Home > Home Federal Savings and Loan Association of Nebraska > Performance and Condition Ratios
Home Federal Savings and Loan Association of Nebraska, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 960 |
| Cost of funding earning assets | 0.6671% | 978 |
| Net interest margin | 4.1123% | 1,383 |
| Noninterest income to average assets | 0.7788% | 1,867 |
| Noninterest expense to average assets | 5.0615% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3506% | 6,006 |
| Return on assets (ROA) | -0.3506% | 6,012 |
| Pretax return on assets | -0.3506% | 6,000 |
| Return on Equity (ROE) | -3.3809% | 6,018 |
| Retained earnings to average equity (ytd only) | -3.3809% | 5,843 |
| Net charge-offs to loans | 0.2233% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -1.8835% | 4,355 |
| Efficiency ratio | 107.4415% | 165 |
| Assets per employee ($millions) | 2.1563% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,831 |
| Loan loss allowance to noncurrent loans | 229.3173% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 3,405 |
| Noncurrent loans to loans | 0.5718% | 3,457 |
| Net loans and leases to total assets | 76.6592% | 1,310 |
| Net loans and leases to deposits | 96.0532% | 1,002 |
| Net loans and leases to core deposits | 96.0532% | 1,847 |
| Total domestic deposits to total assets | 79.8092% | 4,792 |
| Equity capital to assets | 10.0776% | 3,878 |
| Core capital (leverage) ratio | 10.1311% | 3,352 |
| Tier 1 risk-based capital ratio | 13.3489% | 4,080 |
| Total risk-based capital ratio | 13.3679% | 4,779 |
| Memoranda: | ||
| Average total assets | $55,339,000 | 5,424 |
| Average earning assets | $52,913,800 | 5,359 |
| Average equity | $5,738,200 | 5,495 |
| Average total loans | $46,125,200 | 4,790 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 932 |
| Cost of funding earning assets | 0.6403% | 1,146 |
| Net interest margin | 4.1609% | 1,253 |
| Noninterest income to average assets | 0.8533% | 1,608 |
| Noninterest expense to average assets | 5.1947% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3674% | 6,106 |
| Return on assets (ROA) | -0.3674% | 6,117 |
| Pretax return on assets | -0.3674% | 6,105 |
| Return on Equity (ROE) | -3.5183% | 6,114 |
| Retained earnings to average equity (ytd only) | -3.5183% | 5,966 |
| Net charge-offs to loans | 0.1539% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.8147% | 4,094 |
| Efficiency ratio | 107.6114% | 170 |
| Assets per employee ($millions) | 1.9941% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,925 |
| Loan loss allowance to noncurrent loans | 287.0370% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 3,749 |
| Noncurrent loans to loans | 0.4652% | 3,961 |
| Net loans and leases to total assets | 85.0894% | 297 |
| Net loans and leases to deposits | 107.8740% | 309 |
| Net loans and leases to core deposits | 107.8740% | 988 |
| Total domestic deposits to total assets | 78.8785% | 5,005 |
| Equity capital to assets | 10.5756% | 3,513 |
| Core capital (leverage) ratio | 10.4174% | 3,148 |
| Tier 1 risk-based capital ratio | 12.6540% | 4,643 |
| Total risk-based capital ratio | 13.9065% | 4,552 |
| Memoranda: | ||
| Average total assets | $55,157,500 | 5,503 |
| Average earning assets | $52,679,500 | 5,436 |
| Average equity | $5,760,250 | 5,565 |
| Average total loans | $46,769,000 | 4,817 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,029 |
| Cost of funding earning assets | 0.5911% | 1,482 |
| Net interest margin | 4.1301% | 1,274 |
| Noninterest income to average assets | 0.6763% | 2,318 |
| Noninterest expense to average assets | 5.1515% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5288% | 6,196 |
| Return on assets (ROA) | -0.5288% | 6,206 |
| Pretax return on assets | -0.5288% | 6,194 |
| Return on Equity (ROE) | -5.0871% | 6,195 |
| Retained earnings to average equity (ytd only) | -5.0871% | 6,026 |
| Net charge-offs to loans | 0.1024% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.1250% | 3,828 |
| Efficiency ratio | 111.4397% | 160 |
| Assets per employee ($millions) | 2.1144% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 2,779 |
| Loan loss allowance to noncurrent loans | 317.0732% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,976 |
| Noncurrent loans to loans | 0.4402% | 4,162 |
| Net loans and leases to total assets | 83.5213% | 413 |
| Net loans and leases to deposits | 104.8455% | 416 |
| Net loans and leases to core deposits | 104.8455% | 1,136 |
| Total domestic deposits to total assets | 79.6613% | 4,937 |
| Equity capital to assets | 10.3667% | 3,594 |
| Core capital (leverage) ratio | 10.2236% | 3,306 |
| Tier 1 risk-based capital ratio | 12.7820% | 4,633 |
| Total risk-based capital ratio | 14.0351% | 4,546 |
| Memoranda: | ||
| Average total assets | $55,595,330 | 5,547 |
| Average earning assets | $53,122,000 | 5,486 |
| Average equity | $5,779,330 | 5,611 |
| Average total loans | $46,888,330 | 4,858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,288 |
| Cost of funding earning assets | 0.4645% | 2,623 |
| Net interest margin | 4.1058% | 1,260 |
| Noninterest income to average assets | 0.6153% | 2,573 |
| Noninterest expense to average assets | 4.9011% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3649% | 6,207 |
| Return on assets (ROA) | -0.3649% | 6,222 |
| Pretax return on assets | -0.3649% | 6,208 |
| Return on Equity (ROE) | -3.5055% | 6,229 |
| Retained earnings to average equity (ytd only) | -3.5055% | 5,831 |
| Net charge-offs to loans | 0.2465% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.7586% | 3,200 |
| Efficiency ratio | 108.0442% | 214 |
| Assets per employee ($millions) | 2.1355% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 2,769 |
| Loan loss allowance to noncurrent loans | 304.7170% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 4,019 |
| Noncurrent loans to loans | 0.4708% | 4,170 |
| Net loans and leases to total assets | 79.9449% | 689 |
| Net loans and leases to deposits | 99.9325% | 566 |
| Net loans and leases to core deposits | 99.9325% | 1,322 |
| Total domestic deposits to total assets | 79.9989% | 5,052 |
| Equity capital to assets | 10.4355% | 3,606 |
| Core capital (leverage) ratio | 10.3781% | 3,121 |
| Tier 1 risk-based capital ratio | 11.5673% | 5,513 |
| Total risk-based capital ratio | 12.6686% | 5,506 |
| Memoranda: | ||
| Average total assets | $55,906,000 | 5,590 |
| Average earning assets | $53,388,000 | 5,530 |
| Average equity | $5,819,500 | 5,652 |
| Average total loans | $47,050,000 | 4,883 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 419 |
| Cost of funding earning assets | 0.6626% | 1,318 |
| Net interest margin | 4.6799% | 538 |
| Noninterest income to average assets | 0.8282% | 1,762 |
| Noninterest expense to average assets | 5.1632% | 279 |
| Loan and lease loss provision to assets | 0.2399% | 988 |
| Net operating income to assets | -0.1237% | 6,171 |
| Return on assets (ROA) | -0.1237% | 6,173 |
| Pretax return on assets | -0.1237% | 6,152 |
| Return on Equity (ROE) | -1.1078% | 6,172 |
| Retained earnings to average equity (ytd only) | -1.1078% | 5,934 |
| Net charge-offs to loans | 0.5000% | 820 |
| Credit loss provision to net charge-offs | 53.8462% | 3,405 |
| Earnings coverage of net charge-offs (x) | 0.2607% | 4,675 |
| Efficiency ratio | 97.8002% | 433 |
| Assets per employee ($millions) | 2.0104% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 3,069 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 3,499 |
| Noncurrent loans to loans | 0.6603% | 3,699 |
| Net loans and leases to total assets | 85.9691% | 207 |
| Net loans and leases to deposits | 107.9648% | 295 |
| Net loans and leases to core deposits | 107.9648% | 894 |
| Total domestic deposits to total assets | 79.6269% | 5,117 |
| Equity capital to assets | 10.3837% | 3,624 |
| Core capital (leverage) ratio | 10.3216% | 3,141 |
| Tier 1 risk-based capital ratio | 12.3335% | 5,133 |
| Total risk-based capital ratio | 13.5868% | 5,048 |
| Memoranda: | ||
| Average total assets | $52,525,800 | 5,732 |
| Average earning assets | $49,958,000 | 5,679 |
| Average equity | $5,867,600 | 5,649 |
| Average total loans | $46,803,800 | 4,924 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3875% | 389 |
| Cost of funding earning assets | 0.6418% | 1,514 |
| Net interest margin | 4.7457% | 463 |
| Noninterest income to average assets | 0.8478% | 1,711 |
| Noninterest expense to average assets | 5.3012% | 258 |
| Loan and lease loss provision to assets | 0.3257% | 572 |
| Net operating income to assets | -0.2688% | 6,300 |
| Return on assets (ROA) | -0.2688% | 6,294 |
| Pretax return on assets | -0.2688% | 6,277 |
| Return on Equity (ROE) | -2.3609% | 6,297 |
| Retained earnings to average equity (ytd only) | -2.3609% | 6,101 |
| Net charge-offs to loans | 0.6430% | 555 |
| Credit loss provision to net charge-offs | 56.5022% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.0986% | 4,434 |
| Efficiency ratio | 98.9387% | 403 |
| Assets per employee ($millions) | 1.8089% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,991 |
| Loan loss allowance to noncurrent loans | 194.0510% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 3,503 |
| Noncurrent loans to loans | 0.7424% | 3,749 |
| Net loans and leases to total assets | 86.3584% | 177 |
| Net loans and leases to deposits | 108.8770% | 246 |
| Net loans and leases to core deposits | 108.8770% | 806 |
| Total domestic deposits to total assets | 79.3175% | 5,257 |
| Equity capital to assets | 10.6969% | 3,308 |
| Core capital (leverage) ratio | 10.6327% | 2,882 |
| Tier 1 risk-based capital ratio | 12.7313% | 5,023 |
| Total risk-based capital ratio | 13.9854% | 4,928 |
| Memoranda: | ||
| Average total assets | $51,584,750 | 5,814 |
| Average earning assets | $49,025,500 | 5,766 |
| Average equity | $5,873,250 | 5,703 |
| Average total loans | $46,238,000 | 4,992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 479 |
| Cost of funding earning assets | 0.5939% | 1,946 |
| Net interest margin | 4.6394% | 542 |
| Noninterest income to average assets | 0.7773% | 1,929 |
| Noninterest expense to average assets | 5.3067% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1223% | 6,270 |
| Return on assets (ROA) | -0.1223% | 6,283 |
| Pretax return on assets | -0.1223% | 6,270 |
| Return on Equity (ROE) | -1.0516% | 6,275 |
| Retained earnings to average equity (ytd only) | -1.0516% | 5,860 |
| Net charge-offs to loans | 0.2882% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.4697% | 4,174 |
| Efficiency ratio | 102.3592% | 349 |
| Assets per employee ($millions) | 1.6751% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,847 |
| Loan loss allowance to noncurrent loans | 155.9913% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 3,044 |
| Noncurrent loans to loans | 0.9684% | 3,302 |
| Net loans and leases to total assets | 89.8954% | 56 |
| Net loans and leases to deposits | 115.5245% | 125 |
| Net loans and leases to core deposits | 116.2437% | 471 |
| Total domestic deposits to total assets | 77.8150% | 5,670 |
| Equity capital to assets | 11.3217% | 2,588 |
| Core capital (leverage) ratio | 11.2550% | 2,190 |
| Tier 1 risk-based capital ratio | 13.0346% | 4,887 |
| Total risk-based capital ratio | 14.2889% | 4,815 |
| Memoranda: | ||
| Average total assets | $50,690,330 | 5,885 |
| Average earning assets | $48,152,330 | 5,837 |
| Average equity | $5,896,000 | 5,738 |
| Average total loans | $45,800,670 | 5,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 313 |
| Cost of funding earning assets | 0.5807% | 2,150 |
| Net interest margin | 4.8730% | 336 |
| Noninterest income to average assets | 0.7270% | 2,049 |
| Noninterest expense to average assets | 5.4162% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0639% | 6,260 |
| Return on assets (ROA) | -0.0639% | 6,267 |
| Pretax return on assets | -0.0639% | 6,258 |
| Return on Equity (ROE) | -0.5420% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.5420% | 5,655 |
| Net charge-offs to loans | 0.1244% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 3,485 |
| Efficiency ratio | 101.1940% | 441 |
| Assets per employee ($millions) | 1.6107% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,326 |
| Loan loss allowance to noncurrent loans | 195.4198% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 3,433 |
| Noncurrent loans to loans | 0.8739% | 3,704 |
| Net loans and leases to total assets | 88.5284% | 69 |
| Net loans and leases to deposits | 111.0625% | 137 |
| Net loans and leases to core deposits | 111.0625% | 546 |
| Total domestic deposits to total assets | 79.7104% | 5,544 |
| Equity capital to assets | 11.8181% | 2,002 |
| Core capital (leverage) ratio | 11.7527% | 1,800 |
| Tier 1 risk-based capital ratio | 13.8711% | 4,416 |
| Total risk-based capital ratio | 15.1271% | 4,365 |
| Memoranda: | ||
| Average total assets | $50,072,000 | 5,962 |
| Average earning assets | $47,527,000 | 5,901 |
| Average equity | $5,904,500 | 5,768 |
| Average total loans | $45,003,000 | 5,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 1,181 |
| Cost of funding earning assets | 0.6182% | 2,496 |
| Net interest margin | 4.2399% | 1,250 |
| Noninterest income to average assets | 0.8626% | 1,817 |
| Noninterest expense to average assets | 5.1811% | 303 |
| Loan and lease loss provision to assets | -0.5524% | 6,756 |
| Net operating income to assets | 0.2752% | 5,605 |
| Return on assets (ROA) | 0.2752% | 5,691 |
| Pretax return on assets | 0.2752% | 5,793 |
| Return on Equity (ROE) | 2.4403% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.4403% | 4,511 |
| Net charge-offs to loans | -0.0303% | 6,229 |
| Credit loss provision to net charge-offs | 2,375.0000% | 101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6522% | 344 |
| Assets per employee ($millions) | 1.6197% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 2,281 |
| Loan loss allowance to noncurrent loans | 517.8808% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 4,494 |
| Noncurrent loans to loans | 0.3353% | 5,181 |
| Net loans and leases to total assets | 88.1303% | 84 |
| Net loans and leases to deposits | 110.4147% | 170 |
| Net loans and leases to core deposits | 110.4147% | 595 |
| Total domestic deposits to total assets | 79.8176% | 5,488 |
| Equity capital to assets | 11.7661% | 1,971 |
| Core capital (leverage) ratio | 11.7010% | 1,824 |
| Tier 1 risk-based capital ratio | 13.7804% | 4,451 |
| Total risk-based capital ratio | 15.0385% | 4,391 |
| Memoranda: | ||
| Average total assets | $51,591,000 | 5,974 |
| Average earning assets | $49,176,200 | 5,917 |
| Average equity | $5,819,000 | 5,858 |
| Average total loans | $39,624,400 | 5,364 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 1,597 |
| Cost of funding earning assets | 0.6242% | 2,617 |
| Net interest margin | 4.0761% | 1,701 |
| Noninterest income to average assets | 0.8908% | 1,789 |
| Noninterest expense to average assets | 5.1550% | 308 |
| Loan and lease loss provision to assets | -0.7317% | 6,858 |
| Net operating income to assets | 0.3568% | 5,415 |
| Return on assets (ROA) | 0.3568% | 5,545 |
| Pretax return on assets | 0.3568% | 5,726 |
| Return on Equity (ROE) | 3.1971% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.1971% | 4,398 |
| Net charge-offs to loans | -0.1010% | 6,501 |
| Credit loss provision to net charge-offs | 982.7586% | 318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8410% | 296 |
| Assets per employee ($millions) | 1.5684% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 1,920 |
| Loan loss allowance to noncurrent loans | 558.7413% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 4,690 |
| Noncurrent loans to loans | 0.3446% | 5,352 |
| Net loans and leases to total assets | 83.7001% | 264 |
| Net loans and leases to deposits | 106.0677% | 238 |
| Net loans and leases to core deposits | 106.0677% | 754 |
| Total domestic deposits to total assets | 78.9120% | 5,759 |
| Equity capital to assets | 12.1473% | 1,829 |
| Core capital (leverage) ratio | 12.0804% | 1,624 |
| Tier 1 risk-based capital ratio | 14.8443% | 3,847 |
| Total risk-based capital ratio | 16.1039% | 3,803 |
| Memoranda: | ||
| Average total assets | $51,935,750 | 6,033 |
| Average earning assets | $49,556,250 | 5,966 |
| Average equity | $5,796,750 | 5,932 |
| Average total loans | $38,272,000 | 5,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 2,439 |
| Cost of funding earning assets | 0.6279% | 2,702 |
| Net interest margin | 3.8072% | 2,531 |
| Noninterest income to average assets | 0.7730% | 2,310 |
| Noninterest expense to average assets | 5.0979% | 333 |
| Loan and lease loss provision to assets | -1.0746% | 6,919 |
| Net operating income to assets | 0.3846% | 5,268 |
| Return on assets (ROA) | 0.3846% | 5,435 |
| Pretax return on assets | 0.3846% | 5,671 |
| Return on Equity (ROE) | 3.5415% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.5415% | 4,067 |
| Net charge-offs to loans | -0.1989% | 6,662 |
| Credit loss provision to net charge-offs | 770.2703% | 391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6544% | 216 |
| Assets per employee ($millions) | 1.6417% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 1,681 |
| Loan loss allowance to noncurrent loans | 1,186.7647% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 4,169 |
| Noncurrent loans to loans | 0.1751% | 5,879 |
| Net loans and leases to total assets | 74.7190% | 1,142 |
| Net loans and leases to deposits | 93.3153% | 857 |
| Net loans and leases to core deposits | 93.3153% | 1,587 |
| Total domestic deposits to total assets | 80.0715% | 5,587 |
| Equity capital to assets | 11.5323% | 2,267 |
| Core capital (leverage) ratio | 11.4644% | 1,964 |
| Tier 1 risk-based capital ratio | 15.4548% | 3,505 |
| Total risk-based capital ratio | 16.7166% | 3,456 |
| Memoranda: | ||
| Average total assets | $53,041,000 | 6,051 |
| Average earning assets | $50,641,330 | 5,974 |
| Average equity | $5,760,330 | 5,984 |
| Average total loans | $37,198,000 | 5,532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,485 |
| Cost of funding earning assets | 0.6347% | 2,792 |
| Net interest margin | 3.5220% | 3,611 |
| Noninterest income to average assets | 0.8279% | 2,007 |
| Noninterest expense to average assets | 5.0928% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9018% | 6,785 |
| Return on assets (ROA) | -0.9018% | 6,799 |
| Pretax return on assets | -0.9018% | 6,780 |
| Return on Equity (ROE) | -8.5524% | 6,778 |
| Retained earnings to average equity (ytd only) | -8.5524% | 6,554 |
| Net charge-offs to loans | -0.2859% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5168% | 206 |
| Assets per employee ($millions) | 1.7917% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0022% | 656 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 3,105 |
| Noncurrent loans to loans | 1.1748% | 3,812 |
| Net loans and leases to total assets | 64.9786% | 2,542 |
| Net loans and leases to deposits | 79.5563% | 2,140 |
| Net loans and leases to core deposits | 79.5563% | 2,860 |
| Total domestic deposits to total assets | 81.6763% | 5,302 |
| Equity capital to assets | 10.5023% | 3,533 |
| Core capital (leverage) ratio | 10.4373% | 2,862 |
| Tier 1 risk-based capital ratio | 15.6838% | 3,437 |
| Total risk-based capital ratio | 16.9567% | 3,387 |
| Memoranda: | ||
| Average total assets | $54,115,500 | 6,072 |
| Average earning assets | $51,675,500 | 6,000 |
| Average equity | $5,706,000 | 6,045 |
| Average total loans | $36,380,500 | 5,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 1,053 |
| Cost of funding earning assets | 0.9249% | 1,788 |
| Net interest margin | 4.3090% | 1,387 |
| Noninterest income to average assets | 0.8925% | 1,886 |
| Noninterest expense to average assets | 5.4512% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4694% | 6,549 |
| Return on assets (ROA) | -0.4694% | 6,590 |
| Pretax return on assets | -0.4694% | 6,557 |
| Return on Equity (ROE) | -4.3456% | 6,569 |
| Retained earnings to average equity (ytd only) | -4.3456% | 6,386 |
| Net charge-offs to loans | -0.2329% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4214% | 341 |
| Assets per employee ($millions) | 1.7575% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 758 |
| Loan loss allowance to noncurrent loans | 233.4071% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 3,189 |
| Noncurrent loans to loans | 1.2298% | 3,791 |
| Net loans and leases to total assets | 65.5256% | 2,604 |
| Net loans and leases to deposits | 80.2387% | 2,248 |
| Net loans and leases to core deposits | 80.2387% | 2,972 |
| Total domestic deposits to total assets | 81.6633% | 5,206 |
| Equity capital to assets | 10.5853% | 3,419 |
| Core capital (leverage) ratio | 10.5213% | 2,738 |
| Tier 1 risk-based capital ratio | 15.6953% | 3,320 |
| Total risk-based capital ratio | 16.9667% | 3,267 |
| Memoranda: | ||
| Average total assets | $54,116,400 | 6,083 |
| Average earning assets | $51,358,200 | 5,998 |
| Average equity | $5,845,000 | 6,061 |
| Average total loans | $41,223,000 | 5,454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 845 |
| Cost of funding earning assets | 1.0046% | 1,526 |
| Net interest margin | 4.3907% | 1,217 |
| Noninterest income to average assets | 0.8934% | 1,853 |
| Noninterest expense to average assets | 5.6738% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.6170% | 6,745 |
| Return on assets (ROA) | -0.6170% | 6,769 |
| Pretax return on assets | -0.6170% | 6,747 |
| Return on Equity (ROE) | -5.6839% | 6,743 |
| Retained earnings to average equity (ytd only) | -5.6839% | 6,657 |
| Net charge-offs to loans | -0.1197% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2011% | 268 |
| Assets per employee ($millions) | 1.6975% | 7,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 1,565 |
| Loan loss allowance to noncurrent loans | 227.6256% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 1.8148% | 2,896 |
| Noncurrent loans to loans | 1.0006% | 4,450 |
| Net loans and leases to total assets | 81.2899% | 403 |
| Net loans and leases to deposits | 100.5784% | 413 |
| Net loans and leases to core deposits | 100.5784% | 1,082 |
| Total domestic deposits to total assets | 80.8224% | 5,418 |
| Equity capital to assets | 10.9665% | 3,311 |
| Core capital (leverage) ratio | 10.9004% | 2,487 |
| Tier 1 risk-based capital ratio | 13.5633% | 4,844 |
| Total risk-based capital ratio | 14.8269% | 4,797 |
| Memoranda: | ||
| Average total assets | $54,025,250 | 6,155 |
| Average earning assets | $51,227,750 | 6,080 |
| Average equity | $5,864,500 | 6,131 |
| Average total loans | $42,340,250 | 5,474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 984 |
| Cost of funding earning assets | 1.0921% | 1,247 |
| Net interest margin | 4.2406% | 1,637 |
| Noninterest income to average assets | 0.7854% | 2,263 |
| Noninterest expense to average assets | 6.0265% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.2222% | 6,963 |
| Return on assets (ROA) | -1.2222% | 6,977 |
| Pretax return on assets | -1.2222% | 6,948 |
| Return on Equity (ROE) | -11.2964% | 6,928 |
| Retained earnings to average equity (ytd only) | -11.2964% | 6,864 |
| Net charge-offs to loans | -0.2102% | 7,007 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4393% | 194 |
| Assets per employee ($millions) | 1.6970% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 1,504 |
| Loan loss allowance to noncurrent loans | 228.1818% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9712% | 2,815 |
| Noncurrent loans to loans | 1.0295% | 4,450 |
| Net loans and leases to total assets | 79.3301% | 582 |
| Net loans and leases to deposits | 99.1565% | 459 |
| Net loans and leases to core deposits | 99.1565% | 1,159 |
| Total domestic deposits to total assets | 80.0049% | 5,740 |
| Equity capital to assets | 10.8101% | 3,327 |
| Core capital (leverage) ratio | 10.7457% | 2,548 |
| Tier 1 risk-based capital ratio | 13.6664% | 4,699 |
| Total risk-based capital ratio | 14.9462% | 4,646 |
| Memoranda: | ||
| Average total assets | $54,492,330 | 6,174 |
| Average earning assets | $51,644,000 | 6,101 |
| Average equity | $5,895,670 | 6,144 |
| Average total loans | $41,862,000 | 5,520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 1,596 |
| Cost of funding earning assets | 0.8311% | 3,215 |
| Net interest margin | 4.2621% | 1,583 |
| Noninterest income to average assets | 0.6999% | 2,663 |
| Noninterest expense to average assets | 5.0149% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2814% | 6,694 |
| Return on assets (ROA) | -0.2814% | 6,734 |
| Pretax return on assets | -0.2814% | 6,718 |
| Return on Equity (ROE) | -2.6000% | 6,728 |
| Retained earnings to average equity (ytd only) | -2.6000% | 6,348 |
| Net charge-offs to loans | -0.3090% | 7,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9451% | 409 |
| Assets per employee ($millions) | 1.8179% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 1,415 |
| Loan loss allowance to noncurrent loans | 4,504.5455% | 120 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 3,561 |
| Noncurrent loans to loans | 0.0546% | 6,619 |
| Net loans and leases to total assets | 69.7431% | 1,800 |
| Net loans and leases to deposits | 85.6200% | 1,465 |
| Net loans and leases to core deposits | 85.6200% | 2,337 |
| Total domestic deposits to total assets | 81.4565% | 5,480 |
| Equity capital to assets | 10.6133% | 3,366 |
| Core capital (leverage) ratio | 10.2102% | 3,091 |
| Tier 1 risk-based capital ratio | 14.2879% | 4,250 |
| Total risk-based capital ratio | 15.5775% | 4,194 |
| Memoranda: | ||
| Average total assets | $55,434,500 | 6,192 |
| Average earning assets | $52,462,500 | 6,122 |
| Average equity | $6,000,000 | 6,148 |
| Average total loans | $41,424,000 | 5,573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1531% | 337 |
| Cost of funding earning assets | 1.1851% | 2,131 |
| Net interest margin | 4.9680% | 438 |
| Noninterest income to average assets | 0.9038% | 1,660 |
| Noninterest expense to average assets | 5.1823% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4009% | 4,860 |
| Return on assets (ROA) | 0.4009% | 5,032 |
| Pretax return on assets | 0.4118% | 5,258 |
| Return on Equity (ROE) | 3.7241% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.7241% | 3,561 |
| Net charge-offs to loans | -0.3627% | 7,259 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4430% | 1,018 |
| Assets per employee ($millions) | 1.8172% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2536% | 1,702 |
| Loan loss allowance to noncurrent loans | 15,983.3333% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 6,529 |
| Noncurrent loans to loans | 0.0141% | 6,806 |
| Net loans and leases to total assets | 76.3001% | 908 |
| Net loans and leases to deposits | 94.8013% | 754 |
| Net loans and leases to core deposits | 94.8013% | 1,613 |
| Total domestic deposits to total assets | 80.4843% | 5,597 |
| Equity capital to assets | 11.0410% | 2,943 |
| Core capital (leverage) ratio | 10.6246% | 2,593 |
| Tier 1 risk-based capital ratio | 14.0933% | 4,259 |
| Total risk-based capital ratio | 15.3449% | 4,211 |
| Memoranda: | ||
| Average total assets | $54,878,800 | 6,204 |
| Average earning assets | $51,811,400 | 6,127 |
| Average equity | $5,907,400 | 6,181 |
| Average total loans | $42,464,600 | 5,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3427% | 255 |
| Cost of funding earning assets | 1.2167% | 2,211 |
| Net interest margin | 5.1261% | 323 |
| Noninterest income to average assets | 0.8708% | 1,752 |
| Noninterest expense to average assets | 5.2391% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4609% | 4,721 |
| Return on assets (ROA) | 0.4609% | 4,911 |
| Pretax return on assets | 0.4754% | 5,242 |
| Return on Equity (ROE) | 4.3087% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.3087% | 3,664 |
| Net charge-offs to loans | -0.3833% | 7,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5110% | 1,070 |
| Assets per employee ($millions) | 1.7840% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,657 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,641 |
| Noncurrent loans to loans | 0.0122% | 6,923 |
| Net loans and leases to total assets | 87.1766% | 100 |
| Net loans and leases to deposits | 114.1298% | 128 |
| Net loans and leases to core deposits | 114.1298% | 549 |
| Total domestic deposits to total assets | 76.3837% | 6,477 |
| Equity capital to assets | 10.8327% | 3,317 |
| Core capital (leverage) ratio | 10.4212% | 2,968 |
| Tier 1 risk-based capital ratio | 12.5872% | 5,415 |
| Total risk-based capital ratio | 13.8356% | 5,399 |
| Memoranda: | ||
| Average total assets | $54,969,750 | 6,244 |
| Average earning assets | $51,942,500 | 6,178 |
| Average equity | $5,879,500 | 6,228 |
| Average total loans | $42,442,250 | 5,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6472% | 173 |
| Cost of funding earning assets | 1.2044% | 2,551 |
| Net interest margin | 5.4428% | 192 |
| Noninterest income to average assets | 0.8276% | 1,905 |
| Noninterest expense to average assets | 5.0859% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8604% | 2,818 |
| Return on assets (ROA) | 0.8604% | 2,910 |
| Pretax return on assets | 0.8823% | 3,699 |
| Return on Equity (ROE) | 8.0790% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.0790% | 1,438 |
| Net charge-offs to loans | -0.4924% | 7,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0947% | 1,693 |
| Assets per employee ($millions) | 1.6952% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 2,273 |
| Loan loss allowance to noncurrent loans | 4,104.5455% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 6,611 |
| Noncurrent loans to loans | 0.0496% | 6,860 |
| Net loans and leases to total assets | 80.1571% | 517 |
| Net loans and leases to deposits | 103.6396% | 331 |
| Net loans and leases to core deposits | 103.6396% | 1,065 |
| Total domestic deposits to total assets | 77.3421% | 6,405 |
| Equity capital to assets | 11.1252% | 2,839 |
| Core capital (leverage) ratio | 10.7071% | 2,514 |
| Tier 1 risk-based capital ratio | 13.6283% | 4,432 |
| Total risk-based capital ratio | 14.8778% | 4,416 |
| Memoranda: | ||
| Average total assets | $54,858,000 | 6,304 |
| Average earning assets | $51,811,670 | 6,226 |
| Average equity | $5,842,330 | 6,274 |
| Average total loans | $40,209,670 | 5,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 3,284 |
| Cost of funding earning assets | 1.1598% | 3,088 |
| Net interest margin | 3.8021% | 3,607 |
| Noninterest income to average assets | 0.8629% | 1,806 |
| Noninterest expense to average assets | 5.2571% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8049% | 6,964 |
| Return on assets (ROA) | -0.8049% | 6,972 |
| Pretax return on assets | -0.8049% | 6,922 |
| Return on Equity (ROE) | -7.7271% | 6,947 |
| Retained earnings to average equity (ytd only) | -7.7271% | 6,731 |
| Net charge-offs to loans | -0.8814% | 7,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9153% | 370 |
| Assets per employee ($millions) | 1.7633% | 7,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 1,709 |
| Loan loss allowance to noncurrent loans | 262.7219% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 5,364 |
| Noncurrent loans to loans | 0.8893% | 5,270 |
| Net loans and leases to total assets | 67.9033% | 2,569 |
| Net loans and leases to deposits | 82.9823% | 2,189 |
| Net loans and leases to core deposits | 82.9823% | 3,310 |
| Total domestic deposits to total assets | 81.8287% | 5,379 |
| Equity capital to assets | 10.4092% | 3,274 |
| Core capital (leverage) ratio | 9.9910% | 3,151 |
| Tier 1 risk-based capital ratio | 14.5566% | 3,701 |
| Total risk-based capital ratio | 15.8071% | 3,663 |
| Memoranda: | ||
| Average total assets | $55,164,000 | 6,340 |
| Average earning assets | $52,077,000 | 6,269 |
| Average equity | $5,746,000 | 6,325 |
| Average total loans | $38,122,000 | 5,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 2,454 |
| Cost of funding earning assets | 1.5086% | 2,586 |
| Net interest margin | 3.9475% | 3,267 |
| Noninterest income to average assets | 0.7735% | 2,411 |
| Noninterest expense to average assets | 4.9722% | 418 |
| Loan and lease loss provision to assets | 1.1533% | 1,376 |
| Net operating income to assets | -2.4367% | 7,163 |
| Return on assets (ROA) | -2.4367% | 7,175 |
| Pretax return on assets | -1.6354% | 6,907 |
| Return on Equity (ROE) | -22.5240% | 7,084 |
| Retained earnings to average equity (ytd only) | -22.5240% | 7,062 |
| Net charge-offs to loans | 2.0903% | 956 |
| Credit loss provision to net charge-offs | 78.4198% | 5,618 |
| Earnings coverage of net charge-offs (x) | -0.3278% | 6,378 |
| Efficiency ratio | 110.7377% | 523 |
| Assets per employee ($millions) | 1.6868% | 7,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 2,072 |
| Loan loss allowance to noncurrent loans | 226.1972% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,263 |
| Noncurrent loans to loans | 0.9284% | 5,191 |
| Net loans and leases to total assets | 67.2505% | 3,158 |
| Net loans and leases to deposits | 82.0493% | 2,789 |
| Net loans and leases to core deposits | 82.0493% | 3,904 |
| Total domestic deposits to total assets | 81.9635% | 5,202 |
| Equity capital to assets | 10.4231% | 3,250 |
| Core capital (leverage) ratio | 10.0125% | 3,077 |
| Tier 1 risk-based capital ratio | 14.5521% | 3,509 |
| Total risk-based capital ratio | 15.7980% | 3,472 |
| Memoranda: | ||
| Average total assets | $57,660,200 | 6,284 |
| Average earning assets | $54,287,400 | 6,203 |
| Average equity | $6,237,800 | 6,297 |
| Average total loans | $40,569,000 | 5,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 2,448 |
| Cost of funding earning assets | 1.5682% | 2,557 |
| Net interest margin | 3.9255% | 3,425 |
| Noninterest income to average assets | 0.7657% | 2,417 |
| Noninterest expense to average assets | 4.9518% | 397 |
| Loan and lease loss provision to assets | 1.5245% | 864 |
| Net operating income to assets | -3.0743% | 7,466 |
| Return on assets (ROA) | -3.0743% | 7,476 |
| Pretax return on assets | -2.0151% | 7,202 |
| Return on Equity (ROE) | -28.1713% | 7,358 |
| Retained earnings to average equity (ytd only) | -28.1713% | 7,349 |
| Net charge-offs to loans | 2.8253% | 573 |
| Credit loss provision to net charge-offs | 76.2615% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.2454% | 6,210 |
| Efficiency ratio | 110.9969% | 507 |
| Assets per employee ($millions) | 1.6635% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,474 |
| Loan loss allowance to noncurrent loans | 230.0885% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 5,381 |
| Noncurrent loans to loans | 0.8277% | 5,562 |
| Net loans and leases to total assets | 73.1825% | 1,980 |
| Net loans and leases to deposits | 89.6843% | 1,762 |
| Net loans and leases to core deposits | 89.6843% | 3,142 |
| Total domestic deposits to total assets | 81.6001% | 5,161 |
| Equity capital to assets | 10.6836% | 3,306 |
| Core capital (leverage) ratio | 10.2685% | 2,957 |
| Tier 1 risk-based capital ratio | 13.9800% | 3,855 |
| Total risk-based capital ratio | 15.2257% | 3,826 |
| Memoranda: | ||
| Average total assets | $58,159,000 | 6,346 |
| Average earning assets | $54,752,250 | 6,251 |
| Average equity | $6,346,750 | 6,336 |
| Average total loans | $41,151,750 | 5,959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 2,991 |
| Cost of funding earning assets | 1.6216% | 2,541 |
| Net interest margin | 3.7741% | 4,026 |
| Noninterest income to average assets | 0.7393% | 2,461 |
| Noninterest expense to average assets | 4.9184% | 404 |
| Loan and lease loss provision to assets | 2.2449% | 528 |
| Net operating income to assets | -4.4323% | 7,658 |
| Return on assets (ROA) | -4.4323% | 7,661 |
| Pretax return on assets | -2.8728% | 7,447 |
| Return on Equity (ROE) | -40.3545% | 7,536 |
| Retained earnings to average equity (ytd only) | -40.3545% | 7,529 |
| Net charge-offs to loans | 4.3525% | 275 |
| Credit loss provision to net charge-offs | 74.1360% | 4,853 |
| Earnings coverage of net charge-offs (x) | -0.2074% | 5,879 |
| Efficiency ratio | 114.6341% | 484 |
| Assets per employee ($millions) | 1.7289% | 7,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,590 |
| Loan loss allowance to noncurrent loans | 216.0458% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 5,014 |
| Noncurrent loans to loans | 0.8532% | 5,560 |
| Net loans and leases to total assets | 70.3767% | 2,821 |
| Net loans and leases to deposits | 85.5882% | 2,577 |
| Net loans and leases to core deposits | 85.5882% | 3,892 |
| Total domestic deposits to total assets | 82.2271% | 4,896 |
| Equity capital to assets | 10.3290% | 3,615 |
| Core capital (leverage) ratio | 9.9280% | 3,247 |
| Tier 1 risk-based capital ratio | 14.0389% | 3,700 |
| Total risk-based capital ratio | 15.2837% | 3,676 |
| Memoranda: | ||
| Average total assets | $59,246,330 | 6,339 |
| Average earning assets | $55,748,670 | 6,252 |
| Average equity | $6,507,330 | 6,294 |
| Average total loans | $41,217,330 | 6,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 3,399 |
| Cost of funding earning assets | 1.6516% | 2,642 |
| Net interest margin | 3.6773% | 4,361 |
| Noninterest income to average assets | 0.7159% | 2,496 |
| Noninterest expense to average assets | 4.9451% | 383 |
| Loan and lease loss provision to assets | 4.4081% | 186 |
| Net operating income to assets | -5.1837% | 7,792 |
| Return on assets (ROA) | -5.1837% | 7,797 |
| Pretax return on assets | -5.1837% | 7,774 |
| Return on Equity (ROE) | -45.9021% | 7,694 |
| Retained earnings to average equity (ytd only) | -45.9021% | 7,684 |
| Net charge-offs to loans | 5.3852% | 214 |
| Credit loss provision to net charge-offs | 119.3896% | 2,918 |
| Earnings coverage of net charge-offs (x) | -0.2101% | 5,166 |
| Efficiency ratio | 118.6010% | 458 |
| Assets per employee ($millions) | 1.8535% | 7,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7405% | 1,046 |
| Loan loss allowance to noncurrent loans | 100.9225% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8276% | 3,739 |
| Noncurrent loans to loans | 2.7155% | 2,945 |
| Net loans and leases to total assets | 65.4578% | 4,003 |
| Net loans and leases to deposits | 79.8326% | 3,690 |
| Net loans and leases to core deposits | 79.8326% | 4,782 |
| Total domestic deposits to total assets | 81.9938% | 5,073 |
| Equity capital to assets | 10.8307% | 2,926 |
| Core capital (leverage) ratio | 10.1704% | 2,959 |
| Tier 1 risk-based capital ratio | 14.3797% | 3,449 |
| Total risk-based capital ratio | 15.6333% | 3,409 |
| Memoranda: | ||
| Average total assets | $60,343,000 | 6,362 |
| Average earning assets | $56,672,500 | 6,291 |
| Average equity | $6,814,500 | 6,251 |
| Average total loans | $41,373,000 | 6,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 3,562 |
| Cost of funding earning assets | 2.1531% | 2,226 |
| Net interest margin | 3.4551% | 5,151 |
| Noninterest income to average assets | 0.8975% | 1,950 |
| Noninterest expense to average assets | 4.7631% | 625 |
| Loan and lease loss provision to assets | 0.2089% | 5,671 |
| Net operating income to assets | -1.4927% | 6,851 |
| Return on assets (ROA) | -1.4927% | 6,866 |
| Pretax return on assets | -0.8485% | 6,304 |
| Return on Equity (ROE) | -12.4010% | 6,792 |
| Retained earnings to average equity (ytd only) | -12.4010% | 6,711 |
| Net charge-offs to loans | 0.6228% | 3,343 |
| Credit loss provision to net charge-offs | 46.8085% | 6,783 |
| Earnings coverage of net charge-offs (x) | -1.4326% | 6,950 |
| Efficiency ratio | 114.6641% | 692 |
| Assets per employee ($millions) | 1.8051% | 7,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 1,479 |
| Loan loss allowance to noncurrent loans | 55.8640% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.8759% | 2,437 |
| Noncurrent loans to loans | 4.1212% | 1,785 |
| Net loans and leases to total assets | 68.1749% | 3,665 |
| Net loans and leases to deposits | 83.8917% | 3,295 |
| Net loans and leases to core deposits | 93.4243% | 4,735 |
| Total domestic deposits to total assets | 81.2654% | 5,246 |
| Equity capital to assets | 11.7397% | 2,171 |
| Core capital (leverage) ratio | 11.2887% | 2,052 |
| Tier 1 risk-based capital ratio | 15.5304% | 2,705 |
| Total risk-based capital ratio | 16.7808% | 2,650 |
| Memoranda: | ||
| Average total assets | $63,173,400 | 6,233 |
| Average earning assets | $58,985,000 | 6,163 |
| Average equity | $7,604,200 | 6,051 |
| Average total loans | $45,281,600 | 5,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 3,905 |
| Cost of funding earning assets | 2.2515% | 2,179 |
| Net interest margin | 3.3414% | 5,483 |
| Noninterest income to average assets | 0.9409% | 1,811 |
| Noninterest expense to average assets | 4.7864% | 572 |
| Loan and lease loss provision to assets | 0.2766% | 4,765 |
| Net operating income to assets | -1.8588% | 7,259 |
| Return on assets (ROA) | -1.8588% | 7,258 |
| Pretax return on assets | -1.0059% | 6,690 |
| Return on Equity (ROE) | -15.3510% | 7,208 |
| Retained earnings to average equity (ytd only) | -15.3510% | 7,156 |
| Net charge-offs to loans | 0.5055% | 3,199 |
| Credit loss provision to net charge-offs | 75.8621% | 5,869 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 6,744 |
| Efficiency ratio | 116.8388% | 641 |
| Assets per employee ($millions) | 1.8265% | 7,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 1,268 |
| Loan loss allowance to noncurrent loans | 58.4714% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 3.0129% | 2,302 |
| Noncurrent loans to loans | 3.9746% | 1,849 |
| Net loans and leases to total assets | 74.0419% | 2,506 |
| Net loans and leases to deposits | 94.3605% | 1,819 |
| Net loans and leases to core deposits | 106.4056% | 3,657 |
| Total domestic deposits to total assets | 78.4670% | 5,959 |
| Equity capital to assets | 11.6924% | 2,441 |
| Core capital (leverage) ratio | 11.2451% | 2,226 |
| Tier 1 risk-based capital ratio | 14.4789% | 3,291 |
| Total risk-based capital ratio | 15.7313% | 3,235 |
| Memoranda: | ||
| Average total assets | $63,623,500 | 6,261 |
| Average earning assets | $59,335,750 | 6,195 |
| Average equity | $7,704,000 | 6,084 |
| Average total loans | $45,895,250 | 5,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 4,408 |
| Cost of funding earning assets | 2.3391% | 2,205 |
| Net interest margin | 3.1971% | 5,925 |
| Noninterest income to average assets | 0.9605% | 1,726 |
| Noninterest expense to average assets | 4.8026% | 593 |
| Loan and lease loss provision to assets | 0.4054% | 3,495 |
| Net operating income to assets | -2.5417% | 7,568 |
| Return on assets (ROA) | -2.5417% | 7,558 |
| Pretax return on assets | -1.2724% | 6,977 |
| Return on Equity (ROE) | -20.7599% | 7,520 |
| Retained earnings to average equity (ytd only) | -20.7599% | 7,474 |
| Net charge-offs to loans | 0.8351% | 2,021 |
| Credit loss provision to net charge-offs | 68.4211% | 5,447 |
| Earnings coverage of net charge-offs (x) | -1.4632% | 6,308 |
| Efficiency ratio | 120.2853% | 663 |
| Assets per employee ($millions) | 1.7752% | 7,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3525% | 1,039 |
| Loan loss allowance to noncurrent loans | 47.6950% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 3.6310% | 1,703 |
| Noncurrent loans to loans | 4.9323% | 1,252 |
| Net loans and leases to total assets | 71.8841% | 3,251 |
| Net loans and leases to deposits | 88.5064% | 3,088 |
| Net loans and leases to core deposits | 100.2717% | 4,484 |
| Total domestic deposits to total assets | 81.2190% | 4,988 |
| Equity capital to assets | 11.8023% | 2,324 |
| Core capital (leverage) ratio | 11.2840% | 2,209 |
| Tier 1 risk-based capital ratio | 14.4124% | 3,298 |
| Total risk-based capital ratio | 15.6634% | 3,233 |
| Memoranda: | ||
| Average total assets | $64,131,330 | 6,296 |
| Average earning assets | $59,680,000 | 6,241 |
| Average equity | $7,851,670 | 6,071 |
| Average total loans | $45,502,330 | 5,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4980% | 4,923 |
| Cost of funding earning assets | 2.4112% | 2,248 |
| Net interest margin | 3.0868% | 6,232 |
| Noninterest income to average assets | 0.9089% | 1,815 |
| Noninterest expense to average assets | 4.7105% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4483% | 6,826 |
| Return on assets (ROA) | -0.4483% | 6,891 |
| Pretax return on assets | -0.9396% | 7,123 |
| Return on Equity (ROE) | -3.6000% | 6,847 |
| Retained earnings to average equity (ytd only) | -3.6000% | 6,372 |
| Net charge-offs to loans | 0.1322% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -10.2000% | 5,621 |
| Efficiency ratio | 123.1270% | 591 |
| Assets per employee ($millions) | 1.8982% | 7,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4864% | 778 |
| Loan loss allowance to noncurrent loans | 38.7353% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 4.4840% | 1,078 |
| Noncurrent loans to loans | 6.4188% | 701 |
| Net loans and leases to total assets | 68.1205% | 4,107 |
| Net loans and leases to deposits | 84.3518% | 3,921 |
| Net loans and leases to core deposits | 96.2920% | 4,929 |
| Total domestic deposits to total assets | 80.7577% | 5,065 |
| Equity capital to assets | 12.5116% | 1,963 |
| Core capital (leverage) ratio | 11.3927% | 2,209 |
| Tier 1 risk-based capital ratio | 14.7747% | 3,170 |
| Total risk-based capital ratio | 16.0263% | 3,100 |
| Memoranda: | ||
| Average total assets | $65,131,000 | 6,284 |
| Average earning assets | $60,385,500 | 6,243 |
| Average equity | $8,111,000 | 6,016 |
| Average total loans | $45,384,000 | 5,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4926% | 2,992 |
| Cost of funding earning assets | 2.8919% | 2,298 |
| Net interest margin | 3.6007% | 4,880 |
| Noninterest income to average assets | 0.9179% | 1,893 |
| Noninterest expense to average assets | 4.3728% | 974 |
| Loan and lease loss provision to assets | 5.1526% | 100 |
| Net operating income to assets | -3.2663% | 7,880 |
| Return on assets (ROA) | -3.2663% | 7,861 |
| Pretax return on assets | -5.2269% | 8,046 |
| Return on Equity (ROE) | -23.5429% | 7,837 |
| Retained earnings to average equity (ytd only) | -23.5429% | 7,775 |
| Net charge-offs to loans | 5.8520% | 64 |
| Credit loss provision to net charge-offs | 118.0735% | 4,557 |
| Earnings coverage of net charge-offs (x) | -0.0170% | 6,253 |
| Efficiency ratio | 100.2073% | 976 |
| Assets per employee ($millions) | 1.8778% | 8,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4868% | 690 |
| Loan loss allowance to noncurrent loans | 48.0338% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 3.5985% | 1,224 |
| Noncurrent loans to loans | 5.1771% | 826 |
| Net loans and leases to total assets | 67.7794% | 4,494 |
| Net loans and leases to deposits | 83.6938% | 4,467 |
| Net loans and leases to core deposits | 95.2998% | 5,314 |
| Total domestic deposits to total assets | 80.9851% | 4,643 |
| Equity capital to assets | 12.3962% | 2,067 |
| Core capital (leverage) ratio | 10.9601% | 2,622 |
| Tier 1 risk-based capital ratio | 14.0727% | 3,517 |
| Total risk-based capital ratio | 15.3257% | 3,431 |
| Memoranda: | ||
| Average total assets | $67,324,800 | 6,110 |
| Average earning assets | $63,210,600 | 6,044 |
| Average equity | $9,340,400 | 5,623 |
| Average total loans | $50,204,800 | 5,696 |