Home > Flagship Bank Winsted > Performance and Condition Ratios
Flagship Bank Winsted, Performance and Condition Ratios
| 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 | 3.7341% | 5,043 |
| Cost of funding earning assets | 0.3406% | 5,634 |
| Net interest margin | 3.3935% | 4,141 |
| Noninterest income to average assets | -3.8389% | 7,018 |
| Noninterest expense to average assets | 3.6648% | 1,305 |
| Loan and lease loss provision to assets | 4.0027% | 15 |
| Net operating income to assets | -5.0980% | 6,999 |
| Return on assets (ROA) | -5.0980% | 6,999 |
| Pretax return on assets | -8.6503% | 7,010 |
| Return on Equity (ROE) | -57.1101% | 6,977 |
| Retained earnings to average equity (ytd only) | -57.1101% | 6,971 |
| Net charge-offs to loans | 4.7620% | 48 |
| Credit loss provision to net charge-offs | 173.0088% | 1,220 |
| Earnings coverage of net charge-offs (x) | -2.0088% | 4,020 |
| Efficiency ratio | -372.9167% | 7,017 |
| Assets per employee ($millions) | 3.9053% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5490% | 189 |
| Loan loss allowance to noncurrent loans | 472.0930% | 904 |
| Noncurrent assets plus other real estate owned to assets | 1.8641% | 2,523 |
| Noncurrent loans to loans | 0.9636% | 4,210 |
| Net loans and leases to total assets | 43.6279% | 5,702 |
| Net loans and leases to deposits | 48.2581% | 5,905 |
| Net loans and leases to core deposits | 48.2581% | 6,084 |
| Total domestic deposits to total assets | 90.4053% | 813 |
| Equity capital to assets | 8.2811% | 6,201 |
| Core capital (leverage) ratio | 5.9855% | 6,807 |
| Tier 1 risk-based capital ratio | 11.4036% | 6,237 |
| Total risk-based capital ratio | 12.6874% | 6,188 |
| Memoranda: | ||
| Average total assets | $39,074,000 | 6,491 |
| Average earning assets | $32,886,000 | 6,555 |
| Average equity | $3,488,000 | 6,627 |
| Average total loans | $18,983,500 | 6,409 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 3,691 |
| Cost of funding earning assets | 0.4568% | 5,528 |
| Net interest margin | 3.9761% | 2,487 |
| Noninterest income to average assets | 1.7064% | 561 |
| Noninterest expense to average assets | 5.1726% | 340 |
| Loan and lease loss provision to assets | 0.4705% | 1,321 |
| Net operating income to assets | -0.7807% | 6,671 |
| Return on assets (ROA) | -0.7807% | 6,689 |
| Pretax return on assets | -0.6383% | 6,632 |
| Return on Equity (ROE) | -7.8328% | 6,677 |
| Retained earnings to average equity (ytd only) | -7.8328% | 6,564 |
| Net charge-offs to loans | 0.3541% | 2,861 |
| Credit loss provision to net charge-offs | 253.4247% | 952 |
| Earnings coverage of net charge-offs (x) | -0.9041% | 5,742 |
| Efficiency ratio | 101.8293% | 496 |
| Assets per employee ($millions) | 3.5541% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 542 |
| Loan loss allowance to noncurrent loans | 217.8451% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 3.3201% | 1,382 |
| Noncurrent loans to loans | 1.4764% | 3,383 |
| Net loans and leases to total assets | 49.8018% | 5,196 |
| Net loans and leases to deposits | 55.8744% | 5,457 |
| Net loans and leases to core deposits | 55.8744% | 5,720 |
| Total domestic deposits to total assets | 89.1316% | 1,482 |
| Equity capital to assets | 9.5716% | 4,793 |
| Core capital (leverage) ratio | 8.5533% | 5,536 |
| Tier 1 risk-based capital ratio | 14.3922% | 4,100 |
| Total risk-based capital ratio | 15.6606% | 4,045 |
| Memoranda: | ||
| Average total assets | $39,322,400 | 6,522 |
| Average earning assets | $32,620,000 | 6,590 |
| Average equity | $3,919,400 | 6,583 |
| Average total loans | $20,618,400 | 6,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 3,647 |
| Cost of funding earning assets | 0.4780% | 5,580 |
| Net interest margin | 4.0197% | 2,416 |
| Noninterest income to average assets | 2.2854% | 347 |
| Noninterest expense to average assets | 5.4952% | 268 |
| Loan and lease loss provision to assets | 0.5417% | 1,090 |
| Net operating income to assets | -0.2404% | 6,522 |
| Return on assets (ROA) | -0.2404% | 6,593 |
| Pretax return on assets | -0.4198% | 6,667 |
| Return on Equity (ROE) | -2.3881% | 6,593 |
| Retained earnings to average equity (ytd only) | -2.3881% | 6,435 |
| Net charge-offs to loans | 0.4628% | 2,250 |
| Credit loss provision to net charge-offs | 222.2222% | 1,249 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,070 |
| Efficiency ratio | 96.2025% | 669 |
| Assets per employee ($millions) | 2.4455% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0466% | 681 |
| Loan loss allowance to noncurrent loans | 182.1637% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 3.3352% | 1,521 |
| Noncurrent loans to loans | 1.6725% | 3,280 |
| Net loans and leases to total assets | 50.6696% | 5,225 |
| Net loans and leases to deposits | 57.4617% | 5,487 |
| Net loans and leases to core deposits | 57.4617% | 5,774 |
| Total domestic deposits to total assets | 88.1798% | 1,936 |
| Equity capital to assets | 10.2305% | 4,163 |
| Core capital (leverage) ratio | 7.9980% | 6,331 |
| Tier 1 risk-based capital ratio | 13.0567% | 5,203 |
| Total risk-based capital ratio | 14.3260% | 5,143 |
| Memoranda: | ||
| Average total assets | $39,379,250 | 6,602 |
| Average earning assets | $32,638,500 | 6,676 |
| Average equity | $3,963,750 | 6,655 |
| Average total loans | $20,743,750 | 6,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 3,796 |
| Cost of funding earning assets | 0.5150% | 5,517 |
| Net interest margin | 3.9788% | 2,596 |
| Noninterest income to average assets | 1.7079% | 520 |
| Noninterest expense to average assets | 5.2302% | 326 |
| Loan and lease loss provision to assets | 0.6082% | 974 |
| Net operating income to assets | -0.4865% | 6,728 |
| Return on assets (ROA) | -0.4865% | 6,768 |
| Pretax return on assets | -0.8413% | 6,859 |
| Return on Equity (ROE) | -4.8599% | 6,767 |
| Retained earnings to average equity (ytd only) | -4.8599% | 6,610 |
| Net charge-offs to loans | 0.3455% | 2,635 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | -1.2778% | 5,332 |
| Efficiency ratio | 102.8398% | 466 |
| Assets per employee ($millions) | 2.4751% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0343% | 752 |
| Loan loss allowance to noncurrent loans | 134.2733% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 3.7473% | 1,386 |
| Noncurrent loans to loans | 2.2598% | 2,665 |
| Net loans and leases to total assets | 49.9495% | 5,359 |
| Net loans and leases to deposits | 56.4349% | 5,603 |
| Net loans and leases to core deposits | 56.4349% | 5,907 |
| Total domestic deposits to total assets | 88.5082% | 1,807 |
| Equity capital to assets | 9.9414% | 4,434 |
| Core capital (leverage) ratio | 7.7529% | 6,481 |
| Tier 1 risk-based capital ratio | 12.8662% | 5,279 |
| Total risk-based capital ratio | 14.1344% | 5,242 |
| Memoranda: | ||
| Average total assets | $39,463,000 | 6,648 |
| Average earning assets | $32,622,670 | 6,719 |
| Average equity | $3,950,670 | 6,697 |
| Average total loans | $20,842,000 | 6,519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 3,986 |
| Cost of funding earning assets | 0.5529% | 5,479 |
| Net interest margin | 3.9317% | 2,797 |
| Noninterest income to average assets | 0.6397% | 2,990 |
| Noninterest expense to average assets | 5.4730% | 272 |
| Loan and lease loss provision to assets | 0.6092% | 936 |
| Net operating income to assets | -1.2896% | 7,049 |
| Return on assets (ROA) | -1.2896% | 7,064 |
| Pretax return on assets | -2.1933% | 7,152 |
| Return on Equity (ROE) | -12.8364% | 7,037 |
| Retained earnings to average equity (ytd only) | -12.8364% | 6,920 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.3812% | 139 |
| Assets per employee ($millions) | 2.4604% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8779% | 930 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 4.5419% | 1,171 |
| Noncurrent loans to loans | 4.2322% | 1,420 |
| Net loans and leases to total assets | 51.0072% | 5,157 |
| Net loans and leases to deposits | 57.5787% | 5,428 |
| Net loans and leases to core deposits | 57.5787% | 5,750 |
| Total domestic deposits to total assets | 88.5869% | 1,961 |
| Equity capital to assets | 9.8941% | 4,262 |
| Core capital (leverage) ratio | 7.8279% | 6,391 |
| Tier 1 risk-based capital ratio | 12.8067% | 5,353 |
| Total risk-based capital ratio | 14.0745% | 5,322 |
| Memoranda: | ||
| Average total assets | $39,393,500 | 6,704 |
| Average earning assets | $32,556,000 | 6,778 |
| Average equity | $3,957,500 | 6,729 |
| Average total loans | $21,063,000 | 6,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 3,323 |
| Cost of funding earning assets | 0.8240% | 4,681 |
| Net interest margin | 4.0817% | 2,518 |
| Noninterest income to average assets | 2.7127% | 237 |
| Noninterest expense to average assets | 5.3321% | 290 |
| Loan and lease loss provision to assets | 1.0802% | 844 |
| Net operating income to assets | -0.2011% | 6,259 |
| Return on assets (ROA) | -0.1571% | 6,281 |
| Pretax return on assets | -0.2504% | 6,320 |
| Return on Equity (ROE) | -1.5777% | 6,303 |
| Retained earnings to average equity (ytd only) | -1.5777% | 6,101 |
| Net charge-offs to loans | 2.3086% | 540 |
| Credit loss provision to net charge-offs | 79.5660% | 4,474 |
| Earnings coverage of net charge-offs (x) | 0.5606% | 5,412 |
| Efficiency ratio | 86.0596% | 1,560 |
| Assets per employee ($millions) | 2.4638% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 1,324 |
| Loan loss allowance to noncurrent loans | 66.1310% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.9442% | 1,085 |
| Noncurrent loans to loans | 3.7714% | 1,662 |
| Net loans and leases to total assets | 53.0594% | 5,162 |
| Net loans and leases to deposits | 60.1847% | 5,461 |
| Net loans and leases to core deposits | 60.1847% | 5,833 |
| Total domestic deposits to total assets | 88.1608% | 2,050 |
| Equity capital to assets | 10.1979% | 3,905 |
| Core capital (leverage) ratio | 8.2933% | 5,865 |
| Tier 1 risk-based capital ratio | 13.2289% | 4,890 |
| Total risk-based capital ratio | 14.4907% | 4,864 |
| Memoranda: | ||
| Average total assets | $40,734,800 | 6,648 |
| Average earning assets | $33,736,200 | 6,759 |
| Average equity | $4,056,600 | 6,737 |
| Average total loans | $23,953,800 | 6,468 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 3,228 |
| Cost of funding earning assets | 0.8764% | 4,576 |
| Net interest margin | 4.0965% | 2,490 |
| Noninterest income to average assets | 2.9937% | 218 |
| Noninterest expense to average assets | 5.3120% | 285 |
| Loan and lease loss provision to assets | 1.2825% | 590 |
| Net operating income to assets | -0.1264% | 6,310 |
| Return on assets (ROA) | -0.0682% | 6,338 |
| Pretax return on assets | -0.1104% | 6,344 |
| Return on Equity (ROE) | -0.6887% | 6,340 |
| Retained earnings to average equity (ytd only) | -0.6887% | 6,100 |
| Net charge-offs to loans | 2.4464% | 450 |
| Credit loss provision to net charge-offs | 87.5831% | 3,868 |
| Earnings coverage of net charge-offs (x) | 0.7384% | 5,058 |
| Efficiency ratio | 81.7166% | 2,015 |
| Assets per employee ($millions) | 2.3238% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6031% | 1,259 |
| Loan loss allowance to noncurrent loans | 54.0639% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 5.4501% | 1,028 |
| Noncurrent loans to loans | 4.8149% | 1,334 |
| Net loans and leases to total assets | 56.0703% | 4,828 |
| Net loans and leases to deposits | 63.6330% | 5,218 |
| Net loans and leases to core deposits | 63.6330% | 5,658 |
| Total domestic deposits to total assets | 88.1151% | 1,981 |
| Equity capital to assets | 10.2800% | 3,983 |
| Core capital (leverage) ratio | 8.2974% | 5,978 |
| Tier 1 risk-based capital ratio | 12.7778% | 5,268 |
| Total risk-based capital ratio | 14.0407% | 5,241 |
| Memoranda: | ||
| Average total assets | $41,063,500 | 6,691 |
| Average earning assets | $34,077,250 | 6,812 |
| Average equity | $4,065,750 | 6,784 |
| Average total loans | $24,579,500 | 6,503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 3,208 |
| Cost of funding earning assets | 0.8970% | 4,695 |
| Net interest margin | 4.0916% | 2,441 |
| Noninterest income to average assets | 3.0301% | 222 |
| Noninterest expense to average assets | 5.2040% | 311 |
| Loan and lease loss provision to assets | 1.6834% | 402 |
| Net operating income to assets | -0.3142% | 6,563 |
| Return on assets (ROA) | -0.2212% | 6,528 |
| Pretax return on assets | -0.3222% | 6,545 |
| Return on Equity (ROE) | -2.2619% | 6,539 |
| Retained earnings to average equity (ytd only) | -2.2619% | 6,288 |
| Net charge-offs to loans | 3.3741% | 274 |
| Credit loss provision to net charge-offs | 82.3529% | 3,701 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,845 |
| Efficiency ratio | 79.5812% | 2,453 |
| Assets per employee ($millions) | 2.3518% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4390% | 1,535 |
| Loan loss allowance to noncurrent loans | 77.0161% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 4.0394% | 1,580 |
| Noncurrent loans to loans | 3.1669% | 2,266 |
| Net loans and leases to total assets | 57.3272% | 4,757 |
| Net loans and leases to deposits | 65.0600% | 5,139 |
| Net loans and leases to core deposits | 65.6132% | 5,552 |
| Total domestic deposits to total assets | 88.1144% | 2,066 |
| Equity capital to assets | 10.0823% | 4,039 |
| Core capital (leverage) ratio | 8.6652% | 5,274 |
| Tier 1 risk-based capital ratio | 12.8429% | 5,049 |
| Total risk-based capital ratio | 14.1049% | 5,015 |
| Memoranda: | ||
| Average total assets | $41,583,330 | 6,728 |
| Average earning assets | $34,559,000 | 6,846 |
| Average equity | $4,067,330 | 6,830 |
| Average total loans | $25,192,000 | 6,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 3,234 |
| Cost of funding earning assets | 0.9446% | 4,613 |
| Net interest margin | 4.0286% | 2,573 |
| Noninterest income to average assets | 3.1993% | 206 |
| Noninterest expense to average assets | 5.2566% | 299 |
| Loan and lease loss provision to assets | 0.6606% | 1,295 |
| Net operating income to assets | 0.3869% | 5,008 |
| Return on assets (ROA) | 0.3869% | 5,094 |
| Pretax return on assets | 0.6229% | 4,594 |
| Return on Equity (ROE) | 4.0142% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.0142% | 3,766 |
| Net charge-offs to loans | -0.1382% | 7,176 |
| Credit loss provision to net charge-offs | -777.7778% | 6,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0765% | 2,683 |
| Assets per employee ($millions) | 2.3126% | 7,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8524% | 1,057 |
| Loan loss allowance to noncurrent loans | 42.1449% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 5.2907% | 1,165 |
| Noncurrent loans to loans | 6.7682% | 844 |
| Net loans and leases to total assets | 62.9801% | 3,667 |
| Net loans and leases to deposits | 71.7348% | 4,107 |
| Net loans and leases to core deposits | 72.3575% | 4,743 |
| Total domestic deposits to total assets | 87.7957% | 2,490 |
| Equity capital to assets | 10.4594% | 3,229 |
| Core capital (leverage) ratio | 8.4903% | 5,476 |
| Tier 1 risk-based capital ratio | 12.6997% | 5,065 |
| Total risk-based capital ratio | 13.9672% | 5,025 |
| Memoranda: | ||
| Average total assets | $42,384,500 | 6,745 |
| Average earning assets | $35,148,500 | 6,875 |
| Average equity | $4,085,500 | 6,854 |
| Average total loans | $26,041,500 | 6,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 3,826 |
| Cost of funding earning assets | 1.2261% | 4,379 |
| Net interest margin | 3.9295% | 3,350 |
| Noninterest income to average assets | 2.8932% | 240 |
| Noninterest expense to average assets | 5.0781% | 394 |
| Loan and lease loss provision to assets | 1.0325% | 1,567 |
| Net operating income to assets | 0.0131% | 5,796 |
| Return on assets (ROA) | 0.0600% | 5,826 |
| Pretax return on assets | 0.1221% | 5,659 |
| Return on Equity (ROE) | 0.6582% | 5,797 |
| Retained earnings to average equity (ytd only) | -5.8015% | 6,365 |
| Net charge-offs to loans | 0.7340% | 2,819 |
| Credit loss provision to net charge-offs | 226.8293% | 1,303 |
| Earnings coverage of net charge-offs (x) | 2.3756% | 3,951 |
| Efficiency ratio | 81.1464% | 2,273 |
| Assets per employee ($millions) | 2.6738% | 6,733 |
| Cash dividends to net income (ytd only)* | 981.4815% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4365% | 1,501 |
| Loan loss allowance to noncurrent loans | 43.4608% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 4.0612% | 1,670 |
| Noncurrent loans to loans | 5.6061% | 1,165 |
| Net loans and leases to total assets | 57.0850% | 5,176 |
| Net loans and leases to deposits | 63.7136% | 5,658 |
| Net loans and leases to core deposits | 68.9172% | 5,565 |
| Total domestic deposits to total assets | 89.5963% | 1,327 |
| Equity capital to assets | 8.9297% | 5,238 |
| Core capital (leverage) ratio | 7.7018% | 6,544 |
| Tier 1 risk-based capital ratio | 11.8283% | 5,629 |
| Total risk-based capital ratio | 13.0911% | 5,617 |
| Memoranda: | ||
| Average total assets | $45,036,200 | 6,695 |
| Average earning assets | $37,434,600 | 6,823 |
| Average equity | $4,102,400 | 6,960 |
| Average total loans | $27,928,200 | 6,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 3,672 |
| Cost of funding earning assets | 1.2476% | 4,585 |
| Net interest margin | 3.9850% | 3,170 |
| Noninterest income to average assets | 3.0119% | 222 |
| Noninterest expense to average assets | 5.1633% | 330 |
| Loan and lease loss provision to assets | 1.2463% | 1,130 |
| Net operating income to assets | -0.0683% | 6,141 |
| Return on assets (ROA) | 0.0297% | 6,063 |
| Pretax return on assets | 0.0178% | 6,064 |
| Return on Equity (ROE) | 0.3241% | 6,048 |
| Retained earnings to average equity (ytd only) | -8.2657% | 6,787 |
| Net charge-offs to loans | 0.9672% | 2,061 |
| Credit loss provision to net charge-offs | 204.8780% | 1,730 |
| Earnings coverage of net charge-offs (x) | 1.9171% | 4,273 |
| Efficiency ratio | 80.3094% | 2,294 |
| Assets per employee ($millions) | 2.6315% | 6,879 |
| Cash dividends to net income (ytd only)* | 2,650.5626% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1523% | 1,887 |
| Loan loss allowance to noncurrent loans | 62.9436% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.0915% | 2,344 |
| Noncurrent loans to loans | 3.4195% | 2,324 |
| Net loans and leases to total assets | 61.2773% | 4,668 |
| Net loans and leases to deposits | 69.7763% | 5,185 |
| Net loans and leases to core deposits | 75.7014% | 5,093 |
| Total domestic deposits to total assets | 87.8197% | 2,080 |
| Equity capital to assets | 9.1068% | 5,439 |
| Core capital (leverage) ratio | 7.8408% | 6,529 |
| Tier 1 risk-based capital ratio | 11.1543% | 6,238 |
| Total risk-based capital ratio | 12.4424% | 6,196 |
| Memoranda: | ||
| Average total assets | $44,931,500 | 6,782 |
| Average earning assets | $37,406,000 | 6,897 |
| Average equity | $4,113,250 | 7,045 |
| Average total loans | $28,261,250 | 6,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 3,791 |
| Cost of funding earning assets | 1.2657% | 4,741 |
| Net interest margin | 3.9671% | 3,175 |
| Noninterest income to average assets | 3.2047% | 207 |
| Noninterest expense to average assets | 5.3604% | 294 |
| Loan and lease loss provision to assets | 1.6668% | 767 |
| Net operating income to assets | -0.3458% | 6,518 |
| Return on assets (ROA) | -0.3156% | 6,535 |
| Pretax return on assets | -0.4623% | 6,553 |
| Return on Equity (ROE) | -3.4413% | 6,560 |
| Retained earnings to average equity (ytd only) | -16.2857% | 7,146 |
| Net charge-offs to loans | 1.3619% | 1,401 |
| Credit loss provision to net charge-offs | 194.3005% | 2,030 |
| Earnings coverage of net charge-offs (x) | 1.3523% | 4,472 |
| Efficiency ratio | 80.9816% | 2,300 |
| Assets per employee ($millions) | 2.5953% | 6,958 |
| Cash dividends to net income (ytd only)* | -373.2394% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 2,083 |
| Loan loss allowance to noncurrent loans | 60.1901% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 3.1890% | 2,224 |
| Noncurrent loans to loans | 3.3945% | 2,350 |
| Net loans and leases to total assets | 61.9402% | 4,695 |
| Net loans and leases to deposits | 70.5348% | 5,198 |
| Net loans and leases to core deposits | 77.2741% | 5,052 |
| Total domestic deposits to total assets | 87.8150% | 2,097 |
| Equity capital to assets | 9.1002% | 5,292 |
| Core capital (leverage) ratio | 7.4160% | 6,906 |
| Tier 1 risk-based capital ratio | 10.5655% | 6,637 |
| Total risk-based capital ratio | 11.8230% | 6,629 |
| Memoranda: | ||
| Average total assets | $44,996,670 | 6,831 |
| Average earning assets | $37,609,000 | 6,943 |
| Average equity | $4,126,330 | 7,068 |
| Average total loans | $28,343,000 | 6,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 3,402 |
| Cost of funding earning assets | 1.2953% | 4,848 |
| Net interest margin | 4.0333% | 2,723 |
| Noninterest income to average assets | 3.0813% | 209 |
| Noninterest expense to average assets | 5.1150% | 339 |
| Loan and lease loss provision to assets | 0.9684% | 1,297 |
| Net operating income to assets | -0.0035% | 6,295 |
| Return on assets (ROA) | 0.0528% | 6,260 |
| Pretax return on assets | 0.4578% | 5,099 |
| Return on Equity (ROE) | 0.5739% | 6,245 |
| Retained earnings to average equity (ytd only) | -24.7728% | 7,456 |
| Net charge-offs to loans | 0.0140% | 5,391 |
| Credit loss provision to net charge-offs | 11,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 216 |
| Efficiency ratio | 78.0355% | 2,891 |
| Assets per employee ($millions) | 2.6195% | 7,003 |
| Cash dividends to net income (ytd only)* | 4,416.6667% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 2,892 |
| Loan loss allowance to noncurrent loans | 109.2308% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.9312% | 3,587 |
| Noncurrent loans to loans | 1.6035% | 4,341 |
| Net loans and leases to total assets | 62.6022% | 4,632 |
| Net loans and leases to deposits | 71.6935% | 5,092 |
| Net loans and leases to core deposits | 77.8498% | 5,040 |
| Total domestic deposits to total assets | 87.3192% | 2,452 |
| Equity capital to assets | 9.0834% | 5,158 |
| Core capital (leverage) ratio | 7.6767% | 6,649 |
| Tier 1 risk-based capital ratio | 10.7730% | 6,370 |
| Total risk-based capital ratio | 12.0264% | 6,350 |
| Memoranda: | ||
| Average total assets | $45,435,000 | 6,896 |
| Average earning assets | $37,984,000 | 7,021 |
| Average equity | $4,182,000 | 7,119 |
| Average total loans | $28,565,500 | 6,684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 3,233 |
| Cost of funding earning assets | 1.7015% | 4,500 |
| Net interest margin | 3.9727% | 2,977 |
| Noninterest income to average assets | 2.9992% | 227 |
| Noninterest expense to average assets | 5.1421% | 474 |
| Loan and lease loss provision to assets | 0.2701% | 5,252 |
| Net operating income to assets | 0.8914% | 2,209 |
| Return on assets (ROA) | 0.9309% | 2,134 |
| Pretax return on assets | 0.9331% | 2,818 |
| Return on Equity (ROE) | 9.9163% | 1,718 |
| Retained earnings to average equity (ytd only) | -1.0290% | 5,269 |
| Net charge-offs to loans | 0.2282% | 5,189 |
| Credit loss provision to net charge-offs | 180.8824% | 2,290 |
| Earnings coverage of net charge-offs (x) | 7.7941% | 2,068 |
| Efficiency ratio | 80.2925% | 2,843 |
| Assets per employee ($millions) | 2.5743% | 7,080 |
| Cash dividends to net income (ytd only)* | 110.3774% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,484 |
| Loan loss allowance to noncurrent loans | 58.2583% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.7105% | 2,579 |
| Noncurrent loans to loans | 2.3160% | 3,271 |
| Net loans and leases to total assets | 61.2197% | 5,155 |
| Net loans and leases to deposits | 70.3606% | 5,563 |
| Net loans and leases to core deposits | 83.2565% | 5,794 |
| Total domestic deposits to total assets | 87.0085% | 2,505 |
| Equity capital to assets | 9.3206% | 4,676 |
| Core capital (leverage) ratio | 8.0918% | 6,005 |
| Tier 1 risk-based capital ratio | 11.3860% | 5,527 |
| Total risk-based capital ratio | 12.5967% | 5,519 |
| Memoranda: | ||
| Average total assets | $45,545,800 | 6,893 |
| Average earning assets | $37,908,400 | 7,018 |
| Average equity | $4,275,800 | 7,183 |
| Average total loans | $29,802,600 | 6,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7863% | 2,947 |
| Cost of funding earning assets | 1.7703% | 4,525 |
| Net interest margin | 4.0160% | 2,741 |
| Noninterest income to average assets | 3.0725% | 220 |
| Noninterest expense to average assets | 5.1747% | 433 |
| Loan and lease loss provision to assets | 0.2293% | 5,139 |
| Net operating income to assets | 0.9938% | 2,085 |
| Return on assets (ROA) | 1.0467% | 1,973 |
| Pretax return on assets | 1.0496% | 2,743 |
| Return on Equity (ROE) | 11.1290% | 1,587 |
| Retained earnings to average equity (ytd only) | -3.0012% | 5,935 |
| Net charge-offs to loans | 0.0976% | 5,694 |
| Credit loss provision to net charge-offs | 354.5455% | 1,159 |
| Earnings coverage of net charge-offs (x) | 18.9564% | 1,322 |
| Efficiency ratio | 79.6050% | 2,914 |
| Assets per employee ($millions) | 2.5831% | 7,083 |
| Cash dividends to net income (ytd only)* | 126.9672% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,486 |
| Loan loss allowance to noncurrent loans | 96.5261% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.7378% | 3,760 |
| Noncurrent loans to loans | 1.3487% | 4,677 |
| Net loans and leases to total assets | 63.4270% | 4,985 |
| Net loans and leases to deposits | 76.1569% | 5,011 |
| Net loans and leases to core deposits | 85.7022% | 5,892 |
| Total domestic deposits to total assets | 83.2846% | 4,071 |
| Equity capital to assets | 9.2137% | 5,144 |
| Core capital (leverage) ratio | 7.7847% | 6,626 |
| Tier 1 risk-based capital ratio | 10.8422% | 6,113 |
| Total risk-based capital ratio | 12.0174% | 6,158 |
| Memoranda: | ||
| Average total assets | $45,347,750 | 6,947 |
| Average earning assets | $37,582,250 | 7,089 |
| Average equity | $4,265,000 | 7,259 |
| Average total loans | $30,064,250 | 6,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 2,816 |
| Cost of funding earning assets | 1.7722% | 4,900 |
| Net interest margin | 4.0762% | 2,411 |
| Noninterest income to average assets | 2.9623% | 219 |
| Noninterest expense to average assets | 5.1596% | 464 |
| Loan and lease loss provision to assets | 0.2135% | 4,913 |
| Net operating income to assets | 0.9607% | 2,244 |
| Return on assets (ROA) | 1.0408% | 2,048 |
| Pretax return on assets | 1.0453% | 2,827 |
| Return on Equity (ROE) | 10.9893% | 1,702 |
| Retained earnings to average equity (ytd only) | -7.0445% | 6,568 |
| Net charge-offs to loans | 0.1394% | 4,773 |
| Credit loss provision to net charge-offs | 228.5714% | 2,013 |
| Earnings coverage of net charge-offs (x) | 12.6190% | 1,804 |
| Efficiency ratio | 80.1404% | 3,021 |
| Assets per employee ($millions) | 2.5486% | 7,147 |
| Cash dividends to net income (ytd only)* | 164.1026% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,840 |
| Loan loss allowance to noncurrent loans | 91.8367% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 3,576 |
| Noncurrent loans to loans | 1.3222% | 4,570 |
| Net loans and leases to total assets | 63.8409% | 5,020 |
| Net loans and leases to deposits | 78.7475% | 4,746 |
| Net loans and leases to core deposits | 86.2118% | 5,884 |
| Total domestic deposits to total assets | 81.0703% | 5,056 |
| Equity capital to assets | 9.1924% | 5,026 |
| Core capital (leverage) ratio | 7.9119% | 6,472 |
| Tier 1 risk-based capital ratio | 10.7323% | 6,159 |
| Total risk-based capital ratio | 11.8281% | 6,255 |
| Memoranda: | ||
| Average total assets | $44,965,000 | 7,023 |
| Average earning assets | $37,241,000 | 7,167 |
| Average equity | $4,258,670 | 7,319 |
| Average total loans | $30,125,670 | 6,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 2,662 |
| Cost of funding earning assets | 1.7846% | 5,186 |
| Net interest margin | 4.1424% | 2,115 |
| Noninterest income to average assets | 3.3790% | 190 |
| Noninterest expense to average assets | 5.5179% | 359 |
| Loan and lease loss provision to assets | 0.2067% | 4,377 |
| Net operating income to assets | 1.0964% | 1,971 |
| Return on assets (ROA) | 1.2581% | 1,586 |
| Pretax return on assets | 1.2581% | 2,421 |
| Return on Equity (ROE) | 13.0856% | 1,367 |
| Retained earnings to average equity (ytd only) | -18.2264% | 7,594 |
| Net charge-offs to loans | 0.2766% | 3,016 |
| Credit loss provision to net charge-offs | 109.5238% | 3,515 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 2,420 |
| Efficiency ratio | 79.7101% | 2,860 |
| Assets per employee ($millions) | 2.4922% | 7,294 |
| Cash dividends to net income (ytd only)* | 239.2857% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,445 |
| Loan loss allowance to noncurrent loans | 63.2075% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0843% | 2,769 |
| Noncurrent loans to loans | 1.7462% | 3,646 |
| Net loans and leases to total assets | 66.9119% | 4,360 |
| Net loans and leases to deposits | 83.4914% | 4,061 |
| Net loans and leases to core deposits | 89.1953% | 5,628 |
| Total domestic deposits to total assets | 80.1422% | 5,312 |
| Equity capital to assets | 9.2780% | 4,971 |
| Core capital (leverage) ratio | 7.9926% | 6,459 |
| Tier 1 risk-based capital ratio | 10.0072% | 6,912 |
| Total risk-based capital ratio | 10.9728% | 7,141 |
| Memoranda: | ||
| Average total assets | $44,510,000 | 7,083 |
| Average earning assets | $36,983,000 | 7,219 |
| Average equity | $4,279,500 | 7,355 |
| Average total loans | $30,365,000 | 6,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2910% | 4,013 |
| Cost of funding earning assets | 2.1686% | 5,738 |
| Net interest margin | 4.1224% | 2,615 |
| Noninterest income to average assets | 3.2448% | 181 |
| Noninterest expense to average assets | 5.3523% | 540 |
| Loan and lease loss provision to assets | 0.0942% | 6,183 |
| Net operating income to assets | 1.2292% | 1,688 |
| Return on assets (ROA) | 1.2292% | 1,632 |
| Pretax return on assets | 1.2315% | 2,541 |
| Return on Equity (ROE) | 12.0299% | 1,587 |
| Retained earnings to average equity (ytd only) | 0.3687% | 5,024 |
| Net charge-offs to loans | 0.2161% | 4,050 |
| Credit loss provision to net charge-offs | 68.9655% | 6,086 |
| Earnings coverage of net charge-offs (x) | 9.7069% | 2,650 |
| Efficiency ratio | 78.9140% | 2,765 |
| Assets per employee ($millions) | 2.5977% | 7,008 |
| Cash dividends to net income (ytd only)* | 96.9349% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,317 |
| Loan loss allowance to noncurrent loans | 54.5008% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3007% | 2,113 |
| Noncurrent loans to loans | 2.0113% | 2,744 |
| Net loans and leases to total assets | 68.0374% | 4,457 |
| Net loans and leases to deposits | 88.1631% | 3,776 |
| Net loans and leases to core deposits | 92.5603% | 5,586 |
| Total domestic deposits to total assets | 77.1722% | 5,948 |
| Equity capital to assets | 9.9567% | 4,089 |
| Core capital (leverage) ratio | 8.5946% | 5,388 |
| Tier 1 risk-based capital ratio | 11.2188% | 5,517 |
| Total risk-based capital ratio | 12.2404% | 5,633 |
| Memoranda: | ||
| Average total assets | $42,467,400 | 7,106 |
| Average earning assets | $35,368,000 | 7,265 |
| Average equity | $4,339,200 | 7,377 |
| Average total loans | $26,843,400 | 6,911 |