Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,050 |
| Cost of funding earning assets | 0.4900% | 2,318 |
| Net interest margin | 3.3214% | 4,255 |
| Noninterest income to average assets | 0.4853% | 3,474 |
| Noninterest expense to average assets | 3.6593% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3245% | 6,090 |
| Return on assets (ROA) | -1.5828% | 6,218 |
| Pretax return on assets | -1.5828% | 6,213 |
| Return on Equity (ROE) | -38.1671% | 6,250 |
| Retained earnings to average equity (ytd only) | -38.1671% | 6,242 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7293% | 153 |
| Assets per employee ($millions) | 2.6314% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5834% | 394 |
| Loan loss allowance to noncurrent loans | 147.1631% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 1,372 |
| Noncurrent loans to loans | 1.7555% | 1,356 |
| Net loans and leases to total assets | 34.9823% | 5,818 |
| Net loans and leases to deposits | 36.4906% | 5,971 |
| Net loans and leases to core deposits | 38.3122% | 5,962 |
| Total domestic deposits to total assets | 95.8667% | 8 |
| Equity capital to assets | 3.9634% | 6,246 |
| Core capital (leverage) ratio | 3.2015% | 6,252 |
| Tier 1 risk-based capital ratio | 7.5094% | 6,225 |
| Total risk-based capital ratio | 8.7848% | 6,226 |
| Memoranda: | ||
| Average total assets | $47,258,000 | 5,673 |
| Average earning assets | $40,543,750 | 5,739 |
| Average equity | $1,959,750 | 6,189 |
| Average total loans | $15,808,750 | 5,949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,780 |
| Cost of funding earning assets | 0.4554% | 2,659 |
| Net interest margin | 3.1239% | 4,903 |
| Noninterest income to average assets | 0.6029% | 2,720 |
| Noninterest expense to average assets | 3.6009% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1455% | 6,074 |
| Return on assets (ROA) | -0.3035% | 6,151 |
| Pretax return on assets | -0.3035% | 6,141 |
| Return on Equity (ROE) | -7.2206% | 6,225 |
| Retained earnings to average equity (ytd only) | -7.2206% | 6,101 |
| Net charge-offs to loans | -0.1145% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2118% | 245 |
| Assets per employee ($millions) | 2.8574% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6299% | 410 |
| Loan loss allowance to noncurrent loans | 172.3577% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 1,413 |
| Noncurrent loans to loans | 1.5259% | 1,741 |
| Net loans and leases to total assets | 32.3164% | 5,958 |
| Net loans and leases to deposits | 33.6607% | 6,088 |
| Net loans and leases to core deposits | 35.1942% | 6,087 |
| Total domestic deposits to total assets | 96.0063% | 6 |
| Equity capital to assets | 3.8332% | 6,321 |
| Core capital (leverage) ratio | 4.0069% | 6,320 |
| Tier 1 risk-based capital ratio | 9.6531% | 6,176 |
| Total risk-based capital ratio | 10.9328% | 6,138 |
| Memoranda: | ||
| Average total assets | $48,099,330 | 5,719 |
| Average earning assets | $43,919,670 | 5,715 |
| Average equity | $2,022,000 | 6,253 |
| Average total loans | $15,723,670 | 6,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 3,991 |
| Cost of funding earning assets | 0.4816% | 2,437 |
| Net interest margin | 3.3224% | 4,123 |
| Noninterest income to average assets | 0.7187% | 2,079 |
| Noninterest expense to average assets | 3.7692% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2257% | 6,159 |
| Return on assets (ROA) | -0.2257% | 6,182 |
| Pretax return on assets | -0.2257% | 6,168 |
| Return on Equity (ROE) | -5.1380% | 6,261 |
| Retained earnings to average equity (ytd only) | -5.1380% | 5,943 |
| Net charge-offs to loans | -0.0773% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3679% | 235 |
| Assets per employee ($millions) | 2.6947% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6646% | 423 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.7565% | 1,402 |
| Noncurrent loans to loans | 1.3323% | 2,160 |
| Net loans and leases to total assets | 31.4792% | 6,021 |
| Net loans and leases to deposits | 33.0820% | 6,134 |
| Net loans and leases to core deposits | 34.3595% | 6,135 |
| Total domestic deposits to total assets | 95.1551% | 12 |
| Equity capital to assets | 4.6861% | 6,382 |
| Core capital (leverage) ratio | 4.2663% | 6,388 |
| Tier 1 risk-based capital ratio | 10.0763% | 6,153 |
| Total risk-based capital ratio | 11.3365% | 6,094 |
| Memoranda: | ||
| Average total assets | $47,861,000 | 5,777 |
| Average earning assets | $40,694,000 | 5,845 |
| Average equity | $2,102,000 | 6,312 |
| Average total loans | $15,524,500 | 6,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,506 |
| Cost of funding earning assets | 0.5337% | 2,343 |
| Net interest margin | 3.7937% | 2,649 |
| Noninterest income to average assets | 0.4430% | 3,878 |
| Noninterest expense to average assets | 3.9756% | 774 |
| Loan and lease loss provision to assets | 0.3019% | 678 |
| Net operating income to assets | -0.6545% | 6,330 |
| Return on assets (ROA) | -0.6721% | 6,328 |
| Pretax return on assets | -0.6721% | 6,318 |
| Return on Equity (ROE) | -17.9285% | 6,429 |
| Retained earnings to average equity (ytd only) | -17.9285% | 6,404 |
| Net charge-offs to loans | 0.6323% | 620 |
| Credit loss provision to net charge-offs | 134.3137% | 1,763 |
| Earnings coverage of net charge-offs (x) | -1.5686% | 4,819 |
| Efficiency ratio | 109.7324% | 224 |
| Assets per employee ($millions) | 2.6232% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7015% | 422 |
| Loan loss allowance to noncurrent loans | 136.9637% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1369% | 1,150 |
| Noncurrent loans to loans | 1.9724% | 1,418 |
| Net loans and leases to total assets | 31.6560% | 6,124 |
| Net loans and leases to deposits | 33.0576% | 6,236 |
| Net loans and leases to core deposits | 34.3585% | 6,231 |
| Total domestic deposits to total assets | 95.7600% | 13 |
| Equity capital to assets | 4.0896% | 6,478 |
| Core capital (leverage) ratio | 3.8419% | 6,480 |
| Tier 1 risk-based capital ratio | 8.8689% | 6,414 |
| Total risk-based capital ratio | 10.1314% | 6,409 |
| Memoranda: | ||
| Average total assets | $45,377,000 | 5,893 |
| Average earning assets | $38,036,400 | 5,983 |
| Average equity | $1,701,200 | 6,437 |
| Average total loans | $16,132,400 | 6,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,684 |
| Cost of funding earning assets | 0.5294% | 2,474 |
| Net interest margin | 3.7580% | 2,779 |
| Noninterest income to average assets | 0.4720% | 3,730 |
| Noninterest expense to average assets | 4.1052% | 684 |
| Loan and lease loss provision to assets | 0.3087% | 624 |
| Net operating income to assets | -0.7391% | 6,430 |
| Return on assets (ROA) | -0.7391% | 6,427 |
| Pretax return on assets | -0.7391% | 6,409 |
| Return on Equity (ROE) | -20.1971% | 6,511 |
| Retained earnings to average equity (ytd only) | -20.1971% | 6,491 |
| Net charge-offs to loans | 0.9392% | 343 |
| Credit loss provision to net charge-offs | 90.4348% | 2,421 |
| Earnings coverage of net charge-offs (x) | -1.2609% | 4,537 |
| Efficiency ratio | 111.7124% | 200 |
| Assets per employee ($millions) | 2.4114% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 876 |
| Loan loss allowance to noncurrent loans | 122.1854% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 1,045 |
| Noncurrent loans to loans | 1.8435% | 1,733 |
| Net loans and leases to total assets | 36.8921% | 5,997 |
| Net loans and leases to deposits | 38.6218% | 6,164 |
| Net loans and leases to core deposits | 40.2569% | 6,171 |
| Total domestic deposits to total assets | 95.5213% | 19 |
| Equity capital to assets | 4.2023% | 6,547 |
| Core capital (leverage) ratio | 3.7750% | 6,557 |
| Tier 1 risk-based capital ratio | 7.9521% | 6,509 |
| Total risk-based capital ratio | 9.2087% | 6,510 |
| Memoranda: | ||
| Average total assets | $44,917,000 | 5,978 |
| Average earning assets | $38,282,250 | 6,043 |
| Average equity | $1,643,750 | 6,522 |
| Average total loans | $16,325,000 | 6,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 2,545 |
| Cost of funding earning assets | 0.5298% | 2,543 |
| Net interest margin | 3.7816% | 2,627 |
| Noninterest income to average assets | 0.3038% | 4,975 |
| Noninterest expense to average assets | 4.0378% | 727 |
| Loan and lease loss provision to assets | 0.2642% | 789 |
| Net operating income to assets | -0.7926% | 6,503 |
| Return on assets (ROA) | -0.7926% | 6,502 |
| Pretax return on assets | -0.7926% | 6,490 |
| Return on Equity (ROE) | -22.7320% | 6,590 |
| Retained earnings to average equity (ytd only) | -22.7320% | 6,554 |
| Net charge-offs to loans | 1.3860% | 209 |
| Credit loss provision to net charge-offs | 53.0973% | 2,752 |
| Earnings coverage of net charge-offs (x) | -1.0619% | 4,208 |
| Efficiency ratio | 115.0565% | 184 |
| Assets per employee ($millions) | 2.4167% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0717% | 1,237 |
| Loan loss allowance to noncurrent loans | 107.9208% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4500% | 1,168 |
| Noncurrent loans to loans | 1.9197% | 1,777 |
| Net loans and leases to total assets | 33.6622% | 6,170 |
| Net loans and leases to deposits | 35.0881% | 6,320 |
| Net loans and leases to core deposits | 36.2653% | 6,320 |
| Total domestic deposits to total assets | 95.9362% | 17 |
| Equity capital to assets | 3.8460% | 6,619 |
| Core capital (leverage) ratio | 3.6684% | 6,619 |
| Tier 1 risk-based capital ratio | 8.1876% | 6,563 |
| Total risk-based capital ratio | 9.4434% | 6,566 |
| Memoranda: | ||
| Average total assets | $45,421,000 | 6,021 |
| Average earning assets | $38,502,670 | 6,090 |
| Average equity | $1,583,670 | 6,593 |
| Average total loans | $16,306,000 | 6,224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,590 |
| Cost of funding earning assets | 0.5377% | 2,529 |
| Net interest margin | 3.7431% | 2,701 |
| Noninterest income to average assets | 0.1682% | 5,970 |
| Noninterest expense to average assets | 4.1884% | 610 |
| Loan and lease loss provision to assets | 0.2656% | 786 |
| Net operating income to assets | -1.0803% | 6,583 |
| Return on assets (ROA) | -1.0803% | 6,579 |
| Pretax return on assets | -1.0803% | 6,570 |
| Return on Equity (ROE) | -32.6968% | 6,668 |
| Retained earnings to average equity (ytd only) | -32.6968% | 6,627 |
| Net charge-offs to loans | 0.7002% | 517 |
| Credit loss provision to net charge-offs | 103.4483% | 1,609 |
| Earnings coverage of net charge-offs (x) | -3.1724% | 3,559 |
| Efficiency ratio | 124.1470% | 151 |
| Assets per employee ($millions) | 2.3895% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3269% | 986 |
| Loan loss allowance to noncurrent loans | 90.7143% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.4360% | 766 |
| Noncurrent loans to loans | 2.5650% | 1,340 |
| Net loans and leases to total assets | 35.2261% | 6,110 |
| Net loans and leases to deposits | 36.5663% | 6,298 |
| Net loans and leases to core deposits | 37.7996% | 6,317 |
| Total domestic deposits to total assets | 96.3349% | 16 |
| Equity capital to assets | 3.4691% | 6,684 |
| Core capital (leverage) ratio | 3.5941% | 6,686 |
| Tier 1 risk-based capital ratio | 7.3525% | 6,642 |
| Total risk-based capital ratio | 8.6067% | 6,642 |
| Memoranda: | ||
| Average total assets | $45,172,500 | 6,086 |
| Average earning assets | $38,684,000 | 6,141 |
| Average equity | $1,492,500 | 6,667 |
| Average total loans | $16,567,000 | 6,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,076 |
| Cost of funding earning assets | 0.6052% | 2,613 |
| Net interest margin | 3.9301% | 2,180 |
| Noninterest income to average assets | 0.7266% | 2,399 |
| Noninterest expense to average assets | 3.6441% | 1,382 |
| Loan and lease loss provision to assets | 0.2658% | 1,328 |
| Net operating income to assets | 0.2548% | 5,677 |
| Return on assets (ROA) | 0.0908% | 6,119 |
| Pretax return on assets | 0.0908% | 6,104 |
| Return on Equity (ROE) | 2.0869% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.0869% | 4,749 |
| Net charge-offs to loans | 1.1931% | 447 |
| Credit loss provision to net charge-offs | 55.8140% | 3,678 |
| Earnings coverage of net charge-offs (x) | 1.0930% | 4,710 |
| Efficiency ratio | 87.5000% | 1,272 |
| Assets per employee ($millions) | 2.4969% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,087 |
| Loan loss allowance to noncurrent loans | 53.9773% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 4.0450% | 652 |
| Noncurrent loans to loans | 4.2005% | 668 |
| Net loans and leases to total assets | 36.4454% | 6,176 |
| Net loans and leases to deposits | 37.6595% | 6,380 |
| Net loans and leases to core deposits | 38.9323% | 6,394 |
| Total domestic deposits to total assets | 96.7760% | 19 |
| Equity capital to assets | 3.1372% | 6,761 |
| Core capital (leverage) ratio | 3.6536% | 6,759 |
| Tier 1 risk-based capital ratio | 7.0339% | 6,728 |
| Total risk-based capital ratio | 8.2741% | 6,729 |
| Memoranda: | ||
| Average total assets | $45,141,600 | 6,146 |
| Average earning assets | $39,490,200 | 6,185 |
| Average equity | $1,964,600 | 6,693 |
| Average total loans | $18,020,400 | 6,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,997 |
| Cost of funding earning assets | 0.6145% | 2,692 |
| Net interest margin | 3.9491% | 2,117 |
| Noninterest income to average assets | 1.0208% | 1,395 |
| Noninterest expense to average assets | 3.8001% | 1,080 |
| Loan and lease loss provision to assets | 0.2655% | 1,335 |
| Net operating income to assets | 0.4249% | 5,138 |
| Return on assets (ROA) | 0.2065% | 5,978 |
| Pretax return on assets | 0.2065% | 6,030 |
| Return on Equity (ROE) | 4.4374% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.4374% | 3,517 |
| Net charge-offs to loans | 0.5817% | 1,082 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 2.9251% | 3,860 |
| Efficiency ratio | 84.6255% | 1,520 |
| Assets per employee ($millions) | 2.3524% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7576% | 700 |
| Loan loss allowance to noncurrent loans | 76.2579% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 4.1990% | 736 |
| Noncurrent loans to loans | 3.6161% | 1,034 |
| Net loans and leases to total assets | 40.3916% | 6,005 |
| Net loans and leases to deposits | 43.2922% | 6,248 |
| Net loans and leases to core deposits | 44.9027% | 6,255 |
| Total domestic deposits to total assets | 93.3000% | 104 |
| Equity capital to assets | 3.0064% | 6,846 |
| Core capital (leverage) ratio | 3.7007% | 6,835 |
| Tier 1 risk-based capital ratio | 7.0487% | 6,802 |
| Total risk-based capital ratio | 8.3076% | 6,801 |
| Memoranda: | ||
| Average total assets | $45,191,000 | 6,212 |
| Average earning assets | $39,704,000 | 6,244 |
| Average equity | $2,103,250 | 6,752 |
| Average total loans | $18,335,500 | 6,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 2,404 |
| Cost of funding earning assets | 0.6046% | 2,897 |
| Net interest margin | 3.8388% | 2,415 |
| Noninterest income to average assets | 1.1573% | 1,138 |
| Noninterest expense to average assets | 3.7104% | 1,234 |
| Loan and lease loss provision to assets | 0.2601% | 1,424 |
| Net operating income to assets | 0.5722% | 4,437 |
| Return on assets (ROA) | 0.6675% | 4,133 |
| Pretax return on assets | 0.6675% | 4,787 |
| Return on Equity (ROE) | 12.9412% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.9412% | 390 |
| Net charge-offs to loans | 0.4843% | 1,360 |
| Credit loss provision to net charge-offs | 133.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,177 |
| Efficiency ratio | 81.6794% | 1,933 |
| Assets per employee ($millions) | 2.6395% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7960% | 708 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 3.9513% | 883 |
| Noncurrent loans to loans | 3.3552% | 1,292 |
| Net loans and leases to total assets | 37.9644% | 6,181 |
| Net loans and leases to deposits | 40.3663% | 6,393 |
| Net loans and leases to core deposits | 41.7637% | 6,412 |
| Total domestic deposits to total assets | 94.0496% | 59 |
| Equity capital to assets | 4.2277% | 6,860 |
| Core capital (leverage) ratio | 4.2839% | 6,867 |
| Tier 1 risk-based capital ratio | 8.4444% | 6,791 |
| Total risk-based capital ratio | 9.7022% | 6,792 |
| Memoranda: | ||
| Average total assets | $46,140,330 | 6,229 |
| Average earning assets | $40,689,670 | 6,265 |
| Average equity | $2,380,000 | 6,771 |
| Average total loans | $18,584,670 | 6,372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 2,469 |
| Cost of funding earning assets | 0.6099% | 3,015 |
| Net interest margin | 3.8046% | 2,434 |
| Noninterest income to average assets | 0.4019% | 4,439 |
| Noninterest expense to average assets | 3.8739% | 1,028 |
| Loan and lease loss provision to assets | 0.2565% | 1,388 |
| Net operating income to assets | -0.3677% | 6,611 |
| Return on assets (ROA) | -0.2822% | 6,602 |
| Pretax return on assets | -0.2822% | 6,596 |
| Return on Equity (ROE) | -5.0353% | 6,697 |
| Retained earnings to average equity (ytd only) | -5.0353% | 6,367 |
| Net charge-offs to loans | 0.3976% | 1,460 |
| Credit loss provision to net charge-offs | 157.8947% | 1,313 |
| Earnings coverage of net charge-offs (x) | -0.6842% | 3,941 |
| Efficiency ratio | 102.9545% | 457 |
| Assets per employee ($millions) | 2.6003% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5824% | 1,028 |
| Loan loss allowance to noncurrent loans | 68.3544% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.5807% | 1,176 |
| Noncurrent loans to loans | 3.7779% | 1,224 |
| Net loans and leases to total assets | 39.1702% | 6,068 |
| Net loans and leases to deposits | 41.6947% | 6,339 |
| Net loans and leases to core deposits | 43.0740% | 6,360 |
| Total domestic deposits to total assets | 93.9452% | 75 |
| Equity capital to assets | 5.4352% | 6,868 |
| Core capital (leverage) ratio | 4.5890% | 6,901 |
| Tier 1 risk-based capital ratio | 9.0310% | 6,810 |
| Total risk-based capital ratio | 10.2885% | 6,808 |
| Memoranda: | ||
| Average total assets | $46,775,000 | 6,276 |
| Average earning assets | $41,318,000 | 6,301 |
| Average equity | $2,621,500 | 6,795 |
| Average total loans | $19,114,500 | 6,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 1,704 |
| Cost of funding earning assets | 0.8773% | 2,083 |
| Net interest margin | 4.0672% | 2,129 |
| Noninterest income to average assets | 0.2455% | 5,698 |
| Noninterest expense to average assets | 4.2340% | 732 |
| Loan and lease loss provision to assets | 1.2085% | 298 |
| Net operating income to assets | -1.2762% | 6,815 |
| Return on assets (ROA) | -0.8092% | 6,700 |
| Pretax return on assets | -1.0569% | 6,747 |
| Return on Equity (ROE) | -14.3376% | 6,814 |
| Retained earnings to average equity (ytd only) | -14.3376% | 6,762 |
| Net charge-offs to loans | 3.0443% | 160 |
| Credit loss provision to net charge-offs | 85.8877% | 3,634 |
| Earnings coverage of net charge-offs (x) | -0.3232% | 5,620 |
| Efficiency ratio | 112.0339% | 303 |
| Assets per employee ($millions) | 2.2259% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4473% | 1,184 |
| Loan loss allowance to noncurrent loans | 66.9014% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 3.7288% | 1,192 |
| Noncurrent loans to loans | 3.6581% | 1,339 |
| Net loans and leases to total assets | 40.5057% | 6,141 |
| Net loans and leases to deposits | 43.2649% | 6,411 |
| Net loans and leases to core deposits | 45.3151% | 6,404 |
| Total domestic deposits to total assets | 93.6227% | 86 |
| Equity capital to assets | 5.7740% | 6,904 |
| Core capital (leverage) ratio | 4.9350% | 6,938 |
| Tier 1 risk-based capital ratio | 9.1292% | 6,843 |
| Total risk-based capital ratio | 10.3923% | 6,837 |
| Memoranda: | ||
| Average total assets | $46,834,600 | 6,301 |
| Average earning assets | $40,691,600 | 6,336 |
| Average equity | $2,643,400 | 6,853 |
| Average total loans | $21,647,000 | 6,352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 1,753 |
| Cost of funding earning assets | 0.9251% | 2,013 |
| Net interest margin | 4.0516% | 2,284 |
| Noninterest income to average assets | 0.3329% | 5,141 |
| Noninterest expense to average assets | 4.3478% | 630 |
| Loan and lease loss provision to assets | 1.4000% | 235 |
| Net operating income to assets | -1.9008% | 7,028 |
| Return on assets (ROA) | -1.3829% | 6,960 |
| Pretax return on assets | -1.3829% | 6,938 |
| Return on Equity (ROE) | -24.6427% | 7,033 |
| Retained earnings to average equity (ytd only) | -24.6427% | 7,022 |
| Net charge-offs to loans | 3.7466% | 102 |
| Credit loss provision to net charge-offs | 78.8462% | 3,657 |
| Earnings coverage of net charge-offs (x) | -0.2821% | 5,439 |
| Efficiency ratio | 113.0178% | 254 |
| Assets per employee ($millions) | 2.0822% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 2,102 |
| Loan loss allowance to noncurrent loans | 75.7840% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 4.0708% | 1,186 |
| Noncurrent loans to loans | 2.6699% | 2,120 |
| Net loans and leases to total assets | 48.1727% | 5,528 |
| Net loans and leases to deposits | 51.7785% | 5,990 |
| Net loans and leases to core deposits | 53.6868% | 6,070 |
| Total domestic deposits to total assets | 93.0362% | 109 |
| Equity capital to assets | 5.9530% | 6,991 |
| Core capital (leverage) ratio | 5.0293% | 7,026 |
| Tier 1 risk-based capital ratio | 9.3203% | 6,918 |
| Total risk-based capital ratio | 10.5780% | 6,915 |
| Memoranda: | ||
| Average total assets | $46,857,250 | 6,369 |
| Average earning assets | $40,641,750 | 6,412 |
| Average equity | $2,629,500 | 6,940 |
| Average total loans | $22,206,500 | 6,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 1,910 |
| Cost of funding earning assets | 0.9556% | 2,032 |
| Net interest margin | 4.0008% | 2,500 |
| Noninterest income to average assets | -0.0877% | 7,081 |
| Noninterest expense to average assets | 4.2170% | 713 |
| Loan and lease loss provision to assets | 1.9290% | 155 |
| Net operating income to assets | -2.7724% | 7,140 |
| Return on assets (ROA) | -2.6262% | 7,138 |
| Pretax return on assets | -2.6262% | 7,127 |
| Return on Equity (ROE) | -47.6817% | 7,161 |
| Retained earnings to average equity (ytd only) | -47.6817% | 7,156 |
| Net charge-offs to loans | 0.9179% | 1,203 |
| Credit loss provision to net charge-offs | 448.5437% | 665 |
| Earnings coverage of net charge-offs (x) | -1.9612% | 5,379 |
| Efficiency ratio | 125.0000% | 198 |
| Assets per employee ($millions) | 2.2203% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1857% | 303 |
| Loan loss allowance to noncurrent loans | 66.4040% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 4.6626% | 1,044 |
| Noncurrent loans to loans | 6.3033% | 679 |
| Net loans and leases to total assets | 45.5111% | 5,862 |
| Net loans and leases to deposits | 48.8816% | 6,256 |
| Net loans and leases to core deposits | 51.2103% | 6,287 |
| Total domestic deposits to total assets | 93.1047% | 122 |
| Equity capital to assets | 5.2031% | 7,090 |
| Core capital (leverage) ratio | 4.4507% | 7,102 |
| Tier 1 risk-based capital ratio | 7.8685% | 7,049 |
| Total risk-based capital ratio | 9.1444% | 7,049 |
| Memoranda: | ||
| Average total assets | $47,901,000 | 6,384 |
| Average earning assets | $41,441,330 | 6,433 |
| Average equity | $2,638,330 | 6,981 |
| Average total loans | $22,442,330 | 6,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 2,745 |
| Cost of funding earning assets | 0.9833% | 2,082 |
| Net interest margin | 3.7901% | 3,435 |
| Noninterest income to average assets | -0.8900% | 7,277 |
| Noninterest expense to average assets | 4.3924% | 599 |
| Loan and lease loss provision to assets | 3.5601% | 43 |
| Net operating income to assets | -5.5708% | 7,276 |
| Return on assets (ROA) | -5.4390% | 7,277 |
| Pretax return on assets | -5.4390% | 7,277 |
| Return on Equity (ROE) | -96.1924% | 7,266 |
| Retained earnings to average equity (ytd only) | -96.1924% | 7,262 |
| Net charge-offs to loans | 1.2926% | 788 |
| Credit loss provision to net charge-offs | 591.7808% | 577 |
| Earnings coverage of net charge-offs (x) | -3.3425% | 4,647 |
| Efficiency ratio | 184.4291% | 53 |
| Assets per employee ($millions) | 2.0971% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2689% | 301 |
| Loan loss allowance to noncurrent loans | 51.9910% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 5.4714% | 902 |
| Noncurrent loans to loans | 8.2109% | 459 |
| Net loans and leases to total assets | 43.0991% | 6,092 |
| Net loans and leases to deposits | 46.2069% | 6,416 |
| Net loans and leases to core deposits | 48.3228% | 6,438 |
| Total domestic deposits to total assets | 93.2743% | 122 |
| Equity capital to assets | 4.9676% | 7,141 |
| Core capital (leverage) ratio | 4.2539% | 7,162 |
| Tier 1 risk-based capital ratio | 7.6680% | 7,103 |
| Total risk-based capital ratio | 8.9498% | 7,103 |
| Memoranda: | ||
| Average total assets | $48,538,500 | 6,416 |
| Average earning assets | $41,898,500 | 6,456 |
| Average equity | $2,744,500 | 7,014 |
| Average total loans | $22,590,000 | 6,483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0580% | 2,617 |
| Cost of funding earning assets | 1.2398% | 1,785 |
| Net interest margin | 3.8182% | 3,731 |
| Noninterest income to average assets | 0.6746% | 2,759 |
| Noninterest expense to average assets | 4.3113% | 709 |
| Loan and lease loss provision to assets | 0.7359% | 1,381 |
| Net operating income to assets | -0.6846% | 6,597 |
| Return on assets (ROA) | -0.5703% | 6,579 |
| Pretax return on assets | -0.8790% | 6,681 |
| Return on Equity (ROE) | -9.0602% | 6,715 |
| Retained earnings to average equity (ytd only) | -9.0602% | 6,673 |
| Net charge-offs to loans | 2.0490% | 667 |
| Credit loss provision to net charge-offs | 68.1818% | 4,923 |
| Earnings coverage of net charge-offs (x) | -0.2955% | 6,003 |
| Efficiency ratio | 107.9877% | 477 |
| Assets per employee ($millions) | 2.0352% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4206% | 1,426 |
| Loan loss allowance to noncurrent loans | 30.3257% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 6.8668% | 672 |
| Noncurrent loans to loans | 7.9821% | 500 |
| Net loans and leases to total assets | 46.8778% | 5,931 |
| Net loans and leases to deposits | 50.4984% | 6,324 |
| Net loans and leases to core deposits | 52.9729% | 6,369 |
| Total domestic deposits to total assets | 92.8302% | 146 |
| Equity capital to assets | 6.3324% | 7,058 |
| Core capital (leverage) ratio | 6.7556% | 6,931 |
| Tier 1 risk-based capital ratio | 10.7593% | 6,576 |
| Total risk-based capital ratio | 11.9816% | 6,566 |
| Memoranda: | ||
| Average total assets | $48,917,600 | 6,393 |
| Average earning assets | $42,506,800 | 6,442 |
| Average equity | $3,079,400 | 6,992 |
| Average total loans | $25,768,800 | 6,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 2,943 |
| Cost of funding earning assets | 1.2744% | 1,844 |
| Net interest margin | 3.7544% | 4,091 |
| Noninterest income to average assets | 0.7329% | 2,401 |
| Noninterest expense to average assets | 4.0705% | 924 |
| Loan and lease loss provision to assets | 0.8582% | 1,065 |
| Net operating income to assets | -0.5449% | 6,658 |
| Return on assets (ROA) | -0.5449% | 6,704 |
| Pretax return on assets | -0.9209% | 6,844 |
| Return on Equity (ROE) | -8.6691% | 6,853 |
| Retained earnings to average equity (ytd only) | -8.6691% | 6,807 |
| Net charge-offs to loans | 2.6570% | 398 |
| Credit loss provision to net charge-offs | 60.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.0438% | 5,632 |
| Efficiency ratio | 101.5636% | 616 |
| Assets per employee ($millions) | 1.9585% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 2,095 |
| Loan loss allowance to noncurrent loans | 27.8013% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 7.0292% | 700 |
| Noncurrent loans to loans | 7.5097% | 626 |
| Net loans and leases to total assets | 52.4806% | 5,389 |
| Net loans and leases to deposits | 56.7341% | 5,954 |
| Net loans and leases to core deposits | 57.4275% | 6,178 |
| Total domestic deposits to total assets | 92.5028% | 161 |
| Equity capital to assets | 6.6292% | 7,115 |
| Core capital (leverage) ratio | 6.6345% | 7,046 |
| Tier 1 risk-based capital ratio | 10.3344% | 6,847 |
| Total risk-based capital ratio | 11.5589% | 6,841 |
| Memoranda: | ||
| Average total assets | $48,936,000 | 6,454 |
| Average earning assets | $42,686,500 | 6,493 |
| Average equity | $3,076,000 | 7,053 |
| Average total loans | $26,344,750 | 6,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 3,167 |
| Cost of funding earning assets | 1.2887% | 2,012 |
| Net interest margin | 3.7095% | 4,216 |
| Noninterest income to average assets | 0.6333% | 2,929 |
| Noninterest expense to average assets | 4.1509% | 873 |
| Loan and lease loss provision to assets | 1.2707% | 590 |
| Net operating income to assets | -0.9657% | 6,934 |
| Return on assets (ROA) | -0.9399% | 6,931 |
| Pretax return on assets | -1.4966% | 7,069 |
| Return on Equity (ROE) | -15.2155% | 7,071 |
| Retained earnings to average equity (ytd only) | -15.2155% | 7,044 |
| Net charge-offs to loans | 2.1101% | 617 |
| Credit loss provision to net charge-offs | 111.7021% | 2,743 |
| Earnings coverage of net charge-offs (x) | -0.2340% | 5,424 |
| Efficiency ratio | 106.8536% | 540 |
| Assets per employee ($millions) | 2.0112% | 7,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9966% | 901 |
| Loan loss allowance to noncurrent loans | 40.6448% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 6.0577% | 925 |
| Noncurrent loans to loans | 7.3728% | 665 |
| Net loans and leases to total assets | 51.5714% | 5,620 |
| Net loans and leases to deposits | 55.4879% | 6,177 |
| Net loans and leases to core deposits | 58.6297% | 6,223 |
| Total domestic deposits to total assets | 92.9416% | 134 |
| Equity capital to assets | 6.2338% | 7,215 |
| Core capital (leverage) ratio | 6.3814% | 7,145 |
| Tier 1 risk-based capital ratio | 10.1479% | 6,938 |
| Total risk-based capital ratio | 11.3858% | 6,929 |
| Memoranda: | ||
| Average total assets | $49,580,000 | 6,492 |
| Average earning assets | $43,455,670 | 6,524 |
| Average equity | $3,062,670 | 7,113 |
| Average total loans | $26,728,330 | 6,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 2,231 |
| Cost of funding earning assets | 1.3242% | 2,045 |
| Net interest margin | 3.8728% | 3,284 |
| Noninterest income to average assets | 0.8122% | 1,983 |
| Noninterest expense to average assets | 4.0927% | 927 |
| Loan and lease loss provision to assets | 0.3583% | 2,407 |
| Net operating income to assets | 0.8679% | 2,710 |
| Return on assets (ROA) | 0.8679% | 2,768 |
| Pretax return on assets | -0.2389% | 6,565 |
| Return on Equity (ROE) | 14.1123% | 970 |
| Retained earnings to average equity (ytd only) | 14.1123% | 463 |
| Net charge-offs to loans | 2.0835% | 604 |
| Credit loss provision to net charge-offs | 31.6901% | 4,090 |
| Earnings coverage of net charge-offs (x) | 0.1056% | 4,519 |
| Efficiency ratio | 97.1645% | 868 |
| Assets per employee ($millions) | 2.0895% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4004% | 1,605 |
| Loan loss allowance to noncurrent loans | 37.2378% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 4.4529% | 1,457 |
| Noncurrent loans to loans | 6.4460% | 935 |
| Net loans and leases to total assets | 51.8117% | 5,606 |
| Net loans and leases to deposits | 55.8440% | 6,144 |
| Net loans and leases to core deposits | 57.5689% | 6,296 |
| Total domestic deposits to total assets | 92.7792% | 153 |
| Equity capital to assets | 6.2257% | 7,260 |
| Core capital (leverage) ratio | 6.8759% | 7,053 |
| Tier 1 risk-based capital ratio | 10.6394% | 6,726 |
| Total risk-based capital ratio | 11.8707% | 6,721 |
| Memoranda: | ||
| Average total assets | $50,235,500 | 6,525 |
| Average earning assets | $44,102,000 | 6,556 |
| Average equity | $3,089,500 | 7,141 |
| Average total loans | $27,261,500 | 6,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3902% | 2,718 |
| Cost of funding earning assets | 1.6709% | 1,725 |
| Net interest margin | 3.7193% | 4,272 |
| Noninterest income to average assets | 0.7222% | 2,696 |
| Noninterest expense to average assets | 4.4542% | 683 |
| Loan and lease loss provision to assets | 0.7203% | 2,278 |
| Net operating income to assets | -1.1601% | 6,768 |
| Return on assets (ROA) | -1.1601% | 6,787 |
| Pretax return on assets | -1.1601% | 6,722 |
| Return on Equity (ROE) | -17.2473% | 6,982 |
| Retained earnings to average equity (ytd only) | -17.2473% | 6,950 |
| Net charge-offs to loans | 0.8789% | 2,435 |
| Credit loss provision to net charge-offs | 143.6782% | 2,597 |
| Earnings coverage of net charge-offs (x) | -0.8774% | 6,575 |
| Efficiency ratio | 110.9569% | 520 |
| Assets per employee ($millions) | 2.0130% | 7,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6342% | 1,248 |
| Loan loss allowance to noncurrent loans | 36.8052% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 4.9022% | 1,316 |
| Noncurrent loans to loans | 7.1572% | 778 |
| Net loans and leases to total assets | 53.9842% | 5,636 |
| Net loans and leases to deposits | 57.9884% | 6,256 |
| Net loans and leases to core deposits | 59.0998% | 6,468 |
| Total domestic deposits to total assets | 93.0947% | 135 |
| Equity capital to assets | 6.0746% | 7,333 |
| Core capital (leverage) ratio | 6.6435% | 7,161 |
| Tier 1 risk-based capital ratio | 10.3505% | 6,791 |
| Total risk-based capital ratio | 11.6033% | 6,769 |
| Memoranda: | ||
| Average total assets | $52,063,600 | 6,460 |
| Average earning assets | $46,083,400 | 6,510 |
| Average equity | $3,502,000 | 7,135 |
| Average total loans | $29,695,600 | 6,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 2,805 |
| Cost of funding earning assets | 1.7026% | 1,867 |
| Net interest margin | 3.7154% | 4,328 |
| Noninterest income to average assets | 0.6654% | 3,039 |
| Noninterest expense to average assets | 3.9340% | 1,150 |
| Loan and lease loss provision to assets | 0.9524% | 1,571 |
| Net operating income to assets | -0.9346% | 6,866 |
| Return on assets (ROA) | -0.9346% | 6,909 |
| Pretax return on assets | -0.9346% | 6,825 |
| Return on Equity (ROE) | -13.5792% | 7,057 |
| Retained earnings to average equity (ytd only) | -13.5792% | 7,024 |
| Net charge-offs to loans | 0.9598% | 2,079 |
| Credit loss provision to net charge-offs | 172.8111% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.0322% | 5,997 |
| Efficiency ratio | 99.5501% | 757 |
| Assets per employee ($millions) | 2.0212% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7092% | 1,076 |
| Loan loss allowance to noncurrent loans | 36.2832% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 5.5275% | 1,116 |
| Noncurrent loans to loans | 7.4668% | 722 |
| Net loans and leases to total assets | 55.3642% | 5,644 |
| Net loans and leases to deposits | 60.0373% | 6,313 |
| Net loans and leases to core deposits | 64.0893% | 6,294 |
| Total domestic deposits to total assets | 92.2164% | 161 |
| Equity capital to assets | 7.0138% | 7,340 |
| Core capital (leverage) ratio | 7.1645% | 7,079 |
| Tier 1 risk-based capital ratio | 11.0308% | 6,347 |
| Total risk-based capital ratio | 12.2781% | 6,329 |
| Memoranda: | ||
| Average total assets | $52,498,500 | 6,518 |
| Average earning assets | $46,436,750 | 6,579 |
| Average equity | $3,613,250 | 7,198 |
| Average total loans | $30,144,000 | 6,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4050% | 2,956 |
| Cost of funding earning assets | 1.7053% | 2,096 |
| Net interest margin | 3.6997% | 4,369 |
| Noninterest income to average assets | 0.6585% | 2,963 |
| Noninterest expense to average assets | 3.9206% | 1,155 |
| Loan and lease loss provision to assets | 1.4110% | 945 |
| Net operating income to assets | -1.3997% | 7,121 |
| Return on assets (ROA) | -1.3395% | 7,109 |
| Pretax return on assets | -1.3395% | 7,031 |
| Return on Equity (ROE) | -19.5802% | 7,267 |
| Retained earnings to average equity (ytd only) | -19.5802% | 7,245 |
| Net charge-offs to loans | 0.6600% | 2,566 |
| Credit loss provision to net charge-offs | 371.2871% | 985 |
| Earnings coverage of net charge-offs (x) | 0.0297% | 5,687 |
| Efficiency ratio | 99.7129% | 813 |
| Assets per employee ($millions) | 2.0584% | 7,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9859% | 829 |
| Loan loss allowance to noncurrent loans | 34.8385% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 5.8414% | 1,023 |
| Noncurrent loans to loans | 8.5708% | 576 |
| Net loans and leases to total assets | 56.5080% | 5,622 |
| Net loans and leases to deposits | 61.1970% | 6,290 |
| Net loans and leases to core deposits | 62.4120% | 6,516 |
| Total domestic deposits to total assets | 92.3377% | 172 |
| Equity capital to assets | 7.0152% | 7,344 |
| Core capital (leverage) ratio | 6.8981% | 7,243 |
| Tier 1 risk-based capital ratio | 10.6165% | 6,595 |
| Total risk-based capital ratio | 11.8624% | 6,599 |
| Memoranda: | ||
| Average total assets | $53,155,000 | 6,544 |
| Average earning assets | $47,030,670 | 6,588 |
| Average equity | $3,636,330 | 7,229 |
| Average total loans | $30,607,330 | 6,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 1,995 |
| Cost of funding earning assets | 1.7268% | 2,256 |
| Net interest margin | 3.9107% | 3,281 |
| Noninterest income to average assets | 0.6074% | 3,232 |
| Noninterest expense to average assets | 3.8220% | 1,294 |
| Loan and lease loss provision to assets | 2.7776% | 370 |
| Net operating income to assets | -2.5703% | 7,569 |
| Return on assets (ROA) | -2.5703% | 7,570 |
| Pretax return on assets | -2.5703% | 7,524 |
| Return on Equity (ROE) | -38.0326% | 7,641 |
| Retained earnings to average equity (ytd only) | -38.0326% | 7,624 |
| Net charge-offs to loans | 0.0388% | 5,034 |
| Credit loss provision to net charge-offs | 12,500.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,868 |
| Efficiency ratio | 94.8529% | 1,088 |
| Assets per employee ($millions) | 2.1275% | 7,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3304% | 620 |
| Loan loss allowance to noncurrent loans | 41.8987% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 5.6911% | 1,074 |
| Noncurrent loans to loans | 7.9488% | 680 |
| Net loans and leases to total assets | 54.1908% | 6,006 |
| Net loans and leases to deposits | 58.5049% | 6,587 |
| Net loans and leases to core deposits | 59.6206% | 6,776 |
| Total domestic deposits to total assets | 92.6262% | 153 |
| Equity capital to assets | 6.6575% | 7,493 |
| Core capital (leverage) ratio | 6.9699% | 7,272 |
| Tier 1 risk-based capital ratio | 10.2501% | 6,844 |
| Total risk-based capital ratio | 11.4810% | 6,854 |
| Memoranda: | ||
| Average total assets | $54,002,500 | 6,604 |
| Average earning assets | $47,255,000 | 6,656 |
| Average equity | $3,649,500 | 7,303 |
| Average total loans | $30,924,000 | 6,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7202% | 3,007 |
| Cost of funding earning assets | 2.0518% | 2,713 |
| Net interest margin | 3.6684% | 4,263 |
| Noninterest income to average assets | 0.7505% | 2,676 |
| Noninterest expense to average assets | 4.6118% | 709 |
| Loan and lease loss provision to assets | 1.0448% | 2,193 |
| Net operating income to assets | -1.2152% | 6,719 |
| Return on assets (ROA) | -0.8813% | 6,497 |
| Pretax return on assets | -1.1829% | 6,532 |
| Return on Equity (ROE) | -11.8634% | 6,757 |
| Retained earnings to average equity (ytd only) | -11.8634% | 6,668 |
| Net charge-offs to loans | 2.5239% | 915 |
| Credit loss provision to net charge-offs | 69.3607% | 6,500 |
| Earnings coverage of net charge-offs (x) | -0.3872% | 6,620 |
| Efficiency ratio | 114.4790% | 701 |
| Assets per employee ($millions) | 2.1083% | 7,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 2,172 |
| Loan loss allowance to noncurrent loans | 28.9106% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 5.0149% | 1,226 |
| Noncurrent loans to loans | 6.7058% | 883 |
| Net loans and leases to total assets | 57.3016% | 5,776 |
| Net loans and leases to deposits | 61.9620% | 6,473 |
| Net loans and leases to core deposits | 82.9662% | 5,820 |
| Total domestic deposits to total assets | 92.4786% | 183 |
| Equity capital to assets | 6.8555% | 7,443 |
| Core capital (leverage) ratio | 7.5532% | 6,734 |
| Tier 1 risk-based capital ratio | 10.6407% | 6,259 |
| Total risk-based capital ratio | 11.8769% | 6,248 |
| Memoranda: | ||
| Average total assets | $55,032,200 | 6,529 |
| Average earning assets | $49,177,000 | 6,556 |
| Average equity | $4,088,200 | 7,252 |
| Average total loans | $32,845,600 | 6,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8863% | 2,506 |
| Cost of funding earning assets | 2.1238% | 2,782 |
| Net interest margin | 3.7625% | 3,807 |
| Noninterest income to average assets | 0.6898% | 3,090 |
| Noninterest expense to average assets | 4.6423% | 641 |
| Loan and lease loss provision to assets | 0.7624% | 2,462 |
| Net operating income to assets | -1.3361% | 7,030 |
| Return on assets (ROA) | -0.7576% | 6,663 |
| Pretax return on assets | -0.7576% | 6,521 |
| Return on Equity (ROE) | -10.0059% | 6,895 |
| Retained earnings to average equity (ytd only) | -10.0059% | 6,805 |
| Net charge-offs to loans | 2.5255% | 726 |
| Credit loss provision to net charge-offs | 50.3195% | 6,300 |
| Earnings coverage of net charge-offs (x) | -0.3786% | 6,410 |
| Efficiency ratio | 114.0988% | 693 |
| Assets per employee ($millions) | 2.0457% | 7,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 2,494 |
| Loan loss allowance to noncurrent loans | 25.3597% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 5.1760% | 1,124 |
| Noncurrent loans to loans | 6.8509% | 797 |
| Net loans and leases to total assets | 59.9741% | 5,582 |
| Net loans and leases to deposits | 67.9179% | 6,130 |
| Net loans and leases to core deposits | 94.8331% | 4,951 |
| Total domestic deposits to total assets | 88.3038% | 1,513 |
| Equity capital to assets | 7.5261% | 7,277 |
| Core capital (leverage) ratio | 7.7822% | 6,629 |
| Tier 1 risk-based capital ratio | 11.1517% | 5,810 |
| Total risk-based capital ratio | 12.3850% | 5,771 |
| Memoranda: | ||
| Average total assets | $55,086,000 | 6,575 |
| Average earning assets | $49,469,750 | 6,595 |
| Average equity | $4,170,750 | 7,292 |
| Average total loans | $33,049,000 | 6,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9091% | 2,545 |
| Cost of funding earning assets | 2.1993% | 2,796 |
| Net interest margin | 3.7098% | 3,912 |
| Noninterest income to average assets | 0.6641% | 3,239 |
| Noninterest expense to average assets | 5.0252% | 503 |
| Loan and lease loss provision to assets | 0.9979% | 1,685 |
| Net operating income to assets | -2.0532% | 7,443 |
| Return on assets (ROA) | -1.7624% | 7,338 |
| Pretax return on assets | -1.7624% | 7,199 |
| Return on Equity (ROE) | -23.2334% | 7,597 |
| Retained earnings to average equity (ytd only) | -23.2334% | 7,557 |
| Net charge-offs to loans | 3.4051% | 461 |
| Credit loss provision to net charge-offs | 49.1166% | 5,780 |
| Earnings coverage of net charge-offs (x) | -0.5194% | 6,085 |
| Efficiency ratio | 126.5823% | 561 |
| Assets per employee ($millions) | 1.9309% | 7,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 2,092 |
| Loan loss allowance to noncurrent loans | 27.5716% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 4.4779% | 1,249 |
| Noncurrent loans to loans | 6.4733% | 820 |
| Net loans and leases to total assets | 59.7455% | 5,722 |
| Net loans and leases to deposits | 64.8400% | 6,487 |
| Net loans and leases to core deposits | 93.4124% | 5,183 |
| Total domestic deposits to total assets | 92.1429% | 191 |
| Equity capital to assets | 7.1912% | 7,491 |
| Core capital (leverage) ratio | 7.2196% | 7,338 |
| Tier 1 risk-based capital ratio | 10.9574% | 5,920 |
| Total risk-based capital ratio | 12.1962% | 5,875 |
| Memoranda: | ||
| Average total assets | $55,718,670 | 6,605 |
| Average earning assets | $49,652,330 | 6,646 |
| Average equity | $4,226,670 | 7,328 |
| Average total loans | $33,244,330 | 6,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 2,804 |
| Cost of funding earning assets | 2.2466% | 2,930 |
| Net interest margin | 3.6517% | 4,091 |
| Noninterest income to average assets | 0.6720% | 3,058 |
| Noninterest expense to average assets | 4.4354% | 759 |
| Loan and lease loss provision to assets | 1.4502% | 874 |
| Net operating income to assets | -1.9595% | 7,648 |
| Return on assets (ROA) | -1.8180% | 7,614 |
| Pretax return on assets | -1.8180% | 7,479 |
| Return on Equity (ROE) | -23.3849% | 7,817 |
| Retained earnings to average equity (ytd only) | -23.3849% | 7,731 |
| Net charge-offs to loans | 4.7155% | 234 |
| Credit loss provision to net charge-offs | 52.0305% | 4,645 |
| Earnings coverage of net charge-offs (x) | -0.1827% | 5,122 |
| Efficiency ratio | 112.9730% | 749 |
| Assets per employee ($millions) | 2.0965% | 7,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 1,284 |
| Loan loss allowance to noncurrent loans | 46.1279% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.6994% | 2,109 |
| Noncurrent loans to loans | 4.4925% | 1,277 |
| Net loans and leases to total assets | 57.1858% | 6,071 |
| Net loans and leases to deposits | 62.4168% | 6,701 |
| Net loans and leases to core deposits | 86.7108% | 5,854 |
| Total domestic deposits to total assets | 91.6191% | 247 |
| Equity capital to assets | 7.5983% | 7,263 |
| Core capital (leverage) ratio | 7.3119% | 7,370 |
| Tier 1 risk-based capital ratio | 11.5078% | 5,409 |
| Total risk-based capital ratio | 12.7364% | 5,321 |
| Memoranda: | ||
| Average total assets | $56,545,000 | 6,603 |
| Average earning assets | $50,388,000 | 6,644 |
| Average equity | $4,396,000 | 7,321 |
| Average total loans | $33,422,000 | 6,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6721% | 299 |
| Cost of funding earning assets | 2.6848% | 3,230 |
| Net interest margin | 4.9872% | 526 |
| Noninterest income to average assets | 0.7552% | 2,754 |
| Noninterest expense to average assets | 3.8158% | 1,728 |
| Loan and lease loss provision to assets | 1.5777% | 839 |
| Net operating income to assets | -0.1931% | 6,615 |
| Return on assets (ROA) | -0.1190% | 6,372 |
| Pretax return on assets | -0.1121% | 6,284 |
| Return on Equity (ROE) | -1.4828% | 6,432 |
| Retained earnings to average equity (ytd only) | -5.4799% | 6,581 |
| Net charge-offs to loans | 1.7379% | 636 |
| Credit loss provision to net charge-offs | 158.5789% | 3,269 |
| Earnings coverage of net charge-offs (x) | 1.3986% | 5,425 |
| Efficiency ratio | 73.2781% | 3,698 |
| Assets per employee ($millions) | 2.0920% | 7,831 |
| Cash dividends to net income (ytd only)* | -269.5652% | 8,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5896% | 618 |
| Loan loss allowance to noncurrent loans | 42.5584% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.7160% | 1,163 |
| Noncurrent loans to loans | 6.0848% | 579 |
| Net loans and leases to total assets | 58.2703% | 6,164 |
| Net loans and leases to deposits | 63.8276% | 6,813 |
| Net loans and leases to core deposits | 91.1720% | 5,704 |
| Total domestic deposits to total assets | 91.2933% | 249 |
| Equity capital to assets | 7.9508% | 6,906 |
| Core capital (leverage) ratio | 7.8106% | 6,783 |
| Tier 1 risk-based capital ratio | 11.9356% | 4,876 |
| Total risk-based capital ratio | 13.1643% | 4,790 |
| Memoranda: | ||
| Average total assets | $57,995,800 | 6,455 |
| Average earning assets | $51,772,200 | 6,516 |
| Average equity | $4,653,400 | 7,274 |
| Average total loans | $33,200,800 | 6,530 |