Home > Madison Bank > Performance and Condition Ratios
Madison Bank, Performance and Condition Ratios
| 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 | 4.0463% | 3,093 |
| Cost of funding earning assets | 0.2891% | 4,515 |
| Net interest margin | 3.7572% | 2,489 |
| Noninterest income to average assets | 0.8186% | 1,705 |
| Noninterest expense to average assets | 3.5642% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5172% | 4,694 |
| Return on assets (ROA) | 0.5172% | 4,800 |
| Pretax return on assets | 0.7856% | 4,363 |
| Return on Equity (ROE) | 4.9212% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.9212% | 2,904 |
| Net charge-offs to loans | -0.1499% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9387% | 1,495 |
| Assets per employee ($millions) | 4.7578% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 749 |
| Loan loss allowance to noncurrent loans | 149.2827% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 1,731 |
| Noncurrent loans to loans | 1.4642% | 1,810 |
| Net loans and leases to total assets | 66.5540% | 2,857 |
| Net loans and leases to deposits | 83.2076% | 2,413 |
| Net loans and leases to core deposits | 88.9861% | 2,456 |
| Total domestic deposits to total assets | 79.9855% | 4,875 |
| Equity capital to assets | 10.8690% | 3,026 |
| Core capital (leverage) ratio | 10.7926% | 2,619 |
| Tier 1 risk-based capital ratio | 15.8731% | 2,918 |
| Total risk-based capital ratio | 17.1540% | 2,863 |
| Memoranda: | ||
| Average total assets | $121,429,330 | 4,129 |
| Average earning assets | $114,128,000 | 4,072 |
| Average equity | $12,761,000 | 4,248 |
| Average total loans | $82,748,000 | 3,803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,179 |
| Cost of funding earning assets | 0.2883% | 4,568 |
| Net interest margin | 3.7272% | 2,522 |
| Noninterest income to average assets | 0.8543% | 1,550 |
| Noninterest expense to average assets | 3.5542% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5348% | 4,529 |
| Return on assets (ROA) | 0.5348% | 4,645 |
| Pretax return on assets | 0.7989% | 4,246 |
| Return on Equity (ROE) | 5.1745% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.1745% | 2,960 |
| Net charge-offs to loans | -0.1291% | 5,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6479% | 1,664 |
| Assets per employee ($millions) | 4.2339% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 930 |
| Loan loss allowance to noncurrent loans | 120.5841% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6338% | 1,559 |
| Noncurrent loans to loans | 1.7374% | 1,569 |
| Net loans and leases to total assets | 65.9980% | 2,771 |
| Net loans and leases to deposits | 79.2387% | 2,652 |
| Net loans and leases to core deposits | 84.5930% | 2,703 |
| Total domestic deposits to total assets | 83.2902% | 4,086 |
| Equity capital to assets | 10.4745% | 3,561 |
| Core capital (leverage) ratio | 10.4220% | 3,072 |
| Tier 1 risk-based capital ratio | 15.0487% | 3,406 |
| Total risk-based capital ratio | 16.3168% | 3,315 |
| Memoranda: | ||
| Average total assets | $122,672,000 | 4,134 |
| Average earning assets | $115,152,500 | 4,078 |
| Average equity | $12,677,500 | 4,290 |
| Average total loans | $83,656,500 | 3,803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,720 |
| Cost of funding earning assets | 0.3112% | 4,669 |
| Net interest margin | 3.9538% | 2,035 |
| Noninterest income to average assets | 0.8261% | 1,771 |
| Noninterest expense to average assets | 4.0621% | 704 |
| Loan and lease loss provision to assets | -0.2033% | 6,294 |
| Net operating income to assets | 0.4599% | 4,967 |
| Return on assets (ROA) | 0.4342% | 5,184 |
| Pretax return on assets | 0.5992% | 4,944 |
| Return on Equity (ROE) | 4.4447% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.4447% | 3,016 |
| Net charge-offs to loans | 0.2172% | 1,932 |
| Credit loss provision to net charge-offs | -138.1215% | 5,570 |
| Earnings coverage of net charge-offs (x) | 2.9337% | 4,025 |
| Efficiency ratio | 90.3926% | 816 |
| Assets per employee ($millions) | 4.2261% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,072 |
| Loan loss allowance to noncurrent loans | 143.5660% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.4418% | 1,908 |
| Noncurrent loans to loans | 1.4064% | 2,084 |
| Net loans and leases to total assets | 67.5906% | 2,629 |
| Net loans and leases to deposits | 81.4011% | 2,555 |
| Net loans and leases to core deposits | 86.6142% | 2,637 |
| Total domestic deposits to total assets | 83.0340% | 4,069 |
| Equity capital to assets | 10.2132% | 3,838 |
| Core capital (leverage) ratio | 10.1127% | 3,420 |
| Tier 1 risk-based capital ratio | 14.7493% | 3,631 |
| Total risk-based capital ratio | 16.0099% | 3,555 |
| Memoranda: | ||
| Average total assets | $122,990,200 | 4,122 |
| Average earning assets | $114,092,400 | 4,091 |
| Average equity | $12,014,200 | 4,358 |
| Average total loans | $83,325,800 | 3,789 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 2,636 |
| Cost of funding earning assets | 0.3138% | 4,741 |
| Net interest margin | 3.9854% | 1,923 |
| Noninterest income to average assets | 0.7668% | 2,024 |
| Noninterest expense to average assets | 4.2112% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1629% | 5,921 |
| Return on assets (ROA) | 0.1484% | 5,982 |
| Pretax return on assets | 0.2210% | 5,917 |
| Return on Equity (ROE) | 1.5364% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.5364% | 5,273 |
| Net charge-offs to loans | 0.1831% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.9649% | 4,032 |
| Efficiency ratio | 94.5525% | 568 |
| Assets per employee ($millions) | 3.8907% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4465% | 689 |
| Loan loss allowance to noncurrent loans | 177.6997% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 2,152 |
| Noncurrent loans to loans | 1.3768% | 2,353 |
| Net loans and leases to total assets | 66.9137% | 2,700 |
| Net loans and leases to deposits | 78.3782% | 2,906 |
| Net loans and leases to core deposits | 83.3017% | 2,963 |
| Total domestic deposits to total assets | 85.3729% | 3,177 |
| Equity capital to assets | 9.9692% | 4,199 |
| Core capital (leverage) ratio | 9.5226% | 4,341 |
| Tier 1 risk-based capital ratio | 14.5937% | 3,818 |
| Total risk-based capital ratio | 15.8597% | 3,752 |
| Memoranda: | ||
| Average total assets | $123,098,500 | 4,156 |
| Average earning assets | $113,878,250 | 4,130 |
| Average equity | $11,888,500 | 4,411 |
| Average total loans | $83,021,250 | 3,819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,421 |
| Cost of funding earning assets | 0.3117% | 4,858 |
| Net interest margin | 4.0305% | 1,722 |
| Noninterest income to average assets | 0.7730% | 1,944 |
| Noninterest expense to average assets | 4.2815% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1448% | 5,959 |
| Return on assets (ROA) | 0.1210% | 6,047 |
| Pretax return on assets | 0.1727% | 5,980 |
| Return on Equity (ROE) | 1.2665% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.2665% | 5,243 |
| Net charge-offs to loans | 0.1107% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 3,466 |
| Efficiency ratio | 95.3973% | 589 |
| Assets per employee ($millions) | 3.3994% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 747 |
| Loan loss allowance to noncurrent loans | 154.7337% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 2.2136% | 1,369 |
| Noncurrent loans to loans | 1.5947% | 2,184 |
| Net loans and leases to total assets | 67.5677% | 2,491 |
| Net loans and leases to deposits | 80.7752% | 2,411 |
| Net loans and leases to core deposits | 85.3906% | 2,570 |
| Total domestic deposits to total assets | 83.6490% | 4,052 |
| Equity capital to assets | 9.8065% | 4,343 |
| Core capital (leverage) ratio | 9.4541% | 4,388 |
| Tier 1 risk-based capital ratio | 14.0933% | 4,202 |
| Total risk-based capital ratio | 15.3593% | 4,120 |
| Memoranda: | ||
| Average total assets | $123,927,330 | 4,162 |
| Average earning assets | $114,230,330 | 4,140 |
| Average equity | $11,843,330 | 4,427 |
| Average total loans | $83,118,330 | 3,827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,388 |
| Cost of funding earning assets | 0.3136% | 4,936 |
| Net interest margin | 4.0215% | 1,676 |
| Noninterest income to average assets | 0.8340% | 1,624 |
| Noninterest expense to average assets | 4.1988% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2213% | 5,740 |
| Return on assets (ROA) | 0.2213% | 5,792 |
| Pretax return on assets | 0.3368% | 5,629 |
| Return on Equity (ROE) | 2.3460% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.3460% | 4,662 |
| Net charge-offs to loans | -0.0729% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5743% | 838 |
| Assets per employee ($millions) | 3.3209% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 680 |
| Loan loss allowance to noncurrent loans | 260.3386% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 2.1762% | 1,528 |
| Noncurrent loans to loans | 1.0161% | 3,389 |
| Net loans and leases to total assets | 64.4880% | 2,812 |
| Net loans and leases to deposits | 75.0206% | 2,939 |
| Net loans and leases to core deposits | 79.9441% | 2,971 |
| Total domestic deposits to total assets | 85.9604% | 3,387 |
| Equity capital to assets | 9.6676% | 4,272 |
| Core capital (leverage) ratio | 9.0432% | 4,945 |
| Tier 1 risk-based capital ratio | 13.7513% | 4,500 |
| Total risk-based capital ratio | 15.0188% | 4,449 |
| Memoranda: | ||
| Average total assets | $124,702,000 | 4,173 |
| Average earning assets | $114,782,000 | 4,160 |
| Average equity | $11,764,500 | 4,459 |
| Average total loans | $82,287,500 | 3,878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,942 |
| Cost of funding earning assets | 0.3605% | 5,045 |
| Net interest margin | 4.2161% | 1,309 |
| Noninterest income to average assets | 1.6885% | 507 |
| Noninterest expense to average assets | 4.8429% | 390 |
| Loan and lease loss provision to assets | 0.1134% | 2,921 |
| Net operating income to assets | 0.3551% | 5,318 |
| Return on assets (ROA) | 0.2924% | 5,646 |
| Pretax return on assets | 0.4794% | 5,261 |
| Return on Equity (ROE) | 3.0534% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.0534% | 4,058 |
| Net charge-offs to loans | 0.4915% | 1,351 |
| Credit loss provision to net charge-offs | 35.9897% | 4,132 |
| Earnings coverage of net charge-offs (x) | 2.1928% | 4,296 |
| Efficiency ratio | 87.5165% | 1,267 |
| Assets per employee ($millions) | 3.4197% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5702% | 752 |
| Loan loss allowance to noncurrent loans | 274.4544% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0944% | 1,710 |
| Noncurrent loans to loans | 0.9365% | 3,645 |
| Net loans and leases to total assets | 64.0520% | 3,035 |
| Net loans and leases to deposits | 75.2933% | 3,056 |
| Net loans and leases to core deposits | 80.3563% | 3,086 |
| Total domestic deposits to total assets | 85.0699% | 3,704 |
| Equity capital to assets | 9.2073% | 4,795 |
| Core capital (leverage) ratio | 9.0027% | 5,002 |
| Tier 1 risk-based capital ratio | 13.2470% | 4,826 |
| Total risk-based capital ratio | 14.5130% | 4,753 |
| Memoranda: | ||
| Average total assets | $123,481,000 | 4,197 |
| Average earning assets | $112,615,600 | 4,209 |
| Average equity | $11,822,800 | 4,482 |
| Average total loans | $79,149,000 | 3,964 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 1,811 |
| Cost of funding earning assets | 0.3728% | 5,070 |
| Net interest margin | 4.2527% | 1,202 |
| Noninterest income to average assets | 1.8905% | 452 |
| Noninterest expense to average assets | 4.9836% | 339 |
| Loan and lease loss provision to assets | 0.1521% | 2,365 |
| Net operating income to assets | 0.4102% | 5,208 |
| Return on assets (ROA) | 0.4031% | 5,371 |
| Pretax return on assets | 0.6106% | 4,980 |
| Return on Equity (ROE) | 4.1686% | 5,144 |
| Retained earnings to average equity (ytd only) | 4.1686% | 3,718 |
| Net charge-offs to loans | 0.6996% | 853 |
| Credit loss provision to net charge-offs | 34.1463% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.7366% | 4,256 |
| Efficiency ratio | 86.5635% | 1,310 |
| Assets per employee ($millions) | 2.9413% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6040% | 829 |
| Loan loss allowance to noncurrent loans | 194.9355% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 3.3878% | 1,016 |
| Noncurrent loans to loans | 1.3358% | 3,189 |
| Net loans and leases to total assets | 64.0970% | 2,986 |
| Net loans and leases to deposits | 73.5350% | 3,308 |
| Net loans and leases to core deposits | 78.7675% | 3,256 |
| Total domestic deposits to total assets | 87.1654% | 2,590 |
| Equity capital to assets | 9.5602% | 4,474 |
| Core capital (leverage) ratio | 9.1465% | 4,902 |
| Tier 1 risk-based capital ratio | 13.2945% | 4,906 |
| Total risk-based capital ratio | 14.5602% | 4,836 |
| Memoranda: | ||
| Average total assets | $122,718,750 | 4,259 |
| Average earning assets | $111,580,000 | 4,270 |
| Average equity | $11,866,000 | 4,526 |
| Average total loans | $78,140,500 | 4,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,757 |
| Cost of funding earning assets | 0.3863% | 5,067 |
| Net interest margin | 4.2419% | 1,161 |
| Noninterest income to average assets | 1.9421% | 466 |
| Noninterest expense to average assets | 5.0111% | 351 |
| Loan and lease loss provision to assets | 0.2287% | 1,639 |
| Net operating income to assets | 0.3675% | 5,341 |
| Return on assets (ROA) | 0.3675% | 5,513 |
| Pretax return on assets | 0.5586% | 5,171 |
| Return on Equity (ROE) | 3.7864% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,888 |
| Net charge-offs to loans | 0.8665% | 720 |
| Credit loss provision to net charge-offs | 41.9162% | 3,381 |
| Earnings coverage of net charge-offs (x) | 1.4431% | 4,056 |
| Efficiency ratio | 86.4225% | 1,374 |
| Assets per employee ($millions) | 2.6503% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7947% | 709 |
| Loan loss allowance to noncurrent loans | 248.3579% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 3.7073% | 993 |
| Noncurrent loans to loans | 1.1253% | 3,683 |
| Net loans and leases to total assets | 61.2334% | 3,441 |
| Net loans and leases to deposits | 71.8040% | 3,479 |
| Net loans and leases to core deposits | 76.3187% | 3,509 |
| Total domestic deposits to total assets | 85.2785% | 3,755 |
| Equity capital to assets | 9.3741% | 4,750 |
| Core capital (leverage) ratio | 9.0718% | 4,873 |
| Tier 1 risk-based capital ratio | 13.3258% | 4,898 |
| Total risk-based capital ratio | 14.5932% | 4,830 |
| Memoranda: | ||
| Average total assets | $122,447,330 | 4,290 |
| Average earning assets | $111,319,000 | 4,304 |
| Average equity | $11,884,670 | 4,559 |
| Average total loans | $77,088,000 | 4,068 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,719 |
| Cost of funding earning assets | 0.3983% | 5,119 |
| Net interest margin | 4.2399% | 1,100 |
| Noninterest income to average assets | 1.2654% | 956 |
| Noninterest expense to average assets | 4.9527% | 383 |
| Loan and lease loss provision to assets | 0.3460% | 950 |
| Net operating income to assets | -0.1219% | 6,462 |
| Return on assets (ROA) | -0.1219% | 6,512 |
| Pretax return on assets | -0.1746% | 6,535 |
| Return on Equity (ROE) | -1.2345% | 6,513 |
| Retained earnings to average equity (ytd only) | -1.2345% | 5,982 |
| Net charge-offs to loans | 0.0576% | 3,250 |
| Credit loss provision to net charge-offs | 954.5455% | 329 |
| Earnings coverage of net charge-offs (x) | 4.7273% | 2,489 |
| Efficiency ratio | 96.6559% | 696 |
| Assets per employee ($millions) | 2.6241% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2742% | 502 |
| Loan loss allowance to noncurrent loans | 170.0480% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 3.5449% | 1,191 |
| Noncurrent loans to loans | 1.9254% | 2,706 |
| Net loans and leases to total assets | 60.7196% | 3,305 |
| Net loans and leases to deposits | 70.7314% | 3,360 |
| Net loans and leases to core deposits | 75.2297% | 3,430 |
| Total domestic deposits to total assets | 85.8453% | 3,613 |
| Equity capital to assets | 9.8874% | 4,292 |
| Core capital (leverage) ratio | 9.2521% | 4,476 |
| Tier 1 risk-based capital ratio | 14.4961% | 4,178 |
| Total risk-based capital ratio | 15.7709% | 4,124 |
| Memoranda: | ||
| Average total assets | $121,388,000 | 4,363 |
| Average earning assets | $110,475,500 | 4,362 |
| Average equity | $11,988,500 | 4,578 |
| Average total loans | $76,397,500 | 4,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,373 |
| Cost of funding earning assets | 0.5997% | 4,359 |
| Net interest margin | 4.1577% | 1,787 |
| Noninterest income to average assets | 1.0402% | 1,435 |
| Noninterest expense to average assets | 4.9788% | 384 |
| Loan and lease loss provision to assets | 0.4679% | 1,332 |
| Net operating income to assets | -0.4197% | 6,529 |
| Return on assets (ROA) | -0.3673% | 6,539 |
| Pretax return on assets | -0.5483% | 6,593 |
| Return on Equity (ROE) | -3.8838% | 6,544 |
| Retained earnings to average equity (ytd only) | -3.8838% | 6,349 |
| Net charge-offs to loans | 0.3637% | 2,813 |
| Credit loss provision to net charge-offs | 203.0201% | 1,268 |
| Earnings coverage of net charge-offs (x) | -0.6879% | 5,712 |
| Efficiency ratio | 103.1766% | 459 |
| Assets per employee ($millions) | 2.5431% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0992% | 604 |
| Loan loss allowance to noncurrent loans | 132.3905% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 3.9683% | 1,083 |
| Noncurrent loans to loans | 2.3410% | 2,297 |
| Net loans and leases to total assets | 61.1410% | 3,396 |
| Net loans and leases to deposits | 72.4775% | 3,330 |
| Net loans and leases to core deposits | 77.0827% | 3,389 |
| Total domestic deposits to total assets | 84.3586% | 4,150 |
| Equity capital to assets | 9.8651% | 4,359 |
| Core capital (leverage) ratio | 9.3140% | 4,392 |
| Tier 1 risk-based capital ratio | 14.2863% | 4,175 |
| Total risk-based capital ratio | 15.5581% | 4,119 |
| Memoranda: | ||
| Average total assets | $129,307,400 | 4,156 |
| Average earning assets | $117,565,200 | 4,177 |
| Average equity | $12,230,400 | 4,519 |
| Average total loans | $81,929,000 | 3,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 2,598 |
| Cost of funding earning assets | 0.6506% | 4,195 |
| Net interest margin | 4.0951% | 2,109 |
| Noninterest income to average assets | 0.9609% | 1,637 |
| Noninterest expense to average assets | 5.0752% | 349 |
| Loan and lease loss provision to assets | 0.4932% | 1,248 |
| Net operating income to assets | -0.5823% | 6,735 |
| Return on assets (ROA) | -0.5145% | 6,739 |
| Pretax return on assets | -0.7799% | 6,802 |
| Return on Equity (ROE) | -5.4950% | 6,735 |
| Retained earnings to average equity (ytd only) | -5.4950% | 6,644 |
| Net charge-offs to loans | 0.3960% | 2,508 |
| Credit loss provision to net charge-offs | 196.3563% | 1,413 |
| Earnings coverage of net charge-offs (x) | -1.5506% | 5,624 |
| Efficiency ratio | 108.3116% | 335 |
| Assets per employee ($millions) | 2.5829% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9433% | 767 |
| Loan loss allowance to noncurrent loans | 96.5431% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 4.1781% | 1,143 |
| Noncurrent loans to loans | 3.0487% | 1,824 |
| Net loans and leases to total assets | 61.6514% | 3,452 |
| Net loans and leases to deposits | 71.0075% | 3,751 |
| Net loans and leases to core deposits | 74.3664% | 3,928 |
| Total domestic deposits to total assets | 86.8238% | 2,786 |
| Equity capital to assets | 9.7297% | 4,887 |
| Core capital (leverage) ratio | 9.2316% | 4,701 |
| Tier 1 risk-based capital ratio | 14.5330% | 4,165 |
| Total risk-based capital ratio | 15.8039% | 4,114 |
| Memoranda: | ||
| Average total assets | $131,117,500 | 4,153 |
| Average earning assets | $119,262,500 | 4,170 |
| Average equity | $12,277,500 | 4,545 |
| Average total loans | $83,156,250 | 3,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 2,918 |
| Cost of funding earning assets | 0.6898% | 4,097 |
| Net interest margin | 4.0087% | 2,468 |
| Noninterest income to average assets | 1.0397% | 1,350 |
| Noninterest expense to average assets | 4.5844% | 516 |
| Loan and lease loss provision to assets | 0.5468% | 1,127 |
| Net operating income to assets | -0.2961% | 6,613 |
| Return on assets (ROA) | -0.1948% | 6,613 |
| Pretax return on assets | -0.2921% | 6,633 |
| Return on Equity (ROE) | -2.1054% | 6,626 |
| Retained earnings to average equity (ytd only) | -2.1054% | 6,370 |
| Net charge-offs to loans | 0.5743% | 1,880 |
| Credit loss provision to net charge-offs | 150.2058% | 1,837 |
| Earnings coverage of net charge-offs (x) | 0.2840% | 4,937 |
| Efficiency ratio | 97.7948% | 630 |
| Assets per employee ($millions) | 2.6522% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6213% | 1,129 |
| Loan loss allowance to noncurrent loans | 108.5264% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 4.2560% | 1,176 |
| Noncurrent loans to loans | 2.4154% | 2,490 |
| Net loans and leases to total assets | 64.2572% | 2,977 |
| Net loans and leases to deposits | 77.2475% | 2,794 |
| Net loans and leases to core deposits | 80.8424% | 3,109 |
| Total domestic deposits to total assets | 83.1836% | 4,684 |
| Equity capital to assets | 9.7051% | 4,754 |
| Core capital (leverage) ratio | 9.2756% | 4,488 |
| Tier 1 risk-based capital ratio | 14.1185% | 4,359 |
| Total risk-based capital ratio | 15.3853% | 4,319 |
| Memoranda: | ||
| Average total assets | $133,496,330 | 4,127 |
| Average earning assets | $121,485,000 | 4,137 |
| Average equity | $12,349,000 | 4,535 |
| Average total loans | $84,623,670 | 3,949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 3,346 |
| Cost of funding earning assets | 0.7304% | 4,023 |
| Net interest margin | 3.9030% | 2,907 |
| Noninterest income to average assets | 0.5681% | 3,442 |
| Noninterest expense to average assets | 4.5508% | 532 |
| Loan and lease loss provision to assets | 0.7175% | 720 |
| Net operating income to assets | -0.7614% | 6,941 |
| Return on assets (ROA) | -0.7614% | 6,959 |
| Pretax return on assets | -1.1479% | 7,012 |
| Return on Equity (ROE) | -8.4238% | 6,959 |
| Retained earnings to average equity (ytd only) | -8.4238% | 6,782 |
| Net charge-offs to loans | 0.2732% | 2,577 |
| Credit loss provision to net charge-offs | 422.4138% | 751 |
| Earnings coverage of net charge-offs (x) | -2.5345% | 4,631 |
| Efficiency ratio | 110.4478% | 329 |
| Assets per employee ($millions) | 2.7384% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6598% | 1,165 |
| Loan loss allowance to noncurrent loans | 108.6248% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 3.9782% | 1,391 |
| Noncurrent loans to loans | 2.4486% | 2,663 |
| Net loans and leases to total assets | 60.5945% | 3,532 |
| Net loans and leases to deposits | 72.6765% | 3,328 |
| Net loans and leases to core deposits | 79.9719% | 3,072 |
| Total domestic deposits to total assets | 83.3757% | 4,777 |
| Equity capital to assets | 8.9395% | 5,586 |
| Core capital (leverage) ratio | 8.8226% | 5,104 |
| Tier 1 risk-based capital ratio | 13.5721% | 4,778 |
| Total risk-based capital ratio | 14.8391% | 4,748 |
| Memoranda: | ||
| Average total assets | $136,592,500 | 4,098 |
| Average earning assets | $124,316,000 | 4,105 |
| Average equity | $12,346,000 | 4,545 |
| Average total loans | $84,933,500 | 3,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 4,502 |
| Cost of funding earning assets | 0.9704% | 3,578 |
| Net interest margin | 3.6698% | 4,431 |
| Noninterest income to average assets | 1.0425% | 1,245 |
| Noninterest expense to average assets | 4.5754% | 544 |
| Loan and lease loss provision to assets | 0.5900% | 1,755 |
| Net operating income to assets | -0.5338% | 6,511 |
| Return on assets (ROA) | -0.4477% | 6,503 |
| Pretax return on assets | -0.6746% | 6,588 |
| Return on Equity (ROE) | -5.0669% | 6,530 |
| Retained earnings to average equity (ytd only) | -5.0669% | 6,451 |
| Net charge-offs to loans | 1.0661% | 1,621 |
| Credit loss provision to net charge-offs | 87.5386% | 4,121 |
| Earnings coverage of net charge-offs (x) | -0.3193% | 6,017 |
| Efficiency ratio | 104.9347% | 540 |
| Assets per employee ($millions) | 2.7253% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4576% | 1,375 |
| Loan loss allowance to noncurrent loans | 72.3982% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 5.1033% | 1,035 |
| Noncurrent loans to loans | 3.3946% | 1,901 |
| Net loans and leases to total assets | 60.5834% | 3,876 |
| Net loans and leases to deposits | 73.0909% | 3,649 |
| Net loans and leases to core deposits | 85.9356% | 2,640 |
| Total domestic deposits to total assets | 82.8878% | 4,793 |
| Equity capital to assets | 9.1381% | 5,366 |
| Core capital (leverage) ratio | 8.7837% | 5,130 |
| Tier 1 risk-based capital ratio | 14.0902% | 4,263 |
| Total risk-based capital ratio | 15.3548% | 4,204 |
| Memoranda: | ||
| Average total assets | $144,076,000 | 3,909 |
| Average earning assets | $130,251,400 | 3,926 |
| Average equity | $12,729,600 | 4,388 |
| Average total loans | $91,080,000 | 3,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 4,864 |
| Cost of funding earning assets | 1.0272% | 3,485 |
| Net interest margin | 3.5731% | 4,876 |
| Noninterest income to average assets | 1.1130% | 1,075 |
| Noninterest expense to average assets | 4.4602% | 597 |
| Loan and lease loss provision to assets | 0.6391% | 1,537 |
| Net operating income to assets | -0.5022% | 6,637 |
| Return on assets (ROA) | -0.3890% | 6,625 |
| Pretax return on assets | -0.5880% | 6,671 |
| Return on Equity (ROE) | -4.4378% | 6,652 |
| Retained earnings to average equity (ytd only) | -4.4378% | 6,554 |
| Net charge-offs to loans | 1.0817% | 1,474 |
| Credit loss provision to net charge-offs | 93.0851% | 3,665 |
| Earnings coverage of net charge-offs (x) | -0.1755% | 5,708 |
| Efficiency ratio | 102.7772% | 586 |
| Assets per employee ($millions) | 2.6154% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 1,499 |
| Loan loss allowance to noncurrent loans | 74.3084% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 5.3305% | 1,063 |
| Noncurrent loans to loans | 3.2613% | 2,125 |
| Net loans and leases to total assets | 62.4212% | 3,625 |
| Net loans and leases to deposits | 73.8146% | 3,682 |
| Net loans and leases to core deposits | 87.0344% | 2,629 |
| Total domestic deposits to total assets | 84.5648% | 3,982 |
| Equity capital to assets | 9.1792% | 5,542 |
| Core capital (leverage) ratio | 9.0519% | 4,847 |
| Tier 1 risk-based capital ratio | 13.9221% | 4,408 |
| Total risk-based capital ratio | 15.1855% | 4,364 |
| Memoranda: | ||
| Average total assets | $146,028,750 | 3,892 |
| Average earning assets | $131,870,750 | 3,919 |
| Average equity | $12,799,000 | 4,380 |
| Average total loans | $92,691,500 | 3,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 5,114 |
| Cost of funding earning assets | 1.0939% | 3,290 |
| Net interest margin | 3.4723% | 5,282 |
| Noninterest income to average assets | 0.9333% | 1,518 |
| Noninterest expense to average assets | 4.2734% | 768 |
| Loan and lease loss provision to assets | 0.4040% | 2,410 |
| Net operating income to assets | -0.6020% | 6,760 |
| Return on assets (ROA) | -0.5603% | 6,756 |
| Pretax return on assets | -0.5603% | 6,693 |
| Return on Equity (ROE) | -6.4878% | 6,806 |
| Retained earnings to average equity (ytd only) | -6.4878% | 6,687 |
| Net charge-offs to loans | 0.6530% | 2,215 |
| Credit loss provision to net charge-offs | 97.7199% | 3,230 |
| Earnings coverage of net charge-offs (x) | -0.4788% | 5,516 |
| Efficiency ratio | 104.8579% | 589 |
| Assets per employee ($millions) | 2.5989% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 1,656 |
| Loan loss allowance to noncurrent loans | 61.1142% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 5.2784% | 1,149 |
| Noncurrent loans to loans | 3.8562% | 1,801 |
| Net loans and leases to total assets | 63.5959% | 3,554 |
| Net loans and leases to deposits | 75.2579% | 3,606 |
| Net loans and leases to core deposits | 91.9643% | 2,137 |
| Total domestic deposits to total assets | 84.5040% | 4,116 |
| Equity capital to assets | 8.9366% | 5,669 |
| Core capital (leverage) ratio | 8.6234% | 5,357 |
| Tier 1 risk-based capital ratio | 13.4028% | 4,607 |
| Total risk-based capital ratio | 14.6658% | 4,584 |
| Memoranda: | ||
| Average total assets | $148,499,000 | 3,874 |
| Average earning assets | $134,378,000 | 3,897 |
| Average equity | $12,824,000 | 4,382 |
| Average total loans | $94,030,000 | 3,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 5,820 |
| Cost of funding earning assets | 1.1420% | 3,214 |
| Net interest margin | 3.2190% | 6,015 |
| Noninterest income to average assets | 1.0021% | 1,319 |
| Noninterest expense to average assets | 4.0825% | 944 |
| Loan and lease loss provision to assets | 0.3966% | 2,211 |
| Net operating income to assets | -0.5500% | 6,834 |
| Return on assets (ROA) | -0.5500% | 6,838 |
| Pretax return on assets | -0.5553% | 6,783 |
| Return on Equity (ROE) | -6.4752% | 6,892 |
| Retained earnings to average equity (ytd only) | -6.4752% | 6,633 |
| Net charge-offs to loans | 0.3725% | 2,576 |
| Credit loss provision to net charge-offs | 170.4545% | 1,692 |
| Earnings coverage of net charge-offs (x) | -0.6818% | 4,845 |
| Efficiency ratio | 104.0431% | 625 |
| Assets per employee ($millions) | 2.9457% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4273% | 1,569 |
| Loan loss allowance to noncurrent loans | 74.9338% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 4.9270% | 1,280 |
| Noncurrent loans to loans | 3.2393% | 2,322 |
| Net loans and leases to total assets | 60.5506% | 4,161 |
| Net loans and leases to deposits | 71.8391% | 4,092 |
| Net loans and leases to core deposits | 86.6765% | 2,776 |
| Total domestic deposits to total assets | 84.2864% | 4,373 |
| Equity capital to assets | 8.5148% | 5,885 |
| Core capital (leverage) ratio | 8.5245% | 5,406 |
| Tier 1 risk-based capital ratio | 13.6019% | 4,358 |
| Total risk-based capital ratio | 14.8663% | 4,316 |
| Memoranda: | ||
| Average total assets | $151,278,500 | 3,860 |
| Average earning assets | $137,308,000 | 3,873 |
| Average equity | $12,849,000 | 4,377 |
| Average total loans | $94,496,000 | 3,870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 3,575 |
| Cost of funding earning assets | 1.2719% | 4,072 |
| Net interest margin | 3.9347% | 3,320 |
| Noninterest income to average assets | 1.0979% | 1,233 |
| Noninterest expense to average assets | 4.2502% | 855 |
| Loan and lease loss provision to assets | 0.6823% | 2,416 |
| Net operating income to assets | -0.1928% | 6,108 |
| Return on assets (ROA) | 0.0587% | 5,828 |
| Pretax return on assets | 0.0826% | 5,731 |
| Return on Equity (ROE) | 0.6835% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.6835% | 5,222 |
| Net charge-offs to loans | 1.1467% | 1,943 |
| Credit loss provision to net charge-offs | 84.0336% | 5,385 |
| Earnings coverage of net charge-offs (x) | 0.5059% | 5,609 |
| Efficiency ratio | 91.1872% | 1,236 |
| Assets per employee ($millions) | 2.9293% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2984% | 1,695 |
| Loan loss allowance to noncurrent loans | 94.5447% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 4.2731% | 1,562 |
| Noncurrent loans to loans | 2.4310% | 3,088 |
| Net loans and leases to total assets | 61.4224% | 4,413 |
| Net loans and leases to deposits | 73.4566% | 4,285 |
| Net loans and leases to core deposits | 92.2501% | 2,475 |
| Total domestic deposits to total assets | 83.6172% | 4,545 |
| Equity capital to assets | 8.4727% | 5,890 |
| Core capital (leverage) ratio | 8.6498% | 5,106 |
| Tier 1 risk-based capital ratio | 13.1422% | 4,491 |
| Total risk-based capital ratio | 14.4038% | 4,441 |
| Memoranda: | ||
| Average total assets | $146,557,400 | 3,935 |
| Average earning assets | $132,717,400 | 3,961 |
| Average equity | $12,581,400 | 4,465 |
| Average total loans | $103,778,200 | 3,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 3,392 |
| Cost of funding earning assets | 1.2881% | 4,305 |
| Net interest margin | 4.0033% | 3,093 |
| Noninterest income to average assets | 1.0281% | 1,385 |
| Noninterest expense to average assets | 4.2632% | 765 |
| Loan and lease loss provision to assets | 0.7442% | 2,055 |
| Net operating income to assets | -0.2331% | 6,360 |
| Return on assets (ROA) | 0.0763% | 5,973 |
| Pretax return on assets | 0.1176% | 5,887 |
| Return on Equity (ROE) | 0.8853% | 5,921 |
| Retained earnings to average equity (ytd only) | 0.8853% | 5,449 |
| Net charge-offs to loans | 1.1898% | 1,715 |
| Credit loss provision to net charge-offs | 85.8051% | 4,926 |
| Earnings coverage of net charge-offs (x) | 0.4449% | 5,581 |
| Efficiency ratio | 91.6996% | 1,153 |
| Assets per employee ($millions) | 3.3591% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 1,808 |
| Loan loss allowance to noncurrent loans | 81.4801% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 3.8125% | 1,863 |
| Noncurrent loans to loans | 2.6999% | 2,933 |
| Net loans and leases to total assets | 66.3800% | 3,600 |
| Net loans and leases to deposits | 78.1105% | 3,807 |
| Net loans and leases to core deposits | 98.0084% | 2,042 |
| Total domestic deposits to total assets | 84.9821% | 3,624 |
| Equity capital to assets | 8.6637% | 6,083 |
| Core capital (leverage) ratio | 9.0673% | 4,573 |
| Tier 1 risk-based capital ratio | 12.6161% | 4,879 |
| Total risk-based capital ratio | 13.8780% | 4,851 |
| Memoranda: | ||
| Average total assets | $145,115,750 | 4,018 |
| Average earning assets | $131,254,000 | 4,040 |
| Average equity | $12,500,250 | 4,549 |
| Average total loans | $105,782,250 | 3,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3927% | 3,006 |
| Cost of funding earning assets | 1.3424% | 4,239 |
| Net interest margin | 4.0503% | 2,788 |
| Noninterest income to average assets | 0.9378% | 1,554 |
| Noninterest expense to average assets | 4.2949% | 730 |
| Loan and lease loss provision to assets | 0.8386% | 1,732 |
| Net operating income to assets | -0.5563% | 6,702 |
| Return on assets (ROA) | -0.5297% | 6,712 |
| Pretax return on assets | -0.5171% | 6,604 |
| Return on Equity (ROE) | -6.1618% | 6,780 |
| Retained earnings to average equity (ytd only) | -6.1618% | 6,669 |
| Net charge-offs to loans | 1.6847% | 1,111 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.2344% | 5,495 |
| Efficiency ratio | 93.5749% | 1,088 |
| Assets per employee ($millions) | 2.7450% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 2,222 |
| Loan loss allowance to noncurrent loans | 97.0302% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 4.9901% | 1,292 |
| Noncurrent loans to loans | 2.0459% | 3,658 |
| Net loans and leases to total assets | 73.7464% | 1,968 |
| Net loans and leases to deposits | 89.1370% | 1,983 |
| Net loans and leases to core deposits | 113.7077% | 928 |
| Total domestic deposits to total assets | 82.7338% | 4,677 |
| Equity capital to assets | 9.2203% | 5,113 |
| Core capital (leverage) ratio | 9.0365% | 4,551 |
| Tier 1 risk-based capital ratio | 12.1138% | 5,206 |
| Total risk-based capital ratio | 13.3737% | 5,175 |
| Memoranda: | ||
| Average total assets | $143,101,000 | 4,072 |
| Average earning assets | $129,027,330 | 4,110 |
| Average equity | $12,301,670 | 4,593 |
| Average total loans | $106,844,000 | 3,701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 3,773 |
| Cost of funding earning assets | 1.3799% | 4,308 |
| Net interest margin | 3.8729% | 3,443 |
| Noninterest income to average assets | 1.0646% | 1,121 |
| Noninterest expense to average assets | 4.1755% | 833 |
| Loan and lease loss provision to assets | 0.4148% | 2,888 |
| Net operating income to assets | -0.0235% | 6,340 |
| Return on assets (ROA) | 0.0138% | 6,361 |
| Pretax return on assets | 0.0194% | 6,315 |
| Return on Equity (ROE) | 0.1667% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.1667% | 5,756 |
| Net charge-offs to loans | 1.2305% | 1,380 |
| Credit loss provision to net charge-offs | 45.3172% | 4,552 |
| Earnings coverage of net charge-offs (x) | 0.4169% | 4,660 |
| Efficiency ratio | 91.6262% | 1,304 |
| Assets per employee ($millions) | 2.4509% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 2,026 |
| Loan loss allowance to noncurrent loans | 53.2402% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 6.2468% | 935 |
| Noncurrent loans to loans | 3.8830% | 2,035 |
| Net loans and leases to total assets | 74.9383% | 1,755 |
| Net loans and leases to deposits | 90.5992% | 1,817 |
| Net loans and leases to core deposits | 107.5154% | 1,460 |
| Total domestic deposits to total assets | 82.7140% | 4,752 |
| Equity capital to assets | 8.8445% | 5,476 |
| Core capital (leverage) ratio | 8.8094% | 4,844 |
| Tier 1 risk-based capital ratio | 11.7015% | 5,492 |
| Total risk-based capital ratio | 12.9618% | 5,427 |
| Memoranda: | ||
| Average total assets | $144,653,500 | 4,118 |
| Average earning assets | $130,446,500 | 4,141 |
| Average equity | $11,998,500 | 4,717 |
| Average total loans | $107,599,500 | 3,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 2,732 |
| Cost of funding earning assets | 1.7981% | 4,002 |
| Net interest margin | 3.9842% | 2,918 |
| Noninterest income to average assets | 1.3267% | 850 |
| Noninterest expense to average assets | 4.5528% | 756 |
| Loan and lease loss provision to assets | 0.9211% | 2,434 |
| Net operating income to assets | -0.3274% | 6,006 |
| Return on assets (ROA) | -0.2800% | 5,943 |
| Pretax return on assets | -0.4380% | 5,954 |
| Return on Equity (ROE) | -3.5317% | 6,060 |
| Retained earnings to average equity (ytd only) | -6.1827% | 6,164 |
| Net charge-offs to loans | 0.4798% | 3,862 |
| Credit loss provision to net charge-offs | 243.6567% | 1,459 |
| Earnings coverage of net charge-offs (x) | 1.0821% | 5,030 |
| Efficiency ratio | 91.7555% | 1,583 |
| Assets per employee ($millions) | 2.5357% | 7,140 |
| Cash dividends to net income (ytd only)* | -75.0630% | 7,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,637 |
| Loan loss allowance to noncurrent loans | 57.0508% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 5.2826% | 1,123 |
| Noncurrent loans to loans | 3.8699% | 1,922 |
| Net loans and leases to total assets | 70.7916% | 3,053 |
| Net loans and leases to deposits | 83.8230% | 3,309 |
| Net loans and leases to core deposits | 102.3533% | 3,765 |
| Total domestic deposits to total assets | 84.4536% | 3,818 |
| Equity capital to assets | 7.7812% | 6,786 |
| Core capital (leverage) ratio | 8.3713% | 5,500 |
| Tier 1 risk-based capital ratio | 10.7731% | 6,133 |
| Total risk-based capital ratio | 12.0353% | 6,099 |
| Memoranda: | ||
| Average total assets | $141,780,200 | 4,082 |
| Average earning assets | $129,360,600 | 4,100 |
| Average equity | $11,241,000 | 4,963 |
| Average total loans | $111,707,400 | 3,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 2,552 |
| Cost of funding earning assets | 1.9111% | 3,822 |
| Net interest margin | 3.9651% | 2,965 |
| Noninterest income to average assets | 1.3312% | 868 |
| Noninterest expense to average assets | 4.4893% | 754 |
| Loan and lease loss provision to assets | 0.4291% | 3,756 |
| Net operating income to assets | 0.0255% | 5,660 |
| Return on assets (ROA) | 0.0906% | 5,544 |
| Pretax return on assets | 0.1392% | 5,439 |
| Return on Equity (ROE) | 1.1369% | 5,446 |
| Retained earnings to average equity (ytd only) | -1.5558% | 5,624 |
| Net charge-offs to loans | 0.5970% | 2,887 |
| Credit loss provision to net charge-offs | 89.2857% | 5,504 |
| Earnings coverage of net charge-offs (x) | 0.9742% | 5,084 |
| Efficiency ratio | 90.5559% | 1,637 |
| Assets per employee ($millions) | 2.3197% | 7,476 |
| Cash dividends to net income (ytd only)* | 236.8467% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,713 |
| Loan loss allowance to noncurrent loans | 43.8444% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 5.6779% | 982 |
| Noncurrent loans to loans | 3.2958% | 2,288 |
| Net loans and leases to total assets | 78.0883% | 1,552 |
| Net loans and leases to deposits | 93.8644% | 1,906 |
| Net loans and leases to core deposits | 117.8246% | 2,435 |
| Total domestic deposits to total assets | 83.1927% | 4,122 |
| Equity capital to assets | 8.9659% | 5,531 |
| Core capital (leverage) ratio | 8.8545% | 4,889 |
| Tier 1 risk-based capital ratio | 11.5400% | 5,393 |
| Total risk-based capital ratio | 12.7927% | 5,339 |
| Memoranda: | ||
| Average total assets | $139,824,250 | 4,143 |
| Average earning assets | $127,879,000 | 4,154 |
| Average equity | $11,141,000 | 5,035 |
| Average total loans | $112,559,750 | 3,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7517% | 3,288 |
| Cost of funding earning assets | 2.0074% | 3,735 |
| Net interest margin | 3.7442% | 3,773 |
| Noninterest income to average assets | 1.2527% | 977 |
| Noninterest expense to average assets | 4.3661% | 880 |
| Loan and lease loss provision to assets | 0.2557% | 4,529 |
| Net operating income to assets | 0.0454% | 5,716 |
| Return on assets (ROA) | 0.0795% | 5,715 |
| Pretax return on assets | 0.1221% | 5,621 |
| Return on Equity (ROE) | 1.0405% | 5,626 |
| Retained earnings to average equity (ytd only) | -3.1400% | 5,991 |
| Net charge-offs to loans | 0.3721% | 3,329 |
| Credit loss provision to net charge-offs | 84.9057% | 5,063 |
| Earnings coverage of net charge-offs (x) | 1.0802% | 4,707 |
| Efficiency ratio | 93.0669% | 1,562 |
| Assets per employee ($millions) | 2.5543% | 7,138 |
| Cash dividends to net income (ytd only)* | 401.7857% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,469 |
| Loan loss allowance to noncurrent loans | 33.8229% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 5.6866% | 874 |
| Noncurrent loans to loans | 4.2852% | 1,532 |
| Net loans and leases to total assets | 76.9068% | 1,967 |
| Net loans and leases to deposits | 93.4087% | 2,188 |
| Net loans and leases to core deposits | 116.1763% | 2,695 |
| Total domestic deposits to total assets | 82.3336% | 4,554 |
| Equity capital to assets | 7.5587% | 7,216 |
| Core capital (leverage) ratio | 7.6750% | 6,792 |
| Tier 1 risk-based capital ratio | 9.9927% | 6,938 |
| Total risk-based capital ratio | 11.2455% | 6,864 |
| Memoranda: | ||
| Average total assets | $140,811,330 | 4,158 |
| Average earning assets | $129,318,670 | 4,148 |
| Average equity | $10,764,330 | 5,148 |
| Average total loans | $113,932,670 | 3,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 3,832 |
| Cost of funding earning assets | 2.1652% | 3,342 |
| Net interest margin | 3.5296% | 4,616 |
| Noninterest income to average assets | 1.0981% | 1,238 |
| Noninterest expense to average assets | 4.3044% | 850 |
| Loan and lease loss provision to assets | 0.2554% | 3,923 |
| Net operating income to assets | -0.1761% | 6,518 |
| Return on assets (ROA) | -0.0880% | 6,510 |
| Pretax return on assets | -0.1050% | 6,483 |
| Return on Equity (ROE) | -1.1442% | 6,562 |
| Retained earnings to average equity (ytd only) | -9.4491% | 7,053 |
| Net charge-offs to loans | 0.1034% | 4,145 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 0.5333% | 4,565 |
| Efficiency ratio | 98.9563% | 1,177 |
| Assets per employee ($millions) | 2.5037% | 7,273 |
| Cash dividends to net income (ytd only)* | -725.8065% | 8,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,105 |
| Loan loss allowance to noncurrent loans | 42.6109% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 4.9990% | 901 |
| Noncurrent loans to loans | 3.4666% | 1,837 |
| Net loans and leases to total assets | 79.9668% | 1,393 |
| Net loans and leases to deposits | 96.7694% | 1,828 |
| Net loans and leases to core deposits | 126.0912% | 1,911 |
| Total domestic deposits to total assets | 82.6364% | 4,319 |
| Equity capital to assets | 7.6408% | 7,230 |
| Core capital (leverage) ratio | 7.4485% | 7,219 |
| Tier 1 risk-based capital ratio | 9.5724% | 7,368 |
| Total risk-based capital ratio | 10.8263% | 7,298 |
| Memoranda: | ||
| Average total assets | $140,973,500 | 4,169 |
| Average earning assets | $129,874,000 | 4,158 |
| Average equity | $10,837,000 | 5,150 |
| Average total loans | $116,082,500 | 3,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6171% | 2,402 |
| Cost of funding earning assets | 2.7658% | 2,853 |
| Net interest margin | 3.8513% | 3,789 |
| Noninterest income to average assets | 1.2073% | 1,021 |
| Noninterest expense to average assets | 4.0225% | 1,383 |
| Loan and lease loss provision to assets | 0.2042% | 4,846 |
| Net operating income to assets | 0.3697% | 5,270 |
| Return on assets (ROA) | 0.4104% | 4,927 |
| Pretax return on assets | 0.6047% | 4,679 |
| Return on Equity (ROE) | 5.5023% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.1621% | 2,539 |
| Net charge-offs to loans | 0.3373% | 3,143 |
| Credit loss provision to net charge-offs | 73.6041% | 6,020 |
| Earnings coverage of net charge-offs (x) | 2.7005% | 4,728 |
| Efficiency ratio | 84.3022% | 2,022 |
| Assets per employee ($millions) | 2.7258% | 6,726 |
| Cash dividends to net income (ytd only)* | 24.3568% | 4,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 3,362 |
| Loan loss allowance to noncurrent loans | 95.2969% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 2,471 |
| Noncurrent loans to loans | 1.4371% | 3,647 |
| Net loans and leases to total assets | 82.3649% | 1,160 |
| Net loans and leases to deposits | 98.6272% | 2,030 |
| Net loans and leases to core deposits | 137.6049% | 1,401 |
| Total domestic deposits to total assets | 83.5114% | 3,568 |
| Equity capital to assets | 7.7332% | 7,171 |
| Core capital (leverage) ratio | 7.4923% | 7,213 |
| Tier 1 risk-based capital ratio | 9.5711% | 7,229 |
| Total risk-based capital ratio | 10.8234% | 7,133 |
| Memoranda: | ||
| Average total assets | $142,049,600 | 4,045 |
| Average earning assets | $131,463,000 | 4,023 |
| Average equity | $10,595,600 | 5,242 |
| Average total loans | $116,805,400 | 3,527 |