Home > Marshall County State Bank > Performance and Condition Ratios
Marshall County State Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,481 |
| Cost of funding earning assets | 0.4450% | 3,386 |
| Net interest margin | 3.3673% | 4,328 |
| Noninterest income to average assets | 0.1706% | 5,930 |
| Noninterest expense to average assets | 5.5789% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.1818% | 6,599 |
| Return on assets (ROA) | -2.1534% | 6,598 |
| Pretax return on assets | -2.1534% | 6,592 |
| Return on Equity (ROE) | -21.9063% | 6,581 |
| Retained earnings to average equity (ytd only) | -21.9063% | 6,543 |
| Net charge-offs to loans | 0.1684% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -18.0588% | 4,333 |
| Efficiency ratio | 164.2259% | 43 |
| Assets per employee ($millions) | 2.0136% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 1,790 |
| Loan loss allowance to noncurrent loans | 298.2906% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 4,765 |
| Noncurrent loans to loans | 0.6104% | 4,196 |
| Net loans and leases to total assets | 66.7553% | 2,625 |
| Net loans and leases to deposits | 74.0527% | 3,308 |
| Net loans and leases to core deposits | 76.9284% | 3,545 |
| Total domestic deposits to total assets | 90.1458% | 740 |
| Equity capital to assets | 9.2476% | 5,041 |
| Core capital (leverage) ratio | 9.3341% | 4,546 |
| Tier 1 risk-based capital ratio | 15.3984% | 3,413 |
| Total risk-based capital ratio | 16.6607% | 3,347 |
| Memoranda: | ||
| Average total assets | $28,141,670 | 6,425 |
| Average earning assets | $26,965,000 | 6,377 |
| Average equity | $2,766,330 | 6,436 |
| Average total loans | $20,194,000 | 6,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,959 |
| Cost of funding earning assets | 0.4731% | 3,197 |
| Net interest margin | 3.4594% | 3,863 |
| Noninterest income to average assets | 0.0427% | 6,501 |
| Noninterest expense to average assets | 5.1926% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.8210% | 6,650 |
| Return on assets (ROA) | -1.8210% | 6,646 |
| Pretax return on assets | -1.8210% | 6,631 |
| Return on Equity (ROE) | -17.9902% | 6,618 |
| Retained earnings to average equity (ytd only) | -17.9902% | 6,507 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.0084% | 55 |
| Assets per employee ($millions) | 1.9871% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,842 |
| Loan loss allowance to noncurrent loans | 469.2308% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 5,320 |
| Noncurrent loans to loans | 0.3984% | 4,941 |
| Net loans and leases to total assets | 69.0607% | 2,047 |
| Net loans and leases to deposits | 77.3555% | 2,649 |
| Net loans and leases to core deposits | 80.4321% | 2,918 |
| Total domestic deposits to total assets | 89.2771% | 1,486 |
| Equity capital to assets | 10.0004% | 3,842 |
| Core capital (leverage) ratio | 9.6685% | 4,034 |
| Tier 1 risk-based capital ratio | 16.6276% | 2,840 |
| Total risk-based capital ratio | 17.8844% | 2,809 |
| Memoranda: | ||
| Average total assets | $28,117,000 | 6,492 |
| Average earning assets | $27,056,500 | 6,437 |
| Average equity | $2,846,000 | 6,481 |
| Average total loans | $20,707,000 | 6,104 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,455 |
| Cost of funding earning assets | 0.4904% | 3,705 |
| Net interest margin | 3.4118% | 4,233 |
| Noninterest income to average assets | 1.3096% | 803 |
| Noninterest expense to average assets | 8.2847% | 109 |
| Loan and lease loss provision to assets | 0.4677% | 604 |
| Net operating income to assets | -4.2374% | 6,791 |
| Return on assets (ROA) | -4.2374% | 6,791 |
| Pretax return on assets | -4.3840% | 6,793 |
| Return on Equity (ROE) | -41.2844% | 6,763 |
| Retained earnings to average equity (ytd only) | -41.2844% | 6,760 |
| Net charge-offs to loans | 0.5564% | 1,189 |
| Credit loss provision to net charge-offs | 127.1186% | 1,854 |
| Earnings coverage of net charge-offs (x) | -10.6441% | 5,428 |
| Efficiency ratio | 141.2562% | 79 |
| Assets per employee ($millions) | 1.8943% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,476 |
| Loan loss allowance to noncurrent loans | 610.0000% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 5,320 |
| Noncurrent loans to loans | 0.2748% | 5,350 |
| Net loans and leases to total assets | 75.5587% | 1,136 |
| Net loans and leases to deposits | 84.8818% | 1,823 |
| Net loans and leases to core deposits | 88.1689% | 2,231 |
| Total domestic deposits to total assets | 89.0164% | 1,610 |
| Equity capital to assets | 10.2411% | 3,452 |
| Core capital (leverage) ratio | 9.3974% | 4,417 |
| Tier 1 risk-based capital ratio | 16.1756% | 3,014 |
| Total risk-based capital ratio | 17.4280% | 2,968 |
| Memoranda: | ||
| Average total assets | $32,071,200 | 6,480 |
| Average earning assets | $28,753,000 | 6,473 |
| Average equity | $3,291,800 | 6,473 |
| Average total loans | $21,207,000 | 6,141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 4,689 |
| Cost of funding earning assets | 0.4906% | 3,860 |
| Net interest margin | 3.3515% | 4,459 |
| Noninterest income to average assets | 1.6087% | 568 |
| Noninterest expense to average assets | 7.6477% | 127 |
| Loan and lease loss provision to assets | 0.2021% | 1,797 |
| Net operating income to assets | -3.1003% | 6,853 |
| Return on assets (ROA) | -3.1003% | 6,852 |
| Pretax return on assets | -3.2862% | 6,852 |
| Return on Equity (ROE) | -30.1909% | 6,813 |
| Retained earnings to average equity (ytd only) | -30.1909% | 6,807 |
| Net charge-offs to loans | 0.5511% | 1,154 |
| Credit loss provision to net charge-offs | 57.4713% | 3,348 |
| Earnings coverage of net charge-offs (x) | -8.7699% | 5,159 |
| Efficiency ratio | 122.4092% | 157 |
| Assets per employee ($millions) | 1.9226% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,674 |
| Loan loss allowance to noncurrent loans | 495.0000% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,887 |
| Noncurrent loans to loans | 0.2935% | 5,499 |
| Net loans and leases to total assets | 61.6338% | 3,432 |
| Net loans and leases to deposits | 68.9472% | 3,942 |
| Net loans and leases to core deposits | 71.2467% | 4,187 |
| Total domestic deposits to total assets | 89.3927% | 1,363 |
| Equity capital to assets | 9.9434% | 3,981 |
| Core capital (leverage) ratio | 9.5071% | 4,395 |
| Tier 1 risk-based capital ratio | 17.0105% | 2,698 |
| Total risk-based capital ratio | 18.2806% | 2,657 |
| Memoranda: | ||
| Average total assets | $32,985,250 | 6,533 |
| Average earning assets | $29,080,500 | 6,538 |
| Average equity | $3,387,250 | 6,530 |
| Average total loans | $21,049,750 | 6,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 5,175 |
| Cost of funding earning assets | 0.4870% | 4,019 |
| Net interest margin | 3.2025% | 4,939 |
| Noninterest income to average assets | 2.2004% | 390 |
| Noninterest expense to average assets | 8.6141% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.2280% | 6,903 |
| Return on assets (ROA) | -3.2280% | 6,903 |
| Pretax return on assets | -3.5121% | 6,906 |
| Return on Equity (ROE) | -31.1098% | 6,865 |
| Retained earnings to average equity (ytd only) | -31.1098% | 6,852 |
| Net charge-offs to loans | 0.7811% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 4,844 |
| Efficiency ratio | 109.3602% | 289 |
| Assets per employee ($millions) | 2.4211% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,208 |
| Loan loss allowance to noncurrent loans | 200.8000% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 5,290 |
| Noncurrent loans to loans | 0.5760% | 4,820 |
| Net loans and leases to total assets | 68.1578% | 2,201 |
| Net loans and leases to deposits | 76.3688% | 2,823 |
| Net loans and leases to core deposits | 79.0013% | 3,168 |
| Total domestic deposits to total assets | 89.2483% | 1,482 |
| Equity capital to assets | 10.1195% | 3,767 |
| Core capital (leverage) ratio | 8.9741% | 5,035 |
| Tier 1 risk-based capital ratio | 15.8343% | 3,298 |
| Total risk-based capital ratio | 17.1371% | 3,209 |
| Memoranda: | ||
| Average total assets | $33,085,330 | 6,579 |
| Average earning assets | $29,977,000 | 6,561 |
| Average equity | $3,433,000 | 6,574 |
| Average total loans | $21,252,330 | 6,245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 5,469 |
| Cost of funding earning assets | 0.5040% | 4,045 |
| Net interest margin | 3.0888% | 5,304 |
| Noninterest income to average assets | 3.4463% | 212 |
| Noninterest expense to average assets | 11.0826% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -4.2607% | 6,987 |
| Return on assets (ROA) | -4.2607% | 6,986 |
| Pretax return on assets | -4.8154% | 6,997 |
| Return on Equity (ROE) | -40.5960% | 6,957 |
| Retained earnings to average equity (ytd only) | -40.5960% | 6,938 |
| Net charge-offs to loans | 1.2365% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -6.2769% | 4,083 |
| Efficiency ratio | 83.8041% | 1,792 |
| Assets per employee ($millions) | 3.2861% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,875 |
| Loan loss allowance to noncurrent loans | 256.1905% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 5,765 |
| Noncurrent loans to loans | 0.4932% | 5,196 |
| Net loans and leases to total assets | 53.3081% | 4,516 |
| Net loans and leases to deposits | 59.7442% | 4,824 |
| Net loans and leases to core deposits | 61.3770% | 5,009 |
| Total domestic deposits to total assets | 89.2273% | 1,537 |
| Equity capital to assets | 8.5816% | 5,936 |
| Core capital (leverage) ratio | 7.6730% | 6,370 |
| Tier 1 risk-based capital ratio | 15.1941% | 3,712 |
| Total risk-based capital ratio | 16.4900% | 3,636 |
| Memoranda: | ||
| Average total assets | $33,891,000 | 6,619 |
| Average earning assets | $30,951,000 | 6,602 |
| Average equity | $3,557,000 | 6,617 |
| Average total loans | $21,027,000 | 6,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 5,994 |
| Cost of funding earning assets | 0.5741% | 4,594 |
| Net interest margin | 3.1558% | 5,674 |
| Noninterest income to average assets | 1.4302% | 766 |
| Noninterest expense to average assets | 4.3147% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1347% | 5,928 |
| Return on assets (ROA) | 0.1382% | 6,074 |
| Pretax return on assets | 0.1002% | 6,160 |
| Return on Equity (ROE) | 1.0624% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.0624% | 5,344 |
| Net charge-offs to loans | -0.1282% | 6,879 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3015% | 735 |
| Assets per employee ($millions) | 2.5772% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,273 |
| Loan loss allowance to noncurrent loans | 221.1921% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 5,147 |
| Noncurrent loans to loans | 0.7272% | 4,728 |
| Net loans and leases to total assets | 72.0660% | 1,476 |
| Net loans and leases to deposits | 84.0464% | 1,750 |
| Net loans and leases to core deposits | 87.3824% | 2,155 |
| Total domestic deposits to total assets | 85.7455% | 3,490 |
| Equity capital to assets | 13.1574% | 1,372 |
| Core capital (leverage) ratio | 10.8689% | 2,371 |
| Tier 1 risk-based capital ratio | 17.1490% | 2,584 |
| Total risk-based capital ratio | 18.0797% | 2,696 |
| Memoranda: | ||
| Average total assets | $28,947,600 | 6,777 |
| Average earning assets | $27,346,400 | 6,727 |
| Average equity | $3,765,000 | 6,618 |
| Average total loans | $17,938,400 | 6,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 6,301 |
| Cost of funding earning assets | 0.5765% | 4,860 |
| Net interest margin | 3.0812% | 5,980 |
| Noninterest income to average assets | 1.7825% | 501 |
| Noninterest expense to average assets | 4.3714% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3620% | 5,397 |
| Return on assets (ROA) | 0.3666% | 5,583 |
| Pretax return on assets | 0.3299% | 5,898 |
| Return on Equity (ROE) | 2.8264% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.8264% | 4,857 |
| Net charge-offs to loans | -0.1083% | 6,873 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7317% | 986 |
| Assets per employee ($millions) | 2.5620% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,915 |
| Loan loss allowance to noncurrent loans | 215.2318% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 5,340 |
| Noncurrent loans to loans | 0.8204% | 4,777 |
| Net loans and leases to total assets | 64.1580% | 3,003 |
| Net loans and leases to deposits | 76.0825% | 2,971 |
| Net loans and leases to core deposits | 79.1741% | 3,304 |
| Total domestic deposits to total assets | 84.3269% | 4,066 |
| Equity capital to assets | 13.3844% | 1,397 |
| Core capital (leverage) ratio | 10.8539% | 2,544 |
| Tier 1 risk-based capital ratio | 23.6261% | 1,073 |
| Total risk-based capital ratio | 24.8762% | 1,050 |
| Memoranda: | ||
| Average total assets | $29,097,250 | 6,864 |
| Average earning assets | $27,521,500 | 6,814 |
| Average equity | $3,773,750 | 6,698 |
| Average total loans | $17,232,000 | 6,629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 6,458 |
| Cost of funding earning assets | 0.5892% | 4,995 |
| Net interest margin | 3.0324% | 6,168 |
| Noninterest income to average assets | 2.4284% | 309 |
| Noninterest expense to average assets | 4.3942% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9319% | 2,753 |
| Return on assets (ROA) | 0.9319% | 3,017 |
| Pretax return on assets | 0.9047% | 4,063 |
| Return on Equity (ROE) | 7.2596% | 3,641 |
| Retained earnings to average equity (ytd only) | 7.2596% | 1,976 |
| Net charge-offs to loans | 0.0594% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,159 |
| Efficiency ratio | 80.8729% | 2,052 |
| Assets per employee ($millions) | 2.4666% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 3,174 |
| Loan loss allowance to noncurrent loans | 202.6490% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 5,329 |
| Noncurrent loans to loans | 0.8452% | 4,825 |
| Net loans and leases to total assets | 59.3263% | 3,939 |
| Net loans and leases to deposits | 69.6936% | 3,941 |
| Net loans and leases to core deposits | 72.3587% | 4,256 |
| Total domestic deposits to total assets | 85.1245% | 3,803 |
| Equity capital to assets | 12.9025% | 1,565 |
| Core capital (leverage) ratio | 10.2865% | 3,062 |
| Tier 1 risk-based capital ratio | 23.1439% | 1,113 |
| Total risk-based capital ratio | 24.2727% | 1,110 |
| Memoranda: | ||
| Average total assets | $29,402,330 | 6,906 |
| Average earning assets | $27,832,670 | 6,857 |
| Average equity | $3,774,330 | 6,735 |
| Average total loans | $16,840,670 | 6,700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 6,584 |
| Cost of funding earning assets | 0.6061% | 5,082 |
| Net interest margin | 2.9872% | 6,316 |
| Noninterest income to average assets | 3.5627% | 189 |
| Noninterest expense to average assets | 4.4636% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9520% | 461 |
| Return on assets (ROA) | 1.9520% | 527 |
| Pretax return on assets | 1.9247% | 836 |
| Return on Equity (ROE) | 15.2452% | 930 |
| Retained earnings to average equity (ytd only) | 15.2452% | 432 |
| Net charge-offs to loans | 0.4900% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.0500% | 2,120 |
| Efficiency ratio | 68.1624% | 4,140 |
| Assets per employee ($millions) | 2.9385% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 3,122 |
| Loan loss allowance to noncurrent loans | 107.3801% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 4,414 |
| Noncurrent loans to loans | 1.6399% | 3,641 |
| Net loans and leases to total assets | 50.2227% | 5,274 |
| Net loans and leases to deposits | 57.8773% | 5,388 |
| Net loans and leases to core deposits | 59.8577% | 5,543 |
| Total domestic deposits to total assets | 86.7745% | 3,083 |
| Equity capital to assets | 11.8086% | 2,180 |
| Core capital (leverage) ratio | 9.3988% | 4,195 |
| Tier 1 risk-based capital ratio | 18.5379% | 2,134 |
| Total risk-based capital ratio | 19.4062% | 2,213 |
| Memoranda: | ||
| Average total assets | $29,304,000 | 6,962 |
| Average earning assets | $27,718,500 | 6,915 |
| Average equity | $3,752,000 | 6,786 |
| Average total loans | $16,328,000 | 6,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 7,024 |
| Cost of funding earning assets | 0.8673% | 4,340 |
| Net interest margin | 2.5794% | 7,014 |
| Noninterest income to average assets | 0.7682% | 2,243 |
| Noninterest expense to average assets | 3.4675% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2089% | 6,270 |
| Return on assets (ROA) | -0.1374% | 6,264 |
| Pretax return on assets | -0.1762% | 6,270 |
| Return on Equity (ROE) | -1.0505% | 6,248 |
| Retained earnings to average equity (ytd only) | -1.0505% | 6,014 |
| Net charge-offs to loans | -0.6393% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8458% | 542 |
| Assets per employee ($millions) | 2.6284% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 2,481 |
| Loan loss allowance to noncurrent loans | 72.4942% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.9061% | 3,100 |
| Noncurrent loans to loans | 2.6595% | 2,446 |
| Net loans and leases to total assets | 60.1887% | 3,958 |
| Net loans and leases to deposits | 70.7735% | 3,985 |
| Net loans and leases to core deposits | 74.7107% | 4,148 |
| Total domestic deposits to total assets | 85.0441% | 3,818 |
| Equity capital to assets | 14.0275% | 1,048 |
| Core capital (leverage) ratio | 11.0452% | 2,240 |
| Tier 1 risk-based capital ratio | 18.9726% | 1,903 |
| Total risk-based capital ratio | 19.9660% | 1,945 |
| Memoranda: | ||
| Average total assets | $28,377,600 | 7,014 |
| Average earning assets | $26,750,800 | 6,964 |
| Average equity | $3,712,600 | 6,825 |
| Average total loans | $13,138,600 | 6,987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 7,147 |
| Cost of funding earning assets | 0.8903% | 4,470 |
| Net interest margin | 2.4850% | 7,139 |
| Noninterest income to average assets | 0.8904% | 1,685 |
| Noninterest expense to average assets | 3.4462% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1355% | 6,319 |
| Return on assets (ROA) | -0.0646% | 6,336 |
| Pretax return on assets | -0.1015% | 6,336 |
| Return on Equity (ROE) | -0.5020% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.5020% | 6,067 |
| Net charge-offs to loans | -0.6564% | 7,362 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1384% | 576 |
| Assets per employee ($millions) | 3.4618% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,872 |
| Loan loss allowance to noncurrent loans | 74.4186% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5960% | 3,695 |
| Noncurrent loans to loans | 2.9479% | 2,362 |
| Net loans and leases to total assets | 46.3638% | 6,110 |
| Net loans and leases to deposits | 54.1475% | 6,200 |
| Net loans and leases to core deposits | 57.0033% | 6,220 |
| Total domestic deposits to total assets | 85.6250% | 3,430 |
| Equity capital to assets | 13.3747% | 1,424 |
| Core capital (leverage) ratio | 10.5115% | 2,854 |
| Tier 1 risk-based capital ratio | 21.6649% | 1,343 |
| Total risk-based capital ratio | 22.7037% | 1,348 |
| Memoranda: | ||
| Average total assets | $28,901,000 | 7,068 |
| Average earning assets | $27,256,750 | 7,013 |
| Average equity | $3,719,000 | 6,876 |
| Average total loans | $12,390,500 | 7,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 7,215 |
| Cost of funding earning assets | 0.8970% | 4,694 |
| Net interest margin | 2.5030% | 7,187 |
| Noninterest income to average assets | 1.1398% | 998 |
| Noninterest expense to average assets | 3.4126% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1297% | 5,933 |
| Return on assets (ROA) | 0.2935% | 5,533 |
| Pretax return on assets | 0.2525% | 5,804 |
| Return on Equity (ROE) | 2.3093% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.3093% | 4,818 |
| Net charge-offs to loans | -0.6587% | 7,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3470% | 957 |
| Assets per employee ($millions) | 3.7208% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2463% | 1,827 |
| Loan loss allowance to noncurrent loans | 72.7520% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5521% | 3,867 |
| Noncurrent loans to loans | 3.0877% | 2,334 |
| Net loans and leases to total assets | 39.0345% | 6,799 |
| Net loans and leases to deposits | 44.9582% | 6,884 |
| Net loans and leases to core deposits | 47.6052% | 6,871 |
| Total domestic deposits to total assets | 86.8239% | 2,839 |
| Equity capital to assets | 12.6050% | 1,732 |
| Core capital (leverage) ratio | 10.3923% | 2,837 |
| Tier 1 risk-based capital ratio | 18.1616% | 2,121 |
| Total risk-based capital ratio | 19.0772% | 2,180 |
| Memoranda: | ||
| Average total assets | $29,303,330 | 7,121 |
| Average earning assets | $27,647,000 | 7,068 |
| Average equity | $3,724,000 | 6,919 |
| Average total loans | $12,144,670 | 7,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 7,178 |
| Cost of funding earning assets | 0.8905% | 4,988 |
| Net interest margin | 2.6569% | 7,065 |
| Noninterest income to average assets | 1.8162% | 422 |
| Noninterest expense to average assets | 3.7837% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5779% | 4,148 |
| Return on assets (ROA) | 0.5779% | 4,222 |
| Pretax return on assets | 0.5366% | 4,909 |
| Return on Equity (ROE) | 4.5283% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.5283% | 3,454 |
| Net charge-offs to loans | -1.7924% | 7,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0318% | 1,839 |
| Assets per employee ($millions) | 2.9547% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4254% | 1,572 |
| Loan loss allowance to noncurrent loans | 54.2308% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 3,849 |
| Noncurrent loans to loans | 4.4723% | 1,569 |
| Net loans and leases to total assets | 34.9055% | 7,052 |
| Net loans and leases to deposits | 41.3237% | 7,047 |
| Net loans and leases to core deposits | 43.6028% | 7,049 |
| Total domestic deposits to total assets | 84.4686% | 4,288 |
| Equity capital to assets | 11.5008% | 2,268 |
| Core capital (leverage) ratio | 9.0783% | 4,482 |
| Tier 1 risk-based capital ratio | 16.9850% | 2,481 |
| Total risk-based capital ratio | 18.2563% | 2,450 |
| Memoranda: | ||
| Average total assets | $29,072,000 | 7,179 |
| Average earning assets | $27,400,000 | 7,122 |
| Average equity | $3,710,000 | 6,955 |
| Average total loans | $12,274,000 | 7,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 7,072 |
| Cost of funding earning assets | 1.1118% | 5,073 |
| Net interest margin | 2.9577% | 6,809 |
| Noninterest income to average assets | 0.4927% | 4,227 |
| Noninterest expense to average assets | 3.9609% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.7408% | 6,544 |
| Return on assets (ROA) | -0.7331% | 6,572 |
| Pretax return on assets | -0.7449% | 6,484 |
| Return on Equity (ROE) | -5.0673% | 6,437 |
| Retained earnings to average equity (ytd only) | -5.0673% | 6,305 |
| Net charge-offs to loans | -0.0417% | 7,430 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1966% | 531 |
| Assets per employee ($millions) | 2.5642% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 3,002 |
| Loan loss allowance to noncurrent loans | 47.8903% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 3,558 |
| Noncurrent loans to loans | 3.6684% | 2,034 |
| Net loans and leases to total assets | 49.5047% | 6,213 |
| Net loans and leases to deposits | 58.2695% | 6,232 |
| Net loans and leases to core deposits | 61.6184% | 6,264 |
| Total domestic deposits to total assets | 84.9583% | 3,870 |
| Equity capital to assets | 14.3593% | 938 |
| Core capital (leverage) ratio | 11.8607% | 1,642 |
| Tier 1 risk-based capital ratio | 19.7793% | 1,532 |
| Total risk-based capital ratio | 21.0368% | 1,498 |
| Memoranda: | ||
| Average total assets | $25,372,800 | 7,335 |
| Average earning assets | $23,294,800 | 7,314 |
| Average equity | $3,670,600 | 7,088 |
| Average total loans | $11,998,600 | 7,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 7,255 |
| Cost of funding earning assets | 1.1237% | 5,294 |
| Net interest margin | 2.9217% | 6,975 |
| Noninterest income to average assets | 0.6533% | 3,103 |
| Noninterest expense to average assets | 3.8937% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.5690% | 6,646 |
| Return on assets (ROA) | -0.5585% | 6,691 |
| Pretax return on assets | -0.5585% | 6,593 |
| Return on Equity (ROE) | -3.8533% | 6,559 |
| Retained earnings to average equity (ytd only) | -3.8533% | 6,443 |
| Net charge-offs to loans | 0.0227% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -53.9326% | 6,659 |
| Efficiency ratio | 101.2678% | 705 |
| Assets per employee ($millions) | 2.5894% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,724 |
| Loan loss allowance to noncurrent loans | 48.7805% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.4175% | 2,960 |
| Noncurrent loans to loans | 3.7288% | 2,084 |
| Net loans and leases to total assets | 45.8600% | 6,708 |
| Net loans and leases to deposits | 53.6893% | 6,787 |
| Net loans and leases to core deposits | 56.7205% | 6,817 |
| Total domestic deposits to total assets | 85.4175% | 3,402 |
| Equity capital to assets | 13.9337% | 1,187 |
| Core capital (leverage) ratio | 11.2750% | 2,083 |
| Tier 1 risk-based capital ratio | 18.9345% | 1,766 |
| Total risk-based capital ratio | 20.2262% | 1,718 |
| Memoranda: | ||
| Average total assets | $25,305,500 | 7,430 |
| Average earning assets | $23,136,750 | 7,406 |
| Average equity | $3,667,750 | 7,182 |
| Average total loans | $11,768,000 | 7,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 7,327 |
| Cost of funding earning assets | 1.1316% | 5,512 |
| Net interest margin | 2.9073% | 6,999 |
| Noninterest income to average assets | 0.8204% | 2,017 |
| Noninterest expense to average assets | 3.6719% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1912% | 6,348 |
| Return on assets (ROA) | -0.1752% | 6,380 |
| Pretax return on assets | -0.1752% | 6,316 |
| Return on Equity (ROE) | -1.1932% | 6,343 |
| Retained earnings to average equity (ytd only) | -1.1932% | 6,011 |
| Net charge-offs to loans | 0.1372% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 6,258 |
| Efficiency ratio | 84.4394% | 1,869 |
| Assets per employee ($millions) | 3.1606% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,229 |
| Loan loss allowance to noncurrent loans | 48.6364% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.4323% | 2,962 |
| Noncurrent loans to loans | 4.0726% | 1,855 |
| Net loans and leases to total assets | 41.8825% | 7,048 |
| Net loans and leases to deposits | 49.4582% | 7,094 |
| Net loans and leases to core deposits | 52.3454% | 7,122 |
| Total domestic deposits to total assets | 84.6826% | 3,777 |
| Equity capital to assets | 14.6015% | 977 |
| Core capital (leverage) ratio | 11.3542% | 2,011 |
| Tier 1 risk-based capital ratio | 20.4287% | 1,445 |
| Total risk-based capital ratio | 21.7506% | 1,402 |
| Memoranda: | ||
| Average total assets | $25,109,330 | 7,495 |
| Average earning assets | $22,976,670 | 7,475 |
| Average equity | $3,687,670 | 7,217 |
| Average total loans | $11,659,000 | 7,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7367% | 7,840 |
| Cost of funding earning assets | 1.1679% | 5,567 |
| Net interest margin | 1.5688% | 7,819 |
| Noninterest income to average assets | 0.3357% | 5,454 |
| Noninterest expense to average assets | 2.7017% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.9272% | 7,071 |
| Return on assets (ROA) | -0.9112% | 7,092 |
| Pretax return on assets | -0.9112% | 7,010 |
| Return on Equity (ROE) | -6.1864% | 6,949 |
| Retained earnings to average equity (ytd only) | -6.1864% | 6,675 |
| Net charge-offs to loans | -0.1655% | 7,636 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.0450% | 229 |
| Assets per employee ($millions) | 2.8448% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 2,212 |
| Loan loss allowance to noncurrent loans | 33.7296% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6286% | 2,770 |
| Noncurrent loans to loans | 5.9066% | 1,124 |
| Net loans and leases to total assets | 43.6160% | 7,024 |
| Net loans and leases to deposits | 51.1708% | 7,072 |
| Net loans and leases to core deposits | 54.7644% | 7,067 |
| Total domestic deposits to total assets | 85.2361% | 3,548 |
| Equity capital to assets | 14.2835% | 1,072 |
| Core capital (leverage) ratio | 11.4737% | 1,929 |
| Tier 1 risk-based capital ratio | 21.4607% | 1,272 |
| Total risk-based capital ratio | 22.7130% | 1,253 |
| Memoranda: | ||
| Average total assets | $25,021,500 | 7,589 |
| Average earning assets | $22,947,500 | 7,567 |
| Average equity | $3,685,500 | 7,293 |
| Average total loans | $12,086,500 | 7,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 7,331 |
| Cost of funding earning assets | 1.3456% | 6,161 |
| Net interest margin | 3.2127% | 6,044 |
| Noninterest income to average assets | 0.3022% | 5,936 |
| Noninterest expense to average assets | 3.0984% | 3,754 |
| Loan and lease loss provision to assets | 1.0768% | 2,129 |
| Net operating income to assets | -0.9363% | 6,530 |
| Return on assets (ROA) | -1.1491% | 6,682 |
| Pretax return on assets | -1.1491% | 6,509 |
| Return on Equity (ROE) | -7.1744% | 6,397 |
| Retained earnings to average equity (ytd only) | -7.1744% | 6,255 |
| Net charge-offs to loans | 3.5069% | 549 |
| Credit loss provision to net charge-offs | 57.6310% | 6,670 |
| Earnings coverage of net charge-offs (x) | 0.0752% | 6,088 |
| Efficiency ratio | 91.0644% | 1,630 |
| Assets per employee ($millions) | 2.7156% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,756 |
| Loan loss allowance to noncurrent loans | 34.9606% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 4.2881% | 1,527 |
| Noncurrent loans to loans | 4.9691% | 1,363 |
| Net loans and leases to total assets | 51.3789% | 6,490 |
| Net loans and leases to deposits | 60.9386% | 6,567 |
| Net loans and leases to core deposits | 67.3117% | 6,915 |
| Total domestic deposits to total assets | 84.3126% | 3,887 |
| Equity capital to assets | 15.1964% | 871 |
| Core capital (leverage) ratio | 13.2809% | 1,165 |
| Tier 1 risk-based capital ratio | 20.0583% | 1,451 |
| Total risk-based capital ratio | 21.3150% | 1,412 |
| Memoranda: | ||
| Average total assets | $23,495,800 | 7,682 |
| Average earning assets | $21,477,000 | 7,665 |
| Average equity | $3,763,400 | 7,366 |
| Average total loans | $12,518,200 | 7,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 7,324 |
| Cost of funding earning assets | 1.4584% | 6,008 |
| Net interest margin | 3.2160% | 5,961 |
| Noninterest income to average assets | 0.3153% | 5,961 |
| Noninterest expense to average assets | 3.0610% | 3,803 |
| Loan and lease loss provision to assets | 1.4502% | 1,322 |
| Net operating income to assets | -1.2381% | 6,980 |
| Return on assets (ROA) | -1.5248% | 7,125 |
| Pretax return on assets | -1.5248% | 6,979 |
| Return on Equity (ROE) | -9.3931% | 6,853 |
| Retained earnings to average equity (ytd only) | -9.3931% | 6,754 |
| Net charge-offs to loans | 4.7324% | 256 |
| Credit loss provision to net charge-offs | 57.2398% | 6,211 |
| Earnings coverage of net charge-offs (x) | 0.0837% | 5,965 |
| Efficiency ratio | 93.5201% | 1,432 |
| Assets per employee ($millions) | 2.5352% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,480 |
| Loan loss allowance to noncurrent loans | 51.0490% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.8802% | 3,538 |
| Noncurrent loans to loans | 3.4083% | 2,207 |
| Net loans and leases to total assets | 54.2052% | 6,360 |
| Net loans and leases to deposits | 64.5074% | 6,451 |
| Net loans and leases to core deposits | 68.8450% | 7,024 |
| Total domestic deposits to total assets | 84.0295% | 3,709 |
| Equity capital to assets | 15.6638% | 859 |
| Core capital (leverage) ratio | 12.1309% | 1,743 |
| Tier 1 risk-based capital ratio | 20.5271% | 1,447 |
| Total risk-based capital ratio | 21.7854% | 1,402 |
| Memoranda: | ||
| Average total assets | $23,259,750 | 7,759 |
| Average earning assets | $21,392,250 | 7,737 |
| Average equity | $3,775,750 | 7,425 |
| Average total loans | $12,453,000 | 7,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 7,594 |
| Cost of funding earning assets | 1.5147% | 6,078 |
| Net interest margin | 3.0200% | 6,487 |
| Noninterest income to average assets | 0.3418% | 5,774 |
| Noninterest expense to average assets | 2.8111% | 4,917 |
| Loan and lease loss provision to assets | 0.3076% | 4,110 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0000% | 5,869 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1370% | 1,790 |
| Assets per employee ($millions) | 2.5840% | 7,088 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4323% | 403 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 3.4443% | 1,810 |
| Noncurrent loans to loans | 6.1782% | 880 |
| Net loans and leases to total assets | 53.8356% | 6,473 |
| Net loans and leases to deposits | 64.7196% | 6,499 |
| Net loans and leases to core deposits | 69.4206% | 7,052 |
| Total domestic deposits to total assets | 83.1828% | 4,153 |
| Equity capital to assets | 16.5033% | 747 |
| Core capital (leverage) ratio | 13.2928% | 1,331 |
| Tier 1 risk-based capital ratio | 21.6076% | 1,317 |
| Total risk-based capital ratio | 22.8825% | 1,278 |
| Memoranda: | ||
| Average total assets | $23,407,330 | 7,834 |
| Average earning assets | $21,523,000 | 7,806 |
| Average equity | $3,843,000 | 7,459 |
| Average total loans | $12,408,330 | 7,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 7,754 |
| Cost of funding earning assets | 1.6347% | 5,885 |
| Net interest margin | 2.8236% | 6,945 |
| Noninterest income to average assets | 0.2555% | 6,414 |
| Noninterest expense to average assets | 2.5380% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3066% | 5,272 |
| Return on assets (ROA) | 0.3066% | 5,447 |
| Pretax return on assets | 0.3066% | 5,666 |
| Return on Equity (ROE) | 1.8723% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.8723% | 4,814 |
| Net charge-offs to loans | -0.1319% | 7,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2216% | 1,786 |
| Assets per employee ($millions) | 3.3136% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4601% | 332 |
| Loan loss allowance to noncurrent loans | 64.3750% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.7592% | 2,053 |
| Noncurrent loans to loans | 5.3750% | 982 |
| Net loans and leases to total assets | 49.5581% | 6,896 |
| Net loans and leases to deposits | 59.6554% | 6,923 |
| Net loans and leases to core deposits | 63.1108% | 7,349 |
| Total domestic deposits to total assets | 83.0739% | 4,107 |
| Equity capital to assets | 16.6200% | 778 |
| Core capital (leverage) ratio | 12.9595% | 1,492 |
| Tier 1 risk-based capital ratio | 23.4514% | 1,145 |
| Total risk-based capital ratio | 24.7228% | 1,121 |
| Memoranda: | ||
| Average total assets | $23,483,000 | 7,887 |
| Average earning assets | $21,533,000 | 7,858 |
| Average equity | $3,845,500 | 7,506 |
| Average total loans | $12,130,000 | 7,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6054% | 8,278 |
| Cost of funding earning assets | 0.2206% | 8,235 |
| Net interest margin | 0.3848% | 8,274 |
| Noninterest income to average assets | 0.0311% | 7,976 |
| Noninterest expense to average assets | 0.3374% | 8,274 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0444% | 6,248 |
| Return on assets (ROA) | 0.0444% | 6,105 |
| Pretax return on assets | 0.0577% | 6,033 |
| Return on Equity (ROE) | 0.3951% | 6,109 |
| Retained earnings to average equity (ytd only) | -1.9755% | 5,861 |
| Net charge-offs to loans | 1.3447% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 0.0802% | 6,199 |
| Efficiency ratio | 85.3933% | 1,913 |
| Assets per employee ($millions) | 3.3959% | 4,957 |
| Cash dividends to net income (ytd only)* | 600.0000% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3028% | 337 |
| Loan loss allowance to noncurrent loans | 195.2153% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 4,657 |
| Noncurrent loans to loans | 1.6919% | 3,234 |
| Net loans and leases to total assets | 50.2503% | 7,009 |
| Net loans and leases to deposits | 60.0946% | 7,079 |
| Net loans and leases to core deposits | 64.1963% | 7,435 |
| Total domestic deposits to total assets | 83.6187% | 3,519 |
| Equity capital to assets | 16.1373% | 908 |
| Core capital (leverage) ratio | 14.6296% | 1,113 |
| Tier 1 risk-based capital ratio | 23.1030% | 1,179 |
| Total risk-based capital ratio | 24.3702% | 1,153 |
| Memoranda: | ||
| Average total assets | $22,528,200 | 7,928 |
| Average earning assets | $21,309,000 | 7,885 |
| Average equity | $2,531,000 | 7,971 |
| Average total loans | $12,047,200 | 7,830 |