Home > Hometown National Bank > Performance and Condition Ratios
Hometown National Bank, Performance and Condition Ratios
| 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 | 4.1272% | 2,822 |
| Cost of funding earning assets | 0.3940% | 3,282 |
| Net interest margin | 3.7331% | 2,637 |
| Noninterest income to average assets | -1.8020% | 6,266 |
| Noninterest expense to average assets | 14.1979% | 54 |
| Loan and lease loss provision to assets | -1.6435% | 6,268 |
| Net operating income to assets | -10.7920% | 6,268 |
| Return on assets (ROA) | -10.7920% | 6,269 |
| Pretax return on assets | -10.7920% | 6,269 |
| Return on Equity (ROE) | -238.2459% | 6,270 |
| Retained earnings to average equity (ytd only) | -238.2459% | 6,270 |
| Net charge-offs to loans | 10.5722% | 1 |
| Credit loss provision to net charge-offs | -28.4247% | 4,912 |
| Earnings coverage of net charge-offs (x) | -2.1507% | 4,082 |
| Efficiency ratio | 805.6180% | 4 |
| Assets per employee ($millions) | 0.7570% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7966% | 1,194 |
| Noncurrent loans to loans | 2.8404% | 649 |
| Net loans and leases to total assets | 63.2497% | 3,412 |
| Net loans and leases to deposits | 64.6154% | 4,505 |
| Net loans and leases to core deposits | 64.6154% | 4,786 |
| Total domestic deposits to total assets | 97.8864% | 1 |
| Equity capital to assets | 2.1136% | 6,266 |
| Core capital (leverage) ratio | 1.8370% | 6,268 |
| Tier 1 risk-based capital ratio | 3.3798% | 6,263 |
| Total risk-based capital ratio | 3.3798% | 6,268 |
| Memoranda: | ||
| Average total assets | $6,733,250 | 6,270 |
| Average earning assets | $6,428,750 | 6,257 |
| Average equity | $305,000 | 6,270 |
| Average total loans | $3,682,500 | 6,216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,653 |
| Cost of funding earning assets | 0.3799% | 3,492 |
| Net interest margin | 3.5277% | 3,383 |
| Noninterest income to average assets | -2.4365% | 6,344 |
| Noninterest expense to average assets | 16.7703% | 49 |
| Loan and lease loss provision to assets | -2.1514% | 6,343 |
| Net operating income to assets | -13.6858% | 6,347 |
| Return on assets (ROA) | -13.6858% | 6,347 |
| Pretax return on assets | -13.6858% | 6,347 |
| Return on Equity (ROE) | -277.8947% | 6,346 |
| Retained earnings to average equity (ytd only) | -277.8947% | 6,346 |
| Net charge-offs to loans | 14.2023% | 1 |
| Credit loss provision to net charge-offs | -28.4247% | 4,755 |
| Earnings coverage of net charge-offs (x) | -2.0925% | 3,789 |
| Efficiency ratio | 1,797.2222% | 1 |
| Assets per employee ($millions) | 0.9854% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 4,143 |
| Noncurrent loans to loans | 0.7465% | 3,246 |
| Net loans and leases to total assets | 59.8133% | 3,862 |
| Net loans and leases to deposits | 62.4894% | 4,664 |
| Net loans and leases to core deposits | 62.4894% | 4,904 |
| Total domestic deposits to total assets | 95.7175% | 9 |
| Equity capital to assets | 1.9687% | 6,342 |
| Core capital (leverage) ratio | 1.6424% | 6,343 |
| Tier 1 risk-based capital ratio | 3.4730% | 6,341 |
| Total risk-based capital ratio | 3.4730% | 6,346 |
| Memoranda: | ||
| Average total assets | $7,716,000 | 6,344 |
| Average earning assets | $7,370,330 | 6,331 |
| Average equity | $380,000 | 6,348 |
| Average total loans | $4,112,000 | 6,286 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,243 |
| Cost of funding earning assets | 0.4133% | 3,154 |
| Net interest margin | 3.5823% | 3,071 |
| Noninterest income to average assets | -1.7123% | 6,412 |
| Noninterest expense to average assets | 14.4449% | 51 |
| Loan and lease loss provision to assets | -3.6441% | 6,417 |
| Net operating income to assets | -9.0884% | 6,415 |
| Return on assets (ROA) | -9.0884% | 6,415 |
| Pretax return on assets | -9.0884% | 6,414 |
| Return on Equity (ROE) | -158.7728% | 6,412 |
| Retained earnings to average equity (ytd only) | -158.7728% | 6,412 |
| Net charge-offs to loans | -0.6816% | 6,284 |
| Credit loss provision to net charge-offs | 1,037.5000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 843.5897% | 2 |
| Assets per employee ($millions) | 1.1852% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8390% | 14 |
| Loan loss allowance to noncurrent loans | 545.4545% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 3,176 |
| Noncurrent loans to loans | 1.4372% | 1,985 |
| Net loans and leases to total assets | 49.5992% | 4,893 |
| Net loans and leases to deposits | 53.0296% | 5,263 |
| Net loans and leases to core deposits | 53.0296% | 5,424 |
| Total domestic deposits to total assets | 93.5311% | 42 |
| Equity capital to assets | 5.8782% | 6,340 |
| Core capital (leverage) ratio | 4.3379% | 6,386 |
| Tier 1 risk-based capital ratio | 13.0178% | 4,594 |
| Total risk-based capital ratio | 14.3569% | 4,467 |
| Memoranda: | ||
| Average total assets | $9,110,500 | 6,410 |
| Average earning assets | $8,709,500 | 6,392 |
| Average equity | $521,500 | 6,418 |
| Average total loans | $4,694,500 | 6,350 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 1,554 |
| Cost of funding earning assets | 0.4812% | 2,869 |
| Net interest margin | 4.1199% | 1,515 |
| Noninterest income to average assets | -1.5024% | 6,507 |
| Noninterest expense to average assets | 11.0787% | 64 |
| Loan and lease loss provision to assets | -0.8602% | 6,483 |
| Net operating income to assets | -7.7930% | 6,505 |
| Return on assets (ROA) | -6.4053% | 6,501 |
| Pretax return on assets | -6.4053% | 6,502 |
| Return on Equity (ROE) | -79.1076% | 6,498 |
| Retained earnings to average equity (ytd only) | -79.1076% | 6,498 |
| Net charge-offs to loans | 1.3236% | 196 |
| Credit loss provision to net charge-offs | -107.9137% | 5,532 |
| Earnings coverage of net charge-offs (x) | -10.8561% | 4,917 |
| Efficiency ratio | 456.7376% | 4 |
| Assets per employee ($millions) | 1.8517% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7422% | 24 |
| Loan loss allowance to noncurrent loans | 102.1798% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 3.3033% | 579 |
| Noncurrent loans to loans | 6.5983% | 158 |
| Net loans and leases to total assets | 46.6877% | 5,269 |
| Net loans and leases to deposits | 50.1305% | 5,573 |
| Net loans and leases to core deposits | 50.1305% | 5,709 |
| Total domestic deposits to total assets | 93.1323% | 62 |
| Equity capital to assets | 5.6256% | 6,434 |
| Core capital (leverage) ratio | 4.9501% | 6,455 |
| Tier 1 risk-based capital ratio | 14.0734% | 4,042 |
| Total risk-based capital ratio | 15.4019% | 3,924 |
| Memoranda: | ||
| Average total assets | $17,438,800 | 6,439 |
| Average earning assets | $16,626,800 | 6,415 |
| Average equity | $1,412,000 | 6,470 |
| Average total loans | $10,501,400 | 6,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 1,412 |
| Cost of funding earning assets | 0.5004% | 2,757 |
| Net interest margin | 4.1580% | 1,404 |
| Noninterest income to average assets | 0.7571% | 2,064 |
| Noninterest expense to average assets | 10.7177% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -6.0002% | 6,582 |
| Return on assets (ROA) | -4.3039% | 6,574 |
| Pretax return on assets | -4.3039% | 6,574 |
| Return on Equity (ROE) | -50.8873% | 6,567 |
| Retained earnings to average equity (ytd only) | -50.8873% | 6,565 |
| Net charge-offs to loans | 1.6360% | 135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -5.9443% | 4,614 |
| Efficiency ratio | 227.1917% | 17 |
| Assets per employee ($millions) | 2.0429% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3077% | 64 |
| Loan loss allowance to noncurrent loans | 60.3009% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 6.0420% | 232 |
| Noncurrent loans to loans | 8.8020% | 98 |
| Net loans and leases to total assets | 65.0000% | 3,027 |
| Net loans and leases to deposits | 70.8029% | 3,820 |
| Net loans and leases to core deposits | 70.8029% | 4,260 |
| Total domestic deposits to total assets | 91.8042% | 180 |
| Equity capital to assets | 7.8881% | 6,184 |
| Core capital (leverage) ratio | 6.5620% | 6,431 |
| Tier 1 risk-based capital ratio | 13.2239% | 4,715 |
| Total risk-based capital ratio | 14.5369% | 4,615 |
| Memoranda: | ||
| Average total assets | $19,021,000 | 6,505 |
| Average earning assets | $18,117,250 | 6,473 |
| Average equity | $1,608,750 | 6,526 |
| Average total loans | $11,736,250 | 6,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 954 |
| Cost of funding earning assets | 0.5017% | 2,817 |
| Net interest margin | 4.3719% | 897 |
| Noninterest income to average assets | 2.3113% | 273 |
| Noninterest expense to average assets | 10.7406% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -4.2827% | 6,643 |
| Return on assets (ROA) | -1.9325% | 6,591 |
| Pretax return on assets | -1.9325% | 6,582 |
| Return on Equity (ROE) | -22.4986% | 6,588 |
| Retained earnings to average equity (ytd only) | -22.4986% | 6,551 |
| Net charge-offs to loans | -0.5171% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.3158% | 41 |
| Assets per employee ($millions) | 1.8257% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0728% | 49 |
| Loan loss allowance to noncurrent loans | 69.8795% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 7.4163% | 159 |
| Noncurrent loans to loans | 8.6903% | 106 |
| Net loans and leases to total assets | 58.9637% | 3,868 |
| Net loans and leases to deposits | 64.5848% | 4,432 |
| Net loans and leases to core deposits | 64.5848% | 4,762 |
| Total domestic deposits to total assets | 91.2965% | 312 |
| Equity capital to assets | 8.4516% | 5,837 |
| Core capital (leverage) ratio | 8.1831% | 5,948 |
| Tier 1 risk-based capital ratio | 14.4219% | 3,980 |
| Total risk-based capital ratio | 15.7398% | 3,879 |
| Memoranda: | ||
| Average total assets | $20,594,670 | 6,542 |
| Average earning assets | $19,534,000 | 6,514 |
| Average equity | $1,769,000 | 6,569 |
| Average total loans | $12,376,330 | 6,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 161 |
| Cost of funding earning assets | 0.5039% | 2,865 |
| Net interest margin | 5.4070% | 144 |
| Noninterest income to average assets | 3.6391% | 155 |
| Noninterest expense to average assets | 11.1747% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.4077% | 6,673 |
| Return on assets (ROA) | -2.4077% | 6,672 |
| Pretax return on assets | -2.4077% | 6,664 |
| Return on Equity (ROE) | -27.8427% | 6,659 |
| Retained earnings to average equity (ytd only) | -27.8427% | 6,609 |
| Net charge-offs to loans | -0.9974% | 6,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.4633% | 134 |
| Assets per employee ($millions) | 1.4305% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0967% | 45 |
| Loan loss allowance to noncurrent loans | 313.5135% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 3.0665% | 923 |
| Noncurrent loans to loans | 1.9446% | 1,937 |
| Net loans and leases to total assets | 49.9581% | 4,916 |
| Net loans and leases to deposits | 54.9856% | 5,199 |
| Net loans and leases to core deposits | 54.9856% | 5,436 |
| Total domestic deposits to total assets | 90.8566% | 623 |
| Equity capital to assets | 8.5423% | 5,612 |
| Core capital (leverage) ratio | 7.4658% | 6,349 |
| Tier 1 risk-based capital ratio | 14.7503% | 3,853 |
| Total risk-based capital ratio | 16.9766% | 3,279 |
| Memoranda: | ||
| Average total assets | $21,763,500 | 6,600 |
| Average earning assets | $20,640,000 | 6,568 |
| Average equity | $1,882,000 | 6,618 |
| Average total loans | $12,834,000 | 6,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 5,824 |
| Cost of funding earning assets | 0.4757% | 3,856 |
| Net interest margin | 2.9320% | 5,726 |
| Noninterest income to average assets | 1.2270% | 926 |
| Noninterest expense to average assets | 18.8956% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -14.9404% | 6,811 |
| Return on assets (ROA) | -14.9404% | 6,811 |
| Pretax return on assets | -14.9404% | 6,811 |
| Return on Equity (ROE) | -95.1578% | 6,801 |
| Retained earnings to average equity (ytd only) | -95.1578% | 6,801 |
| Net charge-offs to loans | 0.4631% | 1,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -69.0000% | 5,462 |
| Efficiency ratio | 477.7372% | 6 |
| Assets per employee ($millions) | 1.4713% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6590% | 115 |
| Loan loss allowance to noncurrent loans | 231.3589% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 3.2761% | 921 |
| Noncurrent loans to loans | 2.0138% | 1,977 |
| Net loans and leases to total assets | 61.5705% | 3,430 |
| Net loans and leases to deposits | 67.9604% | 4,060 |
| Net loans and leases to core deposits | 67.9604% | 4,519 |
| Total domestic deposits to total assets | 90.5977% | 749 |
| Equity capital to assets | 8.7498% | 5,307 |
| Core capital (leverage) ratio | 8.2092% | 5,962 |
| Tier 1 risk-based capital ratio | 16.8913% | 2,663 |
| Total risk-based capital ratio | 19.0148% | 2,290 |
| Memoranda: | ||
| Average total assets | $20,782,600 | 6,691 |
| Average earning assets | $19,338,200 | 6,670 |
| Average equity | $3,263,000 | 6,483 |
| Average total loans | $9,716,200 | 6,605 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 6,095 |
| Cost of funding earning assets | 0.4642% | 4,124 |
| Net interest margin | 2.8134% | 5,992 |
| Noninterest income to average assets | 1.3684% | 774 |
| Noninterest expense to average assets | 20.9825% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -17.0075% | 6,890 |
| Return on assets (ROA) | -17.0075% | 6,890 |
| Pretax return on assets | -17.0075% | 6,890 |
| Return on Equity (ROE) | -96.7717% | 6,884 |
| Retained earnings to average equity (ytd only) | -96.7717% | 6,884 |
| Net charge-offs to loans | 0.6991% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -57.9985% | 5,197 |
| Efficiency ratio | 527.8689% | 6 |
| Assets per employee ($millions) | 1.1753% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4935% | 15 |
| Loan loss allowance to noncurrent loans | 151.7162% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 5.5542% | 469 |
| Noncurrent loans to loans | 5.5983% | 480 |
| Net loans and leases to total assets | 33.7651% | 6,369 |
| Net loans and leases to deposits | 38.1387% | 6,439 |
| Net loans and leases to core deposits | 38.1387% | 6,495 |
| Total domestic deposits to total assets | 88.5323% | 1,824 |
| Equity capital to assets | 11.2881% | 2,482 |
| Core capital (leverage) ratio | 10.2428% | 3,339 |
| Tier 1 risk-based capital ratio | 23.7594% | 1,039 |
| Total risk-based capital ratio | 25.0983% | 1,007 |
| Memoranda: | ||
| Average total assets | $20,461,000 | 6,767 |
| Average earning assets | $18,956,500 | 6,747 |
| Average equity | $3,596,000 | 6,496 |
| Average total loans | $8,582,250 | 6,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 6,060 |
| Cost of funding earning assets | 0.4496% | 4,435 |
| Net interest margin | 2.8689% | 5,852 |
| Noninterest income to average assets | 1.7598% | 539 |
| Noninterest expense to average assets | 23.2035% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -18.7942% | 6,940 |
| Return on assets (ROA) | -18.7942% | 6,940 |
| Pretax return on assets | -18.7942% | 6,940 |
| Return on Equity (ROE) | -95.0816% | 6,930 |
| Retained earnings to average equity (ytd only) | -95.0816% | 6,927 |
| Net charge-offs to loans | 0.5882% | 1,124 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -73.1154% | 4,900 |
| Efficiency ratio | 526.2332% | 4 |
| Assets per employee ($millions) | 0.7910% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1609% | 24 |
| Loan loss allowance to noncurrent loans | 73.0193% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 8.0820% | 247 |
| Noncurrent loans to loans | 9.8068% | 166 |
| Net loans and leases to total assets | 41.4029% | 5,942 |
| Net loans and leases to deposits | 48.5557% | 5,944 |
| Net loans and leases to core deposits | 48.5557% | 6,103 |
| Total domestic deposits to total assets | 85.2688% | 3,756 |
| Equity capital to assets | 14.4175% | 840 |
| Core capital (leverage) ratio | 13.5210% | 969 |
| Tier 1 risk-based capital ratio | 33.5804% | 387 |
| Total risk-based capital ratio | 34.9715% | 374 |
| Memoranda: | ||
| Average total assets | $20,229,670 | 6,820 |
| Average earning assets | $18,683,330 | 6,797 |
| Average equity | $3,998,670 | 6,450 |
| Average total loans | $8,841,000 | 6,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 5,180 |
| Cost of funding earning assets | 0.3763% | 5,317 |
| Net interest margin | 3.3203% | 4,440 |
| Noninterest income to average assets | -0.0203% | 6,884 |
| Noninterest expense to average assets | 19.2408% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -16.2103% | 7,016 |
| Return on assets (ROA) | -16.2103% | 7,016 |
| Pretax return on assets | -16.2103% | 7,016 |
| Return on Equity (ROE) | -71.5039% | 6,987 |
| Retained earnings to average equity (ytd only) | -71.5039% | 6,984 |
| Net charge-offs to loans | -0.1412% | 6,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 634.8993% | 8 |
| Assets per employee ($millions) | 0.6036% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4124% | 34 |
| Loan loss allowance to noncurrent loans | 54.9035% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 10.6741% | 167 |
| Noncurrent loans to loans | 13.5008% | 104 |
| Net loans and leases to total assets | 42.0382% | 5,838 |
| Net loans and leases to deposits | 52.4696% | 5,579 |
| Net loans and leases to core deposits | 52.4696% | 5,788 |
| Total domestic deposits to total assets | 80.1193% | 5,728 |
| Equity capital to assets | 19.2180% | 250 |
| Core capital (leverage) ratio | 22.0895% | 130 |
| Tier 1 risk-based capital ratio | 53.3377% | 119 |
| Total risk-based capital ratio | 54.6939% | 118 |
| Memoranda: | ||
| Average total assets | $19,666,500 | 6,906 |
| Average earning assets | $18,070,500 | 6,880 |
| Average equity | $4,458,500 | 6,401 |
| Average total loans | $8,499,500 | 6,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 1,558 |
| Cost of funding earning assets | 0.5668% | 4,674 |
| Net interest margin | 4.4345% | 1,079 |
| Noninterest income to average assets | 0.0984% | 6,513 |
| Noninterest expense to average assets | 8.7613% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -4.5427% | 7,047 |
| Return on assets (ROA) | -4.5427% | 7,048 |
| Pretax return on assets | -4.5427% | 7,051 |
| Return on Equity (ROE) | -44.1905% | 7,010 |
| Retained earnings to average equity (ytd only) | -44.1905% | 7,004 |
| Net charge-offs to loans | 3.6193% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.5738% | 5,854 |
| Efficiency ratio | 207.6818% | 35 |
| Assets per employee ($millions) | 2.2759% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5585% | 17 |
| Loan loss allowance to noncurrent loans | 83.0012% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 10.5124% | 198 |
| Noncurrent loans to loans | 11.5161% | 164 |
| Net loans and leases to total assets | 36.7935% | 6,384 |
| Net loans and leases to deposits | 50.5318% | 5,919 |
| Net loans and leases to core deposits | 50.5318% | 6,120 |
| Total domestic deposits to total assets | 72.8127% | 6,638 |
| Equity capital to assets | 26.6766% | 81 |
| Core capital (leverage) ratio | 28.6432% | 66 |
| Tier 1 risk-based capital ratio | 73.1512% | 71 |
| Total risk-based capital ratio | 74.5246% | 70 |
| Memoranda: | ||
| Average total assets | $17,280,600 | 6,998 |
| Average earning assets | $16,055,800 | 6,978 |
| Average equity | $1,776,400 | 6,986 |
| Average total loans | $8,427,000 | 6,902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 1,993 |
| Cost of funding earning assets | 0.6278% | 4,384 |
| Net interest margin | 4.2772% | 1,539 |
| Noninterest income to average assets | 0.0313% | 6,863 |
| Noninterest expense to average assets | 8.0785% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -4.0510% | 7,141 |
| Return on assets (ROA) | -4.0510% | 7,144 |
| Pretax return on assets | -4.0510% | 7,142 |
| Return on Equity (ROE) | -68.6360% | 7,145 |
| Retained earnings to average equity (ytd only) | -68.6360% | 7,141 |
| Net charge-offs to loans | 4.6532% | 54 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.7096% | 5,630 |
| Efficiency ratio | 200.5825% | 36 |
| Assets per employee ($millions) | 2.0098% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8968% | 15 |
| Loan loss allowance to noncurrent loans | 154.6841% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 9.0559% | 300 |
| Noncurrent loans to loans | 6.3981% | 602 |
| Net loans and leases to total assets | 40.2040% | 6,263 |
| Net loans and leases to deposits | 48.2857% | 6,245 |
| Net loans and leases to core deposits | 48.2857% | 6,397 |
| Total domestic deposits to total assets | 83.2628% | 4,537 |
| Equity capital to assets | 16.3267% | 554 |
| Core capital (leverage) ratio | 19.0845% | 247 |
| Tier 1 risk-based capital ratio | 37.7418% | 294 |
| Total risk-based capital ratio | 39.1135% | 282 |
| Memoranda: | ||
| Average total assets | $17,049,000 | 7,096 |
| Average earning assets | $15,929,000 | 7,074 |
| Average equity | $1,006,250 | 7,160 |
| Average total loans | $8,682,000 | 6,990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 1,411 |
| Cost of funding earning assets | 0.6602% | 4,361 |
| Net interest margin | 4.4744% | 1,039 |
| Noninterest income to average assets | -0.1036% | 7,095 |
| Noninterest expense to average assets | 7.6672% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -3.5573% | 7,176 |
| Return on assets (ROA) | -3.5573% | 7,178 |
| Pretax return on assets | -3.5573% | 7,173 |
| Return on Equity (ROE) | -132.4276% | 7,217 |
| Retained earnings to average equity (ytd only) | -132.4276% | 7,215 |
| Net charge-offs to loans | 5.6834% | 44 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.1839% | 5,324 |
| Efficiency ratio | 186.5546% | 50 |
| Assets per employee ($millions) | 1.6762% | 7,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3941% | 18 |
| Loan loss allowance to noncurrent loans | 84.7802% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 9.7441% | 281 |
| Noncurrent loans to loans | 11.0806% | 211 |
| Net loans and leases to total assets | 48.0777% | 5,605 |
| Net loans and leases to deposits | 49.4410% | 6,210 |
| Net loans and leases to core deposits | 49.4410% | 6,372 |
| Total domestic deposits to total assets | 97.2425% | 15 |
| Equity capital to assets | 2.2670% | 7,210 |
| Core capital (leverage) ratio | 2.1706% | 7,211 |
| Tier 1 risk-based capital ratio | 4.4222% | 7,175 |
| Total risk-based capital ratio | 5.8187% | 7,176 |
| Memoranda: | ||
| Average total assets | $17,372,670 | 7,154 |
| Average earning assets | $16,359,670 | 7,123 |
| Average equity | $466,670 | 7,240 |
| Average total loans | $9,184,670 | 7,032 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 3,922 |
| Cost of funding earning assets | 0.6621% | 4,614 |
| Net interest margin | 3.8357% | 3,215 |
| Noninterest income to average assets | -0.4537% | 7,244 |
| Noninterest expense to average assets | 7.5826% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -4.4070% | 7,264 |
| Return on assets (ROA) | -4.4070% | 7,263 |
| Pretax return on assets | -4.4070% | 7,261 |
| Return on Equity (ROE) | -154.2533% | 7,282 |
| Retained earnings to average equity (ytd only) | -154.2533% | 7,279 |
| Net charge-offs to loans | 10.5990% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.7876% | 4,539 |
| Efficiency ratio | 238.7755% | 28 |
| Assets per employee ($millions) | 2.0403% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2458% | 29 |
| Loan loss allowance to noncurrent loans | 90.9530% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 7.6894% | 518 |
| Noncurrent loans to loans | 9.0661% | 371 |
| Net loans and leases to total assets | 45.6897% | 5,820 |
| Net loans and leases to deposits | 46.9476% | 6,363 |
| Net loans and leases to core deposits | 46.9476% | 6,509 |
| Total domestic deposits to total assets | 97.3207% | 18 |
| Equity capital to assets | 2.3199% | 7,266 |
| Core capital (leverage) ratio | 2.5117% | 7,255 |
| Tier 1 risk-based capital ratio | 4.8166% | 7,220 |
| Total risk-based capital ratio | 6.2130% | 7,218 |
| Memoranda: | ||
| Average total assets | $18,516,000 | 7,193 |
| Average earning assets | $17,519,500 | 7,159 |
| Average equity | $529,000 | 7,301 |
| Average total loans | $9,774,500 | 7,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4525% | 1,286 |
| Cost of funding earning assets | 1.0414% | 3,084 |
| Net interest margin | 4.4111% | 1,371 |
| Noninterest income to average assets | 0.4247% | 4,409 |
| Noninterest expense to average assets | 7.2154% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -2.5638% | 7,125 |
| Return on assets (ROA) | -2.4307% | 7,113 |
| Pretax return on assets | -2.4307% | 7,110 |
| Return on Equity (ROE) | -55.7250% | 7,228 |
| Retained earnings to average equity (ytd only) | -55.7250% | 7,227 |
| Net charge-offs to loans | 0.5541% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -6.6800% | 6,375 |
| Efficiency ratio | 155.1155% | 127 |
| Assets per employee ($millions) | 2.0743% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7357% | 17 |
| Loan loss allowance to noncurrent loans | 58.7928% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 11.7950% | 220 |
| Noncurrent loans to loans | 16.5593% | 97 |
| Net loans and leases to total assets | 50.3080% | 5,547 |
| Net loans and leases to deposits | 52.2823% | 6,183 |
| Net loans and leases to core deposits | 54.5634% | 6,258 |
| Total domestic deposits to total assets | 96.2237% | 32 |
| Equity capital to assets | 3.3853% | 7,259 |
| Core capital (leverage) ratio | 3.5441% | 7,236 |
| Tier 1 risk-based capital ratio | 6.5855% | 7,180 |
| Total risk-based capital ratio | 8.0621% | 7,171 |
| Memoranda: | ||
| Average total assets | $19,541,600 | 7,212 |
| Average earning assets | $18,725,400 | 7,169 |
| Average equity | $852,400 | 7,340 |
| Average total loans | $13,535,200 | 6,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 829 |
| Cost of funding earning assets | 1.0966% | 3,000 |
| Net interest margin | 4.6184% | 915 |
| Noninterest income to average assets | 0.5735% | 3,352 |
| Noninterest expense to average assets | 7.1996% | 133 |
| Loan and lease loss provision to assets | 0.3981% | 2,467 |
| Net operating income to assets | -2.5911% | 7,221 |
| Return on assets (ROA) | -2.4156% | 7,205 |
| Pretax return on assets | -2.4156% | 7,190 |
| Return on Equity (ROE) | -52.5972% | 7,300 |
| Retained earnings to average equity (ytd only) | -52.5972% | 7,295 |
| Net charge-offs to loans | 0.6239% | 2,379 |
| Credit loss provision to net charge-offs | 88.0597% | 3,848 |
| Earnings coverage of net charge-offs (x) | -4.8508% | 6,096 |
| Efficiency ratio | 143.8005% | 169 |
| Assets per employee ($millions) | 1.8495% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7055% | 22 |
| Loan loss allowance to noncurrent loans | 53.6779% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 11.5545% | 249 |
| Noncurrent loans to loans | 16.2180% | 111 |
| Net loans and leases to total assets | 61.2382% | 3,899 |
| Net loans and leases to deposits | 64.1445% | 5,151 |
| Net loans and leases to core deposits | 66.9940% | 5,308 |
| Total domestic deposits to total assets | 95.4690% | 45 |
| Equity capital to assets | 4.0714% | 7,320 |
| Core capital (leverage) ratio | 3.9477% | 7,309 |
| Tier 1 risk-based capital ratio | 6.6581% | 7,265 |
| Total risk-based capital ratio | 8.1032% | 7,258 |
| Memoranda: | ||
| Average total assets | $19,759,750 | 7,284 |
| Average earning assets | $18,967,250 | 7,234 |
| Average equity | $907,500 | 7,412 |
| Average total loans | $14,317,750 | 7,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 740 |
| Cost of funding earning assets | 1.1583% | 2,851 |
| Net interest margin | 4.6230% | 866 |
| Noninterest income to average assets | 0.1387% | 6,633 |
| Noninterest expense to average assets | 7.1650% | 137 |
| Loan and lease loss provision to assets | 0.5847% | 1,657 |
| Net operating income to assets | -3.1812% | 7,323 |
| Return on assets (ROA) | -2.9235% | 7,304 |
| Pretax return on assets | -2.9235% | 7,297 |
| Return on Equity (ROE) | -61.5224% | 7,376 |
| Retained earnings to average equity (ytd only) | -61.5224% | 7,373 |
| Net charge-offs to loans | 0.8693% | 1,782 |
| Credit loss provision to net charge-offs | 90.7692% | 3,436 |
| Earnings coverage of net charge-offs (x) | -4.0308% | 5,782 |
| Efficiency ratio | 156.8330% | 126 |
| Assets per employee ($millions) | 1.9177% | 7,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6531% | 37 |
| Loan loss allowance to noncurrent loans | 62.3991% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 10.3927% | 358 |
| Noncurrent loans to loans | 12.2648% | 237 |
| Net loans and leases to total assets | 68.0816% | 2,594 |
| Net loans and leases to deposits | 71.3638% | 4,224 |
| Net loans and leases to core deposits | 74.4144% | 4,524 |
| Total domestic deposits to total assets | 95.4007% | 41 |
| Equity capital to assets | 4.2082% | 7,377 |
| Core capital (leverage) ratio | 4.0947% | 7,368 |
| Tier 1 risk-based capital ratio | 6.8512% | 7,319 |
| Total risk-based capital ratio | 8.2612% | 7,314 |
| Memoranda: | ||
| Average total assets | $20,181,330 | 7,347 |
| Average earning assets | $19,338,000 | 7,301 |
| Average equity | $959,000 | 7,483 |
| Average total loans | $14,955,000 | 7,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 638 |
| Cost of funding earning assets | 1.1705% | 3,015 |
| Net interest margin | 4.7021% | 696 |
| Noninterest income to average assets | 0.0774% | 7,006 |
| Noninterest expense to average assets | 7.2328% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.6495% | 7,361 |
| Return on assets (ROA) | -2.6495% | 7,362 |
| Pretax return on assets | -2.6495% | 7,342 |
| Return on Equity (ROE) | -52.9469% | 7,425 |
| Retained earnings to average equity (ytd only) | -52.9469% | 7,413 |
| Net charge-offs to loans | 1.9006% | 676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.8767% | 4,952 |
| Efficiency ratio | 157.8059% | 130 |
| Assets per employee ($millions) | 2.1180% | 7,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8475% | 64 |
| Loan loss allowance to noncurrent loans | 80.8765% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 7.1483% | 734 |
| Noncurrent loans to loans | 8.4666% | 557 |
| Net loans and leases to total assets | 65.1936% | 3,202 |
| Net loans and leases to deposits | 68.6180% | 4,594 |
| Net loans and leases to core deposits | 71.2745% | 4,893 |
| Total domestic deposits to total assets | 95.0094% | 54 |
| Equity capital to assets | 4.5940% | 7,400 |
| Core capital (leverage) ratio | 4.6262% | 7,384 |
| Tier 1 risk-based capital ratio | 7.6817% | 7,315 |
| Total risk-based capital ratio | 9.0725% | 7,313 |
| Memoranda: | ||
| Average total assets | $20,683,500 | 7,389 |
| Average earning assets | $19,821,000 | 7,345 |
| Average equity | $1,035,000 | 7,534 |
| Average total loans | $15,363,500 | 7,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9782% | 881 |
| Cost of funding earning assets | 1.3322% | 3,677 |
| Net interest margin | 4.6461% | 915 |
| Noninterest income to average assets | 0.0924% | 6,932 |
| Noninterest expense to average assets | 6.4426% | 187 |
| Loan and lease loss provision to assets | 0.6386% | 2,577 |
| Net operating income to assets | -2.4782% | 7,169 |
| Return on assets (ROA) | -2.4702% | 7,185 |
| Pretax return on assets | -2.4702% | 7,155 |
| Return on Equity (ROE) | -43.5799% | 7,382 |
| Retained earnings to average equity (ytd only) | -43.5799% | 7,376 |
| Net charge-offs to loans | -0.9607% | 7,600 |
| Credit loss provision to net charge-offs | -89.3258% | 7,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.9651% | 258 |
| Assets per employee ($millions) | 1.8352% | 7,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8410% | 65 |
| Loan loss allowance to noncurrent loans | 99.4516% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 6.7023% | 838 |
| Noncurrent loans to loans | 6.8788% | 835 |
| Net loans and leases to total assets | 73.3938% | 1,790 |
| Net loans and leases to deposits | 77.9789% | 3,515 |
| Net loans and leases to core deposits | 81.1836% | 4,025 |
| Total domestic deposits to total assets | 94.1200% | 83 |
| Equity capital to assets | 5.4342% | 7,403 |
| Core capital (leverage) ratio | 4.9237% | 7,422 |
| Tier 1 risk-based capital ratio | 8.3104% | 7,329 |
| Total risk-based capital ratio | 9.6483% | 7,325 |
| Memoranda: | ||
| Average total assets | $24,896,800 | 7,349 |
| Average earning assets | $24,171,000 | 7,282 |
| Average equity | $1,411,200 | 7,597 |
| Average total loans | $18,528,000 | 7,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0290% | 880 |
| Cost of funding earning assets | 1.3497% | 3,904 |
| Net interest margin | 4.6793% | 883 |
| Noninterest income to average assets | 0.0869% | 7,101 |
| Noninterest expense to average assets | 6.1106% | 213 |
| Loan and lease loss provision to assets | 0.8130% | 1,861 |
| Net operating income to assets | -2.2806% | 7,298 |
| Return on assets (ROA) | -2.2806% | 7,316 |
| Pretax return on assets | -2.2806% | 7,269 |
| Return on Equity (ROE) | -39.9161% | 7,489 |
| Retained earnings to average equity (ytd only) | -39.9161% | 7,485 |
| Net charge-offs to loans | 0.3336% | 3,988 |
| Credit loss provision to net charge-offs | 331.2500% | 957 |
| Earnings coverage of net charge-offs (x) | -5.9791% | 6,600 |
| Efficiency ratio | 131.6079% | 290 |
| Assets per employee ($millions) | 2.1538% | 7,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0763% | 164 |
| Loan loss allowance to noncurrent loans | 53.9087% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 7.2809% | 732 |
| Noncurrent loans to loans | 9.4164% | 484 |
| Net loans and leases to total assets | 68.0356% | 3,207 |
| Net loans and leases to deposits | 72.0306% | 4,839 |
| Net loans and leases to core deposits | 74.5318% | 5,228 |
| Total domestic deposits to total assets | 94.4538% | 52 |
| Equity capital to assets | 5.3984% | 7,542 |
| Core capital (leverage) ratio | 5.2627% | 7,524 |
| Tier 1 risk-based capital ratio | 8.9084% | 7,379 |
| Total risk-based capital ratio | 10.2206% | 7,388 |
| Memoranda: | ||
| Average total assets | $26,074,250 | 7,409 |
| Average earning assets | $25,387,750 | 7,337 |
| Average equity | $1,489,750 | 7,690 |
| Average total loans | $19,184,000 | 7,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 988 |
| Cost of funding earning assets | 1.3906% | 3,935 |
| Net interest margin | 4.5921% | 1,023 |
| Noninterest income to average assets | 0.0893% | 7,132 |
| Noninterest expense to average assets | 5.9103% | 231 |
| Loan and lease loss provision to assets | 1.1835% | 1,188 |
| Net operating income to assets | -2.5309% | 7,426 |
| Return on assets (ROA) | -2.5309% | 7,438 |
| Pretax return on assets | -2.5309% | 7,374 |
| Return on Equity (ROE) | -43.5897% | 7,562 |
| Retained earnings to average equity (ytd only) | -43.5897% | 7,555 |
| Net charge-offs to loans | 0.7732% | 2,314 |
| Credit loss provision to net charge-offs | 206.4935% | 1,882 |
| Earnings coverage of net charge-offs (x) | -2.3506% | 6,230 |
| Efficiency ratio | 129.5269% | 319 |
| Assets per employee ($millions) | 2.3531% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4867% | 258 |
| Loan loss allowance to noncurrent loans | 46.8241% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 7.2052% | 720 |
| Noncurrent loans to loans | 9.5820% | 478 |
| Net loans and leases to total assets | 68.5095% | 3,248 |
| Net loans and leases to deposits | 72.4743% | 4,914 |
| Net loans and leases to core deposits | 74.7692% | 5,355 |
| Total domestic deposits to total assets | 94.5294% | 61 |
| Equity capital to assets | 5.3392% | 7,605 |
| Core capital (leverage) ratio | 5.1720% | 7,583 |
| Tier 1 risk-based capital ratio | 8.6293% | 7,467 |
| Total risk-based capital ratio | 9.9320% | 7,477 |
| Memoranda: | ||
| Average total assets | $26,868,330 | 7,443 |
| Average earning assets | $26,175,670 | 7,363 |
| Average equity | $1,560,000 | 7,742 |
| Average total loans | $19,918,330 | 7,072 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1500% | 706 |
| Cost of funding earning assets | 1.4700% | 3,737 |
| Net interest margin | 4.6800% | 814 |
| Noninterest income to average assets | 0.0731% | 7,340 |
| Noninterest expense to average assets | 5.5262% | 271 |
| Loan and lease loss provision to assets | 0.8333% | 1,519 |
| Net operating income to assets | -1.7251% | 7,393 |
| Return on assets (ROA) | -1.7251% | 7,397 |
| Pretax return on assets | -1.7251% | 7,327 |
| Return on Equity (ROE) | -28.6234% | 7,551 |
| Retained earnings to average equity (ytd only) | -28.6234% | 7,520 |
| Net charge-offs to loans | -0.1360% | 7,586 |
| Credit loss provision to net charge-offs | -814.2857% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2429% | 451 |
| Assets per employee ($millions) | 2.2607% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1052% | 342 |
| Loan loss allowance to noncurrent loans | 157.9457% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.2191% | 3,252 |
| Noncurrent loans to loans | 2.5991% | 3,069 |
| Net loans and leases to total assets | 70.1784% | 2,889 |
| Net loans and leases to deposits | 74.6823% | 4,643 |
| Net loans and leases to core deposits | 76.9461% | 5,142 |
| Total domestic deposits to total assets | 93.9693% | 72 |
| Equity capital to assets | 5.8648% | 7,636 |
| Core capital (leverage) ratio | 5.8398% | 7,604 |
| Tier 1 risk-based capital ratio | 8.8334% | 7,510 |
| Total risk-based capital ratio | 10.1216% | 7,523 |
| Memoranda: | ||
| Average total assets | $27,360,500 | 7,527 |
| Average earning assets | $26,666,500 | 7,442 |
| Average equity | $1,649,000 | 7,809 |
| Average total loans | $20,594,500 | 7,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4407% | 752 |
| Cost of funding earning assets | 1.8926% | 3,499 |
| Net interest margin | 4.5481% | 1,080 |
| Noninterest income to average assets | 0.0943% | 7,296 |
| Noninterest expense to average assets | 4.8361% | 587 |
| Loan and lease loss provision to assets | 4.9493% | 201 |
| Net operating income to assets | -6.2628% | 7,849 |
| Return on assets (ROA) | -6.2565% | 7,840 |
| Pretax return on assets | -5.3578% | 7,745 |
| Return on Equity (ROE) | -81.3383% | 7,871 |
| Retained earnings to average equity (ytd only) | -81.3383% | 7,867 |
| Net charge-offs to loans | 5.9763% | 173 |
| Credit loss provision to net charge-offs | 108.2474% | 5,115 |
| Earnings coverage of net charge-offs (x) | -0.0907% | 6,326 |
| Efficiency ratio | 109.3817% | 809 |
| Assets per employee ($millions) | 2.2994% | 7,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5199% | 518 |
| Loan loss allowance to noncurrent loans | 67.1135% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 4.3670% | 1,488 |
| Noncurrent loans to loans | 5.2447% | 1,255 |
| Net loans and leases to total assets | 74.6023% | 2,117 |
| Net loans and leases to deposits | 79.6571% | 4,055 |
| Net loans and leases to core deposits | 103.5880% | 3,613 |
| Total domestic deposits to total assets | 93.6542% | 91 |
| Equity capital to assets | 6.1864% | 7,636 |
| Core capital (leverage) ratio | 6.0574% | 7,622 |
| Tier 1 risk-based capital ratio | 8.8411% | 7,525 |
| Total risk-based capital ratio | 10.1190% | 7,539 |
| Memoranda: | ||
| Average total assets | $31,823,000 | 7,412 |
| Average earning assets | $30,276,400 | 7,344 |
| Average equity | $2,447,800 | 7,744 |
| Average total loans | $24,346,000 | 6,949 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3570% | 1,013 |
| Cost of funding earning assets | 1.9748% | 3,489 |
| Net interest margin | 4.3822% | 1,486 |
| Noninterest income to average assets | 0.0852% | 7,470 |
| Noninterest expense to average assets | 4.5213% | 728 |
| Loan and lease loss provision to assets | 5.5715% | 130 |
| Net operating income to assets | -7.0192% | 7,979 |
| Return on assets (ROA) | -7.0111% | 7,978 |
| Pretax return on assets | -5.8514% | 7,898 |
| Return on Equity (ROE) | -87.5534% | 7,983 |
| Retained earnings to average equity (ytd only) | -87.5534% | 7,982 |
| Net charge-offs to loans | 7.2088% | 100 |
| Credit loss provision to net charge-offs | 101.2528% | 5,023 |
| Earnings coverage of net charge-offs (x) | -0.0523% | 6,130 |
| Efficiency ratio | 106.8008% | 840 |
| Assets per employee ($millions) | 2.3213% | 7,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7847% | 803 |
| Loan loss allowance to noncurrent loans | 69.7524% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6437% | 1,804 |
| Noncurrent loans to loans | 3.9923% | 1,842 |
| Net loans and leases to total assets | 81.2105% | 945 |
| Net loans and leases to deposits | 87.5498% | 3,047 |
| Net loans and leases to core deposits | 114.9784% | 2,729 |
| Total domestic deposits to total assets | 92.7592% | 104 |
| Equity capital to assets | 7.1331% | 7,533 |
| Core capital (leverage) ratio | 6.5777% | 7,639 |
| Tier 1 risk-based capital ratio | 9.3308% | 7,476 |
| Total risk-based capital ratio | 10.6028% | 7,445 |
| Memoranda: | ||
| Average total assets | $32,880,500 | 7,428 |
| Average earning assets | $31,125,000 | 7,366 |
| Average equity | $2,633,000 | 7,773 |
| Average total loans | $25,098,500 | 6,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2147% | 1,409 |
| Cost of funding earning assets | 2.0099% | 3,726 |
| Net interest margin | 4.2048% | 1,981 |
| Noninterest income to average assets | 0.0868% | 7,539 |
| Noninterest expense to average assets | 4.3235% | 921 |
| Loan and lease loss provision to assets | 7.4489% | 83 |
| Net operating income to assets | -9.3936% | 8,104 |
| Return on assets (ROA) | -9.3821% | 8,098 |
| Pretax return on assets | -7.7267% | 8,048 |
| Return on Equity (ROE) | -113.8211% | 8,093 |
| Retained earnings to average equity (ytd only) | -113.8211% | 8,092 |
| Net charge-offs to loans | 10.5726% | 49 |
| Credit loss provision to net charge-offs | 94.7020% | 4,783 |
| Earnings coverage of net charge-offs (x) | -0.0368% | 5,726 |
| Efficiency ratio | 107.1736% | 937 |
| Assets per employee ($millions) | 2.9052% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,127 |
| Loan loss allowance to noncurrent loans | 97.0486% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 3,726 |
| Noncurrent loans to loans | 2.3488% | 3,082 |
| Net loans and leases to total assets | 68.7396% | 4,015 |
| Net loans and leases to deposits | 72.8965% | 5,619 |
| Net loans and leases to core deposits | 90.4029% | 5,499 |
| Total domestic deposits to total assets | 94.2975% | 53 |
| Equity capital to assets | 5.6250% | 7,986 |
| Core capital (leverage) ratio | 6.0836% | 7,903 |
| Tier 1 risk-based capital ratio | 8.3918% | 7,861 |
| Total risk-based capital ratio | 9.6549% | 7,892 |
| Memoranda: | ||
| Average total assets | $34,555,330 | 7,425 |
| Average earning assets | $32,439,330 | 7,381 |
| Average equity | $2,848,330 | 7,776 |
| Average total loans | $25,708,000 | 6,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4613% | 933 |
| Cost of funding earning assets | 2.1369% | 3,486 |
| Net interest margin | 4.3244% | 1,537 |
| Noninterest income to average assets | 0.0698% | 7,714 |
| Noninterest expense to average assets | 4.2323% | 906 |
| Loan and lease loss provision to assets | 8.0460% | 66 |
| Net operating income to assets | -6.7164% | 8,116 |
| Return on assets (ROA) | -6.6973% | 8,103 |
| Pretax return on assets | -8.2088% | 8,121 |
| Return on Equity (ROE) | -69.9878% | 8,108 |
| Retained earnings to average equity (ytd only) | -69.9878% | 8,097 |
| Net charge-offs to loans | 11.5587% | 46 |
| Credit loss provision to net charge-offs | 91.0526% | 3,979 |
| Earnings coverage of net charge-offs (x) | -0.0211% | 5,001 |
| Efficiency ratio | 104.5977% | 963 |
| Assets per employee ($millions) | 3.0179% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,142 |
| Loan loss allowance to noncurrent loans | 63.4009% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.4520% | 2,336 |
| Noncurrent loans to loans | 3.3954% | 1,887 |
| Net loans and leases to total assets | 70.6613% | 3,540 |
| Net loans and leases to deposits | 77.1666% | 5,063 |
| Net loans and leases to core deposits | 100.4514% | 4,499 |
| Total domestic deposits to total assets | 91.5698% | 259 |
| Equity capital to assets | 8.3004% | 6,391 |
| Core capital (leverage) ratio | 8.0662% | 6,357 |
| Tier 1 risk-based capital ratio | 10.3680% | 6,527 |
| Total risk-based capital ratio | 11.6295% | 6,430 |
| Memoranda: | ||
| Average total assets | $34,402,000 | 7,475 |
| Average earning assets | $31,634,500 | 7,452 |
| Average equity | $3,292,000 | 7,692 |
| Average total loans | $26,300,500 | 6,992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1280% | 869 |
| Cost of funding earning assets | 2.6686% | 3,321 |
| Net interest margin | 4.4593% | 1,515 |
| Noninterest income to average assets | 0.0967% | 7,648 |
| Noninterest expense to average assets | 4.4642% | 896 |
| Loan and lease loss provision to assets | 0.3325% | 3,732 |
| Net operating income to assets | -0.3120% | 6,744 |
| Return on assets (ROA) | -1.3027% | 7,335 |
| Pretax return on assets | -1.9193% | 7,416 |
| Return on Equity (ROE) | -11.3005% | 7,371 |
| Retained earnings to average equity (ytd only) | -11.3005% | 7,184 |
| Net charge-offs to loans | -0.3099% | 8,195 |
| Credit loss provision to net charge-offs | -137.5000% | 7,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9986% | 891 |
| Assets per employee ($millions) | 2.5068% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 771 |
| Loan loss allowance to noncurrent loans | 152.4155% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 3,684 |
| Noncurrent loans to loans | 1.5653% | 3,435 |
| Net loans and leases to total assets | 79.2200% | 1,829 |
| Net loans and leases to deposits | 89.2087% | 3,600 |
| Net loans and leases to core deposits | 120.5669% | 2,632 |
| Total domestic deposits to total assets | 88.8030% | 1,112 |
| Equity capital to assets | 10.9792% | 3,056 |
| Core capital (leverage) ratio | 10.2445% | 3,218 |
| Tier 1 risk-based capital ratio | 12.6126% | 4,357 |
| Total risk-based capital ratio | 13.8743% | 4,258 |
| Memoranda: | ||
| Average total assets | $33,085,800 | 7,505 |
| Average earning assets | $31,439,600 | 7,440 |
| Average equity | $3,814,000 | 7,572 |
| Average total loans | $25,818,200 | 6,981 |