Home > Metro Bank > Performance and Condition Ratios
Metro Bank, Performance and Condition Ratios
| 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 | 4.8792% | 954 |
| Cost of funding earning assets | 0.5933% | 1,822 |
| Net interest margin | 4.2859% | 1,082 |
| Noninterest income to average assets | 0.2402% | 5,407 |
| Noninterest expense to average assets | 3.0876% | 2,566 |
| Loan and lease loss provision to assets | -0.0221% | 5,943 |
| Net operating income to assets | 0.6909% | 3,942 |
| Return on assets (ROA) | 0.7027% | 3,993 |
| Pretax return on assets | 1.0755% | 3,182 |
| Return on Equity (ROE) | 5.8779% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.8690% | 3,466 |
| Net charge-offs to loans | -0.0456% | 5,898 |
| Credit loss provision to net charge-offs | 70.7692% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8922% | 2,677 |
| Assets per employee ($millions) | 5.8460% | 1,492 |
| Cash dividends to net income (ytd only)* | 34.1763% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 4,805 |
| Loan loss allowance to noncurrent loans | 132.1108% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.7424% | 1,524 |
| Noncurrent loans to loans | 0.7957% | 3,318 |
| Net loans and leases to total assets | 72.4978% | 1,831 |
| Net loans and leases to deposits | 83.6615% | 2,252 |
| Net loans and leases to core deposits | 95.0321% | 1,811 |
| Total domestic deposits to total assets | 86.6561% | 2,482 |
| Equity capital to assets | 12.2539% | 1,823 |
| Core capital (leverage) ratio | 11.3520% | 2,089 |
| Tier 1 risk-based capital ratio | 14.9848% | 3,494 |
| Total risk-based capital ratio | 15.9312% | 3,597 |
| Memoranda: | ||
| Average total assets | $208,184,600 | 2,898 |
| Average earning assets | $188,595,600 | 2,924 |
| Average equity | $24,890,000 | 2,678 |
| Average total loans | $142,516,000 | 2,678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 1,063 |
| Cost of funding earning assets | 0.6069% | 1,775 |
| Net interest margin | 4.2203% | 1,224 |
| Noninterest income to average assets | 0.2569% | 5,381 |
| Noninterest expense to average assets | 3.0440% | 2,663 |
| Loan and lease loss provision to assets | 0.0257% | 3,895 |
| Net operating income to assets | 0.6539% | 4,198 |
| Return on assets (ROA) | 0.6698% | 4,200 |
| Pretax return on assets | 1.0294% | 3,471 |
| Return on Equity (ROE) | 5.6380% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.9352% | 4,507 |
| Net charge-offs to loans | -0.0621% | 5,992 |
| Credit loss provision to net charge-offs | -61.5385% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7045% | 2,701 |
| Assets per employee ($millions) | 5.8814% | 1,425 |
| Cash dividends to net income (ytd only)* | 47.9387% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 4,153 |
| Loan loss allowance to noncurrent loans | 135.3688% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 1,594 |
| Noncurrent loans to loans | 0.8966% | 3,324 |
| Net loans and leases to total assets | 62.1666% | 3,462 |
| Net loans and leases to deposits | 70.9258% | 3,810 |
| Net loans and leases to core deposits | 80.5681% | 3,247 |
| Total domestic deposits to total assets | 87.6502% | 1,955 |
| Equity capital to assets | 11.2384% | 2,714 |
| Core capital (leverage) ratio | 11.5101% | 2,056 |
| Tier 1 risk-based capital ratio | 14.5929% | 3,820 |
| Total risk-based capital ratio | 15.5803% | 3,929 |
| Memoranda: | ||
| Average total assets | $207,616,750 | 2,928 |
| Average earning assets | $187,819,750 | 2,962 |
| Average equity | $24,665,250 | 2,705 |
| Average total loans | $139,595,750 | 2,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 938 |
| Cost of funding earning assets | 0.6388% | 1,600 |
| Net interest margin | 4.2420% | 1,150 |
| Noninterest income to average assets | 0.1809% | 5,863 |
| Noninterest expense to average assets | 3.0397% | 2,693 |
| Loan and lease loss provision to assets | 0.0395% | 3,515 |
| Net operating income to assets | 0.5961% | 4,371 |
| Return on assets (ROA) | 0.5961% | 4,469 |
| Pretax return on assets | 0.9223% | 3,795 |
| Return on Equity (ROE) | 4.9195% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.8403% | 5,412 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9634% | 2,644 |
| Assets per employee ($millions) | 5.8693% | 1,371 |
| Cash dividends to net income (ytd only)* | 82.9187% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,452 |
| Loan loss allowance to noncurrent loans | 128.1811% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2125% | 1,370 |
| Noncurrent loans to loans | 0.9316% | 3,384 |
| Net loans and leases to total assets | 64.2989% | 3,028 |
| Net loans and leases to deposits | 73.7201% | 3,354 |
| Net loans and leases to core deposits | 88.2020% | 2,292 |
| Total domestic deposits to total assets | 87.2203% | 2,339 |
| Equity capital to assets | 11.6637% | 2,268 |
| Core capital (leverage) ratio | 12.0845% | 1,617 |
| Tier 1 risk-based capital ratio | 14.4558% | 3,955 |
| Total risk-based capital ratio | 15.4141% | 4,077 |
| Memoranda: | ||
| Average total assets | $202,324,670 | 3,005 |
| Average earning assets | $182,227,000 | 3,049 |
| Average equity | $24,514,670 | 2,707 |
| Average total loans | $139,246,000 | 2,744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 844 |
| Cost of funding earning assets | 0.6462% | 1,609 |
| Net interest margin | 4.2711% | 1,063 |
| Noninterest income to average assets | 0.1698% | 5,954 |
| Noninterest expense to average assets | 3.0712% | 2,619 |
| Loan and lease loss provision to assets | 0.0323% | 3,398 |
| Net operating income to assets | 0.5843% | 4,268 |
| Return on assets (ROA) | 0.5843% | 4,341 |
| Pretax return on assets | 0.9017% | 3,690 |
| Return on Equity (ROE) | 4.7281% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.7281% | 3,278 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6784% | 2,697 |
| Assets per employee ($millions) | 5.3808% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 4,875 |
| Loan loss allowance to noncurrent loans | 123.0418% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5059% | 1,270 |
| Noncurrent loans to loans | 0.9346% | 3,548 |
| Net loans and leases to total assets | 69.8636% | 1,914 |
| Net loans and leases to deposits | 80.8794% | 2,176 |
| Net loans and leases to core deposits | 94.4623% | 1,515 |
| Total domestic deposits to total assets | 86.3799% | 3,169 |
| Equity capital to assets | 12.4312% | 1,616 |
| Core capital (leverage) ratio | 12.7644% | 1,265 |
| Tier 1 risk-based capital ratio | 15.5853% | 3,388 |
| Total risk-based capital ratio | 16.5966% | 3,479 |
| Memoranda: | ||
| Average total assets | $197,839,000 | 3,080 |
| Average earning assets | $177,657,500 | 3,132 |
| Average equity | $24,449,500 | 2,703 |
| Average total loans | $140,117,500 | 2,737 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 527 |
| Cost of funding earning assets | 0.6869% | 1,907 |
| Net interest margin | 4.6127% | 598 |
| Noninterest income to average assets | 0.1854% | 5,983 |
| Noninterest expense to average assets | 3.3213% | 2,085 |
| Loan and lease loss provision to assets | 0.0275% | 4,580 |
| Net operating income to assets | 0.6341% | 4,103 |
| Return on assets (ROA) | 0.6348% | 4,203 |
| Pretax return on assets | 0.9950% | 3,370 |
| Return on Equity (ROE) | 4.7611% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.7611% | 2,761 |
| Net charge-offs to loans | 0.1948% | 2,907 |
| Credit loss provision to net charge-offs | 19.2913% | 4,456 |
| Earnings coverage of net charge-offs (x) | 7.1772% | 2,898 |
| Efficiency ratio | 76.4805% | 2,704 |
| Assets per employee ($millions) | 5.1734% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,921 |
| Loan loss allowance to noncurrent loans | 119.3741% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.5515% | 1,336 |
| Noncurrent loans to loans | 0.9618% | 3,592 |
| Net loans and leases to total assets | 70.1587% | 1,986 |
| Net loans and leases to deposits | 82.3113% | 2,149 |
| Net loans and leases to core deposits | 96.9848% | 1,384 |
| Total domestic deposits to total assets | 85.2358% | 3,623 |
| Equity capital to assets | 12.2844% | 1,632 |
| Core capital (leverage) ratio | 13.0515% | 1,121 |
| Tier 1 risk-based capital ratio | 15.6062% | 3,304 |
| Total risk-based capital ratio | 16.6215% | 3,393 |
| Memoranda: | ||
| Average total assets | $178,486,000 | 3,285 |
| Average earning assets | $160,859,800 | 3,325 |
| Average equity | $23,797,000 | 2,745 |
| Average total loans | $130,374,400 | 2,862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3610% | 479 |
| Cost of funding earning assets | 0.6948% | 1,989 |
| Net interest margin | 4.6662% | 545 |
| Noninterest income to average assets | 0.1885% | 6,059 |
| Noninterest expense to average assets | 3.1984% | 2,372 |
| Loan and lease loss provision to assets | 0.1809% | 2,011 |
| Net operating income to assets | 0.6405% | 4,176 |
| Return on assets (ROA) | 0.6415% | 4,284 |
| Pretax return on assets | 1.0163% | 3,444 |
| Return on Equity (ROE) | 4.7070% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.7070% | 3,304 |
| Net charge-offs to loans | 0.2644% | 2,232 |
| Credit loss provision to net charge-offs | 92.9134% | 2,560 |
| Earnings coverage of net charge-offs (x) | 6.1417% | 3,036 |
| Efficiency ratio | 72.7891% | 3,265 |
| Assets per employee ($millions) | 4.8041% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 4,326 |
| Loan loss allowance to noncurrent loans | 130.6793% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 2.8720% | 1,295 |
| Noncurrent loans to loans | 1.0037% | 3,800 |
| Net loans and leases to total assets | 73.7322% | 1,326 |
| Net loans and leases to deposits | 87.8683% | 1,376 |
| Net loans and leases to core deposits | 105.1004% | 814 |
| Total domestic deposits to total assets | 83.9122% | 4,225 |
| Equity capital to assets | 13.0991% | 1,286 |
| Core capital (leverage) ratio | 13.3616% | 1,075 |
| Tier 1 risk-based capital ratio | 14.8959% | 3,817 |
| Total risk-based capital ratio | 15.9920% | 3,883 |
| Memoranda: | ||
| Average total assets | $173,960,000 | 3,374 |
| Average earning assets | $156,782,000 | 3,426 |
| Average equity | $23,708,750 | 2,786 |
| Average total loans | $128,086,250 | 2,911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 527 |
| Cost of funding earning assets | 0.6908% | 2,141 |
| Net interest margin | 4.6080% | 588 |
| Noninterest income to average assets | 0.1940% | 6,048 |
| Noninterest expense to average assets | 3.1830% | 2,400 |
| Loan and lease loss provision to assets | 0.0608% | 3,793 |
| Net operating income to assets | 0.7045% | 3,781 |
| Return on assets (ROA) | 0.7060% | 3,947 |
| Pretax return on assets | 1.1245% | 2,994 |
| Return on Equity (ROE) | 5.1098% | 4,663 |
| Retained earnings to average equity (ytd only) | 5.1098% | 2,979 |
| Net charge-offs to loans | 0.4054% | 1,596 |
| Credit loss provision to net charge-offs | 20.4724% | 3,727 |
| Earnings coverage of net charge-offs (x) | 3.9843% | 3,245 |
| Efficiency ratio | 72.9050% | 3,323 |
| Assets per employee ($millions) | 5.5176% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,603 |
| Loan loss allowance to noncurrent loans | 115.0538% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8486% | 1,443 |
| Noncurrent loans to loans | 1.1127% | 3,704 |
| Net loans and leases to total assets | 65.9728% | 2,603 |
| Net loans and leases to deposits | 76.9645% | 2,730 |
| Net loans and leases to core deposits | 89.2843% | 1,975 |
| Total domestic deposits to total assets | 85.7186% | 3,516 |
| Equity capital to assets | 12.6322% | 1,503 |
| Core capital (leverage) ratio | 14.0403% | 813 |
| Tier 1 risk-based capital ratio | 15.7274% | 3,345 |
| Total risk-based capital ratio | 16.7771% | 3,420 |
| Memoranda: | ||
| Average total assets | $171,095,330 | 3,445 |
| Average earning assets | $154,904,000 | 3,481 |
| Average equity | $23,640,670 | 2,802 |
| Average total loans | $125,318,330 | 2,964 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 335 |
| Cost of funding earning assets | 0.7227% | 2,045 |
| Net interest margin | 4.8385% | 376 |
| Noninterest income to average assets | 0.2284% | 5,833 |
| Noninterest expense to average assets | 3.3824% | 1,868 |
| Loan and lease loss provision to assets | 0.0565% | 3,693 |
| Net operating income to assets | 0.7092% | 3,648 |
| Return on assets (ROA) | 0.7123% | 3,769 |
| Pretax return on assets | 1.1692% | 2,686 |
| Return on Equity (ROE) | 4.9128% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.9128% | 3,290 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4792% | 3,352 |
| Assets per employee ($millions) | 4.9612% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,107 |
| Loan loss allowance to noncurrent loans | 93.4150% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 2.9312% | 1,540 |
| Noncurrent loans to loans | 1.5258% | 3,260 |
| Net loans and leases to total assets | 77.3052% | 687 |
| Net loans and leases to deposits | 91.0159% | 887 |
| Net loans and leases to core deposits | 108.1180% | 558 |
| Total domestic deposits to total assets | 84.9359% | 4,072 |
| Equity capital to assets | 14.5095% | 871 |
| Core capital (leverage) ratio | 14.8203% | 617 |
| Tier 1 risk-based capital ratio | 16.0354% | 3,242 |
| Total risk-based capital ratio | 17.2742% | 3,215 |
| Memoranda: | ||
| Average total assets | $162,843,000 | 3,602 |
| Average earning assets | $147,235,000 | 3,641 |
| Average equity | $23,612,000 | 2,844 |
| Average total loans | $125,292,500 | 2,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3390% | 849 |
| Cost of funding earning assets | 0.8570% | 2,249 |
| Net interest margin | 4.4820% | 977 |
| Noninterest income to average assets | 0.0997% | 6,503 |
| Noninterest expense to average assets | 3.3869% | 2,082 |
| Loan and lease loss provision to assets | 0.0940% | 4,495 |
| Net operating income to assets | 0.4205% | 5,005 |
| Return on assets (ROA) | 0.5352% | 4,805 |
| Pretax return on assets | 0.9310% | 3,806 |
| Return on Equity (ROE) | 3.6876% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.6876% | 3,629 |
| Net charge-offs to loans | 0.5751% | 2,002 |
| Credit loss provision to net charge-offs | 22.7829% | 5,247 |
| Earnings coverage of net charge-offs (x) | 2.0489% | 4,388 |
| Efficiency ratio | 80.0179% | 2,147 |
| Assets per employee ($millions) | 4.7637% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 3,835 |
| Loan loss allowance to noncurrent loans | 88.9710% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 3.0025% | 1,582 |
| Noncurrent loans to loans | 1.6622% | 3,135 |
| Net loans and leases to total assets | 74.3267% | 1,149 |
| Net loans and leases to deposits | 87.3772% | 1,345 |
| Net loans and leases to core deposits | 102.7948% | 844 |
| Total domestic deposits to total assets | 85.0641% | 3,835 |
| Equity capital to assets | 14.4901% | 879 |
| Core capital (leverage) ratio | 14.7352% | 619 |
| Tier 1 risk-based capital ratio | 16.3239% | 2,985 |
| Total risk-based capital ratio | 17.5738% | 2,942 |
| Memoranda: | ||
| Average total assets | $158,434,400 | 3,646 |
| Average earning assets | $146,094,000 | 3,624 |
| Average equity | $22,996,000 | 2,851 |
| Average total loans | $113,723,200 | 3,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 969 |
| Cost of funding earning assets | 0.8802% | 2,313 |
| Net interest margin | 4.4385% | 1,118 |
| Noninterest income to average assets | 0.0872% | 6,663 |
| Noninterest expense to average assets | 3.4240% | 1,946 |
| Loan and lease loss provision to assets | -0.0660% | 7,009 |
| Net operating income to assets | 0.4624% | 4,983 |
| Return on assets (ROA) | 0.5653% | 4,815 |
| Pretax return on assets | 0.9994% | 3,714 |
| Return on Equity (ROE) | 3.8930% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.8930% | 4,148 |
| Net charge-offs to loans | 0.7813% | 1,416 |
| Credit loss provision to net charge-offs | -11.9266% | 6,104 |
| Earnings coverage of net charge-offs (x) | 1.3960% | 4,599 |
| Efficiency ratio | 81.5890% | 1,851 |
| Assets per employee ($millions) | 4.6549% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,303 |
| Loan loss allowance to noncurrent loans | 76.6618% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.0916% | 1,684 |
| Noncurrent loans to loans | 1.8476% | 3,019 |
| Net loans and leases to total assets | 69.4849% | 2,017 |
| Net loans and leases to deposits | 81.9346% | 2,125 |
| Net loans and leases to core deposits | 96.4015% | 1,378 |
| Total domestic deposits to total assets | 84.8053% | 3,836 |
| Equity capital to assets | 14.7442% | 888 |
| Core capital (leverage) ratio | 14.6308% | 679 |
| Tier 1 risk-based capital ratio | 17.1172% | 2,685 |
| Total risk-based capital ratio | 18.2867% | 2,673 |
| Memoranda: | ||
| Average total assets | $157,551,500 | 3,695 |
| Average earning assets | $145,871,750 | 3,664 |
| Average equity | $22,877,750 | 2,889 |
| Average total loans | $111,606,250 | 3,283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 1,100 |
| Cost of funding earning assets | 0.8926% | 2,458 |
| Net interest margin | 4.3825% | 1,252 |
| Noninterest income to average assets | 0.0788% | 6,760 |
| Noninterest expense to average assets | 3.3195% | 2,255 |
| Loan and lease loss provision to assets | 0.0292% | 5,302 |
| Net operating income to assets | 0.4322% | 5,110 |
| Return on assets (ROA) | 0.5835% | 4,701 |
| Pretax return on assets | 1.0425% | 3,547 |
| Return on Equity (ROE) | 4.0395% | 5,246 |
| Retained earnings to average equity (ytd only) | 4.0395% | 3,919 |
| Net charge-offs to loans | 0.8349% | 1,327 |
| Credit loss provision to net charge-offs | 4.9356% | 4,785 |
| Earnings coverage of net charge-offs (x) | 1.4099% | 4,299 |
| Efficiency ratio | 79.8960% | 2,199 |
| Assets per employee ($millions) | 5.2232% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 3,436 |
| Loan loss allowance to noncurrent loans | 40.7278% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.8010% | 1,361 |
| Noncurrent loans to loans | 4.0427% | 1,358 |
| Net loans and leases to total assets | 71.2499% | 1,688 |
| Net loans and leases to deposits | 83.8264% | 1,875 |
| Net loans and leases to core deposits | 99.6804% | 1,123 |
| Total domestic deposits to total assets | 84.9970% | 3,864 |
| Equity capital to assets | 14.6820% | 863 |
| Core capital (leverage) ratio | 14.3277% | 727 |
| Tier 1 risk-based capital ratio | 17.4586% | 2,483 |
| Total risk-based capital ratio | 18.7106% | 2,450 |
| Memoranda: | ||
| Average total assets | $157,313,330 | 3,711 |
| Average earning assets | $146,309,670 | 3,674 |
| Average equity | $22,725,330 | 2,883 |
| Average total loans | $111,624,670 | 3,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 1,034 |
| Cost of funding earning assets | 0.9279% | 2,457 |
| Net interest margin | 4.4076% | 1,212 |
| Noninterest income to average assets | 0.0736% | 6,848 |
| Noninterest expense to average assets | 3.1493% | 2,760 |
| Loan and lease loss provision to assets | -0.0178% | 7,115 |
| Net operating income to assets | 0.5938% | 4,371 |
| Return on assets (ROA) | 0.5938% | 4,588 |
| Pretax return on assets | 1.0405% | 3,530 |
| Return on Equity (ROE) | 4.1443% | 5,227 |
| Retained earnings to average equity (ytd only) | 4.1443% | 4,103 |
| Net charge-offs to loans | 1.4709% | 682 |
| Credit loss provision to net charge-offs | -1.7199% | 5,329 |
| Earnings coverage of net charge-offs (x) | 0.9902% | 3,834 |
| Efficiency ratio | 75.4866% | 2,854 |
| Assets per employee ($millions) | 5.5861% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 3,310 |
| Loan loss allowance to noncurrent loans | 37.2961% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 4.0359% | 1,359 |
| Noncurrent loans to loans | 4.5842% | 1,252 |
| Net loans and leases to total assets | 67.3554% | 2,222 |
| Net loans and leases to deposits | 78.6440% | 2,390 |
| Net loans and leases to core deposits | 92.7911% | 1,572 |
| Total domestic deposits to total assets | 85.6459% | 3,719 |
| Equity capital to assets | 14.0380% | 1,014 |
| Core capital (leverage) ratio | 14.2042% | 749 |
| Tier 1 risk-based capital ratio | 17.5745% | 2,450 |
| Total risk-based capital ratio | 18.8274% | 2,421 |
| Memoranda: | ||
| Average total assets | $157,622,500 | 3,730 |
| Average earning assets | $146,566,500 | 3,689 |
| Average equity | $22,585,000 | 2,898 |
| Average total loans | $110,680,000 | 3,339 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 807 |
| Cost of funding earning assets | 1.1568% | 2,306 |
| Net interest margin | 4.5270% | 1,076 |
| Noninterest income to average assets | 0.9571% | 1,484 |
| Noninterest expense to average assets | 3.0293% | 3,482 |
| Loan and lease loss provision to assets | 0.7754% | 1,285 |
| Net operating income to assets | 1.6914% | 559 |
| Return on assets (ROA) | 1.7408% | 550 |
| Pretax return on assets | 1.4186% | 1,725 |
| Return on Equity (ROE) | 12.2594% | 1,342 |
| Retained earnings to average equity (ytd only) | 12.2594% | 279 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5497% | 5,974 |
| Assets per employee ($millions) | 5.4732% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 2,018 |
| Loan loss allowance to noncurrent loans | 67.9201% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 3.1667% | 1,889 |
| Noncurrent loans to loans | 3.0848% | 2,095 |
| Net loans and leases to total assets | 70.4977% | 1,929 |
| Net loans and leases to deposits | 83.3638% | 2,015 |
| Net loans and leases to core deposits | 99.7839% | 1,201 |
| Total domestic deposits to total assets | 84.5663% | 4,058 |
| Equity capital to assets | 14.6357% | 864 |
| Core capital (leverage) ratio | 14.7179% | 661 |
| Tier 1 risk-based capital ratio | 18.0184% | 2,181 |
| Total risk-based capital ratio | 19.2757% | 2,157 |
| Memoranda: | ||
| Average total assets | $143,665,800 | 3,918 |
| Average earning assets | $133,818,000 | 3,857 |
| Average equity | $20,400,600 | 3,084 |
| Average total loans | $104,233,400 | 3,520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7471% | 777 |
| Cost of funding earning assets | 1.1854% | 2,415 |
| Net interest margin | 4.5617% | 1,019 |
| Noninterest income to average assets | 0.0632% | 6,905 |
| Noninterest expense to average assets | 2.8975% | 3,942 |
| Loan and lease loss provision to assets | 0.6541% | 1,494 |
| Net operating income to assets | 0.7758% | 3,275 |
| Return on assets (ROA) | 0.7805% | 3,418 |
| Pretax return on assets | 0.7805% | 4,197 |
| Return on Equity (ROE) | 5.5427% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,831 |
| Net charge-offs to loans | -0.0844% | 7,136 |
| Credit loss provision to net charge-offs | -1,066.1538% | 6,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9575% | 4,535 |
| Assets per employee ($millions) | 6.0304% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,999 |
| Loan loss allowance to noncurrent loans | 149.0854% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 3.1786% | 2,010 |
| Noncurrent loans to loans | 1.1973% | 4,539 |
| Net loans and leases to total assets | 71.3868% | 1,836 |
| Net loans and leases to deposits | 83.0577% | 2,165 |
| Net loans and leases to core deposits | 101.4421% | 1,122 |
| Total domestic deposits to total assets | 85.9484% | 3,244 |
| Equity capital to assets | 13.7909% | 1,248 |
| Core capital (leverage) ratio | 13.6561% | 994 |
| Tier 1 risk-based capital ratio | 16.8492% | 2,693 |
| Total risk-based capital ratio | 18.1036% | 2,669 |
| Memoranda: | ||
| Average total assets | $141,270,000 | 3,970 |
| Average earning assets | $132,052,750 | 3,916 |
| Average equity | $19,893,500 | 3,162 |
| Average total loans | $102,704,500 | 3,581 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 792 |
| Cost of funding earning assets | 1.2098% | 2,507 |
| Net interest margin | 4.5426% | 1,030 |
| Noninterest income to average assets | 0.0579% | 7,013 |
| Noninterest expense to average assets | 2.8891% | 4,066 |
| Loan and lease loss provision to assets | 0.9485% | 930 |
| Net operating income to assets | 0.4779% | 4,602 |
| Return on assets (ROA) | 0.4851% | 4,712 |
| Pretax return on assets | 0.4851% | 5,114 |
| Return on Equity (ROE) | 3.4194% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.4194% | 4,083 |
| Net charge-offs to loans | 0.0020% | 5,859 |
| Credit loss provision to net charge-offs | 65,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 985.0000% | 25 |
| Efficiency ratio | 66.9463% | 4,708 |
| Assets per employee ($millions) | 6.1350% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 3,135 |
| Loan loss allowance to noncurrent loans | 142.2427% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 3.2613% | 2,052 |
| Noncurrent loans to loans | 1.2340% | 4,600 |
| Net loans and leases to total assets | 70.4014% | 2,134 |
| Net loans and leases to deposits | 81.6991% | 2,492 |
| Net loans and leases to core deposits | 99.8363% | 1,355 |
| Total domestic deposits to total assets | 86.1716% | 3,232 |
| Equity capital to assets | 13.6342% | 1,232 |
| Core capital (leverage) ratio | 13.9751% | 875 |
| Tier 1 risk-based capital ratio | 16.9693% | 2,537 |
| Total risk-based capital ratio | 18.2269% | 2,503 |
| Memoranda: | ||
| Average total assets | $138,107,000 | 4,061 |
| Average earning assets | $129,441,000 | 4,002 |
| Average equity | $19,594,330 | 3,186 |
| Average total loans | $100,413,330 | 3,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9199% | 572 |
| Cost of funding earning assets | 1.2367% | 2,586 |
| Net interest margin | 4.6832% | 737 |
| Noninterest income to average assets | 0.0629% | 7,080 |
| Noninterest expense to average assets | 2.9085% | 4,026 |
| Loan and lease loss provision to assets | 1.7373% | 335 |
| Net operating income to assets | -0.2157% | 6,580 |
| Return on assets (ROA) | -0.2157% | 6,593 |
| Pretax return on assets | -0.2157% | 6,551 |
| Return on Equity (ROE) | -1.4881% | 6,537 |
| Retained earnings to average equity (ytd only) | -1.4881% | 6,068 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6525% | 5,095 |
| Assets per employee ($millions) | 5.8697% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,162 |
| Loan loss allowance to noncurrent loans | 120.2977% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 3.5337% | 1,929 |
| Noncurrent loans to loans | 1.4571% | 4,284 |
| Net loans and leases to total assets | 70.7429% | 1,974 |
| Net loans and leases to deposits | 82.2232% | 2,325 |
| Net loans and leases to core deposits | 104.4557% | 1,033 |
| Total domestic deposits to total assets | 86.0377% | 3,509 |
| Equity capital to assets | 13.7834% | 1,074 |
| Core capital (leverage) ratio | 14.0680% | 835 |
| Tier 1 risk-based capital ratio | 17.3917% | 2,342 |
| Total risk-based capital ratio | 18.6507% | 2,308 |
| Memoranda: | ||
| Average total assets | $133,540,500 | 4,184 |
| Average earning assets | $124,529,500 | 4,129 |
| Average equity | $19,354,000 | 3,215 |
| Average total loans | $97,864,500 | 3,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 2,328 |
| Cost of funding earning assets | 1.5595% | 2,301 |
| Net interest margin | 3.9306% | 3,340 |
| Noninterest income to average assets | 0.0511% | 7,098 |
| Noninterest expense to average assets | 3.2088% | 3,055 |
| Loan and lease loss provision to assets | 0.3091% | 4,330 |
| Net operating income to assets | 0.2851% | 4,976 |
| Return on assets (ROA) | 0.3218% | 5,025 |
| Pretax return on assets | 0.3218% | 5,176 |
| Return on Equity (ROE) | 2.0963% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.0963% | 4,414 |
| Net charge-offs to loans | 0.5953% | 3,246 |
| Credit loss provision to net charge-offs | 75.0000% | 5,733 |
| Earnings coverage of net charge-offs (x) | 1.4419% | 4,681 |
| Efficiency ratio | 84.3763% | 1,879 |
| Assets per employee ($millions) | 5.2587% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 5,160 |
| Loan loss allowance to noncurrent loans | 81.1104% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 3.9435% | 1,729 |
| Noncurrent loans to loans | 1.5664% | 4,152 |
| Net loans and leases to total assets | 73.7634% | 1,704 |
| Net loans and leases to deposits | 87.3026% | 1,893 |
| Net loans and leases to core deposits | 99.5509% | 1,654 |
| Total domestic deposits to total assets | 84.4916% | 4,111 |
| Equity capital to assets | 15.2850% | 723 |
| Core capital (leverage) ratio | 15.2057% | 630 |
| Tier 1 risk-based capital ratio | 18.6242% | 1,811 |
| Total risk-based capital ratio | 19.7672% | 1,802 |
| Memoranda: | ||
| Average total assets | $125,219,000 | 4,371 |
| Average earning assets | $119,523,800 | 4,243 |
| Average equity | $19,224,000 | 3,253 |
| Average total loans | $86,684,400 | 4,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 2,992 |
| Cost of funding earning assets | 1.6334% | 2,190 |
| Net interest margin | 3.7423% | 4,220 |
| Noninterest income to average assets | 0.0491% | 7,273 |
| Noninterest expense to average assets | 3.0684% | 3,493 |
| Loan and lease loss provision to assets | 0.2827% | 4,319 |
| Net operating income to assets | 0.2913% | 5,203 |
| Return on assets (ROA) | 0.3179% | 5,263 |
| Pretax return on assets | 0.3179% | 5,452 |
| Return on Equity (ROE) | 2.0686% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.0686% | 4,921 |
| Net charge-offs to loans | 0.4057% | 3,669 |
| Credit loss provision to net charge-offs | 102.7132% | 4,188 |
| Earnings coverage of net charge-offs (x) | 2.0853% | 4,161 |
| Efficiency ratio | 84.2414% | 1,807 |
| Assets per employee ($millions) | 5.3562% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 4,182 |
| Loan loss allowance to noncurrent loans | 26.3179% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 4.0957% | 1,689 |
| Noncurrent loans to loans | 5.5291% | 1,195 |
| Net loans and leases to total assets | 70.2246% | 2,684 |
| Net loans and leases to deposits | 83.1304% | 2,884 |
| Net loans and leases to core deposits | 99.0433% | 1,936 |
| Total domestic deposits to total assets | 84.4752% | 3,882 |
| Equity capital to assets | 15.2105% | 846 |
| Core capital (leverage) ratio | 15.1874% | 679 |
| Tier 1 risk-based capital ratio | 18.9693% | 1,757 |
| Total risk-based capital ratio | 20.2204% | 1,719 |
| Memoranda: | ||
| Average total assets | $124,971,500 | 4,444 |
| Average earning assets | $119,994,500 | 4,287 |
| Average equity | $19,207,250 | 3,292 |
| Average total loans | $84,782,000 | 4,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 2,978 |
| Cost of funding earning assets | 1.6948% | 2,142 |
| Net interest margin | 3.7057% | 4,336 |
| Noninterest income to average assets | 0.0533% | 7,321 |
| Noninterest expense to average assets | 3.1637% | 3,039 |
| Loan and lease loss provision to assets | 0.2246% | 4,657 |
| Net operating income to assets | 0.2262% | 5,475 |
| Return on assets (ROA) | 0.2666% | 5,458 |
| Pretax return on assets | 0.2666% | 5,610 |
| Return on Equity (ROE) | 1.7285% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.7285% | 5,007 |
| Net charge-offs to loans | 0.6254% | 2,663 |
| Credit loss provision to net charge-offs | 53.8760% | 5,342 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 4,714 |
| Efficiency ratio | 87.5279% | 1,555 |
| Assets per employee ($millions) | 5.4663% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,594 |
| Loan loss allowance to noncurrent loans | 116.9574% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 5,177 |
| Noncurrent loans to loans | 1.1680% | 5,003 |
| Net loans and leases to total assets | 69.3158% | 3,058 |
| Net loans and leases to deposits | 82.2702% | 3,225 |
| Net loans and leases to core deposits | 98.4968% | 2,178 |
| Total domestic deposits to total assets | 84.2539% | 3,986 |
| Equity capital to assets | 15.4089% | 793 |
| Core capital (leverage) ratio | 15.4338% | 645 |
| Tier 1 risk-based capital ratio | 19.0330% | 1,714 |
| Total risk-based capital ratio | 20.2308% | 1,690 |
| Memoranda: | ||
| Average total assets | $123,779,000 | 4,495 |
| Average earning assets | $118,950,670 | 4,337 |
| Average equity | $19,092,000 | 3,293 |
| Average total loans | $82,507,330 | 4,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 4,666 |
| Cost of funding earning assets | 1.7451% | 2,150 |
| Net interest margin | 3.3276% | 5,872 |
| Noninterest income to average assets | 0.0554% | 7,436 |
| Noninterest expense to average assets | 3.1562% | 3,024 |
| Loan and lease loss provision to assets | 0.0814% | 5,824 |
| Net operating income to assets | 0.0163% | 6,245 |
| Return on assets (ROA) | 0.0977% | 6,131 |
| Pretax return on assets | 0.0977% | 6,143 |
| Return on Equity (ROE) | 0.6332% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.6332% | 5,567 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9970% | 968 |
| Assets per employee ($millions) | 5.0597% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 7,062 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.7748% | 3,444 |
| Net loans and leases to deposits | 80.6043% | 3,532 |
| Net loans and leases to core deposits | 98.5700% | 2,283 |
| Total domestic deposits to total assets | 84.0834% | 4,108 |
| Equity capital to assets | 15.6786% | 723 |
| Core capital (leverage) ratio | 15.3969% | 668 |
| Tier 1 risk-based capital ratio | 19.6428% | 1,597 |
| Total risk-based capital ratio | 20.8948% | 1,562 |
| Memoranda: | ||
| Average total assets | $122,805,500 | 4,561 |
| Average earning assets | $118,044,500 | 4,421 |
| Average equity | $18,951,500 | 3,327 |
| Average total loans | $79,583,500 | 4,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 4,807 |
| Cost of funding earning assets | 1.7177% | 4,415 |
| Net interest margin | 3.6584% | 4,317 |
| Noninterest income to average assets | 0.5105% | 4,329 |
| Noninterest expense to average assets | 4.8559% | 582 |
| Loan and lease loss provision to assets | 1.1122% | 2,059 |
| Net operating income to assets | -1.9472% | 7,071 |
| Return on assets (ROA) | -1.9108% | 7,054 |
| Pretax return on assets | -1.9108% | 6,901 |
| Return on Equity (ROE) | -8.0828% | 6,471 |
| Retained earnings to average equity (ytd only) | -8.0828% | 6,352 |
| Net charge-offs to loans | 0.0775% | 6,338 |
| Credit loss provision to net charge-offs | 1,989.1304% | 162 |
| Earnings coverage of net charge-offs (x) | -14.9348% | 7,176 |
| Efficiency ratio | 120.7678% | 595 |
| Assets per employee ($millions) | 5.3990% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 7,072 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.7449% | 5,373 |
| Net loans and leases to deposits | 70.6645% | 5,515 |
| Net loans and leases to core deposits | 115.9527% | 2,326 |
| Total domestic deposits to total assets | 84.5472% | 3,776 |
| Equity capital to assets | 15.1911% | 872 |
| Core capital (leverage) ratio | 16.3569% | 566 |
| Tier 1 risk-based capital ratio | 20.1676% | 1,432 |
| Total risk-based capital ratio | 21.4169% | 1,393 |
| Memoranda: | ||
| Average total assets | $82,271,200 | 5,656 |
| Average earning assets | $78,942,200 | 5,491 |
| Average equity | $19,448,600 | 3,287 |
| Average total loans | $59,379,800 | 5,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 4,438 |
| Cost of funding earning assets | 1.6592% | 5,111 |
| Net interest margin | 3.8365% | 3,493 |
| Noninterest income to average assets | 0.3398% | 5,773 |
| Noninterest expense to average assets | 5.1386% | 445 |
| Loan and lease loss provision to assets | 0.9936% | 1,929 |
| Net operating income to assets | -2.1208% | 7,367 |
| Return on assets (ROA) | -2.0651% | 7,344 |
| Pretax return on assets | -2.0651% | 7,210 |
| Return on Equity (ROE) | -7.5665% | 6,702 |
| Retained earnings to average equity (ytd only) | -7.5665% | 6,556 |
| Net charge-offs to loans | 0.1108% | 5,569 |
| Credit loss provision to net charge-offs | 1,163.0435% | 327 |
| Earnings coverage of net charge-offs (x) | -13.1960% | 6,919 |
| Efficiency ratio | 128.1019% | 492 |
| Assets per employee ($millions) | 4.7363% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 6,920 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.6722% | 3,114 |
| Net loans and leases to deposits | 88.5675% | 2,860 |
| Net loans and leases to core deposits | 160.3354% | 373 |
| Total domestic deposits to total assets | 80.9238% | 5,106 |
| Equity capital to assets | 18.5762% | 461 |
| Core capital (leverage) ratio | 20.9173% | 263 |
| Tier 1 risk-based capital ratio | 22.2340% | 1,197 |
| Total risk-based capital ratio | 23.3271% | 1,199 |
| Memoranda: | ||
| Average total assets | $71,794,500 | 5,988 |
| Average earning assets | $68,707,000 | 5,894 |
| Average equity | $19,594,750 | 3,304 |
| Average total loans | $55,345,750 | 5,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 3,827 |
| Cost of funding earning assets | 1.5308% | 6,015 |
| Net interest margin | 4.1165% | 2,268 |
| Noninterest income to average assets | 0.0459% | 7,751 |
| Noninterest expense to average assets | 5.9679% | 322 |
| Loan and lease loss provision to assets | 1.2231% | 1,407 |
| Net operating income to assets | -3.2036% | 7,712 |
| Return on assets (ROA) | -3.2036% | 7,714 |
| Pretax return on assets | -3.2036% | 7,613 |
| Return on Equity (ROE) | -9.9317% | 7,029 |
| Retained earnings to average equity (ytd only) | -9.9317% | 6,870 |
| Net charge-offs to loans | 0.1894% | 4,368 |
| Credit loss provision to net charge-offs | 810.8696% | 580 |
| Earnings coverage of net charge-offs (x) | -13.1304% | 6,542 |
| Efficiency ratio | 149.6711% | 373 |
| Assets per employee ($millions) | 4.0093% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 6,685 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.2697% | 2,377 |
| Net loans and leases to deposits | 99.9189% | 1,294 |
| Net loans and leases to core deposits | 197.6908% | 127 |
| Total domestic deposits to total assets | 75.3308% | 6,690 |
| Equity capital to assets | 24.0594% | 228 |
| Core capital (leverage) ratio | 29.2581% | 148 |
| Tier 1 risk-based capital ratio | 27.3487% | 755 |
| Total risk-based capital ratio | 28.4641% | 751 |
| Memoranda: | ||
| Average total assets | $60,993,330 | 6,411 |
| Average earning assets | $58,399,330 | 6,293 |
| Average equity | $19,674,330 | 3,295 |
| Average total loans | $48,585,330 | 5,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 4,059 |
| Cost of funding earning assets | 1.4981% | 6,404 |
| Net interest margin | 4.1499% | 2,093 |
| Noninterest income to average assets | 0.0623% | 7,754 |
| Noninterest expense to average assets | 6.5217% | 236 |
| Loan and lease loss provision to assets | 1.6499% | 755 |
| Net operating income to assets | -4.0780% | 7,983 |
| Return on assets (ROA) | -4.0780% | 7,977 |
| Pretax return on assets | -4.0780% | 7,912 |
| Return on Equity (ROE) | -10.5510% | 7,398 |
| Retained earnings to average equity (ytd only) | -10.5510% | 7,162 |
| Net charge-offs to loans | 0.2175% | 3,340 |
| Credit loss provision to net charge-offs | 921.7391% | 671 |
| Earnings coverage of net charge-offs (x) | -13.5652% | 5,639 |
| Efficiency ratio | 159.3156% | 312 |
| Assets per employee ($millions) | 2.9097% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 6,849 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 88.6732% | 215 |
| Net loans and leases to deposits | 143.1956% | 79 |
| Net loans and leases to core deposits | 271.3701% | 50 |
| Total domestic deposits to total assets | 61.9246% | 7,919 |
| Equity capital to assets | 35.5304% | 110 |
| Core capital (leverage) ratio | 37.4096% | 106 |
| Tier 1 risk-based capital ratio | 34.3927% | 458 |
| Total risk-based capital ratio | 35.5294% | 451 |
| Memoranda: | ||
| Average total assets | $51,397,500 | 6,804 |
| Average earning assets | $49,928,500 | 6,663 |
| Average equity | $19,865,500 | 3,276 |
| Average total loans | $42,308,500 | 6,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 8,110 |
| Cost of funding earning assets | 1.3308% | 7,812 |
| Net interest margin | 2.5881% | 7,654 |
| Noninterest income to average assets | 0.0239% | 8,015 |
| Noninterest expense to average assets | 6.3121% | 358 |
| Loan and lease loss provision to assets | 1.0927% | 1,326 |
| Net operating income to assets | -4.8560% | 8,080 |
| Return on assets (ROA) | -4.8178% | 8,061 |
| Pretax return on assets | -4.8178% | 8,001 |
| Return on Equity (ROE) | -9.7844% | 7,265 |
| Retained earnings to average equity (ytd only) | -9.7844% | 7,054 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 247.6548% | 144 |
| Assets per employee ($millions) | 3.1673% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 3,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.5973% | 3,462 |
| Net loans and leases to deposits | 127.1698% | 255 |
| Net loans and leases to core deposits | 209.2900% | 142 |
| Total domestic deposits to total assets | 57.0869% | 8,037 |
| Equity capital to assets | 42.2816% | 94 |
| Core capital (leverage) ratio | 44.4257% | 94 |
| Tier 1 risk-based capital ratio | 47.9394% | 237 |
| Total risk-based capital ratio | 49.0356% | 235 |
| Memoranda: | ||
| Average total assets | $41,824,250 | 7,135 |
| Average earning assets | $40,802,750 | 7,007 |
| Average equity | $20,594,000 | 3,143 |
| Average total loans | $20,305,750 | 7,315 |