Home > Gold Canyon Bank > Performance and Condition Ratios
Gold Canyon Bank, 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 | 3.3371% | 6,070 |
| Cost of funding earning assets | 0.6653% | 2,522 |
| Net interest margin | 2.6718% | 6,265 |
| Noninterest income to average assets | -2.1539% | 7,016 |
| Noninterest expense to average assets | 5.0319% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -4.8669% | 6,998 |
| Return on assets (ROA) | -4.8669% | 6,998 |
| Pretax return on assets | -4.8669% | 6,998 |
| Return on Equity (ROE) | -319.1585% | 7,019 |
| Retained earnings to average equity (ytd only) | -319.1585% | 7,019 |
| 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 | 3,050.0000% | 2 |
| Assets per employee ($millions) | 3.5104% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5605% | 398 |
| Loan loss allowance to noncurrent loans | 26.1592% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 9.0920% | 240 |
| Noncurrent loans to loans | 13.6109% | 100 |
| Net loans and leases to total assets | 57.6760% | 3,817 |
| Net loans and leases to deposits | 58.2247% | 5,003 |
| Net loans and leases to core deposits | 61.4373% | 5,007 |
| Total domestic deposits to total assets | 99.0576% | 3 |
| Equity capital to assets | 0.8831% | 7,014 |
| Core capital (leverage) ratio | 0.8514% | 7,015 |
| Tier 1 risk-based capital ratio | 1.2801% | 7,013 |
| Total risk-based capital ratio | 2.5533% | 7,013 |
| Memoranda: | ||
| Average total assets | $43,641,500 | 6,356 |
| Average earning assets | $37,877,500 | 6,407 |
| Average equity | $665,500 | 7,008 |
| Average total loans | $25,974,000 | 6,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 6,427 |
| Cost of funding earning assets | 0.9034% | 1,915 |
| Net interest margin | 2.5381% | 6,686 |
| Noninterest income to average assets | 0.0911% | 6,540 |
| Noninterest expense to average assets | 4.2838% | 694 |
| Loan and lease loss provision to assets | 0.9743% | 437 |
| Net operating income to assets | -2.8893% | 7,002 |
| Return on assets (ROA) | -2.6030% | 6,985 |
| Pretax return on assets | -2.6030% | 6,986 |
| Return on Equity (ROE) | -77.9250% | 7,057 |
| Retained earnings to average equity (ytd only) | -77.9250% | 7,057 |
| Net charge-offs to loans | 0.9105% | 1,248 |
| Credit loss provision to net charge-offs | 212.1457% | 1,200 |
| Earnings coverage of net charge-offs (x) | -4.1700% | 5,896 |
| Efficiency ratio | 180.8477% | 53 |
| Assets per employee ($millions) | 3.7632% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3526% | 491 |
| Loan loss allowance to noncurrent loans | 25.6066% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 9.1722% | 260 |
| Noncurrent loans to loans | 13.0929% | 120 |
| Net loans and leases to total assets | 57.2612% | 4,089 |
| Net loans and leases to deposits | 58.5367% | 5,179 |
| Net loans and leases to core deposits | 63.8816% | 4,970 |
| Total domestic deposits to total assets | 97.8210% | 6 |
| Equity capital to assets | 2.1237% | 7,065 |
| Core capital (leverage) ratio | 1.9182% | 7,066 |
| Tier 1 risk-based capital ratio | 2.9196% | 7,059 |
| Total risk-based capital ratio | 4.1913% | 7,059 |
| Memoranda: | ||
| Average total assets | $53,784,200 | 6,096 |
| Average earning assets | $48,264,600 | 6,112 |
| Average equity | $1,796,600 | 6,984 |
| Average total loans | $27,127,000 | 6,075 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 6,509 |
| Cost of funding earning assets | 0.9535% | 1,840 |
| Net interest margin | 2.5488% | 6,792 |
| Noninterest income to average assets | 0.0977% | 6,623 |
| Noninterest expense to average assets | 4.1829% | 737 |
| Loan and lease loss provision to assets | 0.4409% | 1,432 |
| Net operating income to assets | -2.2261% | 7,064 |
| Return on assets (ROA) | -1.9163% | 7,039 |
| Pretax return on assets | -1.9163% | 7,019 |
| Return on Equity (ROE) | -53.4382% | 7,129 |
| Retained earnings to average equity (ytd only) | -53.4382% | 7,124 |
| Net charge-offs to loans | 0.6368% | 1,729 |
| Credit loss provision to net charge-offs | 142.3077% | 2,025 |
| Earnings coverage of net charge-offs (x) | -5.7615% | 5,719 |
| Efficiency ratio | 174.4533% | 58 |
| Assets per employee ($millions) | 4.1327% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 1,204 |
| Loan loss allowance to noncurrent loans | 30.7237% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 5.7187% | 729 |
| Noncurrent loans to loans | 8.1591% | 374 |
| Net loans and leases to total assets | 52.9360% | 4,923 |
| Net loans and leases to deposits | 54.7841% | 5,737 |
| Net loans and leases to core deposits | 59.3453% | 5,622 |
| Total domestic deposits to total assets | 96.6265% | 21 |
| Equity capital to assets | 3.2909% | 7,124 |
| Core capital (leverage) ratio | 2.8534% | 7,136 |
| Tier 1 risk-based capital ratio | 4.7100% | 7,124 |
| Total risk-based capital ratio | 5.9725% | 7,125 |
| Memoranda: | ||
| Average total assets | $55,940,750 | 6,094 |
| Average earning assets | $50,480,500 | 6,099 |
| Average equity | $2,006,000 | 7,038 |
| Average total loans | $27,220,000 | 6,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 6,606 |
| Cost of funding earning assets | 1.0447% | 1,500 |
| Net interest margin | 2.4516% | 6,929 |
| Noninterest income to average assets | 0.1171% | 6,600 |
| Noninterest expense to average assets | 3.9892% | 951 |
| Loan and lease loss provision to assets | 0.6373% | 906 |
| Net operating income to assets | -2.2943% | 7,107 |
| Return on assets (ROA) | -1.9360% | 7,071 |
| Pretax return on assets | -1.9360% | 7,059 |
| Return on Equity (ROE) | -52.7534% | 7,173 |
| Retained earnings to average equity (ytd only) | -52.7534% | 7,168 |
| Net charge-offs to loans | 1.6107% | 581 |
| Credit loss provision to net charge-offs | 84.0909% | 3,208 |
| Earnings coverage of net charge-offs (x) | -2.1864% | 5,388 |
| Efficiency ratio | 171.0487% | 65 |
| Assets per employee ($millions) | 4.5648% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 1,860 |
| Loan loss allowance to noncurrent loans | 22.5434% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 5.9039% | 729 |
| Noncurrent loans to loans | 9.5855% | 291 |
| Net loans and leases to total assets | 48.3542% | 5,582 |
| Net loans and leases to deposits | 50.0000% | 6,183 |
| Net loans and leases to core deposits | 54.2400% | 6,079 |
| Total domestic deposits to total assets | 96.7085% | 25 |
| Equity capital to assets | 3.2203% | 7,172 |
| Core capital (leverage) ratio | 3.0465% | 7,177 |
| Tier 1 risk-based capital ratio | 5.4152% | 7,147 |
| Total risk-based capital ratio | 6.6719% | 7,149 |
| Memoranda: | ||
| Average total assets | $58,057,000 | 6,077 |
| Average earning assets | $52,454,670 | 6,078 |
| Average equity | $2,130,670 | 7,075 |
| Average total loans | $27,317,670 | 6,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 6,746 |
| Cost of funding earning assets | 1.1137% | 1,329 |
| Net interest margin | 2.3455% | 7,044 |
| Noninterest income to average assets | 0.0134% | 7,064 |
| Noninterest expense to average assets | 3.7925% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6483% | 7,118 |
| Return on assets (ROA) | -1.6483% | 7,120 |
| Pretax return on assets | -1.6483% | 7,096 |
| Return on Equity (ROE) | -42.5238% | 7,208 |
| Retained earnings to average equity (ytd only) | -42.5238% | 7,195 |
| Net charge-offs to loans | -0.2041% | 6,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.8750% | 61 |
| Assets per employee ($millions) | 4.9619% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3299% | 1,627 |
| Loan loss allowance to noncurrent loans | 31.8913% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 4.1785% | 1,303 |
| Noncurrent loans to loans | 7.3059% | 589 |
| Net loans and leases to total assets | 44.6350% | 5,940 |
| Net loans and leases to deposits | 46.3539% | 6,401 |
| Net loans and leases to core deposits | 50.4231% | 6,311 |
| Total domestic deposits to total assets | 96.2918% | 33 |
| Equity capital to assets | 3.6360% | 7,205 |
| Core capital (leverage) ratio | 3.4469% | 7,211 |
| Tier 1 risk-based capital ratio | 6.1144% | 7,172 |
| Total risk-based capital ratio | 7.3736% | 7,172 |
| Memoranda: | ||
| Average total assets | $59,697,000 | 6,075 |
| Average earning assets | $54,231,500 | 6,059 |
| Average equity | $2,314,000 | 7,105 |
| Average total loans | $27,440,500 | 6,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 6,023 |
| Cost of funding earning assets | 1.3027% | 1,475 |
| Net interest margin | 2.9086% | 6,676 |
| Noninterest income to average assets | -0.3242% | 7,215 |
| Noninterest expense to average assets | 3.9392% | 1,132 |
| Loan and lease loss provision to assets | 0.1222% | 5,076 |
| Net operating income to assets | -1.7634% | 6,975 |
| Return on assets (ROA) | -1.7617% | 6,992 |
| Pretax return on assets | -1.7617% | 6,962 |
| Return on Equity (ROE) | -41.0374% | 7,168 |
| Retained earnings to average equity (ytd only) | -41.0374% | 7,163 |
| Net charge-offs to loans | 0.8843% | 1,969 |
| Credit loss provision to net charge-offs | 28.2353% | 5,808 |
| Earnings coverage of net charge-offs (x) | -3.7922% | 6,349 |
| Efficiency ratio | 171.4180% | 93 |
| Assets per employee ($millions) | 4.9876% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2407% | 1,725 |
| Loan loss allowance to noncurrent loans | 30.3178% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 4.3257% | 1,285 |
| Noncurrent loans to loans | 7.3907% | 583 |
| Net loans and leases to total assets | 45.1956% | 6,090 |
| Net loans and leases to deposits | 47.1945% | 6,552 |
| Net loans and leases to core deposits | 50.6109% | 6,498 |
| Total domestic deposits to total assets | 95.7645% | 41 |
| Equity capital to assets | 4.1152% | 7,221 |
| Core capital (leverage) ratio | 3.9375% | 7,214 |
| Tier 1 risk-based capital ratio | 6.5196% | 7,183 |
| Total risk-based capital ratio | 7.7754% | 7,183 |
| Memoranda: | ||
| Average total assets | $58,920,200 | 6,080 |
| Average earning assets | $53,118,600 | 6,075 |
| Average equity | $2,529,400 | 7,113 |
| Average total loans | $28,835,600 | 6,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 5,400 |
| Cost of funding earning assets | 1.3435% | 1,486 |
| Net interest margin | 3.1146% | 6,362 |
| Noninterest income to average assets | 0.0977% | 6,761 |
| Noninterest expense to average assets | 4.0825% | 917 |
| Loan and lease loss provision to assets | 0.1636% | 4,425 |
| Net operating income to assets | -1.3518% | 7,000 |
| Return on assets (ROA) | -1.3495% | 7,020 |
| Pretax return on assets | -1.3495% | 6,982 |
| Return on Equity (ROE) | -31.1068% | 7,201 |
| Retained earnings to average equity (ytd only) | -31.1068% | 7,194 |
| Net charge-offs to loans | 0.5356% | 2,629 |
| Credit loss provision to net charge-offs | 61.5385% | 4,758 |
| Earnings coverage of net charge-offs (x) | -4.4700% | 6,090 |
| Efficiency ratio | 141.0518% | 179 |
| Assets per employee ($millions) | 4.8382% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6573% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,391 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.8263% | 5,976 |
| Net loans and leases to deposits | 50.3838% | 6,482 |
| Net loans and leases to core deposits | 53.4248% | 6,491 |
| Total domestic deposits to total assets | 94.9240% | 55 |
| Equity capital to assets | 4.9950% | 7,266 |
| Core capital (leverage) ratio | 4.7154% | 7,258 |
| Tier 1 risk-based capital ratio | 7.6975% | 7,209 |
| Total risk-based capital ratio | 8.9598% | 7,212 |
| Memoranda: | ||
| Average total assets | $58,687,500 | 6,126 |
| Average earning assets | $52,697,250 | 6,140 |
| Average equity | $2,546,000 | 7,180 |
| Average total loans | $29,127,000 | 6,257 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 5,063 |
| Cost of funding earning assets | 1.3793% | 1,501 |
| Net interest margin | 3.1981% | 6,167 |
| Noninterest income to average assets | 0.0611% | 7,002 |
| Noninterest expense to average assets | 4.2107% | 822 |
| Loan and lease loss provision to assets | 0.2105% | 3,806 |
| Net operating income to assets | -1.4941% | 7,096 |
| Return on assets (ROA) | -1.4941% | 7,108 |
| Pretax return on assets | -1.4941% | 7,068 |
| Return on Equity (ROE) | -36.2438% | 7,287 |
| Retained earnings to average equity (ytd only) | -36.2438% | 7,282 |
| Net charge-offs to loans | 0.9684% | 1,620 |
| Credit loss provision to net charge-offs | 43.6620% | 4,744 |
| Earnings coverage of net charge-offs (x) | -2.6620% | 5,742 |
| Efficiency ratio | 143.8515% | 182 |
| Assets per employee ($millions) | 4.8924% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5583% | 1,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 3,338 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.9059% | 6,161 |
| Net loans and leases to deposits | 49.0131% | 6,665 |
| Net loans and leases to core deposits | 52.9038% | 6,618 |
| Total domestic deposits to total assets | 95.7008% | 36 |
| Equity capital to assets | 4.1544% | 7,379 |
| Core capital (leverage) ratio | 4.7972% | 7,315 |
| Tier 1 risk-based capital ratio | 7.9877% | 7,245 |
| Total risk-based capital ratio | 9.2473% | 7,249 |
| Memoranda: | ||
| Average total assets | $58,897,330 | 6,179 |
| Average earning assets | $52,781,000 | 6,193 |
| Average equity | $2,428,000 | 7,264 |
| Average total loans | $29,327,670 | 6,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 5,102 |
| Cost of funding earning assets | 1.3856% | 1,688 |
| Net interest margin | 3.1800% | 6,131 |
| Noninterest income to average assets | -0.0542% | 7,361 |
| Noninterest expense to average assets | 4.0345% | 997 |
| Loan and lease loss provision to assets | 0.2034% | 3,603 |
| Net operating income to assets | -1.4443% | 7,181 |
| Return on assets (ROA) | -1.4443% | 7,185 |
| Pretax return on assets | -1.4443% | 7,140 |
| Return on Equity (ROE) | -35.1703% | 7,359 |
| Retained earnings to average equity (ytd only) | -35.1703% | 7,335 |
| Net charge-offs to loans | 0.3483% | 2,670 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | -7.0385% | 5,043 |
| Efficiency ratio | 144.4175% | 193 |
| Assets per employee ($millions) | 4.9543% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7574% | 1,150 |
| Loan loss allowance to noncurrent loans | 612.1212% | 555 |
| Noncurrent assets plus other real estate owned to assets | 2.4020% | 2,836 |
| Noncurrent loans to loans | 0.4505% | 6,110 |
| Net loans and leases to total assets | 47.9302% | 6,084 |
| Net loans and leases to deposits | 49.8976% | 6,632 |
| Net loans and leases to core deposits | 54.5129% | 6,523 |
| Total domestic deposits to total assets | 96.0573% | 34 |
| Equity capital to assets | 3.8031% | 7,451 |
| Core capital (leverage) ratio | 5.0812% | 7,354 |
| Tier 1 risk-based capital ratio | 8.3320% | 7,268 |
| Total risk-based capital ratio | 9.5931% | 7,272 |
| Memoranda: | ||
| Average total assets | $58,991,500 | 6,220 |
| Average earning assets | $52,830,000 | 6,243 |
| Average equity | $2,422,500 | 7,313 |
| Average total loans | $29,861,000 | 6,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 5,535 |
| Cost of funding earning assets | 1.5706% | 2,239 |
| Net interest margin | 3.1990% | 6,275 |
| Noninterest income to average assets | 0.0150% | 7,229 |
| Noninterest expense to average assets | 4.0157% | 1,137 |
| Loan and lease loss provision to assets | 1.4870% | 1,002 |
| Net operating income to assets | -2.5812% | 7,201 |
| Return on assets (ROA) | -2.5617% | 7,214 |
| Pretax return on assets | -2.5617% | 7,183 |
| Return on Equity (ROE) | -39.4233% | 7,342 |
| Retained earnings to average equity (ytd only) | -39.9077% | 7,339 |
| Net charge-offs to loans | 3.3658% | 444 |
| Credit loss provision to net charge-offs | 97.5418% | 4,754 |
| Earnings coverage of net charge-offs (x) | -0.7178% | 6,532 |
| Efficiency ratio | 137.4551% | 270 |
| Assets per employee ($millions) | 4.5025% | 2,865 |
| Cash dividends to net income (ytd only)* | -1.2288% | 7,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6398% | 1,242 |
| Loan loss allowance to noncurrent loans | 80.8661% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.7780% | 2,517 |
| Noncurrent loans to loans | 3.2644% | 2,325 |
| Net loans and leases to total assets | 50.5980% | 6,098 |
| Net loans and leases to deposits | 53.0088% | 6,673 |
| Net loans and leases to core deposits | 73.7818% | 5,000 |
| Total domestic deposits to total assets | 95.4521% | 49 |
| Equity capital to assets | 4.4147% | 7,485 |
| Core capital (leverage) ratio | 5.3731% | 7,373 |
| Tier 1 risk-based capital ratio | 9.0167% | 7,242 |
| Total risk-based capital ratio | 10.2786% | 7,247 |
| Memoranda: | ||
| Average total assets | $66,713,000 | 5,973 |
| Average earning assets | $60,612,000 | 5,976 |
| Average equity | $4,335,000 | 6,877 |
| Average total loans | $30,215,600 | 6,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 5,612 |
| Cost of funding earning assets | 1.6220% | 2,268 |
| Net interest margin | 3.1885% | 6,379 |
| Noninterest income to average assets | 0.0504% | 7,266 |
| Noninterest expense to average assets | 3.7696% | 1,430 |
| Loan and lease loss provision to assets | 1.3031% | 1,066 |
| Net operating income to assets | -2.1253% | 7,269 |
| Return on assets (ROA) | -2.1039% | 7,279 |
| Pretax return on assets | -2.1039% | 7,224 |
| Return on Equity (ROE) | -30.3102% | 7,387 |
| Retained earnings to average equity (ytd only) | -30.8969% | 7,394 |
| Net charge-offs to loans | 3.5228% | 378 |
| Credit loss provision to net charge-offs | 84.3162% | 4,987 |
| Earnings coverage of net charge-offs (x) | -0.5320% | 6,337 |
| Efficiency ratio | 127.8947% | 313 |
| Assets per employee ($millions) | 4.5951% | 2,756 |
| Cash dividends to net income (ytd only)* | -1.9355% | 7,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4127% | 1,455 |
| Loan loss allowance to noncurrent loans | 52.1901% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 3.0638% | 2,365 |
| Noncurrent loans to loans | 4.6230% | 1,542 |
| Net loans and leases to total assets | 44.1988% | 6,825 |
| Net loans and leases to deposits | 47.3545% | 7,114 |
| Net loans and leases to core deposits | 54.1848% | 6,948 |
| Total domestic deposits to total assets | 93.3361% | 86 |
| Equity capital to assets | 6.5302% | 7,423 |
| Core capital (leverage) ratio | 5.7390% | 7,467 |
| Tier 1 risk-based capital ratio | 10.6204% | 6,693 |
| Total risk-based capital ratio | 11.8775% | 6,677 |
| Memoranda: | ||
| Average total assets | $68,758,250 | 5,981 |
| Average earning assets | $62,473,000 | 5,975 |
| Average equity | $4,772,750 | 6,821 |
| Average total loans | $30,164,750 | 6,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 6,009 |
| Cost of funding earning assets | 1.6639% | 2,317 |
| Net interest margin | 3.0767% | 6,663 |
| Noninterest income to average assets | 0.0883% | 7,138 |
| Noninterest expense to average assets | 3.6051% | 1,770 |
| Loan and lease loss provision to assets | 0.4699% | 2,966 |
| Net operating income to assets | -1.1590% | 7,011 |
| Return on assets (ROA) | -1.1590% | 7,032 |
| Pretax return on assets | -1.1590% | 6,958 |
| Return on Equity (ROE) | -16.4003% | 7,185 |
| Retained earnings to average equity (ytd only) | -17.2465% | 7,177 |
| Net charge-offs to loans | 2.2880% | 778 |
| Credit loss provision to net charge-offs | 47.2779% | 5,478 |
| Earnings coverage of net charge-offs (x) | -0.6934% | 6,069 |
| Efficiency ratio | 123.6328% | 368 |
| Assets per employee ($millions) | 5.1116% | 2,029 |
| Cash dividends to net income (ytd only)* | -5.1597% | 7,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,882 |
| Loan loss allowance to noncurrent loans | 309.6154% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 4,352 |
| Noncurrent loans to loans | 0.6921% | 5,861 |
| Net loans and leases to total assets | 41.0958% | 7,097 |
| Net loans and leases to deposits | 44.2707% | 7,312 |
| Net loans and leases to core deposits | 50.5509% | 7,190 |
| Total domestic deposits to total assets | 92.8286% | 123 |
| Equity capital to assets | 7.0904% | 7,314 |
| Core capital (leverage) ratio | 6.3139% | 7,426 |
| Tier 1 risk-based capital ratio | 11.6911% | 5,593 |
| Total risk-based capital ratio | 12.9472% | 5,548 |
| Memoranda: | ||
| Average total assets | $70,233,670 | 5,973 |
| Average earning assets | $64,548,670 | 5,941 |
| Average equity | $4,963,330 | 6,789 |
| Average total loans | $30,507,330 | 6,501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 6,553 |
| Cost of funding earning assets | 1.7606% | 2,068 |
| Net interest margin | 2.8432% | 7,114 |
| Noninterest income to average assets | 0.0920% | 7,252 |
| Noninterest expense to average assets | 3.6855% | 1,541 |
| Loan and lease loss provision to assets | 0.2587% | 3,966 |
| Net operating income to assets | -1.2247% | 7,230 |
| Return on assets (ROA) | -1.2247% | 7,250 |
| Pretax return on assets | -1.2247% | 7,158 |
| Return on Equity (ROE) | -17.3594% | 7,378 |
| Retained earnings to average equity (ytd only) | -19.0709% | 7,353 |
| Net charge-offs to loans | 0.0651% | 4,758 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | -33.6000% | 5,590 |
| Efficiency ratio | 135.5180% | 287 |
| Assets per employee ($millions) | 5.3137% | 1,852 |
| Cash dividends to net income (ytd only)* | -9.8592% | 7,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8565% | 932 |
| Loan loss allowance to noncurrent loans | 110.7143% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 4,419 |
| Noncurrent loans to loans | 2.5801% | 3,092 |
| Net loans and leases to total assets | 39.6803% | 7,268 |
| Net loans and leases to deposits | 42.6015% | 7,443 |
| Net loans and leases to core deposits | 48.5095% | 7,340 |
| Total domestic deposits to total assets | 93.1431% | 116 |
| Equity capital to assets | 6.7077% | 7,476 |
| Core capital (leverage) ratio | 6.8002% | 7,353 |
| Tier 1 risk-based capital ratio | 12.0997% | 5,088 |
| Total risk-based capital ratio | 13.3625% | 5,045 |
| Memoranda: | ||
| Average total assets | $69,569,500 | 6,057 |
| Average earning assets | $64,294,500 | 6,023 |
| Average equity | $4,908,000 | 6,877 |
| Average total loans | $30,734,500 | 6,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 6,460 |
| Cost of funding earning assets | 2.4344% | 1,197 |
| Net interest margin | 2.5581% | 7,364 |
| Noninterest income to average assets | 0.0751% | 7,378 |
| Noninterest expense to average assets | 5.3477% | 424 |
| Loan and lease loss provision to assets | 1.8530% | 1,213 |
| Net operating income to assets | -4.8380% | 7,719 |
| Return on assets (ROA) | -4.8064% | 7,715 |
| Pretax return on assets | -4.8064% | 7,675 |
| Return on Equity (ROE) | -40.6231% | 7,580 |
| Retained earnings to average equity (ytd only) | -41.1741% | 7,572 |
| Net charge-offs to loans | 2.0730% | 1,183 |
| Credit loss provision to net charge-offs | 152.5203% | 3,007 |
| Earnings coverage of net charge-offs (x) | -2.4569% | 7,031 |
| Efficiency ratio | 226.3378% | 104 |
| Assets per employee ($millions) | 4.9805% | 2,245 |
| Cash dividends to net income (ytd only)* | -1.3564% | 7,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6639% | 1,054 |
| Loan loss allowance to noncurrent loans | 4,870.5882% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 5,810 |
| Noncurrent loans to loans | 0.0547% | 7,285 |
| Net loans and leases to total assets | 46.7265% | 6,916 |
| Net loans and leases to deposits | 50.5345% | 7,229 |
| Net loans and leases to core deposits | 63.0712% | 7,146 |
| Total domestic deposits to total assets | 92.4645% | 189 |
| Equity capital to assets | 7.4536% | 7,069 |
| Core capital (leverage) ratio | 7.8793% | 6,344 |
| Tier 1 risk-based capital ratio | 13.1458% | 4,051 |
| Total risk-based capital ratio | 14.4068% | 3,993 |
| Memoranda: | ||
| Average total assets | $50,620,200 | 6,681 |
| Average earning assets | $45,268,200 | 6,712 |
| Average equity | $5,989,200 | 6,607 |
| Average total loans | $29,666,600 | 6,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 6,558 |
| Cost of funding earning assets | 2.4984% | 1,308 |
| Net interest margin | 2.5176% | 7,445 |
| Noninterest income to average assets | 0.0849% | 7,473 |
| Noninterest expense to average assets | 4.9013% | 522 |
| Loan and lease loss provision to assets | 0.3115% | 4,480 |
| Net operating income to assets | -2.9051% | 7,564 |
| Return on assets (ROA) | -2.9051% | 7,564 |
| Pretax return on assets | -2.9051% | 7,474 |
| Return on Equity (ROE) | -21.7830% | 7,437 |
| Retained earnings to average equity (ytd only) | -22.0164% | 7,410 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.3926% | 126 |
| Assets per employee ($millions) | 4.6552% | 2,624 |
| Cash dividends to net income (ytd only)* | -1.0724% | 7,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0325% | 1,724 |
| Loan loss allowance to noncurrent loans | 212.8028% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5632% | 4,016 |
| Noncurrent loans to loans | 0.9551% | 5,385 |
| Net loans and leases to total assets | 48.9829% | 6,868 |
| Net loans and leases to deposits | 55.1334% | 7,139 |
| Net loans and leases to core deposits | 70.3574% | 6,950 |
| Total domestic deposits to total assets | 88.8445% | 1,270 |
| Equity capital to assets | 11.0779% | 2,945 |
| Core capital (leverage) ratio | 11.7618% | 1,926 |
| Tier 1 risk-based capital ratio | 16.9830% | 2,279 |
| Total risk-based capital ratio | 18.2367% | 2,227 |
| Memoranda: | ||
| Average total assets | $47,088,500 | 6,868 |
| Average earning assets | $41,572,500 | 6,932 |
| Average equity | $6,280,000 | 6,563 |
| Average total loans | $29,312,750 | 6,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 5,778 |
| Cost of funding earning assets | 2.6422% | 1,177 |
| Net interest margin | 2.6315% | 7,320 |
| Noninterest income to average assets | 0.1079% | 7,441 |
| Noninterest expense to average assets | 5.3928% | 400 |
| Loan and lease loss provision to assets | 0.3755% | 3,676 |
| Net operating income to assets | -3.3605% | 7,736 |
| Return on assets (ROA) | -3.3605% | 7,740 |
| Pretax return on assets | -3.3605% | 7,649 |
| Return on Equity (ROE) | -23.3275% | 7,600 |
| Retained earnings to average equity (ytd only) | -23.3275% | 7,560 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 223.9766% | 149 |
| Assets per employee ($millions) | 3.7057% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,712 |
| Loan loss allowance to noncurrent loans | 241.7355% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 1.8662% | 3,379 |
| Noncurrent loans to loans | 0.8001% | 5,631 |
| Net loans and leases to total assets | 61.5685% | 5,427 |
| Net loans and leases to deposits | 71.8873% | 5,748 |
| Net loans and leases to core deposits | 96.9630% | 4,794 |
| Total domestic deposits to total assets | 85.6458% | 2,942 |
| Equity capital to assets | 14.2483% | 1,235 |
| Core capital (leverage) ratio | 15.1334% | 890 |
| Tier 1 risk-based capital ratio | 19.1117% | 1,759 |
| Total risk-based capital ratio | 20.3660% | 1,710 |
| Memoranda: | ||
| Average total assets | $42,612,330 | 7,107 |
| Average earning assets | $37,241,670 | 7,166 |
| Average equity | $6,138,670 | 6,670 |
| Average total loans | $28,997,670 | 6,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 4,577 |
| Cost of funding earning assets | 2.7690% | 1,062 |
| Net interest margin | 2.7916% | 7,011 |
| Noninterest income to average assets | 0.1305% | 7,359 |
| Noninterest expense to average assets | 5.9049% | 299 |
| Loan and lease loss provision to assets | 0.3013% | 3,538 |
| Net operating income to assets | -3.6052% | 7,932 |
| Return on assets (ROA) | -3.6052% | 7,924 |
| Pretax return on assets | -3.6052% | 7,854 |
| Return on Equity (ROE) | -24.8615% | 7,841 |
| Retained earnings to average equity (ytd only) | -24.8615% | 7,766 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.0270% | 149 |
| Assets per employee ($millions) | 3.2754% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 1,759 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 251 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 3,501 |
| Noncurrent loans to loans | 0.1032% | 7,234 |
| Net loans and leases to total assets | 67.0315% | 4,336 |
| Net loans and leases to deposits | 77.3203% | 5,039 |
| Net loans and leases to core deposits | 107.4826% | 3,743 |
| Total domestic deposits to total assets | 86.6933% | 2,365 |
| Equity capital to assets | 13.2034% | 1,657 |
| Core capital (leverage) ratio | 13.4072% | 1,358 |
| Tier 1 risk-based capital ratio | 16.8709% | 2,374 |
| Total risk-based capital ratio | 18.1244% | 2,313 |
| Memoranda: | ||
| Average total assets | $39,831,500 | 7,259 |
| Average earning assets | $35,248,000 | 7,292 |
| Average equity | $5,776,000 | 6,848 |
| Average total loans | $28,374,000 | 6,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1123% | 4,978 |
| Cost of funding earning assets | 3.3052% | 912 |
| Net interest margin | 2.8071% | 7,324 |
| Noninterest income to average assets | 0.2142% | 6,903 |
| Noninterest expense to average assets | 6.7813% | 302 |
| Loan and lease loss provision to assets | 1.4425% | 955 |
| Net operating income to assets | -5.5302% | 8,123 |
| Return on assets (ROA) | -5.5302% | 8,114 |
| Pretax return on assets | -5.5302% | 8,064 |
| Return on Equity (ROE) | -28.5125% | 7,936 |
| Retained earnings to average equity (ytd only) | -28.5125% | 7,885 |
| Net charge-offs to loans | 1.0617% | 1,155 |
| Credit loss provision to net charge-offs | 216.7382% | 2,220 |
| Earnings coverage of net charge-offs (x) | -6.1416% | 6,856 |
| Efficiency ratio | 251.7497% | 137 |
| Assets per employee ($millions) | 2.6488% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 1,574 |
| Loan loss allowance to noncurrent loans | 79.4025% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7151% | 2,837 |
| Noncurrent loans to loans | 2.2984% | 2,409 |
| Net loans and leases to total assets | 73.2573% | 3,295 |
| Net loans and leases to deposits | 87.3056% | 3,891 |
| Net loans and leases to core deposits | 117.3528% | 2,969 |
| Total domestic deposits to total assets | 83.9091% | 3,365 |
| Equity capital to assets | 15.9912% | 936 |
| Core capital (leverage) ratio | 15.8669% | 849 |
| Tier 1 risk-based capital ratio | 19.4838% | 1,705 |
| Total risk-based capital ratio | 20.7372% | 1,665 |
| Memoranda: | ||
| Average total assets | $35,008,000 | 7,424 |
| Average earning assets | $30,921,400 | 7,466 |
| Average equity | $6,790,000 | 6,529 |
| Average total loans | $21,945,200 | 7,194 |