (ROA) | -7.5497% | 8,063 |
| Pretax return on assets | -7.5448% | 8,043 |
| Return on Equity (ROE) | -49.1793% | 7,906 |
| Retained earnings to average equity (ytd only) | -49.1793% | 7,901 |
| Net charge-offs to loans | 1.3798% | 1,355 |
| Credit loss provision to net charge-offs | 226.1307% | 2,035 |
| Earnings coverage of net charge-offs (x) | -5.4372% | 6,464 |
| Efficiency ratio | 369.1542% | 60 |
| Assets per employee ($millions) | 3.1142% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8698% | 636 |
| Loan loss allowance to noncurrent loans | 63.2893% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 6.2492% | 759 |
| Noncurrent loans to loans | 4.5344% | 1,415 |
| Net loans and leases to total assets | 72.0637% | 3,206 |
| Net loans and leases to deposits | 83.7303% | 3,938 |
| Net loans and leases to core deposits | 107.9876% | 3,612 |
| Total domestic deposits to total assets | 86.0664% | 2,749 |
| Equity capital to assets | 13.4791% | 1,500 |
| Core capital (leverage) ratio | 13.1857% | 1,375 |
| Tier 1 risk-based capital ratio | 16.5973% | 2,420 |
| Total risk-based capital ratio | 17.8650% | 2,365 |
| Memoranda: | ||
| Average total assets | $40,611,000 | 7,183 |
| Average earning assets | $37,959,330 | 7,128 |
| Average equity | $6,234,330 | 6,625 |
| Average total loans | $28,845,330 | 6,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 7,428 |
| Cost of funding earning assets | 3.1249% | 427 |
| Net interest margin | 1.6308% | 8,026 |
| Noninterest income to average assets | 0.0197% | 7,979 |
| Noninterest expense to average assets | 6.7660% | 219 |
| Loan and lease loss provision to assets | 0.9146% | 1,425 |
| Net operating income to assets | -6.1366% | 8,096 |
| Return on assets (ROA) | -6.1366% | 8,086 |
| Pretax return on assets | -6.1366% | 8,058 |
| Return on Equity (ROE) | -37.6868% | 7,968 |
| Retained earnings to average equity (ytd only) | -37.6868% | 7,942 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 438.2166% | 47 |
| Assets per employee ($millions) | 3.1665% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,174 |
| Loan loss allowance to noncurrent loans | 53.4318% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 5.9688% | 668 |
| Noncurrent loans to loans | 3.9947% | 1,510 |
| Net loans and leases to total assets | 68.5016% | 4,012 |
| Net loans and leases to deposits | 81.4618% | 4,378 |
| Net loans and leases to core deposits | 109.7711% | 3,464 |
| Total domestic deposits to total assets | 84.0905% | 3,663 |
| Equity capital to assets | 15.2998% | 1,014 |
| Core capital (leverage) ratio | 15.4708% | 871 |
| Tier 1 risk-based capital ratio | 18.7577% | 1,866 |
| Total risk-based capital ratio | 20.0197% | 1,813 |
| Memoranda: | ||
| Average total assets | $40,674,000 | 7,221 |
| Average earning assets | $38,017,000 | 7,168 |
| Average equity | $6,623,000 | 6,541 |
| Average total loans | $28,249,500 | 6,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 7,335 |
| Cost of funding earning assets | 3.0246% | 1,782 |
| Net interest margin | 2.4610% | 7,796 |
| Noninterest income to average assets | 0.0471% | 7,906 |
| Noninterest expense to average assets | 8.5114% | 197 |
| Loan and lease loss provision to assets | 4.3390% | 141 |
| Net operating income to assets | -10.4877% | 8,259 |
| Return on assets (ROA) | -10.3683% | 8,258 |
| Pretax return on assets | -10.3652% | 8,248 |
| Return on Equity (ROE) | -39.6320% | 8,074 |
| Retained earnings to average equity (ytd only) | -39.6320% | 8,045 |
| Net charge-offs to loans | 4.5703% | 122 |
| Credit loss provision to net charge-offs | 144.0042% | 3,669 |
| Earnings coverage of net charge-offs (x) | -2.0396% | 6,708 |
| Efficiency ratio | 359.7610% | 76 |
| Assets per employee ($millions) | 2.6789% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,453 |
| Loan loss allowance to noncurrent loans | 153.9823% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 4.0962% | 989 |
| Noncurrent loans to loans | 1.2244% | 4,066 |
| Net loans and leases to total assets | 67.5990% | 4,535 |
| Net loans and leases to deposits | 82.2977% | 4,682 |
| Net loans and leases to core deposits | 116.2992% | 3,093 |
| Total domestic deposits to total assets | 82.1397% | 4,147 |
| Equity capital to assets | 17.2905% | 747 |
| Core capital (leverage) ratio | 17.9684% | 607 |
| Tier 1 risk-based capital ratio | 21.0814% | 1,448 |
| Total risk-based capital ratio | 22.3377% | 1,415 |
| Memoranda: | ||
| Average total assets | $31,827,800 | 7,573 |
| Average earning assets | $29,987,400 | 7,511 |
| Average equity | $8,326,600 | 5,969 |
| Average total loans | $20,983,400 | 7,262 |