Home > GreenChoice Bank, fsb > Performance and Condition Ratios
GreenChoice Bank, fsb, 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 | 4.7662% | 1,138 |
| Cost of funding earning assets | 0.7898% | 759 |
| Net interest margin | 3.9765% | 1,882 |
| Noninterest income to average assets | -0.2111% | 6,623 |
| Noninterest expense to average assets | 5.8781% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.5415% | 6,613 |
| Return on assets (ROA) | -2.5415% | 6,615 |
| Pretax return on assets | -2.5415% | 6,609 |
| Return on Equity (ROE) | -113.8590% | 6,648 |
| Retained earnings to average equity (ytd only) | -113.8590% | 6,647 |
| Net charge-offs to loans | 0.3349% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -10.6552% | 4,313 |
| Efficiency ratio | 174.7740% | 35 |
| Assets per employee ($millions) | 3.1948% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 2,248 |
| Loan loss allowance to noncurrent loans | 20.9159% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 11.0050% | 81 |
| Noncurrent loans to loans | 7.9599% | 134 |
| Net loans and leases to total assets | 68.3194% | 2,366 |
| Net loans and leases to deposits | 69.8743% | 3,839 |
| Net loans and leases to core deposits | 73.1016% | 3,940 |
| Total domestic deposits to total assets | 97.7748% | 2 |
| Equity capital to assets | 1.6803% | 6,651 |
| Core capital (leverage) ratio | 1.4895% | 6,652 |
| Tier 1 risk-based capital ratio | 2.0994% | 6,652 |
| Total risk-based capital ratio | 3.3551% | 6,652 |
| Memoranda: | ||
| Average total assets | $72,949,330 | 5,312 |
| Average earning assets | $65,082,670 | 5,349 |
| Average equity | $1,628,330 | 6,586 |
| Average total loans | $51,957,000 | 4,830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 797 |
| Cost of funding earning assets | 0.7728% | 869 |
| Net interest margin | 4.1717% | 1,291 |
| Noninterest income to average assets | -0.5923% | 6,720 |
| Noninterest expense to average assets | 5.8858% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.7571% | 6,685 |
| Return on assets (ROA) | -2.7571% | 6,683 |
| Pretax return on assets | -2.7571% | 6,678 |
| Return on Equity (ROE) | -110.5832% | 6,719 |
| Retained earnings to average equity (ytd only) | -110.5832% | 6,717 |
| Net charge-offs to loans | 0.6727% | 545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -5.6889% | 3,581 |
| Efficiency ratio | 186.5749% | 35 |
| Assets per employee ($millions) | 3.3145% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,828 |
| Loan loss allowance to noncurrent loans | 20.6633% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 10.7995% | 98 |
| Noncurrent loans to loans | 7.6028% | 188 |
| Net loans and leases to total assets | 69.5968% | 1,966 |
| Net loans and leases to deposits | 71.5051% | 3,410 |
| Net loans and leases to core deposits | 75.5321% | 3,460 |
| Total domestic deposits to total assets | 97.3313% | 8 |
| Equity capital to assets | 2.1873% | 6,709 |
| Core capital (leverage) ratio | 1.9844% | 6,722 |
| Tier 1 risk-based capital ratio | 2.7262% | 6,721 |
| Total risk-based capital ratio | 3.9798% | 6,721 |
| Memoranda: | ||
| Average total assets | $74,281,000 | 5,332 |
| Average earning assets | $66,255,500 | 5,368 |
| Average equity | $1,852,000 | 6,622 |
| Average total loans | $53,519,500 | 4,806 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 1,441 |
| Cost of funding earning assets | 0.7352% | 1,594 |
| Net interest margin | 4.0151% | 1,906 |
| Noninterest income to average assets | 0.1429% | 6,225 |
| Noninterest expense to average assets | 6.6833% | 159 |
| Loan and lease loss provision to assets | 0.6456% | 374 |
| Net operating income to assets | -3.5642% | 6,778 |
| Return on assets (ROA) | -3.5642% | 6,778 |
| Pretax return on assets | -3.5642% | 6,775 |
| Return on Equity (ROE) | -79.7520% | 6,798 |
| Retained earnings to average equity (ytd only) | -79.7520% | 6,798 |
| Net charge-offs to loans | 1.5204% | 307 |
| Credit loss provision to net charge-offs | 55.0802% | 3,701 |
| Earnings coverage of net charge-offs (x) | -2.4898% | 5,341 |
| Efficiency ratio | 176.3237% | 41 |
| Assets per employee ($millions) | 2.8016% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 2,675 |
| Loan loss allowance to noncurrent loans | 17.8465% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 12.1982% | 78 |
| Noncurrent loans to loans | 9.0899% | 139 |
| Net loans and leases to total assets | 72.1544% | 1,657 |
| Net loans and leases to deposits | 74.7156% | 3,152 |
| Net loans and leases to core deposits | 78.4993% | 3,300 |
| Total domestic deposits to total assets | 96.5720% | 23 |
| Equity capital to assets | 2.7881% | 6,769 |
| Core capital (leverage) ratio | 2.5717% | 6,781 |
| Tier 1 risk-based capital ratio | 3.4993% | 6,789 |
| Total risk-based capital ratio | 4.7541% | 6,789 |
| Memoranda: | ||
| Average total assets | $79,765,400 | 5,243 |
| Average earning assets | $71,954,200 | 5,258 |
| Average equity | $3,564,800 | 6,423 |
| Average total loans | $61,496,200 | 4,564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,612 |
| Cost of funding earning assets | 0.7243% | 1,780 |
| Net interest margin | 3.9699% | 2,046 |
| Noninterest income to average assets | 0.2970% | 5,319 |
| Noninterest expense to average assets | 6.7609% | 156 |
| Loan and lease loss provision to assets | 0.5891% | 420 |
| Net operating income to assets | -3.4621% | 6,865 |
| Return on assets (ROA) | -3.4621% | 6,862 |
| Pretax return on assets | -3.4621% | 6,858 |
| Return on Equity (ROE) | -71.1997% | 6,872 |
| Retained earnings to average equity (ytd only) | -71.1997% | 6,869 |
| Net charge-offs to loans | 1.5492% | 290 |
| Credit loss provision to net charge-offs | 48.7705% | 3,539 |
| Earnings coverage of net charge-offs (x) | -2.3784% | 5,092 |
| Efficiency ratio | 172.7504% | 42 |
| Assets per employee ($millions) | 1.8888% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,687 |
| Loan loss allowance to noncurrent loans | 19.5571% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 12.3344% | 77 |
| Noncurrent loans to loans | 8.5991% | 199 |
| Net loans and leases to total assets | 71.3398% | 1,720 |
| Net loans and leases to deposits | 74.6420% | 3,136 |
| Net loans and leases to core deposits | 78.3623% | 3,313 |
| Total domestic deposits to total assets | 95.5760% | 28 |
| Equity capital to assets | 3.6879% | 6,826 |
| Core capital (leverage) ratio | 3.4535% | 6,843 |
| Tier 1 risk-based capital ratio | 4.6482% | 6,854 |
| Total risk-based capital ratio | 5.9025% | 6,857 |
| Memoranda: | ||
| Average total assets | $80,796,250 | 5,270 |
| Average earning assets | $73,082,000 | 5,271 |
| Average equity | $3,928,750 | 6,420 |
| Average total loans | $63,000,500 | 4,555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,123 |
| Cost of funding earning assets | 0.7054% | 2,029 |
| Net interest margin | 3.8137% | 2,499 |
| Noninterest income to average assets | 1.1866% | 1,081 |
| Noninterest expense to average assets | 6.9585% | 151 |
| Loan and lease loss provision to assets | 0.8716% | 231 |
| Net operating income to assets | -3.1716% | 6,900 |
| Return on assets (ROA) | -3.1716% | 6,900 |
| Pretax return on assets | -3.1716% | 6,895 |
| Return on Equity (ROE) | -60.6113% | 6,919 |
| Retained earnings to average equity (ytd only) | -60.6113% | 6,916 |
| Net charge-offs to loans | 1.0510% | 575 |
| Credit loss provision to net charge-offs | 104.0816% | 2,122 |
| Earnings coverage of net charge-offs (x) | -2.7464% | 4,788 |
| Efficiency ratio | 148.4801% | 75 |
| Assets per employee ($millions) | 1.6622% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 1,708 |
| Loan loss allowance to noncurrent loans | 17.6556% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 13.4329% | 78 |
| Noncurrent loans to loans | 11.6944% | 94 |
| Net loans and leases to total assets | 77.6289% | 792 |
| Net loans and leases to deposits | 85.1682% | 1,659 |
| Net loans and leases to core deposits | 89.1163% | 1,995 |
| Total domestic deposits to total assets | 91.1478% | 496 |
| Equity capital to assets | 4.4924% | 6,851 |
| Core capital (leverage) ratio | 4.2502% | 6,868 |
| Tier 1 risk-based capital ratio | 5.7060% | 6,880 |
| Total risk-based capital ratio | 6.9817% | 6,882 |
| Memoranda: | ||
| Average total assets | $81,914,330 | 5,277 |
| Average earning assets | $74,572,330 | 5,263 |
| Average equity | $4,286,330 | 6,388 |
| Average total loans | $65,270,000 | 4,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,905 |
| Cost of funding earning assets | 0.6996% | 2,212 |
| Net interest margin | 3.8774% | 2,191 |
| Noninterest income to average assets | 1.3245% | 879 |
| Noninterest expense to average assets | 6.5979% | 168 |
| Loan and lease loss provision to assets | 1.7383% | 74 |
| Net operating income to assets | -3.4767% | 6,976 |
| Return on assets (ROA) | -3.4767% | 6,977 |
| Pretax return on assets | -3.4767% | 6,975 |
| Return on Equity (ROE) | -62.0870% | 6,982 |
| Retained earnings to average equity (ytd only) | -62.0870% | 6,977 |
| Net charge-offs to loans | 2.0907% | 218 |
| Credit loss provision to net charge-offs | 104.0816% | 1,773 |
| Earnings coverage of net charge-offs (x) | -1.0408% | 3,969 |
| Efficiency ratio | 135.2705% | 125 |
| Assets per employee ($millions) | 2.0355% | 6,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 1,704 |
| Loan loss allowance to noncurrent loans | 21.6480% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 11.7390% | 135 |
| Noncurrent loans to loans | 9.9014% | 212 |
| Net loans and leases to total assets | 77.0415% | 716 |
| Net loans and leases to deposits | 81.7857% | 1,858 |
| Net loans and leases to core deposits | 84.3288% | 2,288 |
| Total domestic deposits to total assets | 94.1993% | 64 |
| Equity capital to assets | 5.2161% | 6,878 |
| Core capital (leverage) ratio | 4.9511% | 6,880 |
| Tier 1 risk-based capital ratio | 6.7819% | 6,907 |
| Total risk-based capital ratio | 8.0456% | 6,909 |
| Memoranda: | ||
| Average total assets | $82,147,000 | 5,315 |
| Average earning assets | $74,896,500 | 5,295 |
| Average equity | $4,600,000 | 6,368 |
| Average total loans | $65,624,500 | 4,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 1,525 |
| Cost of funding earning assets | 0.7845% | 2,786 |
| Net interest margin | 4.2288% | 1,580 |
| Noninterest income to average assets | 1.5280% | 674 |
| Noninterest expense to average assets | 6.6569% | 167 |
| Loan and lease loss provision to assets | 1.8409% | 131 |
| Net operating income to assets | -3.2260% | 7,019 |
| Return on assets (ROA) | -3.2260% | 7,024 |
| Pretax return on assets | -3.2260% | 7,025 |
| Return on Equity (ROE) | -42.0091% | 7,001 |
| Retained earnings to average equity (ytd only) | -42.0091% | 6,993 |
| Net charge-offs to loans | 0.7011% | 1,685 |
| Credit loss provision to net charge-offs | 327.3381% | 742 |
| Earnings coverage of net charge-offs (x) | -2.4628% | 5,852 |
| Efficiency ratio | 124.2261% | 182 |
| Assets per employee ($millions) | 2.0718% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 1,950 |
| Loan loss allowance to noncurrent loans | 13.4600% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 15.1449% | 78 |
| Noncurrent loans to loans | 15.0476% | 76 |
| Net loans and leases to total assets | 79.3829% | 526 |
| Net loans and leases to deposits | 85.0434% | 1,631 |
| Net loans and leases to core deposits | 87.6599% | 2,126 |
| Total domestic deposits to total assets | 93.3440% | 101 |
| Equity capital to assets | 5.9766% | 6,895 |
| Core capital (leverage) ratio | 5.7070% | 6,882 |
| Tier 1 risk-based capital ratio | 7.2981% | 6,939 |
| Total risk-based capital ratio | 8.5593% | 6,940 |
| Memoranda: | ||
| Average total assets | $74,148,400 | 5,506 |
| Average earning assets | $65,645,000 | 5,566 |
| Average equity | $5,694,000 | 6,101 |
| Average total loans | $59,474,400 | 4,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 1,530 |
| Cost of funding earning assets | 0.7123% | 3,660 |
| Net interest margin | 4.3476% | 1,351 |
| Noninterest income to average assets | 1.1727% | 1,100 |
| Noninterest expense to average assets | 6.9511% | 149 |
| Loan and lease loss provision to assets | 2.3325% | 75 |
| Net operating income to assets | -4.3000% | 7,151 |
| Return on assets (ROA) | -4.3000% | 7,152 |
| Pretax return on assets | -4.3000% | 7,152 |
| Return on Equity (ROE) | -52.6358% | 7,125 |
| Retained earnings to average equity (ytd only) | -52.6358% | 7,120 |
| Net charge-offs to loans | 0.9081% | 1,201 |
| Credit loss provision to net charge-offs | 321.1735% | 835 |
| Earnings coverage of net charge-offs (x) | -2.7092% | 5,675 |
| Efficiency ratio | 137.1747% | 126 |
| Assets per employee ($millions) | 1.9001% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 2,295 |
| Loan loss allowance to noncurrent loans | 14.6255% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 14.6310% | 95 |
| Noncurrent loans to loans | 13.3935% | 123 |
| Net loans and leases to total assets | 84.2256% | 212 |
| Net loans and leases to deposits | 90.8683% | 1,058 |
| Net loans and leases to core deposits | 93.9407% | 1,592 |
| Total domestic deposits to total assets | 92.6898% | 138 |
| Equity capital to assets | 6.6142% | 6,928 |
| Core capital (leverage) ratio | 6.2949% | 6,916 |
| Tier 1 risk-based capital ratio | 7.8982% | 7,001 |
| Total risk-based capital ratio | 9.1588% | 7,001 |
| Memoranda: | ||
| Average total assets | $71,967,250 | 5,635 |
| Average earning assets | $63,083,000 | 5,695 |
| Average equity | $5,879,250 | 6,123 |
| Average total loans | $57,556,250 | 4,861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 1,760 |
| Cost of funding earning assets | 0.7266% | 3,794 |
| Net interest margin | 4.2842% | 1,513 |
| Noninterest income to average assets | 0.7930% | 2,222 |
| Noninterest expense to average assets | 6.6523% | 164 |
| Loan and lease loss provision to assets | 0.4729% | 1,348 |
| Net operating income to assets | -2.6252% | 7,130 |
| Return on assets (ROA) | -2.6252% | 7,137 |
| Pretax return on assets | -2.6252% | 7,126 |
| Return on Equity (ROE) | -30.0811% | 7,104 |
| Retained earnings to average equity (ytd only) | -30.0811% | 7,092 |
| Net charge-offs to loans | 0.1492% | 3,719 |
| Credit loss provision to net charge-offs | 407.3171% | 723 |
| Earnings coverage of net charge-offs (x) | -18.5366% | 5,478 |
| Efficiency ratio | 145.1227% | 114 |
| Assets per employee ($millions) | 1.7744% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,503 |
| Loan loss allowance to noncurrent loans | 9.6589% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 13.8682% | 125 |
| Noncurrent loans to loans | 9.1219% | 328 |
| Net loans and leases to total assets | 81.2152% | 385 |
| Net loans and leases to deposits | 89.5696% | 1,190 |
| Net loans and leases to core deposits | 92.4270% | 1,741 |
| Total domestic deposits to total assets | 90.6727% | 580 |
| Equity capital to assets | 8.6134% | 6,111 |
| Core capital (leverage) ratio | 8.2750% | 5,956 |
| Tier 1 risk-based capital ratio | 9.9046% | 6,845 |
| Total risk-based capital ratio | 10.7719% | 6,915 |
| Memoranda: | ||
| Average total assets | $70,622,000 | 5,715 |
| Average earning assets | $61,108,670 | 5,797 |
| Average equity | $6,163,330 | 6,072 |
| Average total loans | $54,977,330 | 4,985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 2,251 |
| Cost of funding earning assets | 0.7733% | 3,675 |
| Net interest margin | 4.1244% | 2,007 |
| Noninterest income to average assets | 0.7398% | 2,450 |
| Noninterest expense to average assets | 6.6578% | 160 |
| Loan and lease loss provision to assets | 0.5941% | 965 |
| Net operating income to assets | -2.9707% | 7,220 |
| Return on assets (ROA) | -2.9707% | 7,221 |
| Pretax return on assets | -2.9707% | 7,209 |
| Return on Equity (ROE) | -33.8000% | 7,180 |
| Retained earnings to average equity (ytd only) | -33.8000% | 7,157 |
| Net charge-offs to loans | 0.0154% | 4,470 |
| Credit loss provision to net charge-offs | 5,100.0000% | 44 |
| Earnings coverage of net charge-offs (x) | -204.0000% | 4,726 |
| Efficiency ratio | 152.5170% | 97 |
| Assets per employee ($millions) | 1.8869% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 6,463 |
| Loan loss allowance to noncurrent loans | 8.2969% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 14.5152% | 117 |
| Noncurrent loans to loans | 11.2380% | 242 |
| Net loans and leases to total assets | 75.8675% | 814 |
| Net loans and leases to deposits | 84.5206% | 1,594 |
| Net loans and leases to core deposits | 87.6613% | 2,093 |
| Total domestic deposits to total assets | 89.7621% | 1,214 |
| Equity capital to assets | 9.5364% | 4,746 |
| Core capital (leverage) ratio | 9.1572% | 4,593 |
| Tier 1 risk-based capital ratio | 11.8601% | 6,046 |
| Total risk-based capital ratio | 12.7886% | 6,238 |
| Memoranda: | ||
| Average total assets | $68,671,500 | 5,805 |
| Average earning assets | $58,966,500 | 5,907 |
| Average equity | $6,035,500 | 6,139 |
| Average total loans | $51,935,000 | 5,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 5,133 |
| Cost of funding earning assets | 0.9173% | 3,982 |
| Net interest margin | 3.5696% | 4,847 |
| Noninterest income to average assets | -0.7385% | 7,298 |
| Noninterest expense to average assets | 5.7739% | 235 |
| Loan and lease loss provision to assets | 0.6932% | 1,475 |
| Net operating income to assets | -4.2434% | 7,265 |
| Return on assets (ROA) | -4.2434% | 7,271 |
| Pretax return on assets | -4.2434% | 7,281 |
| Return on Equity (ROE) | -39.3476% | 7,158 |
| Retained earnings to average equity (ytd only) | -39.3476% | 7,153 |
| Net charge-offs to loans | 0.5535% | 2,799 |
| Credit loss provision to net charge-offs | 173.9837% | 1,516 |
| Earnings coverage of net charge-offs (x) | -8.9106% | 6,390 |
| Efficiency ratio | 252.8041% | 32 |
| Assets per employee ($millions) | 1.9306% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 7,101 |
| Loan loss allowance to noncurrent loans | 5.1670% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 14.9957% | 121 |
| Noncurrent loans to loans | 9.8431% | 333 |
| Net loans and leases to total assets | 74.2074% | 1,236 |
| Net loans and leases to deposits | 81.2670% | 2,314 |
| Net loans and leases to core deposits | 83.5690% | 2,948 |
| Total domestic deposits to total assets | 91.3131% | 396 |
| Equity capital to assets | 7.9724% | 6,591 |
| Core capital (leverage) ratio | 6.8139% | 6,916 |
| Tier 1 risk-based capital ratio | 8.6447% | 7,068 |
| Total risk-based capital ratio | 9.1320% | 7,116 |
| Memoranda: | ||
| Average total assets | $61,743,400 | 5,989 |
| Average earning assets | $51,238,600 | 6,152 |
| Average equity | $6,658,600 | 5,970 |
| Average total loans | $44,443,400 | 5,496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 5,415 |
| Cost of funding earning assets | 0.9318% | 4,182 |
| Net interest margin | 3.5228% | 5,096 |
| Noninterest income to average assets | -0.8908% | 7,397 |
| Noninterest expense to average assets | 5.4434% | 268 |
| Loan and lease loss provision to assets | 0.7920% | 1,182 |
| Net operating income to assets | -4.2147% | 7,342 |
| Return on assets (ROA) | -4.2147% | 7,347 |
| Pretax return on assets | -4.2147% | 7,348 |
| Return on Equity (ROE) | -36.5113% | 7,235 |
| Retained earnings to average equity (ytd only) | -36.5113% | 7,228 |
| Net charge-offs to loans | 0.7141% | 2,125 |
| Credit loss provision to net charge-offs | 155.6034% | 1,997 |
| Earnings coverage of net charge-offs (x) | -6.7240% | 6,117 |
| Efficiency ratio | 261.5635% | 27 |
| Assets per employee ($millions) | 2.1189% | 7,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4109% | 7,222 |
| Loan loss allowance to noncurrent loans | 3.2678% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 17.7416% | 77 |
| Noncurrent loans to loans | 12.5744% | 213 |
| Net loans and leases to total assets | 74.7294% | 1,190 |
| Net loans and leases to deposits | 83.1653% | 2,151 |
| Net loans and leases to core deposits | 85.6329% | 2,825 |
| Total domestic deposits to total assets | 89.8565% | 946 |
| Equity capital to assets | 9.3365% | 5,322 |
| Core capital (leverage) ratio | 8.1209% | 6,256 |
| Tier 1 risk-based capital ratio | 10.0654% | 6,935 |
| Total risk-based capital ratio | 10.4527% | 7,087 |
| Memoranda: | ||
| Average total assets | $60,769,500 | 6,063 |
| Average earning assets | $50,224,250 | 6,234 |
| Average equity | $7,015,000 | 5,897 |
| Average total loans | $43,314,750 | 5,592 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 6,203 |
| Cost of funding earning assets | 0.9651% | 4,211 |
| Net interest margin | 3.2726% | 5,932 |
| Noninterest income to average assets | -0.7621% | 7,453 |
| Noninterest expense to average assets | 5.2810% | 298 |
| Loan and lease loss provision to assets | 0.2239% | 3,678 |
| Net operating income to assets | -3.5697% | 7,368 |
| Return on assets (ROA) | -3.5697% | 7,372 |
| Pretax return on assets | -3.5697% | 7,367 |
| Return on Equity (ROE) | -28.9627% | 7,232 |
| Retained earnings to average equity (ytd only) | -28.9627% | 7,224 |
| Net charge-offs to loans | -0.0048% | 6,584 |
| Credit loss provision to net charge-offs | -6,700.0000% | 6,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 264.2487% | 31 |
| Assets per employee ($millions) | 2.5125% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 7,340 |
| Loan loss allowance to noncurrent loans | 1.9511% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 21.5373% | 47 |
| Noncurrent loans to loans | 15.9888% | 116 |
| Net loans and leases to total assets | 74.6504% | 1,295 |
| Net loans and leases to deposits | 85.1859% | 1,913 |
| Net loans and leases to core deposits | 88.0388% | 2,644 |
| Total domestic deposits to total assets | 87.6324% | 2,379 |
| Equity capital to assets | 11.7412% | 2,293 |
| Core capital (leverage) ratio | 10.4079% | 2,820 |
| Tier 1 risk-based capital ratio | 12.8422% | 5,050 |
| Total risk-based capital ratio | 13.1348% | 5,853 |
| Memoranda: | ||
| Average total assets | $59,836,670 | 6,144 |
| Average earning assets | $49,319,330 | 6,325 |
| Average equity | $7,375,000 | 5,810 |
| Average total loans | $41,853,000 | 5,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 6,593 |
| Cost of funding earning assets | 0.9719% | 4,406 |
| Net interest margin | 3.0831% | 6,388 |
| Noninterest income to average assets | -0.5915% | 7,509 |
| Noninterest expense to average assets | 5.0081% | 361 |
| Loan and lease loss provision to assets | 0.0854% | 4,934 |
| Net operating income to assets | -3.1416% | 7,403 |
| Return on assets (ROA) | -3.1416% | 7,406 |
| Pretax return on assets | -3.1416% | 7,387 |
| Return on Equity (ROE) | -24.9283% | 7,277 |
| Retained earnings to average equity (ytd only) | -24.9283% | 7,239 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.1481% | 37 |
| Assets per employee ($millions) | 2.4960% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1963% | 7,447 |
| Loan loss allowance to noncurrent loans | 1.0648% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 22.3728% | 44 |
| Noncurrent loans to loans | 18.4355% | 82 |
| Net loans and leases to total assets | 67.8981% | 2,570 |
| Net loans and leases to deposits | 77.9146% | 3,071 |
| Net loans and leases to core deposits | 80.0382% | 3,754 |
| Total domestic deposits to total assets | 87.1442% | 2,858 |
| Equity capital to assets | 12.3116% | 1,730 |
| Core capital (leverage) ratio | 10.9982% | 2,191 |
| Tier 1 risk-based capital ratio | 14.8825% | 3,487 |
| Total risk-based capital ratio | 15.0659% | 4,180 |
| Memoranda: | ||
| Average total assets | $60,861,000 | 6,158 |
| Average earning assets | $50,208,500 | 6,339 |
| Average equity | $7,670,000 | 5,718 |
| Average total loans | $41,142,500 | 5,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7447% | 7,577 |
| Cost of funding earning assets | 0.5540% | 7,223 |
| Net interest margin | 1.1907% | 7,571 |
| Noninterest income to average assets | -0.2080% | 7,474 |
| Noninterest expense to average assets | 2.5876% | 5,465 |
| Loan and lease loss provision to assets | 0.3128% | 4,297 |
| Net operating income to assets | -1.4028% | 6,878 |
| Return on assets (ROA) | -1.4028% | 6,897 |
| Pretax return on assets | -2.1250% | 7,066 |
| Return on Equity (ROE) | -16.2861% | 6,957 |
| Retained earnings to average equity (ytd only) | -16.2861% | 6,925 |
| Net charge-offs to loans | 0.2960% | 4,539 |
| Credit loss provision to net charge-offs | 155.3719% | 2,276 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 6,796 |
| Efficiency ratio | 324.0343% | 25 |
| Assets per employee ($millions) | 2.9438% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1613% | 7,539 |
| Loan loss allowance to noncurrent loans | 0.8684% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 22.1194% | 49 |
| Noncurrent loans to loans | 18.5760% | 91 |
| Net loans and leases to total assets | 67.0748% | 3,200 |
| Net loans and leases to deposits | 77.6062% | 3,574 |
| Net loans and leases to core deposits | 79.6638% | 4,255 |
| Total domestic deposits to total assets | 86.4297% | 3,119 |
| Equity capital to assets | 12.8844% | 1,446 |
| Core capital (leverage) ratio | 11.1298% | 2,065 |
| Tier 1 risk-based capital ratio | 15.3643% | 3,063 |
| Total risk-based capital ratio | 15.5169% | 3,655 |
| Memoranda: | ||
| Average total assets | $60,095,000 | 6,198 |
| Average earning assets | $49,636,600 | 6,378 |
| Average equity | $5,176,200 | 6,611 |
| Average total loans | $40,873,600 | 5,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9303% | 7,727 |
| Cost of funding earning assets | 0.3840% | 7,581 |
| Net interest margin | 0.5463% | 7,723 |
| Noninterest income to average assets | -0.1832% | 7,587 |
| Noninterest expense to average assets | 1.1710% | 7,666 |
| Loan and lease loss provision to assets | 0.1922% | 5,119 |
| Net operating income to assets | -0.7263% | 6,746 |
| Return on assets (ROA) | -0.7263% | 6,791 |
| Pretax return on assets | -1.0950% | 6,898 |
| Return on Equity (ROE) | -9.6745% | 6,915 |
| Retained earnings to average equity (ytd only) | -9.6745% | 6,862 |
| Net charge-offs to loans | 0.2751% | 4,298 |
| Credit loss provision to net charge-offs | 102.3810% | 4,203 |
| Earnings coverage of net charge-offs (x) | -4.8094% | 6,589 |
| Efficiency ratio | 419.1667% | 14 |
| Assets per employee ($millions) | 3.3409% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0053% | 7,688 |
| Loan loss allowance to noncurrent loans | 0.0267% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 20.7429% | 51 |
| Noncurrent loans to loans | 19.9394% | 75 |
| Net loans and leases to total assets | 59.2608% | 5,053 |
| Net loans and leases to deposits | 69.0284% | 5,271 |
| Net loans and leases to core deposits | 71.3727% | 5,593 |
| Total domestic deposits to total assets | 85.8500% | 3,156 |
| Equity capital to assets | 13.3655% | 1,408 |
| Core capital (leverage) ratio | 12.2437% | 1,537 |
| Tier 1 risk-based capital ratio | 17.9298% | 2,044 |
| Total risk-based capital ratio | 17.9345% | 2,429 |
| Memoranda: | ||
| Average total assets | $59,664,000 | 6,282 |
| Average earning assets | $49,302,000 | 6,463 |
| Average equity | $4,479,000 | 6,916 |
| Average total loans | $40,709,000 | 5,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 6,356 |
| Cost of funding earning assets | 1.8162% | 1,585 |
| Net interest margin | 2.8183% | 7,120 |
| Noninterest income to average assets | -0.9693% | 7,791 |
| Noninterest expense to average assets | 4.6512% | 496 |
| Loan and lease loss provision to assets | 6.9084% | 48 |
| Net operating income to assets | -6.7611% | 7,761 |
| Return on assets (ROA) | -6.7611% | 7,765 |
| Pretax return on assets | -10.2170% | 7,811 |
| Return on Equity (ROE) | -125.5725% | 7,761 |
| Retained earnings to average equity (ytd only) | -125.5725% | 7,761 |
| Net charge-offs to loans | 8.8023% | 47 |
| Credit loss provision to net charge-offs | 109.7986% | 3,711 |
| Earnings coverage of net charge-offs (x) | -0.5259% | 6,025 |
| Efficiency ratio | 345.9184% | 30 |
| Assets per employee ($millions) | 3.7725% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 1,543 |
| Loan loss allowance to noncurrent loans | 10.2709% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 28.0559% | 11 |
| Noncurrent loans to loans | 22.6587% | 47 |
| Net loans and leases to total assets | 67.4925% | 3,499 |
| Net loans and leases to deposits | 70.7928% | 5,162 |
| Net loans and leases to core deposits | 73.6529% | 5,480 |
| Total domestic deposits to total assets | 95.3382% | 39 |
| Equity capital to assets | 4.0363% | 7,692 |
| Core capital (leverage) ratio | 0.2920% | 7,822 |
| Tier 1 risk-based capital ratio | 0.3794% | 7,822 |
| Total risk-based capital ratio | 0.7589% | 7,822 |
| Memoranda: | ||
| Average total assets | $58,393,000 | 6,374 |
| Average earning assets | $47,901,670 | 6,551 |
| Average equity | $3,144,000 | 7,369 |
| Average total loans | $41,739,000 | 5,969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 6,019 |
| Cost of funding earning assets | 1.8850% | 1,509 |
| Net interest margin | 2.8801% | 7,050 |
| Noninterest income to average assets | -1.5515% | 7,914 |
| Noninterest expense to average assets | 5.1471% | 332 |
| Loan and lease loss provision to assets | 9.5858% | 34 |
| Net operating income to assets | -9.1945% | 7,886 |
| Return on assets (ROA) | -9.1945% | 7,887 |
| Pretax return on assets | -13.8829% | 7,918 |
| Return on Equity (ROE) | -152.5462% | 7,870 |
| Retained earnings to average equity (ytd only) | -152.5462% | 7,868 |
| Net charge-offs to loans | 10.1074% | 53 |
| Credit loss provision to net charge-offs | 130.6066% | 2,699 |
| Earnings coverage of net charge-offs (x) | -0.5855% | 5,311 |
| Efficiency ratio | 604.7619% | 13 |
| Assets per employee ($millions) | 3.5804% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5955% | 1,185 |
| Loan loss allowance to noncurrent loans | 11.5205% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 27.6276% | 14 |
| Noncurrent loans to loans | 22.5291% | 53 |
| Net loans and leases to total assets | 69.6371% | 3,023 |
| Net loans and leases to deposits | 73.8705% | 4,760 |
| Net loans and leases to core deposits | 78.6798% | 4,937 |
| Total domestic deposits to total assets | 94.2692% | 64 |
| Equity capital to assets | 5.0500% | 7,719 |
| Core capital (leverage) ratio | 1.9540% | 7,882 |
| Tier 1 risk-based capital ratio | 2.5676% | 7,889 |
| Total risk-based capital ratio | 3.8325% | 7,888 |
| Memoranda: | ||
| Average total assets | $59,296,000 | 6,414 |
| Average earning assets | $49,443,000 | 6,573 |
| Average equity | $3,574,000 | 7,322 |
| Average total loans | $43,057,500 | 5,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 6,949 |
| Cost of funding earning assets | 2.5012% | 1,023 |
| Net interest margin | 2.3020% | 7,590 |
| Noninterest income to average assets | -0.0063% | 7,719 |
| Noninterest expense to average assets | 3.2881% | 3,046 |
| Loan and lease loss provision to assets | 4.4100% | 274 |
| Net operating income to assets | -3.6684% | 7,549 |
| Return on assets (ROA) | -3.6684% | 7,555 |
| Pretax return on assets | -5.5811% | 7,770 |
| Return on Equity (ROE) | -41.4266% | 7,591 |
| Retained earnings to average equity (ytd only) | -41.4266% | 7,577 |
| Net charge-offs to loans | 4.3710% | 343 |
| Credit loss provision to net charge-offs | 124.7423% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.3312% | 6,569 |
| Efficiency ratio | 155.0150% | 282 |
| Assets per employee ($millions) | 3.8316% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 3,210 |
| Loan loss allowance to noncurrent loans | 6.9696% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 24.4515% | 25 |
| Noncurrent loans to loans | 23.1936% | 46 |
| Net loans and leases to total assets | 72.4721% | 2,641 |
| Net loans and leases to deposits | 81.7401% | 3,658 |
| Net loans and leases to core deposits | 110.6465% | 2,826 |
| Total domestic deposits to total assets | 88.6616% | 1,650 |
| Equity capital to assets | 6.9407% | 7,397 |
| Core capital (leverage) ratio | 5.2186% | 7,741 |
| Tier 1 risk-based capital ratio | 7.0212% | 7,744 |
| Total risk-based capital ratio | 8.2752% | 7,750 |
| Memoranda: | ||
| Average total assets | $63,106,200 | 6,236 |
| Average earning assets | $58,211,400 | 6,213 |
| Average equity | $5,588,200 | 6,748 |
| Average total loans | $51,041,200 | 5,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 7,021 |
| Cost of funding earning assets | 2.5654% | 1,119 |
| Net interest margin | 2.2811% | 7,663 |
| Noninterest income to average assets | 0.0524% | 7,639 |
| Noninterest expense to average assets | 3.1530% | 3,451 |
| Loan and lease loss provision to assets | 3.0838% | 467 |
| Net operating income to assets | -2.6495% | 7,497 |
| Return on assets (ROA) | -2.6495% | 7,506 |
| Pretax return on assets | -4.0467% | 7,694 |
| Return on Equity (ROE) | -28.4381% | 7,570 |
| Retained earnings to average equity (ytd only) | -28.4381% | 7,559 |
| Net charge-offs to loans | 4.4789% | 287 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | -0.2602% | 6,330 |
| Efficiency ratio | 143.6782% | 349 |
| Assets per employee ($millions) | 4.0330% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 7,160 |
| Loan loss allowance to noncurrent loans | 3.5767% | 7,515 |
| Noncurrent assets plus other real estate owned to assets | 20.0828% | 46 |
| Noncurrent loans to loans | 22.0246% | 50 |
| Net loans and leases to total assets | 75.7284% | 2,055 |
| Net loans and leases to deposits | 86.4977% | 3,228 |
| Net loans and leases to core deposits | 118.6875% | 2,357 |
| Total domestic deposits to total assets | 87.5496% | 1,864 |
| Equity capital to assets | 8.2243% | 6,613 |
| Core capital (leverage) ratio | 7.6385% | 6,814 |
| Tier 1 risk-based capital ratio | 10.6574% | 6,291 |
| Total risk-based capital ratio | 11.5010% | 6,675 |
| Memoranda: | ||
| Average total assets | $63,556,500 | 6,263 |
| Average earning assets | $59,559,250 | 6,186 |
| Average equity | $5,921,500 | 6,690 |
| Average total loans | $52,511,750 | 5,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 6,864 |
| Cost of funding earning assets | 2.6538% | 1,152 |
| Net interest margin | 2.3191% | 7,666 |
| Noninterest income to average assets | 0.0506% | 7,734 |
| Noninterest expense to average assets | 3.2009% | 3,337 |
| Loan and lease loss provision to assets | 3.3653% | 430 |
| Net operating income to assets | -2.8245% | 7,637 |
| Return on assets (ROA) | -2.8245% | 7,632 |
| Pretax return on assets | -4.3237% | 7,783 |
| Return on Equity (ROE) | -29.1529% | 7,697 |
| Retained earnings to average equity (ytd only) | -29.1529% | 7,673 |
| Net charge-offs to loans | 5.0674% | 244 |
| Credit loss provision to net charge-offs | 78.3505% | 5,240 |
| Earnings coverage of net charge-offs (x) | -0.2231% | 5,902 |
| Efficiency ratio | 142.4542% | 413 |
| Assets per employee ($millions) | 4.1151% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 7,332 |
| Loan loss allowance to noncurrent loans | 3.0059% | 7,556 |
| Noncurrent assets plus other real estate owned to assets | 20.2017% | 38 |
| Noncurrent loans to loans | 24.6190% | 29 |
| Net loans and leases to total assets | 79.0435% | 1,510 |
| Net loans and leases to deposits | 90.5757% | 2,738 |
| Net loans and leases to core deposits | 116.5055% | 2,668 |
| Total domestic deposits to total assets | 87.2678% | 2,115 |
| Equity capital to assets | 8.6223% | 5,863 |
| Core capital (leverage) ratio | 8.0042% | 6,321 |
| Tier 1 risk-based capital ratio | 11.2654% | 5,622 |
| Total risk-based capital ratio | 12.0996% | 5,968 |
| Memoranda: | ||
| Average total assets | $63,232,670 | 6,321 |
| Average earning assets | $59,763,330 | 6,234 |
| Average equity | $6,126,330 | 6,676 |
| Average total loans | $53,597,670 | 5,612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 7,073 |
| Cost of funding earning assets | 2.6886% | 1,303 |
| Net interest margin | 2.2507% | 7,758 |
| Noninterest income to average assets | 0.0065% | 8,030 |
| Noninterest expense to average assets | 3.3716% | 2,442 |
| Loan and lease loss provision to assets | 3.1456% | 346 |
| Net operating income to assets | -2.8355% | 7,820 |
| Return on assets (ROA) | -2.8355% | 7,825 |
| Pretax return on assets | -4.3857% | 7,942 |
| Return on Equity (ROE) | -27.6492% | 7,879 |
| Retained earnings to average equity (ytd only) | -27.6492% | 7,823 |
| Net charge-offs to loans | -0.0074% | 7,236 |
| Credit loss provision to net charge-offs | -48,700.0000% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.8788% | 319 |
| Assets per employee ($millions) | 3.8611% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 1,119 |
| Loan loss allowance to noncurrent loans | 13.2593% | 7,453 |
| Noncurrent assets plus other real estate owned to assets | 14.9196% | 80 |
| Noncurrent loans to loans | 16.3538% | 76 |
| Net loans and leases to total assets | 85.4463% | 504 |
| Net loans and leases to deposits | 99.9375% | 1,415 |
| Net loans and leases to core deposits | 125.7912% | 1,927 |
| Total domestic deposits to total assets | 85.4997% | 2,968 |
| Equity capital to assets | 9.9259% | 4,077 |
| Core capital (leverage) ratio | 9.8950% | 3,524 |
| Tier 1 risk-based capital ratio | 13.5702% | 3,820 |
| Total risk-based capital ratio | 14.8373% | 3,731 |
| Memoranda: | ||
| Average total assets | $61,928,500 | 6,402 |
| Average earning assets | $58,469,500 | 6,324 |
| Average equity | $6,351,000 | 6,639 |
| Average total loans | $54,181,000 | 5,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5946% | 2,514 |
| Cost of funding earning assets | 3.1901% | 1,222 |
| Net interest margin | 3.4045% | 5,646 |
| Noninterest income to average assets | 0.8064% | 2,481 |
| Noninterest expense to average assets | 3.1570% | 3,494 |
| Loan and lease loss provision to assets | 0.5163% | 2,743 |
| Net operating income to assets | 0.2263% | 5,767 |
| Return on assets (ROA) | 0.2263% | 5,594 |
| Pretax return on assets | 0.3713% | 5,330 |
| Return on Equity (ROE) | 2.1998% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.1998% | 3,847 |
| Net charge-offs to loans | 0.0036% | 6,952 |
| Credit loss provision to net charge-offs | 16,200.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 178 |
| Efficiency ratio | 77.8960% | 2,934 |
| Assets per employee ($millions) | 3.8799% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 4,104 |
| Loan loss allowance to noncurrent loans | 11.2895% | 7,487 |
| Noncurrent assets plus other real estate owned to assets | 10.3964% | 143 |
| Noncurrent loans to loans | 11.1038% | 164 |
| Net loans and leases to total assets | 86.5397% | 533 |
| Net loans and leases to deposits | 110.1604% | 821 |
| Net loans and leases to core deposits | 142.1431% | 1,158 |
| Total domestic deposits to total assets | 78.5580% | 5,529 |
| Equity capital to assets | 10.5833% | 3,413 |
| Core capital (leverage) ratio | 10.5489% | 2,941 |
| Tier 1 risk-based capital ratio | 14.5064% | 3,291 |
| Total risk-based capital ratio | 15.7592% | 3,212 |
| Memoranda: | ||
| Average total assets | $62,749,800 | 6,289 |
| Average earning assets | $59,685,200 | 6,182 |
| Average equity | $6,455,200 | 6,653 |
| Average total loans | $55,374,800 | 5,481 |