Home > Lone Summit Bank > Performance and Condition Ratios
Lone Summit Bank, Performance and Condition Ratios
| 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 | 4.4158% | 3,985 |
| Cost of funding earning assets | 1.3385% | 375 |
| Net interest margin | 3.0773% | 5,988 |
| Noninterest income to average assets | 0.1724% | 6,274 |
| Noninterest expense to average assets | 4.6173% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.8358% | 7,021 |
| Return on assets (ROA) | -1.8024% | 7,026 |
| Pretax return on assets | -1.8024% | 7,002 |
| Return on Equity (ROE) | -49.1456% | 7,119 |
| Retained earnings to average equity (ytd only) | -49.1456% | 7,114 |
| Net charge-offs to loans | 3.6837% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.8730% | 5,561 |
| Efficiency ratio | 166.0000% | 67 |
| Assets per employee ($millions) | 5.3498% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2596% | 574 |
| Loan loss allowance to noncurrent loans | 108.9172% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 5.9816% | 669 |
| Noncurrent loans to loans | 2.9928% | 1,869 |
| Net loans and leases to total assets | 47.4321% | 5,617 |
| Net loans and leases to deposits | 49.0457% | 6,189 |
| Net loans and leases to core deposits | 49.0457% | 6,347 |
| Total domestic deposits to total assets | 96.7101% | 20 |
| Equity capital to assets | 2.9861% | 7,134 |
| Core capital (leverage) ratio | 2.7942% | 7,139 |
| Tier 1 risk-based capital ratio | 5.3228% | 7,107 |
| Total risk-based capital ratio | 6.4384% | 7,111 |
| Memoranda: | ||
| Average total assets | $23,967,500 | 6,983 |
| Average earning assets | $20,320,250 | 6,986 |
| Average equity | $879,000 | 7,166 |
| Average total loans | $13,681,750 | 6,801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 2,963 |
| Cost of funding earning assets | 1.4765% | 264 |
| Net interest margin | 3.2118% | 5,701 |
| Noninterest income to average assets | 0.3384% | 5,118 |
| Noninterest expense to average assets | 2.9327% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1047% | 6,145 |
| Return on assets (ROA) | 0.1531% | 6,201 |
| Pretax return on assets | 0.1531% | 6,221 |
| Return on Equity (ROE) | 3.9625% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.9625% | 3,974 |
| Net charge-offs to loans | -0.3934% | 7,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5517% | 682 |
| Assets per employee ($millions) | 4.6642% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1434% | 76 |
| Loan loss allowance to noncurrent loans | 98.1651% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 9.2706% | 313 |
| Noncurrent loans to loans | 6.2582% | 686 |
| Net loans and leases to total assets | 49.0674% | 5,477 |
| Net loans and leases to deposits | 51.4662% | 6,060 |
| Net loans and leases to core deposits | 52.0775% | 6,234 |
| Total domestic deposits to total assets | 95.3390% | 45 |
| Equity capital to assets | 4.1679% | 7,132 |
| Core capital (leverage) ratio | 2.8675% | 7,182 |
| Tier 1 risk-based capital ratio | 5.2947% | 7,155 |
| Total risk-based capital ratio | 6.5899% | 7,157 |
| Memoranda: | ||
| Average total assets | $24,823,670 | 7,016 |
| Average earning assets | $20,860,670 | 7,035 |
| Average equity | $959,000 | 7,217 |
| Average total loans | $14,745,000 | 6,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 3,096 |
| Cost of funding earning assets | 1.5810% | 201 |
| Net interest margin | 3.1063% | 6,019 |
| Noninterest income to average assets | 0.1095% | 6,698 |
| Noninterest expense to average assets | 2.5963% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1251% | 6,184 |
| Return on assets (ROA) | 0.2190% | 6,069 |
| Pretax return on assets | 0.2190% | 6,158 |
| Return on Equity (ROE) | 5.8793% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.8793% | 3,027 |
| Net charge-offs to loans | -0.1498% | 6,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4023% | 747 |
| Assets per employee ($millions) | 5.1296% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7128% | 214 |
| Loan loss allowance to noncurrent loans | 67.7239% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 10.7377% | 259 |
| Noncurrent loans to loans | 6.9588% | 645 |
| Net loans and leases to total assets | 57.2325% | 4,178 |
| Net loans and leases to deposits | 59.7387% | 5,182 |
| Net loans and leases to core deposits | 60.3801% | 5,498 |
| Total domestic deposits to total assets | 95.8047% | 41 |
| Equity capital to assets | 3.7313% | 7,202 |
| Core capital (leverage) ratio | 2.7317% | 7,245 |
| Tier 1 risk-based capital ratio | 4.1657% | 7,243 |
| Total risk-based capital ratio | 5.2521% | 7,248 |
| Memoranda: | ||
| Average total assets | $25,575,000 | 7,062 |
| Average earning assets | $21,505,000 | 7,083 |
| Average equity | $952,500 | 7,280 |
| Average total loans | $16,021,500 | 6,795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 4,536 |
| Cost of funding earning assets | 1.6917% | 335 |
| Net interest margin | 2.9409% | 6,624 |
| Noninterest income to average assets | 0.3767% | 4,811 |
| Noninterest expense to average assets | 3.6065% | 1,729 |
| Loan and lease loss provision to assets | 4.3531% | 40 |
| Net operating income to assets | -5.0278% | 7,303 |
| Return on assets (ROA) | -4.7949% | 7,300 |
| Pretax return on assets | -4.7778% | 7,304 |
| Return on Equity (ROE) | -79.7994% | 7,289 |
| Retained earnings to average equity (ytd only) | -79.7994% | 7,289 |
| Net charge-offs to loans | 6.4955% | 41 |
| Credit loss provision to net charge-offs | 96.9489% | 3,717 |
| Earnings coverage of net charge-offs (x) | -0.1465% | 5,922 |
| Efficiency ratio | 122.2997% | 291 |
| Assets per employee ($millions) | 5.1004% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3274% | 290 |
| Loan loss allowance to noncurrent loans | 49.2813% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 12.2069% | 198 |
| Noncurrent loans to loans | 8.7811% | 413 |
| Net loans and leases to total assets | 62.4186% | 3,516 |
| Net loans and leases to deposits | 65.1389% | 4,861 |
| Net loans and leases to core deposits | 67.2213% | 5,134 |
| Total domestic deposits to total assets | 95.8239% | 40 |
| Equity capital to assets | 3.7174% | 7,237 |
| Core capital (leverage) ratio | 2.4848% | 7,290 |
| Tier 1 risk-based capital ratio | 3.7552% | 7,290 |
| Total risk-based capital ratio | 4.9426% | 7,294 |
| Memoranda: | ||
| Average total assets | $29,197,400 | 6,990 |
| Average earning assets | $25,536,200 | 6,999 |
| Average equity | $1,754,400 | 7,246 |
| Average total loans | $20,183,200 | 6,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 5,145 |
| Cost of funding earning assets | 1.6773% | 433 |
| Net interest margin | 2.8575% | 6,815 |
| Noninterest income to average assets | 0.7348% | 2,388 |
| Noninterest expense to average assets | 3.5500% | 1,810 |
| Loan and lease loss provision to assets | 3.1782% | 97 |
| Net operating income to assets | -3.4969% | 7,301 |
| Return on assets (ROA) | -3.4969% | 7,304 |
| Pretax return on assets | -3.4748% | 7,302 |
| Return on Equity (ROE) | -53.8502% | 7,303 |
| Retained earnings to average equity (ytd only) | -53.8502% | 7,299 |
| Net charge-offs to loans | 3.1008% | 299 |
| Credit loss provision to net charge-offs | 146.5306% | 2,150 |
| Earnings coverage of net charge-offs (x) | -0.1367% | 5,688 |
| Efficiency ratio | 109.1156% | 444 |
| Assets per employee ($millions) | 4.7000% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0802% | 170 |
| Loan loss allowance to noncurrent loans | 61.2523% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 11.6206% | 245 |
| Noncurrent loans to loans | 8.2939% | 518 |
| Net loans and leases to total assets | 65.4610% | 3,017 |
| Net loans and leases to deposits | 72.3496% | 3,931 |
| Net loans and leases to core deposits | 74.5618% | 4,371 |
| Total domestic deposits to total assets | 90.4787% | 647 |
| Equity capital to assets | 5.5496% | 7,224 |
| Core capital (leverage) ratio | 4.5263% | 7,273 |
| Tier 1 risk-based capital ratio | 6.3455% | 7,282 |
| Total risk-based capital ratio | 7.6273% | 7,280 |
| Memoranda: | ||
| Average total assets | $30,121,250 | 7,038 |
| Average earning assets | $26,549,500 | 7,042 |
| Average equity | $1,956,000 | 7,286 |
| Average total loans | $21,069,500 | 6,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 5,613 |
| Cost of funding earning assets | 1.6957% | 473 |
| Net interest margin | 2.7262% | 7,002 |
| Noninterest income to average assets | 0.4096% | 4,602 |
| Noninterest expense to average assets | 3.7189% | 1,496 |
| Loan and lease loss provision to assets | 3.4979% | 109 |
| Net operating income to assets | -4.3821% | 7,414 |
| Return on assets (ROA) | -4.3821% | 7,415 |
| Pretax return on assets | -4.3821% | 7,408 |
| Return on Equity (ROE) | -64.6111% | 7,383 |
| Retained earnings to average equity (ytd only) | -64.6111% | 7,380 |
| Net charge-offs to loans | 3.3781% | 272 |
| Credit loss provision to net charge-offs | 147.3973% | 2,074 |
| Earnings coverage of net charge-offs (x) | -0.3726% | 5,488 |
| Efficiency ratio | 131.1927% | 244 |
| Assets per employee ($millions) | 4.1694% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6617% | 239 |
| Loan loss allowance to noncurrent loans | 63.3832% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 10.7826% | 331 |
| Noncurrent loans to loans | 7.3549% | 672 |
| Net loans and leases to total assets | 65.3772% | 3,166 |
| Net loans and leases to deposits | 72.5017% | 4,039 |
| Net loans and leases to core deposits | 74.6343% | 4,489 |
| Total domestic deposits to total assets | 90.1734% | 882 |
| Equity capital to assets | 5.9104% | 7,255 |
| Core capital (leverage) ratio | 4.7963% | 7,316 |
| Tier 1 risk-based capital ratio | 6.7009% | 7,329 |
| Total risk-based capital ratio | 7.9954% | 7,333 |
| Memoranda: | ||
| Average total assets | $30,761,670 | 7,085 |
| Average earning assets | $27,364,000 | 7,074 |
| Average equity | $2,086,330 | 7,332 |
| Average total loans | $21,610,000 | 6,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 5,677 |
| Cost of funding earning assets | 1.7396% | 473 |
| Net interest margin | 2.6655% | 7,054 |
| Noninterest income to average assets | 0.0634% | 7,076 |
| Noninterest expense to average assets | 3.8669% | 1,224 |
| Loan and lease loss provision to assets | 0.6846% | 1,238 |
| Net operating income to assets | -2.0793% | 7,294 |
| Return on assets (ROA) | -2.0793% | 7,292 |
| Pretax return on assets | -2.0793% | 7,267 |
| Return on Equity (ROE) | -28.9369% | 7,310 |
| Retained earnings to average equity (ytd only) | -28.9369% | 7,281 |
| Net charge-offs to loans | 1.2674% | 1,092 |
| Credit loss provision to net charge-offs | 76.0563% | 3,233 |
| Earnings coverage of net charge-offs (x) | -1.5493% | 4,936 |
| Efficiency ratio | 156.4103% | 135 |
| Assets per employee ($millions) | 5.0432% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4292% | 647 |
| Loan loss allowance to noncurrent loans | 47.5368% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 8.2389% | 563 |
| Noncurrent loans to loans | 7.2137% | 745 |
| Net loans and leases to total assets | 69.1497% | 2,298 |
| Net loans and leases to deposits | 77.6660% | 3,120 |
| Net loans and leases to core deposits | 81.4385% | 3,535 |
| Total domestic deposits to total assets | 89.0347% | 1,748 |
| Equity capital to assets | 7.2177% | 7,002 |
| Core capital (leverage) ratio | 6.1430% | 7,225 |
| Tier 1 risk-based capital ratio | 8.5718% | 7,258 |
| Total risk-based capital ratio | 9.8465% | 7,261 |
| Memoranda: | ||
| Average total assets | $31,549,500 | 7,109 |
| Average earning assets | $28,512,500 | 7,090 |
| Average equity | $2,267,000 | 7,353 |
| Average total loans | $22,408,000 | 6,717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 3,002 |
| Cost of funding earning assets | 1.9300% | 764 |
| Net interest margin | 3.3951% | 5,653 |
| Noninterest income to average assets | 0.0807% | 6,985 |
| Noninterest expense to average assets | 2.5805% | 5,500 |
| Loan and lease loss provision to assets | 1.8086% | 767 |
| Net operating income to assets | -1.1950% | 6,790 |
| Return on assets (ROA) | -1.1950% | 6,807 |
| Pretax return on assets | -1.1950% | 6,738 |
| Return on Equity (ROE) | -15.4437% | 6,933 |
| Retained earnings to average equity (ytd only) | -15.4437% | 6,896 |
| Net charge-offs to loans | 0.4492% | 3,815 |
| Credit loss provision to net charge-offs | 523.3645% | 436 |
| Earnings coverage of net charge-offs (x) | 1.7757% | 4,385 |
| Efficiency ratio | 80.7887% | 2,309 |
| Assets per employee ($millions) | 5.4733% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2831% | 686 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 3.0451% | 2,317 |
| Noncurrent loans to loans | 3.4559% | 2,193 |
| Net loans and leases to total assets | 68.1760% | 2,942 |
| Net loans and leases to deposits | 76.2802% | 3,794 |
| Net loans and leases to core deposits | 85.6897% | 3,365 |
| Total domestic deposits to total assets | 89.3758% | 1,449 |
| Equity capital to assets | 7.1559% | 7,061 |
| Core capital (leverage) ratio | 6.3972% | 7,215 |
| Tier 1 risk-based capital ratio | 8.9415% | 7,256 |
| Total risk-based capital ratio | 10.2140% | 7,256 |
| Memoranda: | ||
| Average total assets | $30,962,400 | 7,173 |
| Average earning assets | $28,394,200 | 7,153 |
| Average equity | $2,395,800 | 7,422 |
| Average total loans | $23,817,800 | 6,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 2,612 |
| Cost of funding earning assets | 1.9482% | 887 |
| Net interest margin | 3.5097% | 5,255 |
| Noninterest income to average assets | 0.0875% | 7,098 |
| Noninterest expense to average assets | 2.4224% | 5,962 |
| Loan and lease loss provision to assets | 2.4486% | 441 |
| Net operating income to assets | -1.5697% | 7,124 |
| Return on assets (ROA) | -1.5697% | 7,133 |
| Pretax return on assets | -1.5697% | 7,062 |
| Return on Equity (ROE) | -19.8837% | 7,217 |
| Retained earnings to average equity (ytd only) | -19.8837% | 7,200 |
| Net charge-offs to loans | 0.6671% | 2,762 |
| Credit loss provision to net charge-offs | 466.6667% | 636 |
| Earnings coverage of net charge-offs (x) | 1.6749% | 4,448 |
| Efficiency ratio | 73.3775% | 3,444 |
| Assets per employee ($millions) | 4.9304% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1200% | 751 |
| Loan loss allowance to noncurrent loans | 186.7500% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 4,801 |
| Noncurrent loans to loans | 1.6707% | 4,140 |
| Net loans and leases to total assets | 67.2066% | 3,406 |
| Net loans and leases to deposits | 74.8178% | 4,374 |
| Net loans and leases to core deposits | 80.1874% | 4,490 |
| Total domestic deposits to total assets | 89.8270% | 960 |
| Equity capital to assets | 6.8380% | 7,375 |
| Core capital (leverage) ratio | 6.4252% | 7,352 |
| Tier 1 risk-based capital ratio | 7.8640% | 7,492 |
| Total risk-based capital ratio | 9.1339% | 7,494 |
| Memoranda: | ||
| Average total assets | $30,493,000 | 7,271 |
| Average earning assets | $27,922,250 | 7,251 |
| Average equity | $2,407,250 | 7,515 |
| Average total loans | $23,985,000 | 6,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 1,451 |
| Cost of funding earning assets | 1.9772% | 961 |
| Net interest margin | 3.8110% | 3,845 |
| Noninterest income to average assets | 0.0823% | 7,178 |
| Noninterest expense to average assets | 2.5040% | 5,710 |
| Loan and lease loss provision to assets | 3.8418% | 208 |
| Net operating income to assets | -2.7990% | 7,477 |
| Return on assets (ROA) | -2.7990% | 7,489 |
| Pretax return on assets | -2.7990% | 7,436 |
| Return on Equity (ROE) | -33.6773% | 7,474 |
| Retained earnings to average equity (ytd only) | -33.6773% | 7,465 |
| Net charge-offs to loans | -0.0250% | 7,319 |
| Credit loss provision to net charge-offs | -18,666.6667% | 7,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5996% | 4,059 |
| Assets per employee ($millions) | 4.4677% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6259% | 501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.9400% | 1,922 |
| Net loans and leases to deposits | 83.0514% | 3,064 |
| Net loans and leases to core deposits | 88.8633% | 3,431 |
| Total domestic deposits to total assets | 89.0292% | 1,426 |
| Equity capital to assets | 7.3895% | 7,171 |
| Core capital (leverage) ratio | 6.7356% | 7,310 |
| Tier 1 risk-based capital ratio | 7.8631% | 7,533 |
| Total risk-based capital ratio | 9.1402% | 7,538 |
| Memoranda: | ||
| Average total assets | $29,153,000 | 7,380 |
| Average earning assets | $26,502,330 | 7,354 |
| Average equity | $2,423,000 | 7,565 |
| Average total loans | $23,999,330 | 6,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 857 |
| Cost of funding earning assets | 2.0203% | 1,020 |
| Net interest margin | 4.0406% | 2,694 |
| Noninterest income to average assets | 0.0712% | 7,354 |
| Noninterest expense to average assets | 2.5772% | 5,445 |
| Loan and lease loss provision to assets | 7.9737% | 60 |
| Net operating income to assets | -6.8346% | 7,839 |
| Return on assets (ROA) | -6.8346% | 7,842 |
| Pretax return on assets | -6.8346% | 7,831 |
| Return on Equity (ROE) | -77.4506% | 7,791 |
| Retained earnings to average equity (ytd only) | -77.4506% | 7,786 |
| Net charge-offs to loans | -0.1667% | 7,639 |
| Credit loss provision to net charge-offs | -5,600.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3487% | 4,434 |
| Assets per employee ($millions) | 4.2324% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6048% | 503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.1575% | 956 |
| Net loans and leases to deposits | 89.1813% | 2,038 |
| Net loans and leases to core deposits | 103.2946% | 1,797 |
| Total domestic deposits to total assets | 88.7603% | 1,636 |
| Equity capital to assets | 7.5573% | 7,027 |
| Core capital (leverage) ratio | 6.9337% | 7,291 |
| Tier 1 risk-based capital ratio | 7.6887% | 7,645 |
| Total risk-based capital ratio | 8.9793% | 7,649 |
| Memoranda: | ||
| Average total assets | $28,092,500 | 7,505 |
| Average earning assets | $25,342,500 | 7,479 |
| Average equity | $2,479,000 | 7,640 |
| Average total loans | $24,002,000 | 6,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 1,780 |
| Cost of funding earning assets | 2.4959% | 1,034 |
| Net interest margin | 3.5261% | 4,835 |
| Noninterest income to average assets | 0.0891% | 7,317 |
| Noninterest expense to average assets | 3.1796% | 3,446 |
| Loan and lease loss provision to assets | 0.4866% | 3,936 |
| Net operating income to assets | -0.3640% | 6,041 |
| Return on assets (ROA) | -0.3640% | 6,032 |
| Pretax return on assets | -0.4494% | 5,962 |
| Return on Equity (ROE) | -3.5937% | 6,068 |
| Retained earnings to average equity (ytd only) | -3.5937% | 5,808 |
| Net charge-offs to loans | 1.0140% | 2,385 |
| Credit loss provision to net charge-offs | 55.9829% | 6,681 |
| Earnings coverage of net charge-offs (x) | 0.0427% | 6,139 |
| Efficiency ratio | 98.8453% | 1,163 |
| Assets per employee ($millions) | 3.7940% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 87.9886% | 173 |
| Net loans and leases to deposits | 98.3792% | 1,061 |
| Net loans and leases to core deposits | 138.6907% | 853 |
| Total domestic deposits to total assets | 89.4382% | 1,248 |
| Equity capital to assets | 10.2380% | 3,473 |
| Core capital (leverage) ratio | 9.2056% | 4,110 |
| Tier 1 risk-based capital ratio | 9.9699% | 6,898 |
| Total risk-based capital ratio | 11.2182% | 6,878 |
| Memoranda: | ||
| Average total assets | $26,922,000 | 7,588 |
| Average earning assets | $23,878,800 | 7,587 |
| Average equity | $2,727,000 | 7,666 |
| Average total loans | $23,076,000 | 7,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8789% | 2,539 |
| Cost of funding earning assets | 2.6005% | 1,029 |
| Net interest margin | 3.2784% | 5,719 |
| Noninterest income to average assets | 0.0938% | 7,437 |
| Noninterest expense to average assets | 3.2576% | 3,089 |
| Loan and lease loss provision to assets | 0.6466% | 2,816 |
| Net operating income to assets | -0.7848% | 6,678 |
| Return on assets (ROA) | -0.7848% | 6,684 |
| Pretax return on assets | -0.8983% | 6,609 |
| Return on Equity (ROE) | -7.7680% | 6,711 |
| Retained earnings to average equity (ytd only) | -7.7680% | 6,576 |
| Net charge-offs to loans | 1.4306% | 1,448 |
| Credit loss provision to net charge-offs | 53.2520% | 6,267 |
| Earnings coverage of net charge-offs (x) | -0.2073% | 6,295 |
| Efficiency ratio | 108.3744% | 799 |
| Assets per employee ($millions) | 3.8524% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 85.9013% | 348 |
| Net loans and leases to deposits | 95.7429% | 1,614 |
| Net loans and leases to core deposits | 140.1307% | 910 |
| Total domestic deposits to total assets | 89.7208% | 881 |
| Equity capital to assets | 9.8565% | 4,272 |
| Core capital (leverage) ratio | 8.8971% | 4,816 |
| Tier 1 risk-based capital ratio | 9.7996% | 7,139 |
| Total risk-based capital ratio | 11.0086% | 7,145 |
| Memoranda: | ||
| Average total assets | $27,013,000 | 7,648 |
| Average earning assets | $23,994,750 | 7,654 |
| Average equity | $2,729,000 | 7,739 |
| Average total loans | $22,926,250 | 7,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 2,739 |
| Cost of funding earning assets | 2.6966% | 1,038 |
| Net interest margin | 3.1685% | 6,029 |
| Noninterest income to average assets | 0.0888% | 7,530 |
| Noninterest expense to average assets | 3.4556% | 2,482 |
| Loan and lease loss provision to assets | 0.6512% | 2,480 |
| Net operating income to assets | -1.0581% | 7,026 |
| Return on assets (ROA) | -1.0581% | 7,024 |
| Pretax return on assets | -1.2357% | 6,961 |
| Return on Equity (ROE) | -10.3899% | 7,064 |
| Retained earnings to average equity (ytd only) | -10.3899% | 6,910 |
| Net charge-offs to loans | 2.1804% | 841 |
| Credit loss provision to net charge-offs | 35.4839% | 5,965 |
| Earnings coverage of net charge-offs (x) | -0.3185% | 5,967 |
| Efficiency ratio | 120.3608% | 659 |
| Assets per employee ($millions) | 3.8573% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 5,823 |
| Loan loss allowance to noncurrent loans | 3,571.4286% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 7,559 |
| Noncurrent loans to loans | 0.0298% | 7,465 |
| Net loans and leases to total assets | 86.2005% | 362 |
| Net loans and leases to deposits | 96.2095% | 1,763 |
| Net loans and leases to core deposits | 136.8635% | 1,171 |
| Total domestic deposits to total assets | 89.5967% | 1,004 |
| Equity capital to assets | 9.9070% | 4,073 |
| Core capital (leverage) ratio | 9.0995% | 4,466 |
| Tier 1 risk-based capital ratio | 9.8162% | 7,116 |
| Total risk-based capital ratio | 10.8353% | 7,277 |
| Memoranda: | ||
| Average total assets | $27,028,330 | 7,723 |
| Average earning assets | $23,733,670 | 7,730 |
| Average equity | $2,752,670 | 7,805 |
| Average total loans | $22,748,330 | 7,162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6476% | 4,063 |
| Cost of funding earning assets | 2.7737% | 1,046 |
| Net interest margin | 2.8739% | 6,823 |
| Noninterest income to average assets | 0.0888% | 7,612 |
| Noninterest expense to average assets | 3.3134% | 2,619 |
| Loan and lease loss provision to assets | 0.2071% | 4,373 |
| Net operating income to assets | -0.7544% | 7,101 |
| Return on assets (ROA) | -0.7544% | 7,135 |
| Pretax return on assets | -0.8875% | 7,088 |
| Return on Equity (ROE) | -7.3079% | 7,175 |
| Retained earnings to average equity (ytd only) | -7.3079% | 6,829 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.8427% | 549 |
| Assets per employee ($millions) | 3.7841% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 1,785 |
| Loan loss allowance to noncurrent loans | 44.6786% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 3.5826% | 1,483 |
| Noncurrent loans to loans | 4.0925% | 1,467 |
| Net loans and leases to total assets | 85.9413% | 456 |
| Net loans and leases to deposits | 96.3802% | 1,889 |
| Net loans and leases to core deposits | 136.6857% | 1,263 |
| Total domestic deposits to total assets | 89.1691% | 1,161 |
| Equity capital to assets | 10.4421% | 3,520 |
| Core capital (leverage) ratio | 9.3096% | 4,231 |
| Tier 1 risk-based capital ratio | 10.4517% | 6,443 |
| Total risk-based capital ratio | 11.7483% | 6,306 |
| Memoranda: | ||
| Average total assets | $27,042,000 | 7,763 |
| Average earning assets | $23,939,500 | 7,769 |
| Average equity | $2,791,500 | 7,837 |
| Average total loans | $22,360,000 | 7,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4087% | 3,370 |
| Cost of funding earning assets | 3.2416% | 1,064 |
| Net interest margin | 3.1671% | 6,471 |
| Noninterest income to average assets | 0.1177% | 7,535 |
| Noninterest expense to average assets | 4.0455% | 1,350 |
| Loan and lease loss provision to assets | 0.9504% | 1,555 |
| Net operating income to assets | -1.7410% | 7,541 |
| Return on assets (ROA) | -1.7410% | 7,493 |
| Pretax return on assets | -2.0143% | 7,441 |
| Return on Equity (ROE) | -13.4897% | 7,518 |
| Retained earnings to average equity (ytd only) | -13.4897% | 7,370 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6841% | 426 |
| Assets per employee ($millions) | 3.9421% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 1,404 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 7,527 |
| Noncurrent loans to loans | 0.0232% | 7,424 |
| Net loans and leases to total assets | 76.5392% | 2,491 |
| Net loans and leases to deposits | 85.6697% | 4,164 |
| Net loans and leases to core deposits | 121.4479% | 2,560 |
| Total domestic deposits to total assets | 89.3423% | 900 |
| Equity capital to assets | 10.2084% | 3,799 |
| Core capital (leverage) ratio | 9.5631% | 3,924 |
| Tier 1 risk-based capital ratio | 11.1636% | 5,580 |
| Total risk-based capital ratio | 12.4214% | 5,457 |
| Memoranda: | ||
| Average total assets | $23,779,800 | 7,879 |
| Average earning assets | $21,502,000 | 7,877 |
| Average equity | $3,069,000 | 7,816 |
| Average total loans | $19,864,000 | 7,339 |