Home > Metropolitan National Bank > Performance and Condition Ratios
Metropolitan National Bank, Performance and Condition Ratios
| 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 | 3.8506% | 4,663 |
| Cost of funding earning assets | 0.4202% | 4,612 |
| Net interest margin | 3.4304% | 4,164 |
| Noninterest income to average assets | 2.4450% | 301 |
| Noninterest expense to average assets | 4.6967% | 440 |
| Loan and lease loss provision to assets | 0.0667% | 3,721 |
| Net operating income to assets | 0.4713% | 4,923 |
| Return on assets (ROA) | 0.4713% | 5,074 |
| Pretax return on assets | 0.4713% | 5,440 |
| Return on Equity (ROE) | 7.4118% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,682 |
| Net charge-offs to loans | -0.0789% | 6,441 |
| Credit loss provision to net charge-offs | -168.9189% | 5,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6077% | 1,033 |
| Assets per employee ($millions) | 2.4255% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7924% | 269 |
| Loan loss allowance to noncurrent loans | 70.6930% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 9.6490% | 149 |
| Noncurrent loans to loans | 5.3645% | 523 |
| Net loans and leases to total assets | 49.1681% | 5,230 |
| Net loans and leases to deposits | 56.1869% | 5,362 |
| Net loans and leases to core deposits | 58.2578% | 5,430 |
| Total domestic deposits to total assets | 87.5081% | 2,414 |
| Equity capital to assets | 6.2371% | 6,667 |
| Core capital (leverage) ratio | 6.8042% | 6,627 |
| Tier 1 risk-based capital ratio | 9.9923% | 6,597 |
| Total risk-based capital ratio | 11.2624% | 6,559 |
| Memoranda: | ||
| Average total assets | $999,965,500 | 661 |
| Average earning assets | $813,229,750 | 740 |
| Average equity | $63,590,500 | 1,144 |
| Average total loans | $499,944,500 | 846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,912 |
| Cost of funding earning assets | 0.4325% | 4,634 |
| Net interest margin | 3.3423% | 4,411 |
| Noninterest income to average assets | 2.4256% | 334 |
| Noninterest expense to average assets | 4.6585% | 465 |
| Loan and lease loss provision to assets | 0.0991% | 3,140 |
| Net operating income to assets | 0.3853% | 5,265 |
| Return on assets (ROA) | 0.3853% | 5,430 |
| Pretax return on assets | 0.3853% | 5,669 |
| Return on Equity (ROE) | 6.0217% | 4,163 |
| Retained earnings to average equity (ytd only) | 6.0217% | 2,430 |
| Net charge-offs to loans | 0.0451% | 4,042 |
| Credit loss provision to net charge-offs | 442.4779% | 613 |
| Earnings coverage of net charge-offs (x) | 21.6283% | 1,408 |
| Efficiency ratio | 90.4578% | 1,028 |
| Assets per employee ($millions) | 2.4478% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8073% | 295 |
| Loan loss allowance to noncurrent loans | 63.6436% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 9.8981% | 149 |
| Noncurrent loans to loans | 5.9822% | 477 |
| Net loans and leases to total assets | 47.0007% | 5,424 |
| Net loans and leases to deposits | 54.0256% | 5,521 |
| Net loans and leases to core deposits | 55.8838% | 5,605 |
| Total domestic deposits to total assets | 86.9972% | 2,826 |
| Equity capital to assets | 6.2719% | 6,719 |
| Core capital (leverage) ratio | 6.4565% | 6,703 |
| Tier 1 risk-based capital ratio | 9.8628% | 6,661 |
| Total risk-based capital ratio | 11.1324% | 6,639 |
| Memoranda: | ||
| Average total assets | $1,009,074,330 | 653 |
| Average earning assets | $820,383,000 | 733 |
| Average equity | $64,566,000 | 1,124 |
| Average total loans | $500,899,670 | 843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,845 |
| Cost of funding earning assets | 0.4470% | 4,626 |
| Net interest margin | 3.3450% | 4,334 |
| Noninterest income to average assets | 2.1911% | 384 |
| Noninterest expense to average assets | 4.6479% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2601% | 5,696 |
| Return on assets (ROA) | 0.2601% | 5,820 |
| Pretax return on assets | 0.2601% | 5,934 |
| Return on Equity (ROE) | 4.0267% | 5,078 |
| Retained earnings to average equity (ytd only) | 4.0267% | 3,815 |
| Net charge-offs to loans | -0.0338% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5556% | 799 |
| Assets per employee ($millions) | 2.5193% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6136% | 384 |
| Loan loss allowance to noncurrent loans | 57.8100% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 9.9432% | 193 |
| Noncurrent loans to loans | 6.2509% | 521 |
| Net loans and leases to total assets | 47.0787% | 5,325 |
| Net loans and leases to deposits | 54.8647% | 5,364 |
| Net loans and leases to core deposits | 56.6061% | 5,464 |
| Total domestic deposits to total assets | 85.8088% | 3,628 |
| Equity capital to assets | 6.4102% | 6,795 |
| Core capital (leverage) ratio | 6.2990% | 6,772 |
| Tier 1 risk-based capital ratio | 9.5864% | 6,750 |
| Total risk-based capital ratio | 10.8550% | 6,730 |
| Memoranda: | ||
| Average total assets | $1,017,933,000 | 654 |
| Average earning assets | $826,776,000 | 732 |
| Average equity | $65,760,500 | 1,121 |
| Average total loans | $509,156,000 | 834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 3,999 |
| Cost of funding earning assets | 0.5888% | 4,456 |
| Net interest margin | 3.7683% | 3,364 |
| Noninterest income to average assets | 2.1764% | 388 |
| Noninterest expense to average assets | 5.8702% | 232 |
| Loan and lease loss provision to assets | -0.5255% | 7,046 |
| Net operating income to assets | -0.1911% | 6,372 |
| Return on assets (ROA) | -0.1901% | 6,439 |
| Pretax return on assets | -0.1901% | 6,418 |
| Return on Equity (ROE) | -2.9589% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.9589% | 6,261 |
| Net charge-offs to loans | 0.4906% | 2,271 |
| Credit loss provision to net charge-offs | -189.9858% | 6,386 |
| Earnings coverage of net charge-offs (x) | -2.5906% | 5,856 |
| Efficiency ratio | 112.8048% | 293 |
| Assets per employee ($millions) | 2.4828% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4890% | 429 |
| Loan loss allowance to noncurrent loans | 55.5350% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 10.2929% | 208 |
| Noncurrent loans to loans | 6.2825% | 549 |
| Net loans and leases to total assets | 49.4240% | 5,253 |
| Net loans and leases to deposits | 56.2805% | 5,419 |
| Net loans and leases to core deposits | 58.0555% | 5,536 |
| Total domestic deposits to total assets | 87.8173% | 2,337 |
| Equity capital to assets | 6.5109% | 6,846 |
| Core capital (leverage) ratio | 6.3161% | 6,822 |
| Tier 1 risk-based capital ratio | 9.2717% | 6,831 |
| Total risk-based capital ratio | 10.5394% | 6,824 |
| Memoranda: | ||
| Average total assets | $1,021,653,400 | 652 |
| Average earning assets | $807,181,000 | 739 |
| Average equity | $65,632,400 | 1,076 |
| Average total loans | $576,069,200 | 719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 3,768 |
| Cost of funding earning assets | 0.6231% | 4,422 |
| Net interest margin | 3.8394% | 3,163 |
| Noninterest income to average assets | 2.2664% | 353 |
| Noninterest expense to average assets | 5.6233% | 250 |
| Loan and lease loss provision to assets | 0.0172% | 5,591 |
| Net operating income to assets | -0.3532% | 6,617 |
| Return on assets (ROA) | -0.3519% | 6,668 |
| Pretax return on assets | -0.3519% | 6,631 |
| Return on Equity (ROE) | -5.4964% | 6,736 |
| Retained earnings to average equity (ytd only) | -5.4964% | 6,645 |
| Net charge-offs to loans | 0.0736% | 4,676 |
| Credit loss provision to net charge-offs | 40.4908% | 4,608 |
| Earnings coverage of net charge-offs (x) | -7.9202% | 5,735 |
| Efficiency ratio | 106.2105% | 376 |
| Assets per employee ($millions) | 2.4619% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8234% | 163 |
| Loan loss allowance to noncurrent loans | 43.7945% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 14.9076% | 91 |
| Noncurrent loans to loans | 11.0137% | 203 |
| Net loans and leases to total assets | 51.6942% | 5,083 |
| Net loans and leases to deposits | 59.1479% | 5,300 |
| Net loans and leases to core deposits | 61.0080% | 5,454 |
| Total domestic deposits to total assets | 87.3982% | 2,425 |
| Equity capital to assets | 6.5214% | 6,939 |
| Core capital (leverage) ratio | 6.1470% | 6,936 |
| Tier 1 risk-based capital ratio | 8.8108% | 6,957 |
| Total risk-based capital ratio | 10.0917% | 6,956 |
| Memoranda: | ||
| Average total assets | $1,024,441,750 | 653 |
| Average earning assets | $806,048,000 | 746 |
| Average equity | $65,592,250 | 1,082 |
| Average total loans | $590,715,250 | 698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 4,178 |
| Cost of funding earning assets | 0.6584% | 4,372 |
| Net interest margin | 3.7441% | 3,617 |
| Noninterest income to average assets | 2.1661% | 357 |
| Noninterest expense to average assets | 5.3639% | 297 |
| Loan and lease loss provision to assets | 0.0255% | 5,345 |
| Net operating income to assets | -0.2831% | 6,604 |
| Return on assets (ROA) | -0.2831% | 6,666 |
| Pretax return on assets | -0.2831% | 6,630 |
| Return on Equity (ROE) | -4.4474% | 6,747 |
| Retained earnings to average equity (ytd only) | -4.4474% | 6,585 |
| Net charge-offs to loans | 0.0211% | 5,112 |
| Credit loss provision to net charge-offs | 206.2500% | 1,376 |
| Earnings coverage of net charge-offs (x) | -20.8125% | 5,481 |
| Efficiency ratio | 104.8959% | 417 |
| Assets per employee ($millions) | 2.5111% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5157% | 229 |
| Loan loss allowance to noncurrent loans | 39.5076% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 15.7181% | 86 |
| Noncurrent loans to loans | 11.4300% | 191 |
| Net loans and leases to total assets | 54.4490% | 4,717 |
| Net loans and leases to deposits | 62.3954% | 4,954 |
| Net loans and leases to core deposits | 64.5761% | 5,149 |
| Total domestic deposits to total assets | 87.2643% | 2,616 |
| Equity capital to assets | 6.4577% | 6,988 |
| Core capital (leverage) ratio | 6.1271% | 6,973 |
| Tier 1 risk-based capital ratio | 8.4400% | 7,018 |
| Total risk-based capital ratio | 9.7185% | 7,019 |
| Memoranda: | ||
| Average total assets | $1,034,392,670 | 641 |
| Average earning assets | $812,308,330 | 740 |
| Average equity | $65,836,000 | 1,070 |
| Average total loans | $607,553,330 | 680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 4,006 |
| Cost of funding earning assets | 0.6953% | 4,322 |
| Net interest margin | 3.7835% | 3,469 |
| Noninterest income to average assets | 2.1746% | 359 |
| Noninterest expense to average assets | 5.5281% | 262 |
| Loan and lease loss provision to assets | 0.0188% | 5,102 |
| Net operating income to assets | -0.4002% | 6,772 |
| Return on assets (ROA) | -0.4002% | 6,807 |
| Pretax return on assets | -0.4002% | 6,786 |
| Return on Equity (ROE) | -6.3327% | 6,899 |
| Retained earnings to average equity (ytd only) | -6.3327% | 6,680 |
| Net charge-offs to loans | -0.4200% | 7,123 |
| Credit loss provision to net charge-offs | -7.5269% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2597% | 385 |
| Assets per employee ($millions) | 2.5437% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4093% | 265 |
| Loan loss allowance to noncurrent loans | 35.1140% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 16.3773% | 84 |
| Noncurrent loans to loans | 12.5570% | 181 |
| Net loans and leases to total assets | 56.5742% | 4,278 |
| Net loans and leases to deposits | 64.6808% | 4,541 |
| Net loans and leases to core deposits | 66.9037% | 4,814 |
| Total domestic deposits to total assets | 87.4667% | 2,678 |
| Equity capital to assets | 6.3371% | 7,038 |
| Core capital (leverage) ratio | 6.1777% | 7,018 |
| Tier 1 risk-based capital ratio | 8.2932% | 7,081 |
| Total risk-based capital ratio | 9.5716% | 7,079 |
| Memoranda: | ||
| Average total assets | $1,040,571,000 | 641 |
| Average earning assets | $817,448,500 | 739 |
| Average equity | $65,754,000 | 1,070 |
| Average total loans | $619,927,000 | 673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 4,372 |
| Cost of funding earning assets | 1.0899% | 2,737 |
| Net interest margin | 3.5806% | 4,804 |
| Noninterest income to average assets | 2.3948% | 282 |
| Noninterest expense to average assets | 4.9880% | 384 |
| Loan and lease loss provision to assets | 0.5180% | 2,028 |
| Net operating income to assets | -0.4112% | 6,425 |
| Return on assets (ROA) | -0.4109% | 6,474 |
| Pretax return on assets | -0.2729% | 6,335 |
| Return on Equity (ROE) | -7.1499% | 6,642 |
| Retained earnings to average equity (ytd only) | -7.1499% | 6,582 |
| Net charge-offs to loans | 1.4578% | 1,109 |
| Credit loss provision to net charge-offs | 58.9480% | 5,193 |
| Earnings coverage of net charge-offs (x) | 0.2785% | 5,621 |
| Efficiency ratio | 94.8387% | 873 |
| Assets per employee ($millions) | 2.5823% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1757% | 332 |
| Loan loss allowance to noncurrent loans | 33.9314% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 17.7060% | 78 |
| Noncurrent loans to loans | 12.3062% | 204 |
| Net loans and leases to total assets | 57.4579% | 4,471 |
| Net loans and leases to deposits | 65.8357% | 4,764 |
| Net loans and leases to core deposits | 68.2836% | 4,991 |
| Total domestic deposits to total assets | 87.2746% | 2,594 |
| Equity capital to assets | 6.3012% | 7,059 |
| Core capital (leverage) ratio | 5.9260% | 7,064 |
| Tier 1 risk-based capital ratio | 8.0780% | 7,106 |
| Total risk-based capital ratio | 9.3535% | 7,106 |
| Memoranda: | ||
| Average total assets | $1,172,613,400 | 555 |
| Average earning assets | $929,386,000 | 638 |
| Average equity | $67,385,800 | 996 |
| Average total loans | $706,826,600 | 583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 4,768 |
| Cost of funding earning assets | 1.1655% | 2,530 |
| Net interest margin | 3.4590% | 5,361 |
| Noninterest income to average assets | 2.3759% | 288 |
| Noninterest expense to average assets | 4.8775% | 416 |
| Loan and lease loss provision to assets | 0.6645% | 1,458 |
| Net operating income to assets | -0.5932% | 6,694 |
| Return on assets (ROA) | -0.5932% | 6,735 |
| Pretax return on assets | -0.4139% | 6,578 |
| Return on Equity (ROE) | -10.5437% | 6,908 |
| Retained earnings to average equity (ytd only) | -10.5437% | 6,874 |
| Net charge-offs to loans | 1.1461% | 1,379 |
| Credit loss provision to net charge-offs | 96.0762% | 3,573 |
| Earnings coverage of net charge-offs (x) | 0.3623% | 5,339 |
| Efficiency ratio | 94.9455% | 870 |
| Assets per employee ($millions) | 2.7888% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5302% | 258 |
| Loan loss allowance to noncurrent loans | 27.3111% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 19.2793% | 65 |
| Noncurrent loans to loans | 16.5875% | 99 |
| Net loans and leases to total assets | 56.9763% | 4,690 |
| Net loans and leases to deposits | 66.1046% | 4,888 |
| Net loans and leases to core deposits | 69.5334% | 4,999 |
| Total domestic deposits to total assets | 86.1912% | 3,097 |
| Equity capital to assets | 6.1374% | 7,173 |
| Core capital (leverage) ratio | 5.5688% | 7,177 |
| Tier 1 risk-based capital ratio | 7.7763% | 7,204 |
| Total risk-based capital ratio | 9.0566% | 7,205 |
| Memoranda: | ||
| Average total assets | $1,203,666,000 | 549 |
| Average earning assets | $957,699,500 | 624 |
| Average equity | $67,716,750 | 1,000 |
| Average total loans | $726,373,250 | 574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 5,363 |
| Cost of funding earning assets | 1.2275% | 2,397 |
| Net interest margin | 3.2697% | 5,938 |
| Noninterest income to average assets | 2.4306% | 280 |
| Noninterest expense to average assets | 4.7534% | 459 |
| Loan and lease loss provision to assets | 0.6345% | 1,511 |
| Net operating income to assets | -0.6136% | 6,766 |
| Return on assets (ROA) | -0.6136% | 6,780 |
| Pretax return on assets | -0.3509% | 6,562 |
| Return on Equity (ROE) | -11.2148% | 6,972 |
| Retained earnings to average equity (ytd only) | -11.2148% | 6,919 |
| Net charge-offs to loans | 0.7182% | 2,076 |
| Credit loss provision to net charge-offs | 145.9127% | 2,096 |
| Earnings coverage of net charge-offs (x) | 0.6521% | 4,809 |
| Efficiency ratio | 94.2026% | 965 |
| Assets per employee ($millions) | 2.8347% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3127% | 331 |
| Loan loss allowance to noncurrent loans | 26.5571% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 19.3327% | 71 |
| Noncurrent loans to loans | 16.2394% | 110 |
| Net loans and leases to total assets | 59.8069% | 4,308 |
| Net loans and leases to deposits | 69.4659% | 4,505 |
| Net loans and leases to core deposits | 73.0679% | 4,700 |
| Total domestic deposits to total assets | 86.0953% | 3,270 |
| Equity capital to assets | 5.7698% | 7,272 |
| Core capital (leverage) ratio | 5.4580% | 7,259 |
| Tier 1 risk-based capital ratio | 7.3056% | 7,293 |
| Total risk-based capital ratio | 8.5842% | 7,295 |
| Memoranda: | ||
| Average total assets | $1,232,118,000 | 545 |
| Average earning assets | $982,158,000 | 614 |
| Average equity | $67,410,670 | 1,002 |
| Average total loans | $746,028,670 | 568 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 5,593 |
| Cost of funding earning assets | 1.3085% | 2,130 |
| Net interest margin | 3.1186% | 6,294 |
| Noninterest income to average assets | 2.1692% | 329 |
| Noninterest expense to average assets | 4.7153% | 470 |
| Loan and lease loss provision to assets | 0.7079% | 1,198 |
| Net operating income to assets | -1.2867% | 7,131 |
| Return on assets (ROA) | -1.2867% | 7,136 |
| Pretax return on assets | -0.7730% | 6,903 |
| Return on Equity (ROE) | -24.1327% | 7,269 |
| Retained earnings to average equity (ytd only) | -24.1327% | 7,227 |
| Net charge-offs to loans | 0.1943% | 3,338 |
| Credit loss provision to net charge-offs | 610.9589% | 608 |
| Earnings coverage of net charge-offs (x) | -0.5616% | 4,813 |
| Efficiency ratio | 101.2220% | 699 |
| Assets per employee ($millions) | 2.8832% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3832% | 319 |
| Loan loss allowance to noncurrent loans | 27.0672% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 20.5598% | 58 |
| Noncurrent loans to loans | 16.1938% | 118 |
| Net loans and leases to total assets | 57.4471% | 4,729 |
| Net loans and leases to deposits | 65.7191% | 5,015 |
| Net loans and leases to core deposits | 69.6435% | 5,093 |
| Total domestic deposits to total assets | 87.4132% | 2,705 |
| Equity capital to assets | 5.3017% | 7,353 |
| Core capital (leverage) ratio | 5.1100% | 7,351 |
| Tier 1 risk-based capital ratio | 7.0575% | 7,362 |
| Total risk-based capital ratio | 8.3352% | 7,366 |
| Memoranda: | ||
| Average total assets | $1,259,985,500 | 528 |
| Average earning assets | $1,002,387,500 | 603 |
| Average equity | $67,178,500 | 998 |
| Average total loans | $751,409,000 | 572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 6,217 |
| Cost of funding earning assets | 1.5030% | 2,622 |
| Net interest margin | 3.0574% | 6,626 |
| Noninterest income to average assets | 1.5702% | 596 |
| Noninterest expense to average assets | 4.4713% | 672 |
| Loan and lease loss provision to assets | 0.8102% | 2,014 |
| Net operating income to assets | -1.0691% | 6,724 |
| Return on assets (ROA) | -0.8713% | 6,639 |
| Pretax return on assets | -0.9386% | 6,595 |
| Return on Equity (ROE) | -15.4378% | 6,931 |
| Retained earnings to average equity (ytd only) | -15.4378% | 6,895 |
| Net charge-offs to loans | 2.7408% | 653 |
| Credit loss provision to net charge-offs | 46.2674% | 6,312 |
| Earnings coverage of net charge-offs (x) | -0.1948% | 6,290 |
| Efficiency ratio | 108.0751% | 575 |
| Assets per employee ($millions) | 2.9695% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9849% | 410 |
| Loan loss allowance to noncurrent loans | 25.8316% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 19.2934% | 75 |
| Noncurrent loans to loans | 15.4265% | 151 |
| Net loans and leases to total assets | 56.8543% | 5,207 |
| Net loans and leases to deposits | 66.6297% | 5,317 |
| Net loans and leases to core deposits | 71.1016% | 5,322 |
| Total domestic deposits to total assets | 85.3287% | 3,705 |
| Equity capital to assets | 5.3602% | 7,408 |
| Core capital (leverage) ratio | 5.2213% | 7,393 |
| Tier 1 risk-based capital ratio | 7.2770% | 7,401 |
| Total risk-based capital ratio | 8.5515% | 7,404 |
| Memoranda: | ||
| Average total assets | $1,377,753,000 | 492 |
| Average earning assets | $1,153,612,800 | 529 |
| Average equity | $77,757,200 | 848 |
| Average total loans | $880,219,200 | 510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 6,632 |
| Cost of funding earning assets | 1.5239% | 2,814 |
| Net interest margin | 2.9655% | 6,903 |
| Noninterest income to average assets | 1.4148% | 677 |
| Noninterest expense to average assets | 4.3555% | 701 |
| Loan and lease loss provision to assets | 0.6060% | 2,514 |
| Net operating income to assets | -0.9453% | 6,869 |
| Return on assets (ROA) | -0.7042% | 6,781 |
| Pretax return on assets | -0.7744% | 6,723 |
| Return on Equity (ROE) | -12.3338% | 7,023 |
| Retained earnings to average equity (ytd only) | -12.3338% | 6,986 |
| Net charge-offs to loans | 2.5484% | 655 |
| Credit loss provision to net charge-offs | 36.6043% | 6,072 |
| Earnings coverage of net charge-offs (x) | -0.2618% | 6,222 |
| Efficiency ratio | 110.8595% | 508 |
| Assets per employee ($millions) | 3.0507% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9224% | 394 |
| Loan loss allowance to noncurrent loans | 21.9046% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 20.1027% | 61 |
| Noncurrent loans to loans | 17.9066% | 108 |
| Net loans and leases to total assets | 59.5819% | 4,984 |
| Net loans and leases to deposits | 70.2912% | 5,105 |
| Net loans and leases to core deposits | 75.4220% | 5,128 |
| Total domestic deposits to total assets | 84.7644% | 3,742 |
| Equity capital to assets | 5.7879% | 7,511 |
| Core capital (leverage) ratio | 5.4036% | 7,507 |
| Tier 1 risk-based capital ratio | 7.4166% | 7,522 |
| Total risk-based capital ratio | 8.6917% | 7,522 |
| Memoranda: | ||
| Average total assets | $1,399,257,750 | 475 |
| Average earning assets | $1,183,074,750 | 511 |
| Average equity | $79,886,750 | 823 |
| Average total loans | $909,052,500 | 493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 6,763 |
| Cost of funding earning assets | 1.5362% | 3,029 |
| Net interest margin | 2.9369% | 6,956 |
| Noninterest income to average assets | 1.4024% | 646 |
| Noninterest expense to average assets | 4.2155% | 803 |
| Loan and lease loss provision to assets | 0.8830% | 1,649 |
| Net operating income to assets | -1.0332% | 6,961 |
| Return on assets (ROA) | -0.7077% | 6,825 |
| Pretax return on assets | -0.8114% | 6,788 |
| Return on Equity (ROE) | -12.4487% | 7,055 |
| Retained earnings to average equity (ytd only) | -12.4487% | 7,013 |
| Net charge-offs to loans | 2.9412% | 551 |
| Credit loss provision to net charge-offs | 45.5635% | 5,512 |
| Earnings coverage of net charge-offs (x) | -0.1561% | 5,844 |
| Efficiency ratio | 107.5449% | 598 |
| Assets per employee ($millions) | 3.0830% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1536% | 323 |
| Loan loss allowance to noncurrent loans | 36.1125% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 15.6414% | 121 |
| Noncurrent loans to loans | 11.5019% | 324 |
| Net loans and leases to total assets | 60.4595% | 4,975 |
| Net loans and leases to deposits | 70.6878% | 5,183 |
| Net loans and leases to core deposits | 75.5223% | 5,248 |
| Total domestic deposits to total assets | 85.5303% | 3,358 |
| Equity capital to assets | 5.6570% | 7,577 |
| Core capital (leverage) ratio | 5.4357% | 7,560 |
| Tier 1 risk-based capital ratio | 7.2888% | 7,575 |
| Total risk-based capital ratio | 8.5662% | 7,582 |
| Memoranda: | ||
| Average total assets | $1,421,293,670 | 469 |
| Average earning assets | $1,214,953,330 | 494 |
| Average equity | $80,795,330 | 810 |
| Average total loans | $936,488,670 | 478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 6,930 |
| Cost of funding earning assets | 1.5474% | 3,281 |
| Net interest margin | 2.8879% | 7,036 |
| Noninterest income to average assets | 1.3848% | 631 |
| Noninterest expense to average assets | 3.8582% | 1,232 |
| Loan and lease loss provision to assets | 1.7118% | 662 |
| Net operating income to assets | -1.2974% | 7,250 |
| Return on assets (ROA) | -0.7237% | 6,990 |
| Pretax return on assets | -0.9275% | 7,017 |
| Return on Equity (ROE) | -12.7010% | 7,247 |
| Retained earnings to average equity (ytd only) | -12.7010% | 7,110 |
| Net charge-offs to loans | 4.8303% | 255 |
| Credit loss provision to net charge-offs | 52.7177% | 4,442 |
| Earnings coverage of net charge-offs (x) | 0.0150% | 5,013 |
| Efficiency ratio | 98.5697% | 898 |
| Assets per employee ($millions) | 3.1244% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9904% | 383 |
| Loan loss allowance to noncurrent loans | 24.6548% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 14.1248% | 160 |
| Noncurrent loans to loans | 16.1850% | 146 |
| Net loans and leases to total assets | 64.5590% | 4,201 |
| Net loans and leases to deposits | 76.7747% | 4,267 |
| Net loans and leases to core deposits | 81.9026% | 4,501 |
| Total domestic deposits to total assets | 84.0890% | 4,106 |
| Equity capital to assets | 5.6354% | 7,668 |
| Core capital (leverage) ratio | 5.4389% | 7,662 |
| Tier 1 risk-based capital ratio | 7.4119% | 7,665 |
| Total risk-based capital ratio | 8.6910% | 7,670 |
| Memoranda: | ||
| Average total assets | $1,445,970,500 | 477 |
| Average earning assets | $1,262,784,000 | 488 |
| Average equity | $82,387,500 | 803 |
| Average total loans | $972,026,000 | 481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 6,991 |
| Cost of funding earning assets | 1.8388% | 3,790 |
| Net interest margin | 2.9411% | 6,778 |
| Noninterest income to average assets | 1.2730% | 932 |
| Noninterest expense to average assets | 3.6233% | 2,095 |
| Loan and lease loss provision to assets | 5.6604% | 134 |
| Net operating income to assets | -5.0955% | 7,758 |
| Return on assets (ROA) | -5.0653% | 7,748 |
| Pretax return on assets | -5.3882% | 7,747 |
| Return on Equity (ROE) | -65.1632% | 7,780 |
| Retained earnings to average equity (ytd only) | -66.1353% | 7,783 |
| Net charge-offs to loans | 7.2684% | 106 |
| Credit loss provision to net charge-offs | 115.3821% | 4,728 |
| Earnings coverage of net charge-offs (x) | 0.0489% | 6,128 |
| Efficiency ratio | 93.5939% | 1,439 |
| Assets per employee ($millions) | 3.2737% | 5,554 |
| Cash dividends to net income (ytd only)* | -1.4919% | 7,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3686% | 275 |
| Loan loss allowance to noncurrent loans | 28.0391% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 13.0641% | 200 |
| Noncurrent loans to loans | 15.5802% | 157 |
| Net loans and leases to total assets | 64.2689% | 4,539 |
| Net loans and leases to deposits | 78.0593% | 4,360 |
| Net loans and leases to core deposits | 108.0890% | 3,095 |
| Total domestic deposits to total assets | 82.3335% | 4,800 |
| Equity capital to assets | 5.7572% | 7,696 |
| Core capital (leverage) ratio | 5.3973% | 7,726 |
| Tier 1 risk-based capital ratio | 7.3129% | 7,713 |
| Total risk-based capital ratio | 8.5962% | 7,717 |
| Memoranda: | ||
| Average total assets | $1,582,669,200 | 435 |
| Average earning assets | $1,393,959,200 | 449 |
| Average equity | $123,025,000 | 539 |
| Average total loans | $1,068,219,200 | 458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 7,018 |
| Cost of funding earning assets | 1.8891% | 3,934 |
| Net interest margin | 2.9589% | 6,708 |
| Noninterest income to average assets | 1.2799% | 940 |
| Noninterest expense to average assets | 3.5680% | 2,101 |
| Loan and lease loss provision to assets | 5.4059% | 145 |
| Net operating income to assets | -4.5683% | 7,799 |
| Return on assets (ROA) | -4.5466% | 7,803 |
| Pretax return on assets | -5.0621% | 7,818 |
| Return on Equity (ROE) | -55.1974% | 7,871 |
| Retained earnings to average equity (ytd only) | -56.4011% | 7,875 |
| Net charge-offs to loans | 6.7489% | 117 |
| Credit loss provision to net charge-offs | 118.5583% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.0701% | 5,976 |
| Efficiency ratio | 91.5903% | 1,572 |
| Assets per employee ($millions) | 3.3478% | 5,265 |
| Cash dividends to net income (ytd only)* | -2.1806% | 7,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0603% | 286 |
| Loan loss allowance to noncurrent loans | 29.5167% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 11.5445% | 255 |
| Noncurrent loans to loans | 13.7559% | 192 |
| Net loans and leases to total assets | 64.2752% | 4,805 |
| Net loans and leases to deposits | 78.4836% | 4,665 |
| Net loans and leases to core deposits | 107.0552% | 3,582 |
| Total domestic deposits to total assets | 81.8964% | 4,714 |
| Equity capital to assets | 7.1953% | 7,492 |
| Core capital (leverage) ratio | 6.6732% | 7,600 |
| Tier 1 risk-based capital ratio | 9.0827% | 7,588 |
| Total risk-based capital ratio | 10.3616% | 7,586 |
| Memoranda: | ||
| Average total assets | $1,608,405,250 | 442 |
| Average earning assets | $1,417,515,750 | 458 |
| Average equity | $132,483,500 | 517 |
| Average total loans | $1,086,662,500 | 465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 7,029 |
| Cost of funding earning assets | 1.9397% | 4,062 |
| Net interest margin | 2.9597% | 6,658 |
| Noninterest income to average assets | 1.2771% | 938 |
| Noninterest expense to average assets | 3.4802% | 2,398 |
| Loan and lease loss provision to assets | 6.2452% | 122 |
| Net operating income to assets | -5.0683% | 7,942 |
| Return on assets (ROA) | -5.0373% | 7,932 |
| Pretax return on assets | -5.7989% | 7,935 |
| Return on Equity (ROE) | -58.8275% | 7,966 |
| Retained earnings to average equity (ytd only) | -60.5376% | 7,968 |
| Net charge-offs to loans | 6.4198% | 155 |
| Credit loss provision to net charge-offs | 143.6101% | 3,230 |
| Earnings coverage of net charge-offs (x) | 0.0944% | 5,584 |
| Efficiency ratio | 89.2599% | 1,881 |
| Assets per employee ($millions) | 3.2652% | 5,416 |
| Cash dividends to net income (ytd only)* | -2.9071% | 7,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3564% | 197 |
| Loan loss allowance to noncurrent loans | 32.6077% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 10.0346% | 291 |
| Noncurrent loans to loans | 13.3599% | 172 |
| Net loans and leases to total assets | 64.7431% | 4,825 |
| Net loans and leases to deposits | 80.8006% | 4,419 |
| Net loans and leases to core deposits | 108.8281% | 3,512 |
| Total domestic deposits to total assets | 80.1270% | 5,429 |
| Equity capital to assets | 7.6648% | 7,119 |
| Core capital (leverage) ratio | 7.3270% | 7,213 |
| Tier 1 risk-based capital ratio | 9.9242% | 7,017 |
| Total risk-based capital ratio | 11.2072% | 6,906 |
| Memoranda: | ||
| Average total assets | $1,633,450,000 | 445 |
| Average earning assets | $1,442,588,000 | 460 |
| Average equity | $139,870,000 | 504 |
| Average total loans | $1,106,476,330 | 472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 6,666 |
| Cost of funding earning assets | 1.9965% | 4,149 |
| Net interest margin | 3.0961% | 6,210 |
| Noninterest income to average assets | 1.1864% | 1,029 |
| Noninterest expense to average assets | 3.1636% | 3,138 |
| Loan and lease loss provision to assets | 4.3342% | 208 |
| Net operating income to assets | -2.1243% | 7,693 |
| Return on assets (ROA) | -2.0822% | 7,680 |
| Pretax return on assets | -3.5100% | 7,840 |
| Return on Equity (ROE) | -23.1467% | 7,812 |
| Retained earnings to average equity (ytd only) | -26.3631% | 7,802 |
| Net charge-offs to loans | 2.6837% | 498 |
| Credit loss provision to net charge-offs | 238.3398% | 1,948 |
| Earnings coverage of net charge-offs (x) | 0.4171% | 4,656 |
| Efficiency ratio | 80.4959% | 2,745 |
| Assets per employee ($millions) | 3.2756% | 5,383 |
| Cash dividends to net income (ytd only)* | -13.8957% | 8,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7653% | 266 |
| Loan loss allowance to noncurrent loans | 53.5697% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 5.7085% | 725 |
| Noncurrent loans to loans | 7.0288% | 572 |
| Net loans and leases to total assets | 65.6466% | 4,659 |
| Net loans and leases to deposits | 84.2245% | 3,945 |
| Net loans and leases to core deposits | 112.4074% | 3,177 |
| Total domestic deposits to total assets | 77.9424% | 6,029 |
| Equity capital to assets | 9.4729% | 4,706 |
| Core capital (leverage) ratio | 9.0589% | 4,610 |
| Tier 1 risk-based capital ratio | 11.9554% | 4,995 |
| Total risk-based capital ratio | 13.2313% | 4,870 |
| Memoranda: | ||
| Average total assets | $1,653,458,000 | 441 |
| Average earning assets | $1,460,927,500 | 457 |
| Average equity | $148,738,000 | 471 |
| Average total loans | $1,120,401,000 | 470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0860% | 5,115 |
| Cost of funding earning assets | 2.6939% | 3,182 |
| Net interest margin | 3.3921% | 5,688 |
| Noninterest income to average assets | 1.3722% | 764 |
| Noninterest expense to average assets | 2.8818% | 4,510 |
| Loan and lease loss provision to assets | 1.5369% | 873 |
| Net operating income to assets | 0.0455% | 6,246 |
| Return on assets (ROA) | 0.0790% | 6,004 |
| Pretax return on assets | 0.0037% | 6,148 |
| Return on Equity (ROE) | 0.9479% | 5,932 |
| Retained earnings to average equity (ytd only) | -1.8269% | 5,823 |
| Net charge-offs to loans | 0.7899% | 1,574 |
| Credit loss provision to net charge-offs | 282.2215% | 1,616 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 4,703 |
| Efficiency ratio | 65.5099% | 5,221 |
| Assets per employee ($millions) | 3.3446% | 5,104 |
| Cash dividends to net income (ytd only)* | 292.7338% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7925% | 516 |
| Loan loss allowance to noncurrent loans | 99.2439% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.5104% | 1,929 |
| Noncurrent loans to loans | 2.8137% | 1,929 |
| Net loans and leases to total assets | 65.4392% | 4,962 |
| Net loans and leases to deposits | 89.3113% | 3,576 |
| Net loans and leases to core deposits | 121.2316% | 2,587 |
| Total domestic deposits to total assets | 73.2709% | 6,783 |
| Equity capital to assets | 8.5309% | 6,031 |
| Core capital (leverage) ratio | 8.4394% | 5,678 |
| Tier 1 risk-based capital ratio | 10.8797% | 5,833 |
| Total risk-based capital ratio | 12.1446% | 5,735 |
| Memoranda: | ||
| Average total assets | $1,758,950,400 | 406 |
| Average earning assets | $1,564,328,800 | 407 |
| Average equity | $146,639,800 | 472 |
| Average total loans | $1,212,651,000 | 425 |