Home > Generations Bank > Performance and Condition Ratios
Generations Bank, Performance and Condition Ratios
| 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 | 4.1499% | 3,149 |
| Cost of funding earning assets | 0.2590% | 5,394 |
| Net interest margin | 3.8909% | 2,212 |
| Noninterest income to average assets | 0.9401% | 1,365 |
| Noninterest expense to average assets | 3.6193% | 1,261 |
| Loan and lease loss provision to assets | 0.0852% | 2,602 |
| Net operating income to assets | 0.8284% | 3,183 |
| Return on assets (ROA) | 0.8815% | 2,988 |
| Pretax return on assets | 0.9321% | 3,751 |
| Return on Equity (ROE) | 8.1675% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.1675% | 1,264 |
| Net charge-offs to loans | -0.1447% | 6,255 |
| Credit loss provision to net charge-offs | -91.4286% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0116% | 2,168 |
| Assets per employee ($millions) | 3.7849% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 3,796 |
| Loan loss allowance to noncurrent loans | 5,107.6923% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 5,266 |
| Noncurrent loans to loans | 0.0257% | 5,992 |
| Net loans and leases to total assets | 62.8562% | 3,263 |
| Net loans and leases to deposits | 70.5779% | 3,742 |
| Net loans and leases to core deposits | 72.8344% | 3,963 |
| Total domestic deposits to total assets | 89.0593% | 1,320 |
| Equity capital to assets | 10.5998% | 3,311 |
| Core capital (leverage) ratio | 10.9232% | 2,504 |
| Tier 1 risk-based capital ratio | 14.8577% | 3,717 |
| Total risk-based capital ratio | 16.0315% | 3,711 |
| Memoranda: | ||
| Average total assets | $75,097,000 | 5,270 |
| Average earning assets | $70,266,670 | 5,213 |
| Average equity | $8,105,330 | 5,245 |
| Average total loans | $48,370,330 | 4,952 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 3,167 |
| Cost of funding earning assets | 0.2753% | 5,331 |
| Net interest margin | 3.8547% | 2,256 |
| Noninterest income to average assets | 0.8614% | 1,516 |
| Noninterest expense to average assets | 3.6486% | 1,216 |
| Loan and lease loss provision to assets | 0.1756% | 1,376 |
| Net operating income to assets | 0.6145% | 4,131 |
| Return on assets (ROA) | 0.6145% | 4,205 |
| Pretax return on assets | 0.6474% | 4,673 |
| Return on Equity (ROE) | 5.6384% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.6384% | 2,724 |
| Net charge-offs to loans | 0.0085% | 3,457 |
| Credit loss provision to net charge-offs | 3,200.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 326 |
| Efficiency ratio | 81.5951% | 1,978 |
| Assets per employee ($millions) | 3.7500% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,888 |
| Loan loss allowance to noncurrent loans | 107.5342% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 3,151 |
| Noncurrent loans to loans | 1.2492% | 2,954 |
| Net loans and leases to total assets | 61.4973% | 3,312 |
| Net loans and leases to deposits | 69.0485% | 3,731 |
| Net loans and leases to core deposits | 71.3901% | 3,936 |
| Total domestic deposits to total assets | 89.0640% | 1,617 |
| Equity capital to assets | 10.6840% | 3,059 |
| Core capital (leverage) ratio | 11.0165% | 2,372 |
| Tier 1 risk-based capital ratio | 15.4385% | 3,473 |
| Total risk-based capital ratio | 16.6236% | 3,462 |
| Memoranda: | ||
| Average total assets | $72,904,000 | 5,369 |
| Average earning assets | $68,280,500 | 5,308 |
| Average equity | $7,945,500 | 5,317 |
| Average total loans | $47,243,500 | 5,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,728 |
| Cost of funding earning assets | 0.4282% | 4,336 |
| Net interest margin | 3.9325% | 2,167 |
| Noninterest income to average assets | 0.9097% | 1,648 |
| Noninterest expense to average assets | 3.6647% | 1,343 |
| Loan and lease loss provision to assets | 0.3825% | 797 |
| Net operating income to assets | 0.5037% | 4,716 |
| Return on assets (ROA) | 0.5315% | 4,715 |
| Pretax return on assets | 0.5487% | 5,051 |
| Return on Equity (ROE) | 4.6437% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.0152% | 4,801 |
| Net charge-offs to loans | 0.6315% | 1,036 |
| Credit loss provision to net charge-offs | 88.1188% | 2,816 |
| Earnings coverage of net charge-offs (x) | 2.0792% | 4,352 |
| Efficiency ratio | 80.2384% | 2,117 |
| Assets per employee ($millions) | 3.5404% | 4,824 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,384 |
| Loan loss allowance to noncurrent loans | 67.3055% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 2,404 |
| Noncurrent loans to loans | 1.8581% | 2,158 |
| Net loans and leases to total assets | 66.5730% | 2,597 |
| Net loans and leases to deposits | 75.2262% | 3,066 |
| Net loans and leases to core deposits | 77.9531% | 3,368 |
| Total domestic deposits to total assets | 88.4971% | 1,908 |
| Equity capital to assets | 11.1259% | 2,503 |
| Core capital (leverage) ratio | 11.3793% | 2,050 |
| Tier 1 risk-based capital ratio | 15.2055% | 3,542 |
| Total risk-based capital ratio | 16.3313% | 3,563 |
| Memoranda: | ||
| Average total assets | $69,801,400 | 5,487 |
| Average earning assets | $64,920,600 | 5,439 |
| Average equity | $7,989,400 | 5,336 |
| Average total loans | $47,984,400 | 5,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 2,703 |
| Cost of funding earning assets | 0.4501% | 4,271 |
| Net interest margin | 3.9169% | 2,208 |
| Noninterest income to average assets | 0.9259% | 1,674 |
| Noninterest expense to average assets | 3.6309% | 1,350 |
| Loan and lease loss provision to assets | 0.0767% | 3,526 |
| Net operating income to assets | 0.8366% | 3,158 |
| Return on assets (ROA) | 0.8742% | 3,083 |
| Pretax return on assets | 0.8933% | 3,915 |
| Return on Equity (ROE) | 7.5834% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.0911% | 3,779 |
| Net charge-offs to loans | 0.0056% | 5,072 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 242.6891% | 244 |
| Efficiency ratio | 79.5798% | 2,165 |
| Assets per employee ($millions) | 3.3134% | 5,261 |
| Cash dividends to net income (ytd only)* | 46.0525% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 3,964 |
| Loan loss allowance to noncurrent loans | 97.3875% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 2,756 |
| Noncurrent loans to loans | 1.4217% | 3,037 |
| Net loans and leases to total assets | 68.6859% | 2,204 |
| Net loans and leases to deposits | 77.8946% | 2,684 |
| Net loans and leases to core deposits | 80.7764% | 3,033 |
| Total domestic deposits to total assets | 88.1780% | 2,010 |
| Equity capital to assets | 11.4800% | 2,319 |
| Core capital (leverage) ratio | 11.3751% | 2,145 |
| Tier 1 risk-based capital ratio | 15.3292% | 3,550 |
| Total risk-based capital ratio | 16.5787% | 3,504 |
| Memoranda: | ||
| Average total assets | $69,549,750 | 5,548 |
| Average earning assets | $64,572,750 | 5,505 |
| Average equity | $8,017,250 | 5,386 |
| Average total loans | $48,046,500 | 5,071 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,992 |
| Cost of funding earning assets | 0.4651% | 4,259 |
| Net interest margin | 3.8258% | 2,456 |
| Noninterest income to average assets | 0.8887% | 1,856 |
| Noninterest expense to average assets | 3.5663% | 1,469 |
| Loan and lease loss provision to assets | 0.0374% | 4,201 |
| Net operating income to assets | 0.8312% | 3,144 |
| Return on assets (ROA) | 0.8887% | 3,005 |
| Pretax return on assets | 0.8916% | 3,942 |
| Return on Equity (ROE) | 7.6990% | 3,237 |
| Retained earnings to average equity (ytd only) | 2.4667% | 4,736 |
| Net charge-offs to loans | 0.0083% | 4,718 |
| Credit loss provision to net charge-offs | 650.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 326 |
| Efficiency ratio | 80.3629% | 2,107 |
| Assets per employee ($millions) | 3.6951% | 4,409 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,316 |
| Loan loss allowance to noncurrent loans | 803.7500% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 4,350 |
| Noncurrent loans to loans | 0.1667% | 5,907 |
| Net loans and leases to total assets | 67.4600% | 2,344 |
| Net loans and leases to deposits | 76.2534% | 2,845 |
| Net loans and leases to core deposits | 79.0325% | 3,162 |
| Total domestic deposits to total assets | 88.4682% | 1,936 |
| Equity capital to assets | 11.2498% | 2,522 |
| Core capital (leverage) ratio | 11.4454% | 1,983 |
| Tier 1 risk-based capital ratio | 15.1447% | 3,683 |
| Total risk-based capital ratio | 16.3647% | 3,667 |
| Memoranda: | ||
| Average total assets | $69,539,000 | 5,586 |
| Average earning assets | $64,509,000 | 5,545 |
| Average equity | $8,027,000 | 5,423 |
| Average total loans | $47,907,330 | 5,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2536% | 3,088 |
| Cost of funding earning assets | 0.4913% | 4,166 |
| Net interest margin | 3.7623% | 2,603 |
| Noninterest income to average assets | 0.7629% | 2,284 |
| Noninterest expense to average assets | 3.6124% | 1,399 |
| Loan and lease loss provision to assets | 0.0751% | 3,377 |
| Net operating income to assets | 0.6358% | 4,047 |
| Return on assets (ROA) | 0.6358% | 4,205 |
| Pretax return on assets | 0.5722% | 5,045 |
| Return on Equity (ROE) | 5.4378% | 4,336 |
| Retained earnings to average equity (ytd only) | 0.4943% | 5,628 |
| Net charge-offs to loans | 0.0167% | 3,822 |
| Credit loss provision to net charge-offs | 650.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 622 |
| Efficiency ratio | 84.8033% | 1,665 |
| Assets per employee ($millions) | 3.5897% | 4,803 |
| Cash dividends to net income (ytd only)* | 90.9091% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 4,685 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.6412% | 2,086 |
| Net loans and leases to deposits | 76.9118% | 2,500 |
| Net loans and leases to core deposits | 79.8138% | 2,830 |
| Total domestic deposits to total assets | 87.9465% | 2,352 |
| Equity capital to assets | 11.8732% | 2,126 |
| Core capital (leverage) ratio | 11.6775% | 1,766 |
| Tier 1 risk-based capital ratio | 15.6905% | 3,432 |
| Total risk-based capital ratio | 16.9419% | 3,396 |
| Memoranda: | ||
| Average total assets | $69,205,500 | 5,648 |
| Average earning assets | $64,322,000 | 5,606 |
| Average equity | $8,091,500 | 5,462 |
| Average total loans | $47,859,000 | 5,134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 1,789 |
| Cost of funding earning assets | 0.5983% | 4,373 |
| Net interest margin | 4.3158% | 1,369 |
| Noninterest income to average assets | 0.9135% | 1,823 |
| Noninterest expense to average assets | 3.7162% | 1,383 |
| Loan and lease loss provision to assets | 0.2208% | 2,928 |
| Net operating income to assets | 0.9302% | 2,646 |
| Return on assets (ROA) | 0.9302% | 2,894 |
| Pretax return on assets | 0.9850% | 3,598 |
| Return on Equity (ROE) | 7.8614% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.8192% | 1,661 |
| Net charge-offs to loans | 0.1828% | 3,917 |
| Credit loss provision to net charge-offs | 164.7727% | 1,621 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,321 |
| Efficiency ratio | 75.5026% | 2,827 |
| Assets per employee ($millions) | 3.5104% | 4,987 |
| Cash dividends to net income (ytd only)* | 13.2570% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,661 |
| Loan loss allowance to noncurrent loans | 879.1667% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 4,571 |
| Noncurrent loans to loans | 0.1471% | 6,109 |
| Net loans and leases to total assets | 68.8065% | 2,065 |
| Net loans and leases to deposits | 81.3455% | 2,099 |
| Net loans and leases to core deposits | 84.4380% | 2,495 |
| Total domestic deposits to total assets | 84.5856% | 4,049 |
| Equity capital to assets | 11.5159% | 2,433 |
| Core capital (leverage) ratio | 11.8119% | 1,660 |
| Tier 1 risk-based capital ratio | 15.1192% | 3,661 |
| Total risk-based capital ratio | 16.3348% | 3,624 |
| Memoranda: | ||
| Average total assets | $65,684,600 | 5,757 |
| Average earning assets | $61,007,800 | 5,705 |
| Average equity | $7,772,200 | 5,564 |
| Average total loans | $48,132,800 | 5,172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,554 |
| Cost of funding earning assets | 0.6260% | 4,403 |
| Net interest margin | 4.4263% | 1,147 |
| Noninterest income to average assets | 0.9108% | 1,791 |
| Noninterest expense to average assets | 3.8024% | 1,206 |
| Loan and lease loss provision to assets | 0.2582% | 2,510 |
| Net operating income to assets | 0.9150% | 2,907 |
| Return on assets (ROA) | 0.9150% | 3,133 |
| Pretax return on assets | 0.9687% | 3,829 |
| Return on Equity (ROE) | 7.6768% | 3,436 |
| Retained earnings to average equity (ytd only) | 6.2731% | 2,508 |
| Net charge-offs to loans | 0.1419% | 3,977 |
| Credit loss provision to net charge-offs | 245.0980% | 1,130 |
| Earnings coverage of net charge-offs (x) | 11.6468% | 2,059 |
| Efficiency ratio | 75.6057% | 2,736 |
| Assets per employee ($millions) | 3.4439% | 5,106 |
| Cash dividends to net income (ytd only)* | 18.2849% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,541 |
| Loan loss allowance to noncurrent loans | 433.3333% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 4,802 |
| Noncurrent loans to loans | 0.3139% | 5,854 |
| Net loans and leases to total assets | 72.0272% | 1,551 |
| Net loans and leases to deposits | 82.3206% | 2,074 |
| Net loans and leases to core deposits | 85.5667% | 2,520 |
| Total domestic deposits to total assets | 87.4960% | 2,356 |
| Equity capital to assets | 12.0914% | 2,181 |
| Core capital (leverage) ratio | 12.0478% | 1,628 |
| Tier 1 risk-based capital ratio | 15.2012% | 3,703 |
| Total risk-based capital ratio | 16.4508% | 3,651 |
| Memoranda: | ||
| Average total assets | $64,554,000 | 5,864 |
| Average earning assets | $60,063,250 | 5,803 |
| Average equity | $7,694,000 | 5,647 |
| Average total loans | $47,931,000 | 5,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 1,647 |
| Cost of funding earning assets | 0.6578% | 4,378 |
| Net interest margin | 4.3976% | 1,205 |
| Noninterest income to average assets | 0.9244% | 1,693 |
| Noninterest expense to average assets | 3.8033% | 1,207 |
| Loan and lease loss provision to assets | 0.3268% | 2,013 |
| Net operating income to assets | 0.8434% | 3,176 |
| Return on assets (ROA) | 0.8434% | 3,444 |
| Pretax return on assets | 0.8932% | 4,102 |
| Return on Equity (ROE) | 7.1116% | 3,722 |
| Retained earnings to average equity (ytd only) | 7.1116% | 2,042 |
| Net charge-offs to loans | 0.2126% | 3,295 |
| Credit loss provision to net charge-offs | 205.8824% | 1,378 |
| Earnings coverage of net charge-offs (x) | 7.6863% | 2,438 |
| Efficiency ratio | 75.7125% | 2,787 |
| Assets per employee ($millions) | 3.0652% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 4,977 |
| Loan loss allowance to noncurrent loans | 420.0000% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 5,638 |
| Noncurrent loans to loans | 0.3051% | 5,948 |
| Net loans and leases to total assets | 75.4016% | 1,051 |
| Net loans and leases to deposits | 86.1255% | 1,578 |
| Net loans and leases to core deposits | 89.8216% | 2,005 |
| Total domestic deposits to total assets | 87.5485% | 2,436 |
| Equity capital to assets | 12.0802% | 2,090 |
| Core capital (leverage) ratio | 11.7795% | 1,738 |
| Tier 1 risk-based capital ratio | 14.7296% | 3,947 |
| Total risk-based capital ratio | 15.9499% | 3,925 |
| Memoranda: | ||
| Average total assets | $64,260,330 | 5,908 |
| Average earning assets | $59,895,670 | 5,843 |
| Average equity | $7,621,330 | 5,681 |
| Average total loans | $47,981,000 | 5,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 1,916 |
| Cost of funding earning assets | 0.6941% | 4,331 |
| Net interest margin | 4.2981% | 1,470 |
| Noninterest income to average assets | 0.9283% | 1,634 |
| Noninterest expense to average assets | 3.7255% | 1,339 |
| Loan and lease loss provision to assets | 0.1869% | 3,090 |
| Net operating income to assets | 0.9345% | 2,771 |
| Return on assets (ROA) | 0.9345% | 2,975 |
| Pretax return on assets | 1.0279% | 3,582 |
| Return on Equity (ROE) | 7.9533% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.9533% | 1,999 |
| Net charge-offs to loans | 0.1351% | 3,296 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 12.1875% | 1,619 |
| Efficiency ratio | 75.4098% | 2,863 |
| Assets per employee ($millions) | 3.2147% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 5,304 |
| Loan loss allowance to noncurrent loans | 110.4869% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 4,802 |
| Noncurrent loans to loans | 1.1241% | 4,455 |
| Net loans and leases to total assets | 72.9675% | 1,228 |
| Net loans and leases to deposits | 82.9995% | 1,796 |
| Net loans and leases to core deposits | 86.5426% | 2,223 |
| Total domestic deposits to total assets | 87.9131% | 2,379 |
| Equity capital to assets | 11.8333% | 2,157 |
| Core capital (leverage) ratio | 11.6886% | 1,779 |
| Tier 1 risk-based capital ratio | 14.8404% | 3,862 |
| Total risk-based capital ratio | 16.0116% | 3,878 |
| Memoranda: | ||
| Average total assets | $64,205,500 | 5,952 |
| Average earning assets | $59,933,500 | 5,876 |
| Average equity | $7,544,000 | 5,724 |
| Average total loans | $47,388,500 | 5,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 2,495 |
| Cost of funding earning assets | 1.0077% | 3,318 |
| Net interest margin | 4.0818% | 2,516 |
| Noninterest income to average assets | 0.9210% | 1,601 |
| Noninterest expense to average assets | 3.7313% | 1,475 |
| Loan and lease loss provision to assets | 0.1820% | 4,370 |
| Net operating income to assets | 0.7615% | 3,211 |
| Return on assets (ROA) | 0.7659% | 3,357 |
| Pretax return on assets | 0.8197% | 3,912 |
| Return on Equity (ROE) | 6.7338% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.7338% | 1,624 |
| Net charge-offs to loans | 0.2289% | 4,354 |
| Credit loss provision to net charge-offs | 107.4766% | 3,146 |
| Earnings coverage of net charge-offs (x) | 5.8879% | 2,652 |
| Efficiency ratio | 78.9157% | 2,470 |
| Assets per employee ($millions) | 3.2059% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,303 |
| Loan loss allowance to noncurrent loans | 74.0360% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,151 |
| Noncurrent loans to loans | 1.6457% | 3,695 |
| Net loans and leases to total assets | 72.8313% | 1,487 |
| Net loans and leases to deposits | 82.7832% | 2,096 |
| Net loans and leases to core deposits | 86.6832% | 2,546 |
| Total domestic deposits to total assets | 87.9784% | 2,177 |
| Equity capital to assets | 11.6660% | 2,365 |
| Core capital (leverage) ratio | 11.5744% | 1,832 |
| Tier 1 risk-based capital ratio | 14.4907% | 3,981 |
| Total risk-based capital ratio | 15.6310% | 4,026 |
| Memoranda: | ||
| Average total assets | $63,195,400 | 5,947 |
| Average earning assets | $58,944,400 | 5,904 |
| Average equity | $7,187,600 | 5,816 |
| Average total loans | $46,745,600 | 5,393 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 2,539 |
| Cost of funding earning assets | 1.0627% | 3,228 |
| Net interest margin | 4.0508% | 2,688 |
| Noninterest income to average assets | 0.9127% | 1,603 |
| Noninterest expense to average assets | 3.6633% | 1,577 |
| Loan and lease loss provision to assets | 0.1800% | 4,229 |
| Net operating income to assets | 0.7776% | 3,266 |
| Return on assets (ROA) | 0.7835% | 3,406 |
| Pretax return on assets | 0.8534% | 3,936 |
| Return on Equity (ROE) | 6.9340% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.9340% | 2,002 |
| Net charge-offs to loans | 0.0686% | 5,271 |
| Credit loss provision to net charge-offs | 354.1667% | 799 |
| Earnings coverage of net charge-offs (x) | 20.2078% | 1,230 |
| Efficiency ratio | 78.1038% | 2,532 |
| Assets per employee ($millions) | 3.5505% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,821 |
| Loan loss allowance to noncurrent loans | 83.9786% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 4,442 |
| Noncurrent loans to loans | 1.5941% | 3,905 |
| Net loans and leases to total assets | 72.5344% | 1,602 |
| Net loans and leases to deposits | 82.2454% | 2,314 |
| Net loans and leases to core deposits | 86.5174% | 2,705 |
| Total domestic deposits to total assets | 88.1926% | 1,932 |
| Equity capital to assets | 11.5070% | 2,673 |
| Core capital (leverage) ratio | 11.3663% | 2,118 |
| Tier 1 risk-based capital ratio | 14.2716% | 4,146 |
| Total risk-based capital ratio | 15.5182% | 4,110 |
| Memoranda: | ||
| Average total assets | $62,964,750 | 6,007 |
| Average earning assets | $58,719,000 | 5,949 |
| Average equity | $7,114,500 | 5,874 |
| Average total loans | $46,613,500 | 5,447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 2,642 |
| Cost of funding earning assets | 1.1016% | 3,226 |
| Net interest margin | 4.0061% | 2,805 |
| Noninterest income to average assets | 0.8875% | 1,683 |
| Noninterest expense to average assets | 3.6840% | 1,560 |
| Loan and lease loss provision to assets | 0.1117% | 4,903 |
| Net operating income to assets | 0.7821% | 3,146 |
| Return on assets (ROA) | 0.7821% | 3,274 |
| Pretax return on assets | 0.8300% | 3,909 |
| Return on Equity (ROE) | 6.9655% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.9655% | 1,892 |
| Net charge-offs to loans | -0.0043% | 6,571 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6411% | 2,443 |
| Assets per employee ($millions) | 3.2078% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 5,795 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 73.2460% | 1,546 |
| Net loans and leases to deposits | 82.7306% | 2,329 |
| Net loans and leases to core deposits | 86.3329% | 2,858 |
| Total domestic deposits to total assets | 88.5356% | 1,830 |
| Equity capital to assets | 11.1994% | 2,768 |
| Core capital (leverage) ratio | 11.3551% | 2,009 |
| Tier 1 risk-based capital ratio | 13.8413% | 4,279 |
| Total risk-based capital ratio | 15.0238% | 4,298 |
| Memoranda: | ||
| Average total assets | $62,650,000 | 6,065 |
| Average earning assets | $58,460,670 | 6,013 |
| Average equity | $7,034,670 | 5,915 |
| Average total loans | $46,489,670 | 5,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 2,699 |
| Cost of funding earning assets | 1.1575% | 3,103 |
| Net interest margin | 3.9300% | 2,999 |
| Noninterest income to average assets | 0.8530% | 1,840 |
| Noninterest expense to average assets | 3.6577% | 1,635 |
| Loan and lease loss provision to assets | 0.1551% | 4,085 |
| Net operating income to assets | 0.6785% | 3,618 |
| Return on assets (ROA) | 0.6785% | 3,684 |
| Pretax return on assets | 0.7044% | 4,294 |
| Return on Equity (ROE) | 6.0349% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.0349% | 2,618 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9728% | 2,373 |
| Assets per employee ($millions) | 3.1165% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,282 |
| Loan loss allowance to noncurrent loans | 99.8314% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0637% | 4,797 |
| Noncurrent loans to loans | 1.2743% | 4,569 |
| Net loans and leases to total assets | 73.7137% | 1,390 |
| Net loans and leases to deposits | 83.3258% | 2,134 |
| Net loans and leases to core deposits | 87.7165% | 2,637 |
| Total domestic deposits to total assets | 88.4644% | 2,102 |
| Equity capital to assets | 11.2837% | 2,429 |
| Core capital (leverage) ratio | 11.2776% | 1,975 |
| Tier 1 risk-based capital ratio | 13.9950% | 4,073 |
| Total risk-based capital ratio | 15.1913% | 4,086 |
| Memoranda: | ||
| Average total assets | $61,897,500 | 6,125 |
| Average earning assets | $57,710,500 | 6,078 |
| Average equity | $6,959,500 | 5,941 |
| Average total loans | $45,937,000 | 5,563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 4,173 |
| Cost of funding earning assets | 1.5056% | 2,604 |
| Net interest margin | 3.5785% | 4,922 |
| Noninterest income to average assets | 0.8747% | 1,952 |
| Noninterest expense to average assets | 3.9560% | 1,230 |
| Loan and lease loss provision to assets | 0.4504% | 3,431 |
| Net operating income to assets | -0.1478% | 6,045 |
| Return on assets (ROA) | -0.1478% | 6,105 |
| Pretax return on assets | -0.2087% | 6,093 |
| Return on Equity (ROE) | -1.2437% | 6,087 |
| Retained earnings to average equity (ytd only) | -1.2437% | 5,845 |
| Net charge-offs to loans | 0.2520% | 4,778 |
| Credit loss provision to net charge-offs | 253.9216% | 1,114 |
| Earnings coverage of net charge-offs (x) | 1.3627% | 4,748 |
| Efficiency ratio | 94.2419% | 1,049 |
| Assets per employee ($millions) | 3.2351% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 6,952 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.8354% | 1,916 |
| Net loans and leases to deposits | 82.3580% | 2,738 |
| Net loans and leases to core deposits | 88.9810% | 2,906 |
| Total domestic deposits to total assets | 88.4375% | 1,991 |
| Equity capital to assets | 11.2029% | 2,509 |
| Core capital (leverage) ratio | 11.3902% | 1,894 |
| Tier 1 risk-based capital ratio | 14.1190% | 3,792 |
| Total risk-based capital ratio | 15.2942% | 3,809 |
| Memoranda: | ||
| Average total assets | $57,507,400 | 6,289 |
| Average earning assets | $53,402,200 | 6,241 |
| Average equity | $6,834,200 | 6,095 |
| Average total loans | $40,481,600 | 5,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 4,598 |
| Cost of funding earning assets | 1.5877% | 2,456 |
| Net interest margin | 3.4600% | 5,455 |
| Noninterest income to average assets | 0.8611% | 1,949 |
| Noninterest expense to average assets | 3.9562% | 1,108 |
| Loan and lease loss provision to assets | 0.4789% | 3,080 |
| Net operating income to assets | -0.3043% | 6,429 |
| Return on assets (ROA) | -0.3043% | 6,475 |
| Pretax return on assets | -0.3609% | 6,454 |
| Return on Equity (ROE) | -2.5215% | 6,452 |
| Retained earnings to average equity (ytd only) | -2.5215% | 6,289 |
| Net charge-offs to loans | 0.2071% | 4,703 |
| Credit loss provision to net charge-offs | 332.7869% | 954 |
| Earnings coverage of net charge-offs (x) | 0.8197% | 5,235 |
| Efficiency ratio | 97.1048% | 864 |
| Assets per employee ($millions) | 3.2764% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,218 |
| Loan loss allowance to noncurrent loans | 211.0687% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 6,319 |
| Noncurrent loans to loans | 0.5927% | 6,031 |
| Net loans and leases to total assets | 74.0098% | 1,802 |
| Net loans and leases to deposits | 84.0710% | 2,692 |
| Net loans and leases to core deposits | 91.1574% | 2,930 |
| Total domestic deposits to total assets | 88.0324% | 1,936 |
| Equity capital to assets | 11.5691% | 2,479 |
| Core capital (leverage) ratio | 11.7706% | 1,779 |
| Tier 1 risk-based capital ratio | 14.4366% | 3,545 |
| Total risk-based capital ratio | 15.6141% | 3,554 |
| Memoranda: | ||
| Average total assets | $56,517,750 | 6,401 |
| Average earning assets | $52,484,750 | 6,352 |
| Average equity | $6,821,250 | 6,172 |
| Average total loans | $39,267,750 | 6,034 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 5,834 |
| Cost of funding earning assets | 1.7064% | 2,086 |
| Net interest margin | 3.0831% | 6,647 |
| Noninterest income to average assets | 0.8366% | 1,933 |
| Noninterest expense to average assets | 4.0109% | 1,032 |
| Loan and lease loss provision to assets | 0.5925% | 2,411 |
| Net operating income to assets | -0.8761% | 6,893 |
| Return on assets (ROA) | -0.8761% | 6,910 |
| Pretax return on assets | -0.9121% | 6,849 |
| Return on Equity (ROE) | -7.1547% | 6,846 |
| Retained earnings to average equity (ytd only) | -7.1547% | 6,753 |
| Net charge-offs to loans | 0.3243% | 3,702 |
| Credit loss provision to net charge-offs | 270.4918% | 1,394 |
| Earnings coverage of net charge-offs (x) | -1.4590% | 6,171 |
| Efficiency ratio | 108.6576% | 575 |
| Assets per employee ($millions) | 2.8831% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,176 |
| Loan loss allowance to noncurrent loans | 402.3438% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 6,840 |
| Noncurrent loans to loans | 0.3109% | 6,605 |
| Net loans and leases to total assets | 70.5057% | 2,792 |
| Net loans and leases to deposits | 80.0910% | 3,583 |
| Net loans and leases to core deposits | 86.0514% | 3,823 |
| Total domestic deposits to total assets | 88.0320% | 1,984 |
| Equity capital to assets | 11.6350% | 2,331 |
| Core capital (leverage) ratio | 11.6748% | 1,824 |
| Tier 1 risk-based capital ratio | 15.0295% | 3,144 |
| Total risk-based capital ratio | 16.1909% | 3,153 |
| Memoranda: | ||
| Average total assets | $55,698,330 | 6,471 |
| Average earning assets | $51,572,000 | 6,422 |
| Average equity | $6,820,670 | 6,198 |
| Average total loans | $37,623,330 | 6,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 6,421 |
| Cost of funding earning assets | 1.8683% | 1,575 |
| Net interest margin | 2.7788% | 7,212 |
| Noninterest income to average assets | 0.7457% | 2,321 |
| Noninterest expense to average assets | 3.8964% | 1,173 |
| Loan and lease loss provision to assets | 0.3875% | 3,034 |
| Net operating income to assets | -0.9430% | 7,078 |
| Return on assets (ROA) | -0.9430% | 7,104 |
| Pretax return on assets | -0.9723% | 7,037 |
| Return on Equity (ROE) | -7.5038% | 7,029 |
| Retained earnings to average equity (ytd only) | -7.5038% | 6,788 |
| Net charge-offs to loans | -0.0112% | 6,915 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6600% | 473 |
| Assets per employee ($millions) | 2.7700% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 5,224 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 6,045 |
| Noncurrent loans to loans | 0.9161% | 5,484 |
| Net loans and leases to total assets | 63.1896% | 4,492 |
| Net loans and leases to deposits | 71.8168% | 5,077 |
| Net loans and leases to core deposits | 80.2419% | 4,733 |
| Total domestic deposits to total assets | 87.9871% | 2,068 |
| Equity capital to assets | 11.6914% | 2,237 |
| Core capital (leverage) ratio | 12.1949% | 1,550 |
| Tier 1 risk-based capital ratio | 16.2528% | 2,540 |
| Total risk-based capital ratio | 17.3674% | 2,562 |
| Memoranda: | ||
| Average total assets | $54,716,500 | 6,581 |
| Average earning assets | $50,526,000 | 6,527 |
| Average equity | $6,876,500 | 6,233 |
| Average total loans | $35,850,000 | 6,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 5,587 |
| Cost of funding earning assets | 2.3682% | 1,395 |
| Net interest margin | 2.8455% | 6,981 |
| Noninterest income to average assets | 0.5958% | 3,662 |
| Noninterest expense to average assets | 4.7827% | 617 |
| Loan and lease loss provision to assets | 0.7305% | 2,917 |
| Net operating income to assets | -2.1107% | 7,134 |
| Return on assets (ROA) | -1.9788% | 7,085 |
| Pretax return on assets | -2.1916% | 7,013 |
| Return on Equity (ROE) | -11.4154% | 6,724 |
| Retained earnings to average equity (ytd only) | -11.4154% | 6,631 |
| Net charge-offs to loans | 0.1715% | 5,576 |
| Credit loss provision to net charge-offs | 643.7500% | 455 |
| Earnings coverage of net charge-offs (x) | -14.1667% | 7,175 |
| Efficiency ratio | 150.6329% | 310 |
| Assets per employee ($millions) | 2.5631% | 7,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.4547% | 4,044 |
| Net loans and leases to deposits | 77.2770% | 4,508 |
| Net loans and leases to core deposits | 133.2108% | 1,098 |
| Total domestic deposits to total assets | 85.9955% | 3,018 |
| Equity capital to assets | 13.5617% | 1,295 |
| Core capital (leverage) ratio | 13.2050% | 1,183 |
| Tier 1 risk-based capital ratio | 18.3765% | 1,781 |
| Total risk-based capital ratio | 19.4696% | 1,788 |
| Memoranda: | ||
| Average total assets | $42,298,600 | 7,017 |
| Average earning assets | $38,341,800 | 7,003 |
| Average equity | $7,332,200 | 6,161 |
| Average total loans | $27,983,600 | 6,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 6,233 |
| Cost of funding earning assets | 2.4621% | 1,408 |
| Net interest margin | 2.6472% | 7,296 |
| Noninterest income to average assets | 0.5192% | 4,325 |
| Noninterest expense to average assets | 4.8529% | 544 |
| Loan and lease loss provision to assets | 1.0285% | 1,867 |
| Net operating income to assets | -2.6794% | 7,506 |
| Return on assets (ROA) | -2.6794% | 7,516 |
| Pretax return on assets | -2.9823% | 7,496 |
| Return on Equity (ROE) | -14.4510% | 7,162 |
| Retained earnings to average equity (ytd only) | -14.4510% | 7,100 |
| Net charge-offs to loans | 0.2681% | 4,365 |
| Credit loss provision to net charge-offs | 583.0189% | 666 |
| Earnings coverage of net charge-offs (x) | -11.0763% | 6,907 |
| Efficiency ratio | 167.3938% | 248 |
| Assets per employee ($millions) | 2.8224% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.8855% | 5,087 |
| Net loans and leases to deposits | 72.7290% | 5,548 |
| Net loans and leases to core deposits | 121.1445% | 2,143 |
| Total domestic deposits to total assets | 86.4655% | 2,445 |
| Equity capital to assets | 13.2100% | 1,620 |
| Core capital (leverage) ratio | 13.6284% | 1,193 |
| Tier 1 risk-based capital ratio | 18.1310% | 1,947 |
| Total risk-based capital ratio | 19.1917% | 1,955 |
| Memoranda: | ||
| Average total assets | $40,057,750 | 7,144 |
| Average earning assets | $36,012,250 | 7,160 |
| Average equity | $7,427,250 | 6,176 |
| Average total loans | $26,360,250 | 6,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 6,318 |
| Cost of funding earning assets | 2.5269% | 1,518 |
| Net interest margin | 2.6032% | 7,357 |
| Noninterest income to average assets | 0.4390% | 4,941 |
| Noninterest expense to average assets | 5.1893% | 457 |
| Loan and lease loss provision to assets | 0.9005% | 1,877 |
| Net operating income to assets | -2.9154% | 7,659 |
| Return on assets (ROA) | -2.9154% | 7,657 |
| Pretax return on assets | -3.3488% | 7,647 |
| Return on Equity (ROE) | -13.7370% | 7,266 |
| Retained earnings to average equity (ytd only) | -13.7370% | 7,167 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.3224% | 219 |
| Assets per employee ($millions) | 2.5621% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,255 |
| Loan loss allowance to noncurrent loans | 418.9189% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 7,181 |
| Noncurrent loans to loans | 0.2385% | 6,918 |
| Net loans and leases to total assets | 63.0978% | 5,163 |
| Net loans and leases to deposits | 74.5661% | 5,369 |
| Net loans and leases to core deposits | 129.4668% | 1,616 |
| Total domestic deposits to total assets | 84.6200% | 3,434 |
| Equity capital to assets | 14.9281% | 1,045 |
| Core capital (leverage) ratio | 17.1280% | 600 |
| Tier 1 risk-based capital ratio | 20.6882% | 1,449 |
| Total risk-based capital ratio | 21.5756% | 1,471 |
| Memoranda: | ||
| Average total assets | $35,535,000 | 7,389 |
| Average earning assets | $31,422,330 | 7,419 |
| Average equity | $7,541,670 | 6,167 |
| Average total loans | $23,770,670 | 7,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 6,177 |
| Cost of funding earning assets | 2.5377% | 1,775 |
| Net interest margin | 2.6944% | 7,215 |
| Noninterest income to average assets | 0.2348% | 6,585 |
| Noninterest expense to average assets | 5.1101% | 449 |
| Loan and lease loss provision to assets | 1.4087% | 901 |
| Net operating income to assets | -3.1627% | 7,867 |
| Return on assets (ROA) | -3.1627% | 7,869 |
| Pretax return on assets | -3.9085% | 7,891 |
| Return on Equity (ROE) | -11.9286% | 7,467 |
| Retained earnings to average equity (ytd only) | -11.9286% | 7,260 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.7672% | 195 |
| Assets per employee ($millions) | 2.0194% | 7,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.7839% | 3,056 |
| Net loans and leases to deposits | 94.0101% | 2,263 |
| Net loans and leases to core deposits | 205.3419% | 128 |
| Total domestic deposits to total assets | 77.4214% | 6,173 |
| Equity capital to assets | 22.1737% | 301 |
| Core capital (leverage) ratio | 26.2740% | 200 |
| Tier 1 risk-based capital ratio | 28.0401% | 751 |
| Total risk-based capital ratio | 28.9802% | 754 |
| Memoranda: | ||
| Average total assets | $28,962,500 | 7,690 |
| Average earning assets | $25,534,500 | 7,702 |
| Average equity | $7,679,000 | 6,165 |
| Average total loans | $20,143,000 | 7,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7373% | 8,273 |
| Cost of funding earning assets | 0.3855% | 8,205 |
| Net interest margin | 0.3518% | 8,275 |
| Noninterest income to average assets | 0.0551% | 7,867 |
| Noninterest expense to average assets | 1.9495% | 7,540 |
| Loan and lease loss provision to assets | 0.6399% | 2,272 |
| Net operating income to assets | -1.4155% | 7,431 |
| Return on assets (ROA) | -1.4155% | 7,376 |
| Pretax return on assets | -2.2250% | 7,514 |
| Return on Equity (ROE) | -4.3119% | 6,787 |
| Retained earnings to average equity (ytd only) | -4.3119% | 6,380 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 534.8837% | 40 |
| Assets per employee ($millions) | 1.9663% | 7,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.1378% | 5,429 |
| Net loans and leases to deposits | 94.7650% | 2,652 |
| Net loans and leases to core deposits | 210.9601% | 138 |
| Total domestic deposits to total assets | 66.6257% | 7,609 |
| Equity capital to assets | 32.8276% | 141 |
| Core capital (leverage) ratio | 45.1183% | 92 |
| Tier 1 risk-based capital ratio | 45.8013% | 252 |
| Total risk-based capital ratio | 46.6884% | 253 |
| Memoranda: | ||
| Average total assets | $23,596,000 | 7,889 |
| Average earning assets | $20,752,000 | 7,902 |
| Average equity | $7,746,000 | 6,192 |
| Average total loans | $15,048,000 | 7,646 |