Home > Flint River National Bank > Performance and Condition Ratios
Flint River National Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 5,233 |
| Cost of funding earning assets | 0.6387% | 1,660 |
| Net interest margin | 2.9378% | 5,677 |
| Noninterest income to average assets | 0.9813% | 1,171 |
| Noninterest expense to average assets | 5.1154% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.7330% | 6,646 |
| Return on assets (ROA) | -1.7330% | 6,642 |
| Pretax return on assets | -1.7330% | 6,626 |
| Return on Equity (ROE) | -25.8366% | 6,650 |
| Retained earnings to average equity (ytd only) | -25.8366% | 6,591 |
| Net charge-offs to loans | -0.0411% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.2346% | 60 |
| Assets per employee ($millions) | 2.7401% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0016% | 91 |
| Loan loss allowance to noncurrent loans | 33.3806% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 9.8431% | 116 |
| Noncurrent loans to loans | 14.9835% | 41 |
| Net loans and leases to total assets | 46.6399% | 5,264 |
| Net loans and leases to deposits | 50.0924% | 5,593 |
| Net loans and leases to core deposits | 50.8151% | 5,705 |
| Total domestic deposits to total assets | 93.1078% | 104 |
| Equity capital to assets | 6.4804% | 6,525 |
| Core capital (leverage) ratio | 6.0085% | 6,590 |
| Tier 1 risk-based capital ratio | 11.1312% | 6,108 |
| Total risk-based capital ratio | 12.4163% | 6,039 |
| Memoranda: | ||
| Average total assets | $19,158,000 | 6,643 |
| Average earning assets | $15,658,000 | 6,643 |
| Average equity | $1,285,000 | 6,685 |
| Average total loans | $9,741,500 | 6,528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 4,255 |
| Cost of funding earning assets | 0.6681% | 2,053 |
| Net interest margin | 3.2893% | 4,704 |
| Noninterest income to average assets | 0.3807% | 4,586 |
| Noninterest expense to average assets | 4.9108% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.8231% | 6,700 |
| Return on assets (ROA) | -1.8231% | 6,700 |
| Pretax return on assets | -1.8231% | 6,696 |
| Return on Equity (ROE) | -27.5787% | 6,711 |
| Retained earnings to average equity (ytd only) | -27.5787% | 6,705 |
| Net charge-offs to loans | -0.0151% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.0411% | 58 |
| Assets per employee ($millions) | 3.8270% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6692% | 114 |
| Loan loss allowance to noncurrent loans | 30.6789% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 11.2046% | 103 |
| Noncurrent loans to loans | 15.2196% | 38 |
| Net loans and leases to total assets | 50.1489% | 5,066 |
| Net loans and leases to deposits | 54.1413% | 5,454 |
| Net loans and leases to core deposits | 54.9284% | 5,619 |
| Total domestic deposits to total assets | 92.6261% | 175 |
| Equity capital to assets | 6.9349% | 6,472 |
| Core capital (leverage) ratio | 5.5108% | 6,687 |
| Tier 1 risk-based capital ratio | 11.3741% | 5,983 |
| Total risk-based capital ratio | 12.6658% | 5,891 |
| Memoranda: | ||
| Average total assets | $23,641,600 | 6,647 |
| Average earning assets | $19,457,200 | 6,668 |
| Average equity | $1,562,800 | 6,753 |
| Average total loans | $13,261,400 | 6,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,682 |
| Cost of funding earning assets | 0.6954% | 1,987 |
| Net interest margin | 3.4244% | 4,190 |
| Noninterest income to average assets | 0.3122% | 5,207 |
| Noninterest expense to average assets | 4.9309% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.8087% | 6,789 |
| Return on assets (ROA) | -1.8087% | 6,794 |
| Pretax return on assets | -1.8087% | 6,791 |
| Return on Equity (ROE) | -27.6239% | 6,804 |
| Retained earnings to average equity (ytd only) | -27.6239% | 6,795 |
| Net charge-offs to loans | -0.0190% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.9310% | 63 |
| Assets per employee ($millions) | 3.4490% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5405% | 326 |
| Loan loss allowance to noncurrent loans | 43.8024% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 6.3110% | 356 |
| Noncurrent loans to loans | 8.0829% | 219 |
| Net loans and leases to total assets | 61.8778% | 3,384 |
| Net loans and leases to deposits | 66.7762% | 4,205 |
| Net loans and leases to core deposits | 68.5970% | 4,476 |
| Total domestic deposits to total assets | 92.6645% | 153 |
| Equity capital to assets | 6.8812% | 6,577 |
| Core capital (leverage) ratio | 5.6818% | 6,749 |
| Tier 1 risk-based capital ratio | 10.1390% | 6,559 |
| Total risk-based capital ratio | 11.4136% | 6,519 |
| Memoranda: | ||
| Average total assets | $24,768,250 | 6,702 |
| Average earning assets | $20,324,000 | 6,726 |
| Average equity | $1,621,750 | 6,824 |
| Average total loans | $14,060,250 | 6,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 3,920 |
| Cost of funding earning assets | 0.7050% | 2,033 |
| Net interest margin | 3.3464% | 4,394 |
| Noninterest income to average assets | 0.3368% | 4,985 |
| Noninterest expense to average assets | 4.2869% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.2248% | 6,781 |
| Return on assets (ROA) | -1.2248% | 6,784 |
| Pretax return on assets | -1.2248% | 6,772 |
| Return on Equity (ROE) | -18.9611% | 6,822 |
| Retained earnings to average equity (ytd only) | -18.9611% | 6,796 |
| Net charge-offs to loans | -0.0140% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.0000% | 98 |
| Assets per employee ($millions) | 3.2607% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4867% | 376 |
| Loan loss allowance to noncurrent loans | 42.9881% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 7.1982% | 325 |
| Noncurrent loans to loans | 8.1109% | 249 |
| Net loans and leases to total assets | 56.8762% | 4,154 |
| Net loans and leases to deposits | 61.8485% | 4,761 |
| Net loans and leases to core deposits | 63.3887% | 4,963 |
| Total domestic deposits to total assets | 91.9606% | 255 |
| Equity capital to assets | 7.0318% | 6,596 |
| Core capital (leverage) ratio | 6.5803% | 6,687 |
| Tier 1 risk-based capital ratio | 10.8093% | 6,412 |
| Total risk-based capital ratio | 12.0854% | 6,372 |
| Memoranda: | ||
| Average total assets | $26,126,330 | 6,727 |
| Average earning assets | $21,276,330 | 6,754 |
| Average equity | $1,687,670 | 6,859 |
| Average total loans | $14,322,000 | 6,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,827 |
| Cost of funding earning assets | 0.6810% | 2,376 |
| Net interest margin | 3.1183% | 5,200 |
| Noninterest income to average assets | 0.2736% | 5,492 |
| Noninterest expense to average assets | 3.9889% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.2096% | 6,851 |
| Return on assets (ROA) | -1.2096% | 6,856 |
| Pretax return on assets | -1.2096% | 6,844 |
| Return on Equity (ROE) | -19.4332% | 6,896 |
| Retained earnings to average equity (ytd only) | -19.4332% | 6,827 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.5233% | 99 |
| Assets per employee ($millions) | 3.6871% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3976% | 462 |
| Loan loss allowance to noncurrent loans | 29.8156% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 8.3146% | 294 |
| Noncurrent loans to loans | 11.3952% | 155 |
| Net loans and leases to total assets | 51.6660% | 4,750 |
| Net loans and leases to deposits | 55.5093% | 5,294 |
| Net loans and leases to core deposits | 56.7109% | 5,454 |
| Total domestic deposits to total assets | 93.0763% | 121 |
| Equity capital to assets | 6.5285% | 6,787 |
| Core capital (leverage) ratio | 6.3125% | 6,771 |
| Tier 1 risk-based capital ratio | 10.6138% | 6,550 |
| Total risk-based capital ratio | 11.8862% | 6,510 |
| Memoranda: | ||
| Average total assets | $27,777,000 | 6,764 |
| Average earning assets | $22,320,000 | 6,807 |
| Average equity | $1,729,000 | 6,922 |
| Average total loans | $14,757,500 | 6,592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 2,979 |
| Cost of funding earning assets | 0.8401% | 2,361 |
| Net interest margin | 3.7647% | 3,376 |
| Noninterest income to average assets | 0.3009% | 5,304 |
| Noninterest expense to average assets | 4.8254% | 432 |
| Loan and lease loss provision to assets | 2.2511% | 72 |
| Net operating income to assets | -3.6961% | 7,035 |
| Return on assets (ROA) | -3.6961% | 7,037 |
| Pretax return on assets | -3.6961% | 7,040 |
| Return on Equity (ROE) | -44.0812% | 7,008 |
| Retained earnings to average equity (ytd only) | -44.0812% | 7,002 |
| Net charge-offs to loans | 3.2059% | 142 |
| Credit loss provision to net charge-offs | 106.8783% | 2,773 |
| Earnings coverage of net charge-offs (x) | -0.6861% | 5,710 |
| Efficiency ratio | 142.7473% | 109 |
| Assets per employee ($millions) | 4.2491% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9788% | 677 |
| Loan loss allowance to noncurrent loans | 21.8080% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 8.0655% | 336 |
| Noncurrent loans to loans | 13.6592% | 111 |
| Net loans and leases to total assets | 51.2473% | 5,004 |
| Net loans and leases to deposits | 54.6638% | 5,590 |
| Net loans and leases to core deposits | 55.6781% | 5,736 |
| Total domestic deposits to total assets | 93.7500% | 77 |
| Equity capital to assets | 5.9609% | 6,896 |
| Core capital (leverage) ratio | 6.5901% | 6,778 |
| Tier 1 risk-based capital ratio | 10.2745% | 6,626 |
| Total risk-based capital ratio | 11.5412% | 6,585 |
| Memoranda: | ||
| Average total assets | $26,920,000 | 6,822 |
| Average earning assets | $22,020,600 | 6,863 |
| Average equity | $2,257,200 | 6,919 |
| Average total loans | $17,686,400 | 6,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 3,454 |
| Cost of funding earning assets | 0.8952% | 2,205 |
| Net interest margin | 3.6476% | 4,013 |
| Noninterest income to average assets | 0.3153% | 5,256 |
| Noninterest expense to average assets | 4.7963% | 426 |
| Loan and lease loss provision to assets | 3.0822% | 35 |
| Net operating income to assets | -4.5166% | 7,155 |
| Return on assets (ROA) | -4.5166% | 7,157 |
| Pretax return on assets | -4.5166% | 7,158 |
| Return on Equity (ROE) | -49.7832% | 7,122 |
| Retained earnings to average equity (ytd only) | -49.7832% | 7,117 |
| Net charge-offs to loans | 3.9236% | 93 |
| Credit loss provision to net charge-offs | 113.2710% | 2,576 |
| Earnings coverage of net charge-offs (x) | -0.5271% | 5,505 |
| Efficiency ratio | 142.6626% | 109 |
| Assets per employee ($millions) | 3.3549% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8123% | 874 |
| Loan loss allowance to noncurrent loans | 26.1643% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 9.5299% | 266 |
| Noncurrent loans to loans | 10.7486% | 213 |
| Net loans and leases to total assets | 73.5778% | 1,307 |
| Net loans and leases to deposits | 80.8034% | 2,274 |
| Net loans and leases to core deposits | 110.2469% | 560 |
| Total domestic deposits to total assets | 91.0577% | 399 |
| Equity capital to assets | 8.0395% | 6,569 |
| Core capital (leverage) ratio | 7.3950% | 6,670 |
| Tier 1 risk-based capital ratio | 10.5974% | 6,637 |
| Total risk-based capital ratio | 11.9135% | 6,601 |
| Memoranda: | ||
| Average total assets | $26,214,000 | 6,921 |
| Average earning assets | $21,895,000 | 6,954 |
| Average equity | $2,378,250 | 6,997 |
| Average total loans | $18,180,250 | 6,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,802 |
| Cost of funding earning assets | 0.8891% | 2,490 |
| Net interest margin | 3.8409% | 3,173 |
| Noninterest income to average assets | 0.0442% | 6,880 |
| Noninterest expense to average assets | 4.0702% | 864 |
| Loan and lease loss provision to assets | 4.4684% | 18 |
| Net operating income to assets | -5.3090% | 7,211 |
| Return on assets (ROA) | -5.3090% | 7,214 |
| Pretax return on assets | -5.3090% | 7,213 |
| Return on Equity (ROE) | -56.6557% | 7,181 |
| Retained earnings to average equity (ytd only) | -56.6557% | 7,176 |
| Net charge-offs to loans | 5.8425% | 38 |
| Credit loss provision to net charge-offs | 113.2710% | 2,407 |
| Earnings coverage of net charge-offs (x) | -0.2131% | 5,165 |
| Efficiency ratio | 126.0274% | 188 |
| Assets per employee ($millions) | 2.8702% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6610% | 1,084 |
| Loan loss allowance to noncurrent loans | 26.5111% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 8.9114% | 347 |
| Noncurrent loans to loans | 10.0373% | 267 |
| Net loans and leases to total assets | 70.8037% | 1,773 |
| Net loans and leases to deposits | 77.1437% | 2,814 |
| Net loans and leases to core deposits | 105.9676% | 745 |
| Total domestic deposits to total assets | 91.7815% | 264 |
| Equity capital to assets | 7.9552% | 6,592 |
| Core capital (leverage) ratio | 7.3735% | 6,677 |
| Tier 1 risk-based capital ratio | 10.9872% | 6,504 |
| Total risk-based capital ratio | 12.3041% | 6,441 |
| Memoranda: | ||
| Average total assets | $27,124,000 | 6,969 |
| Average earning assets | $22,494,670 | 6,999 |
| Average equity | $2,541,670 | 7,006 |
| Average total loans | $18,314,000 | 6,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 3,445 |
| Cost of funding earning assets | 0.8737% | 2,884 |
| Net interest margin | 3.7395% | 3,636 |
| Noninterest income to average assets | 0.2881% | 5,569 |
| Noninterest expense to average assets | 3.3417% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0288% | 6,368 |
| Return on assets (ROA) | 0.0288% | 6,483 |
| Pretax return on assets | 0.0288% | 6,487 |
| Return on Equity (ROE) | 0.2873% | 6,477 |
| Retained earnings to average equity (ytd only) | 0.2873% | 5,891 |
| Net charge-offs to loans | 2.4784% | 335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0179% | 4,360 |
| Efficiency ratio | 99.1453% | 583 |
| Assets per employee ($millions) | 3.1687% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 3,068 |
| Loan loss allowance to noncurrent loans | 16.4419% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 8.5385% | 433 |
| Noncurrent loans to loans | 10.8066% | 259 |
| Net loans and leases to total assets | 61.4489% | 3,366 |
| Net loans and leases to deposits | 68.3037% | 4,008 |
| Net loans and leases to core deposits | 91.2851% | 1,719 |
| Total domestic deposits to total assets | 89.9642% | 1,104 |
| Equity capital to assets | 9.7587% | 4,443 |
| Core capital (leverage) ratio | 9.3621% | 4,261 |
| Tier 1 risk-based capital ratio | 14.5127% | 4,096 |
| Total risk-based capital ratio | 15.8157% | 4,008 |
| Memoranda: | ||
| Average total assets | $27,770,000 | 7,004 |
| Average earning assets | $22,890,500 | 7,052 |
| Average equity | $2,785,000 | 7,004 |
| Average total loans | $18,076,000 | 6,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 1,582 |
| Cost of funding earning assets | 0.9940% | 3,423 |
| Net interest margin | 4.3494% | 1,542 |
| Noninterest income to average assets | 0.2230% | 5,935 |
| Noninterest expense to average assets | 4.5615% | 551 |
| Loan and lease loss provision to assets | 0.3582% | 2,860 |
| Net operating income to assets | -0.9065% | 6,701 |
| Return on assets (ROA) | -0.9065% | 6,729 |
| Pretax return on assets | -0.9065% | 6,696 |
| Return on Equity (ROE) | -8.5641% | 6,697 |
| Retained earnings to average equity (ytd only) | -8.5641% | 6,648 |
| Net charge-offs to loans | 0.6056% | 2,633 |
| Credit loss provision to net charge-offs | 79.6748% | 4,467 |
| Earnings coverage of net charge-offs (x) | -1.2195% | 6,222 |
| Efficiency ratio | 113.6612% | 372 |
| Assets per employee ($millions) | 3.0024% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3429% | 1,555 |
| Loan loss allowance to noncurrent loans | 18.3099% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 10.5544% | 294 |
| Noncurrent loans to loans | 12.7956% | 186 |
| Net loans and leases to total assets | 66.1757% | 2,755 |
| Net loans and leases to deposits | 73.9292% | 3,508 |
| Net loans and leases to core deposits | 100.8459% | 1,103 |
| Total domestic deposits to total assets | 89.5122% | 1,262 |
| Equity capital to assets | 10.3138% | 3,761 |
| Core capital (leverage) ratio | 10.8337% | 2,406 |
| Tier 1 risk-based capital ratio | 13.8289% | 4,462 |
| Total risk-based capital ratio | 15.1352% | 4,370 |
| Memoranda: | ||
| Average total assets | $27,359,200 | 7,044 |
| Average earning assets | $23,842,200 | 7,049 |
| Average equity | $2,895,800 | 7,032 |
| Average total loans | $20,310,000 | 6,647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 1,802 |
| Cost of funding earning assets | 1.0293% | 3,473 |
| Net interest margin | 4.2860% | 1,773 |
| Noninterest income to average assets | 0.1943% | 6,205 |
| Noninterest expense to average assets | 4.9021% | 408 |
| Loan and lease loss provision to assets | 0.4761% | 2,086 |
| Net operating income to assets | -1.3603% | 7,004 |
| Return on assets (ROA) | -1.3603% | 7,023 |
| Pretax return on assets | -1.3603% | 6,983 |
| Return on Equity (ROE) | -12.7718% | 6,966 |
| Retained earnings to average equity (ytd only) | -12.7718% | 6,939 |
| Net charge-offs to loans | 0.8201% | 1,926 |
| Credit loss provision to net charge-offs | 76.5625% | 4,255 |
| Earnings coverage of net charge-offs (x) | -1.4219% | 5,978 |
| Efficiency ratio | 122.0073% | 290 |
| Assets per employee ($millions) | 2.8922% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 2,086 |
| Loan loss allowance to noncurrent loans | 29.4649% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 6.5886% | 775 |
| Noncurrent loans to loans | 7.0964% | 696 |
| Net loans and leases to total assets | 76.2735% | 940 |
| Net loans and leases to deposits | 85.4818% | 1,758 |
| Net loans and leases to core deposits | 115.6791% | 508 |
| Total domestic deposits to total assets | 89.2278% | 1,291 |
| Equity capital to assets | 10.6032% | 3,568 |
| Core capital (leverage) ratio | 10.4371% | 2,950 |
| Tier 1 risk-based capital ratio | 13.7696% | 4,525 |
| Total risk-based capital ratio | 15.0805% | 4,446 |
| Memoranda: | ||
| Average total assets | $27,443,500 | 7,110 |
| Average earning assets | $24,482,250 | 7,098 |
| Average equity | $2,923,000 | 7,091 |
| Average total loans | $20,809,750 | 6,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 2,071 |
| Cost of funding earning assets | 1.0910% | 3,309 |
| Net interest margin | 4.1570% | 2,200 |
| Noninterest income to average assets | 0.1648% | 6,475 |
| Noninterest expense to average assets | 5.2804% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.3756% | 7,060 |
| Return on assets (ROA) | -1.3756% | 7,066 |
| Pretax return on assets | -1.3756% | 7,022 |
| Return on Equity (ROE) | -12.8975% | 7,013 |
| Retained earnings to average equity (ytd only) | -12.8975% | 6,974 |
| Net charge-offs to loans | 0.3050% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 5,802 |
| Efficiency ratio | 135.2294% | 224 |
| Assets per employee ($millions) | 2.5564% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 2,426 |
| Loan loss allowance to noncurrent loans | 34.5053% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 5.3435% | 1,121 |
| Noncurrent loans to loans | 5.7361% | 1,073 |
| Net loans and leases to total assets | 81.7517% | 390 |
| Net loans and leases to deposits | 92.2001% | 1,037 |
| Net loans and leases to core deposits | 124.2657% | 340 |
| Total domestic deposits to total assets | 88.6677% | 1,739 |
| Equity capital to assets | 11.1563% | 2,807 |
| Core capital (leverage) ratio | 10.5625% | 2,650 |
| Tier 1 risk-based capital ratio | 13.3850% | 4,622 |
| Total risk-based capital ratio | 14.6910% | 4,562 |
| Memoranda: | ||
| Average total assets | $27,914,670 | 7,165 |
| Average earning assets | $25,114,000 | 7,146 |
| Average equity | $2,977,330 | 7,137 |
| Average total loans | $20,987,000 | 6,746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 2,958 |
| Cost of funding earning assets | 1.1655% | 3,051 |
| Net interest margin | 3.8646% | 3,322 |
| Noninterest income to average assets | 0.1513% | 6,641 |
| Noninterest expense to average assets | 3.8776% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2613% | 6,617 |
| Return on assets (ROA) | -0.2613% | 6,631 |
| Pretax return on assets | -0.2613% | 6,588 |
| Return on Equity (ROE) | -2.5000% | 6,632 |
| Retained earnings to average equity (ytd only) | -2.5000% | 6,222 |
| Net charge-offs to loans | 0.4227% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.8636% | 4,879 |
| Efficiency ratio | 107.2243% | 553 |
| Assets per employee ($millions) | 2.7365% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 2,240 |
| Loan loss allowance to noncurrent loans | 39.3443% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 5.0064% | 1,259 |
| Noncurrent loans to loans | 5.2692% | 1,257 |
| Net loans and leases to total assets | 74.5697% | 1,256 |
| Net loans and leases to deposits | 83.9166% | 2,047 |
| Net loans and leases to core deposits | 110.4639% | 697 |
| Total domestic deposits to total assets | 88.8617% | 1,862 |
| Equity capital to assets | 11.0506% | 2,639 |
| Core capital (leverage) ratio | 9.6117% | 3,647 |
| Tier 1 risk-based capital ratio | 13.8753% | 4,154 |
| Total risk-based capital ratio | 15.1740% | 4,095 |
| Memoranda: | ||
| Average total assets | $29,090,000 | 7,178 |
| Average earning assets | $26,083,000 | 7,167 |
| Average equity | $3,040,000 | 7,158 |
| Average total loans | $20,820,000 | 6,801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 4,934 |
| Cost of funding earning assets | 1.3135% | 3,794 |
| Net interest margin | 3.6026% | 4,805 |
| Noninterest income to average assets | 0.1547% | 6,618 |
| Noninterest expense to average assets | 4.1065% | 1,015 |
| Loan and lease loss provision to assets | 0.3262% | 4,202 |
| Net operating income to assets | -1.0493% | 6,713 |
| Return on assets (ROA) | -1.0493% | 6,744 |
| Pretax return on assets | -1.0493% | 6,668 |
| Return on Equity (ROE) | -9.7506% | 6,718 |
| Retained earnings to average equity (ytd only) | -9.7506% | 6,652 |
| Net charge-offs to loans | 0.1935% | 5,136 |
| Credit loss provision to net charge-offs | 242.5000% | 1,186 |
| Earnings coverage of net charge-offs (x) | -5.3750% | 6,777 |
| Efficiency ratio | 121.3718% | 396 |
| Assets per employee ($millions) | 3.0815% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 1,903 |
| Loan loss allowance to noncurrent loans | 48.3493% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.9299% | 1,733 |
| Noncurrent loans to loans | 4.5140% | 1,566 |
| Net loans and leases to total assets | 66.0328% | 3,463 |
| Net loans and leases to deposits | 73.3737% | 4,301 |
| Net loans and leases to core deposits | 92.9429% | 2,393 |
| Total domestic deposits to total assets | 89.9951% | 1,105 |
| Equity capital to assets | 9.9172% | 3,859 |
| Core capital (leverage) ratio | 10.5882% | 2,470 |
| Tier 1 risk-based capital ratio | 13.4159% | 4,283 |
| Total risk-based capital ratio | 14.7171% | 4,202 |
| Memoranda: | ||
| Average total assets | $29,733,200 | 7,212 |
| Average earning assets | $26,647,200 | 7,208 |
| Average equity | $3,199,800 | 7,221 |
| Average total loans | $20,669,400 | 6,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 5,768 |
| Cost of funding earning assets | 1.3453% | 3,938 |
| Net interest margin | 3.4284% | 5,578 |
| Noninterest income to average assets | 0.1403% | 6,850 |
| Noninterest expense to average assets | 4.0864% | 948 |
| Loan and lease loss provision to assets | 0.4390% | 3,278 |
| Net operating income to assets | -1.2942% | 7,030 |
| Return on assets (ROA) | -1.2942% | 7,056 |
| Pretax return on assets | -1.2942% | 6,976 |
| Return on Equity (ROE) | -11.7846% | 7,000 |
| Retained earnings to average equity (ytd only) | -11.7846% | 6,964 |
| Net charge-offs to loans | 0.2908% | 4,202 |
| Credit loss provision to net charge-offs | 215.5556% | 1,617 |
| Earnings coverage of net charge-offs (x) | -4.1998% | 6,582 |
| Efficiency ratio | 126.4706% | 325 |
| Assets per employee ($millions) | 3.1440% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2114% | 1,783 |
| Loan loss allowance to noncurrent loans | 44.4995% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 4.5271% | 1,496 |
| Noncurrent loans to loans | 4.9695% | 1,401 |
| Net loans and leases to total assets | 70.1689% | 2,698 |
| Net loans and leases to deposits | 78.8585% | 3,659 |
| Net loans and leases to core deposits | 103.4438% | 1,531 |
| Total domestic deposits to total assets | 88.9808% | 1,393 |
| Equity capital to assets | 10.9097% | 3,042 |
| Core capital (leverage) ratio | 10.6790% | 2,527 |
| Tier 1 risk-based capital ratio | 13.6747% | 4,068 |
| Total risk-based capital ratio | 14.9719% | 3,996 |
| Memoranda: | ||
| Average total assets | $29,462,750 | 7,312 |
| Average earning assets | $26,561,500 | 7,295 |
| Average equity | $3,235,750 | 7,303 |
| Average total loans | $20,636,250 | 6,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 6,136 |
| Cost of funding earning assets | 1.3746% | 4,030 |
| Net interest margin | 3.3289% | 5,910 |
| Noninterest income to average assets | -0.2546% | 7,697 |
| Noninterest expense to average assets | 3.5978% | 1,789 |
| Loan and lease loss provision to assets | 0.6499% | 2,216 |
| Net operating income to assets | -1.5008% | 7,149 |
| Return on assets (ROA) | -1.5008% | 7,161 |
| Pretax return on assets | -1.5008% | 7,078 |
| Return on Equity (ROE) | -13.6364% | 7,095 |
| Retained earnings to average equity (ytd only) | -13.6364% | 7,056 |
| Net charge-offs to loans | 0.4338% | 3,255 |
| Credit loss provision to net charge-offs | 215.5556% | 1,809 |
| Earnings coverage of net charge-offs (x) | -2.8222% | 6,254 |
| Efficiency ratio | 130.9756% | 309 |
| Assets per employee ($millions) | 3.2618% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 1,845 |
| Loan loss allowance to noncurrent loans | 45.6301% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 4.2785% | 1,565 |
| Noncurrent loans to loans | 4.7319% | 1,500 |
| Net loans and leases to total assets | 69.3078% | 3,062 |
| Net loans and leases to deposits | 77.7515% | 4,033 |
| Net loans and leases to core deposits | 102.0361% | 1,824 |
| Total domestic deposits to total assets | 89.1402% | 1,357 |
| Equity capital to assets | 10.7610% | 3,112 |
| Core capital (leverage) ratio | 10.3599% | 2,760 |
| Tier 1 risk-based capital ratio | 13.6066% | 4,002 |
| Total risk-based capital ratio | 14.9067% | 3,931 |
| Memoranda: | ||
| Average total assets | $29,851,670 | 7,349 |
| Average earning assets | $26,916,000 | 7,337 |
| Average equity | $3,285,330 | 7,329 |
| Average total loans | $20,747,000 | 7,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 6,378 |
| Cost of funding earning assets | 1.3417% | 4,550 |
| Net interest margin | 3.3174% | 5,904 |
| Noninterest income to average assets | -0.0133% | 7,694 |
| Noninterest expense to average assets | 3.5615% | 1,815 |
| Loan and lease loss provision to assets | 0.4651% | 2,641 |
| Net operating income to assets | -1.0499% | 7,136 |
| Return on assets (ROA) | -1.0499% | 7,156 |
| Pretax return on assets | -1.0499% | 7,071 |
| Return on Equity (ROE) | -9.4371% | 7,114 |
| Retained earnings to average equity (ytd only) | -9.4371% | 6,927 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6429% | 445 |
| Assets per employee ($millions) | 3.3847% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 1,774 |
| Loan loss allowance to noncurrent loans | 28.9157% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 8.1446% | 602 |
| Noncurrent loans to loans | 7.5784% | 744 |
| Net loans and leases to total assets | 63.2985% | 4,471 |
| Net loans and leases to deposits | 77.0694% | 4,211 |
| Net loans and leases to core deposits | 106.6895% | 1,521 |
| Total domestic deposits to total assets | 82.1318% | 5,023 |
| Equity capital to assets | 10.8594% | 2,884 |
| Core capital (leverage) ratio | 10.7767% | 2,386 |
| Tier 1 risk-based capital ratio | 13.9524% | 3,691 |
| Total risk-based capital ratio | 15.2511% | 3,619 |
| Memoranda: | ||
| Average total assets | $30,099,500 | 7,438 |
| Average earning assets | $27,129,500 | 7,424 |
| Average equity | $3,348,500 | 7,392 |
| Average total loans | $20,723,000 | 7,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 6,130 |
| Cost of funding earning assets | 1.7275% | 4,368 |
| Net interest margin | 3.3621% | 5,518 |
| Noninterest income to average assets | 0.2539% | 6,287 |
| Noninterest expense to average assets | 3.5395% | 2,296 |
| Loan and lease loss provision to assets | 2.3858% | 847 |
| Net operating income to assets | -2.6084% | 7,298 |
| Return on assets (ROA) | -2.6084% | 7,301 |
| Pretax return on assets | -2.6084% | 7,177 |
| Return on Equity (ROE) | -22.3776% | 7,217 |
| Retained earnings to average equity (ytd only) | -22.3776% | 7,188 |
| Net charge-offs to loans | 2.8582% | 764 |
| Credit loss provision to net charge-offs | 110.1302% | 4,996 |
| Earnings coverage of net charge-offs (x) | -0.1027% | 6,337 |
| Efficiency ratio | 106.7108% | 889 |
| Assets per employee ($millions) | 2.9737% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,459 |
| Loan loss allowance to noncurrent loans | 26.1528% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 8.0304% | 558 |
| Noncurrent loans to loans | 6.9851% | 802 |
| Net loans and leases to total assets | 71.7456% | 2,827 |
| Net loans and leases to deposits | 88.8440% | 2,412 |
| Net loans and leases to core deposits | 231.0984% | 58 |
| Total domestic deposits to total assets | 80.7546% | 5,420 |
| Equity capital to assets | 11.3966% | 2,395 |
| Core capital (leverage) ratio | 9.5508% | 3,658 |
| Tier 1 risk-based capital ratio | 12.7000% | 4,365 |
| Total risk-based capital ratio | 13.9885% | 4,276 |
| Memoranda: | ||
| Average total assets | $31,897,000 | 7,410 |
| Average earning assets | $29,059,600 | 7,390 |
| Average equity | $3,718,000 | 7,379 |
| Average total loans | $24,176,400 | 6,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1099% | 6,232 |
| Cost of funding earning assets | 1.7484% | 4,643 |
| Net interest margin | 3.3615% | 5,404 |
| Noninterest income to average assets | 0.2590% | 6,381 |
| Noninterest expense to average assets | 3.5555% | 2,132 |
| Loan and lease loss provision to assets | 2.0100% | 900 |
| Net operating income to assets | -2.2402% | 7,391 |
| Return on assets (ROA) | -2.2402% | 7,384 |
| Pretax return on assets | -2.2402% | 7,261 |
| Return on Equity (ROE) | -19.1211% | 7,343 |
| Retained earnings to average equity (ytd only) | -19.1211% | 7,309 |
| Net charge-offs to loans | 0.5379% | 3,069 |
| Credit loss provision to net charge-offs | 489.0000% | 809 |
| Earnings coverage of net charge-offs (x) | -0.5600% | 6,495 |
| Efficiency ratio | 106.9221% | 836 |
| Assets per employee ($millions) | 3.6030% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9666% | 683 |
| Loan loss allowance to noncurrent loans | 28.3564% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 7.0080% | 688 |
| Noncurrent loans to loans | 10.4620% | 367 |
| Net loans and leases to total assets | 64.9986% | 4,648 |
| Net loans and leases to deposits | 77.5772% | 4,807 |
| Net loans and leases to core deposits | 249.3771% | 49 |
| Total domestic deposits to total assets | 83.7857% | 3,824 |
| Equity capital to assets | 10.2137% | 3,833 |
| Core capital (leverage) ratio | 10.4573% | 2,827 |
| Tier 1 risk-based capital ratio | 13.0715% | 4,140 |
| Total risk-based capital ratio | 14.3575% | 4,049 |
| Memoranda: | ||
| Average total assets | $32,437,000 | 7,446 |
| Average earning assets | $29,589,000 | 7,437 |
| Average equity | $3,800,250 | 7,416 |
| Average total loans | $24,787,500 | 6,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 4,374 |
| Cost of funding earning assets | 1.9083% | 4,219 |
| Net interest margin | 3.6342% | 4,228 |
| Noninterest income to average assets | 0.2433% | 6,544 |
| Noninterest expense to average assets | 3.7837% | 1,685 |
| Loan and lease loss provision to assets | 0.9603% | 1,762 |
| Net operating income to assets | -1.1844% | 7,101 |
| Return on assets (ROA) | -1.1844% | 7,114 |
| Pretax return on assets | -1.1844% | 6,930 |
| Return on Equity (ROE) | -9.6346% | 7,005 |
| Retained earnings to average equity (ytd only) | -9.6346% | 6,837 |
| Net charge-offs to loans | 0.0720% | 5,497 |
| Credit loss provision to net charge-offs | 1,666.6667% | 308 |
| Earnings coverage of net charge-offs (x) | -3.8889% | 6,430 |
| Efficiency ratio | 106.2950% | 963 |
| Assets per employee ($millions) | 3.1669% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 1,970 |
| Loan loss allowance to noncurrent loans | 44.6565% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 3.3092% | 1,882 |
| Noncurrent loans to loans | 4.0923% | 1,636 |
| Net loans and leases to total assets | 79.3868% | 1,436 |
| Net loans and leases to deposits | 97.8935% | 1,534 |
| Net loans and leases to core deposits | 272.5607% | 49 |
| Total domestic deposits to total assets | 81.0951% | 5,042 |
| Equity capital to assets | 12.0465% | 2,178 |
| Core capital (leverage) ratio | 12.1927% | 1,753 |
| Tier 1 risk-based capital ratio | 13.5976% | 3,759 |
| Total risk-based capital ratio | 14.8526% | 3,681 |
| Memoranda: | ||
| Average total assets | $31,239,330 | 7,555 |
| Average earning assets | $28,506,670 | 7,549 |
| Average equity | $3,840,330 | 7,461 |
| Average total loans | $25,005,000 | 7,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 3,717 |
| Cost of funding earning assets | 2.0745% | 3,774 |
| Net interest margin | 3.6410% | 4,135 |
| Noninterest income to average assets | 0.2450% | 6,498 |
| Noninterest expense to average assets | 3.5456% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0258% | 6,189 |
| Return on assets (ROA) | 0.0258% | 6,346 |
| Pretax return on assets | 0.0258% | 6,329 |
| Return on Equity (ROE) | 0.2076% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.2076% | 5,576 |
| Net charge-offs to loans | 0.0486% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 4,470 |
| Efficiency ratio | 99.2780% | 1,164 |
| Assets per employee ($millions) | 2.9623% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 3,665 |
| Loan loss allowance to noncurrent loans | 50.2326% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 2,629 |
| Noncurrent loans to loans | 2.7298% | 2,400 |
| Net loans and leases to total assets | 78.6686% | 1,654 |
| Net loans and leases to deposits | 98.7458% | 1,565 |
| Net loans and leases to core deposits | 232.3893% | 85 |
| Total domestic deposits to total assets | 79.6678% | 5,481 |
| Equity capital to assets | 13.0338% | 1,724 |
| Core capital (leverage) ratio | 11.6771% | 2,056 |
| Tier 1 risk-based capital ratio | 14.6212% | 3,246 |
| Total risk-based capital ratio | 15.8728% | 3,176 |
| Memoranda: | ||
| Average total assets | $31,024,500 | 7,609 |
| Average earning assets | $28,344,000 | 7,598 |
| Average equity | $3,853,000 | 7,502 |
| Average total loans | $24,703,000 | 7,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6320% | 2,329 |
| Cost of funding earning assets | 3.0790% | 1,576 |
| Net interest margin | 3.5530% | 5,083 |
| Noninterest income to average assets | 0.3681% | 5,761 |
| Noninterest expense to average assets | 3.8740% | 1,611 |
| Loan and lease loss provision to assets | 0.0513% | 6,773 |
| Net operating income to assets | -0.3681% | 6,791 |
| Return on assets (ROA) | -0.3681% | 6,666 |
| Pretax return on assets | -0.3681% | 6,518 |
| Return on Equity (ROE) | -3.2865% | 6,656 |
| Retained earnings to average equity (ytd only) | -3.2865% | 6,173 |
| Net charge-offs to loans | 0.0121% | 6,747 |
| Credit loss provision to net charge-offs | 566.6667% | 774 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 6,966 |
| Efficiency ratio | 108.9059% | 732 |
| Assets per employee ($millions) | 3.2426% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,069 |
| Loan loss allowance to noncurrent loans | 1,296.0000% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 7,258 |
| Noncurrent loans to loans | 0.0970% | 7,125 |
| Net loans and leases to total assets | 78.4987% | 2,002 |
| Net loans and leases to deposits | 96.3291% | 2,396 |
| Net loans and leases to core deposits | 231.9482% | 89 |
| Total domestic deposits to total assets | 81.4902% | 4,414 |
| Equity capital to assets | 11.8578% | 2,383 |
| Core capital (leverage) ratio | 11.4132% | 2,302 |
| Tier 1 risk-based capital ratio | 14.1253% | 3,487 |
| Total risk-based capital ratio | 15.3341% | 3,424 |
| Memoranda: | ||
| Average total assets | $33,144,200 | 7,501 |
| Average earning assets | $29,749,600 | 7,526 |
| Average equity | $3,712,200 | 7,602 |
| Average total loans | $24,714,600 | 7,043 |