Home > Monroe County Bank > Performance and Condition Ratios
Monroe County 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 | 4.5808% | 1,584 |
| Cost of funding earning assets | 1.0061% | 251 |
| Net interest margin | 3.5747% | 3,466 |
| Noninterest income to average assets | 0.5583% | 3,061 |
| Noninterest expense to average assets | 3.3626% | 1,775 |
| Loan and lease loss provision to assets | 0.2834% | 714 |
| Net operating income to assets | 0.2920% | 5,596 |
| Return on assets (ROA) | 0.2920% | 5,662 |
| Pretax return on assets | 0.2920% | 5,795 |
| Return on Equity (ROE) | 3.3778% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.3778% | 4,051 |
| Net charge-offs to loans | 0.1475% | 2,204 |
| Credit loss provision to net charge-offs | 293.3333% | 874 |
| Earnings coverage of net charge-offs (x) | 5.9556% | 2,844 |
| Efficiency ratio | 85.3871% | 1,333 |
| Assets per employee ($millions) | 3.7729% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,056 |
| Loan loss allowance to noncurrent loans | 146.5872% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.9857% | 1,619 |
| Noncurrent loans to loans | 1.4882% | 2,336 |
| Net loans and leases to total assets | 64.3194% | 3,027 |
| Net loans and leases to deposits | 70.6460% | 3,734 |
| Net loans and leases to core deposits | 71.5804% | 4,087 |
| Total domestic deposits to total assets | 91.0446% | 403 |
| Equity capital to assets | 8.6151% | 5,702 |
| Core capital (leverage) ratio | 8.7267% | 5,363 |
| Tier 1 risk-based capital ratio | 15.3032% | 3,468 |
| Total risk-based capital ratio | 16.5687% | 3,410 |
| Memoranda: | ||
| Average total assets | $93,141,330 | 4,844 |
| Average earning assets | $88,062,670 | 4,775 |
| Average equity | $8,052,670 | 5,262 |
| Average total loans | $60,997,330 | 4,518 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,686 |
| Cost of funding earning assets | 1.0062% | 268 |
| Net interest margin | 3.5310% | 3,568 |
| Noninterest income to average assets | 0.5316% | 3,181 |
| Noninterest expense to average assets | 3.3495% | 1,824 |
| Loan and lease loss provision to assets | 0.2852% | 702 |
| Net operating income to assets | 0.2334% | 5,708 |
| Return on assets (ROA) | 0.2334% | 5,756 |
| Pretax return on assets | 0.2334% | 5,862 |
| Return on Equity (ROE) | 2.6946% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.6946% | 4,466 |
| Net charge-offs to loans | -0.0132% | 5,153 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5922% | 1,380 |
| Assets per employee ($millions) | 3.8628% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1871% | 1,187 |
| Loan loss allowance to noncurrent loans | 96.2482% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.3413% | 1,397 |
| Noncurrent loans to loans | 2.2724% | 1,583 |
| Net loans and leases to total assets | 61.7786% | 3,275 |
| Net loans and leases to deposits | 67.5693% | 3,905 |
| Net loans and leases to core deposits | 68.4367% | 4,264 |
| Total domestic deposits to total assets | 91.4300% | 401 |
| Equity capital to assets | 8.3288% | 5,803 |
| Core capital (leverage) ratio | 8.8453% | 5,204 |
| Tier 1 risk-based capital ratio | 15.4533% | 3,465 |
| Total risk-based capital ratio | 16.7195% | 3,417 |
| Memoranda: | ||
| Average total assets | $92,550,500 | 4,904 |
| Average earning assets | $87,454,000 | 4,837 |
| Average equity | $8,016,000 | 5,286 |
| Average total loans | $60,485,500 | 4,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 1,387 |
| Cost of funding earning assets | 1.1000% | 285 |
| Net interest margin | 3.6668% | 3,185 |
| Noninterest income to average assets | 0.6902% | 2,596 |
| Noninterest expense to average assets | 3.4394% | 1,791 |
| Loan and lease loss provision to assets | 0.4136% | 718 |
| Net operating income to assets | 0.2823% | 5,585 |
| Return on assets (ROA) | 0.2823% | 5,676 |
| Pretax return on assets | 0.2823% | 5,775 |
| Return on Equity (ROE) | 3.1190% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.1190% | 4,016 |
| Net charge-offs to loans | 0.4908% | 1,356 |
| Credit loss provision to net charge-offs | 125.0871% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.1045% | 4,334 |
| Efficiency ratio | 83.1708% | 1,728 |
| Assets per employee ($millions) | 3.6888% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1108% | 1,318 |
| Loan loss allowance to noncurrent loans | 103.6855% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.3709% | 1,463 |
| Noncurrent loans to loans | 2.0357% | 1,954 |
| Net loans and leases to total assets | 66.3173% | 2,644 |
| Net loans and leases to deposits | 73.0549% | 3,391 |
| Net loans and leases to core deposits | 74.0855% | 3,829 |
| Total domestic deposits to total assets | 90.7773% | 670 |
| Equity capital to assets | 9.0239% | 5,008 |
| Core capital (leverage) ratio | 8.9645% | 5,055 |
| Tier 1 risk-based capital ratio | 15.4847% | 3,385 |
| Total risk-based capital ratio | 16.7503% | 3,327 |
| Memoranda: | ||
| Average total assets | $86,788,400 | 5,057 |
| Average earning assets | $81,542,600 | 4,999 |
| Average equity | $7,855,000 | 5,379 |
| Average total loans | $58,479,600 | 4,665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,436 |
| Cost of funding earning assets | 1.1050% | 300 |
| Net interest margin | 3.6585% | 3,201 |
| Noninterest income to average assets | 0.7365% | 2,430 |
| Noninterest expense to average assets | 3.4524% | 1,711 |
| Loan and lease loss provision to assets | 0.4617% | 613 |
| Net operating income to assets | 0.2579% | 5,761 |
| Return on assets (ROA) | 0.2579% | 5,861 |
| Pretax return on assets | 0.2579% | 5,958 |
| Return on Equity (ROE) | 2.8468% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.8468% | 4,619 |
| Net charge-offs to loans | 0.5897% | 1,065 |
| Credit loss provision to net charge-offs | 116.3424% | 2,026 |
| Earnings coverage of net charge-offs (x) | 1.8132% | 4,228 |
| Efficiency ratio | 82.7535% | 1,727 |
| Assets per employee ($millions) | 3.5015% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 1,506 |
| Loan loss allowance to noncurrent loans | 77.7848% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.7988% | 1,336 |
| Noncurrent loans to loans | 2.6974% | 1,568 |
| Net loans and leases to total assets | 65.8822% | 2,664 |
| Net loans and leases to deposits | 72.6265% | 3,442 |
| Net loans and leases to core deposits | 74.1123% | 3,832 |
| Total domestic deposits to total assets | 90.7137% | 650 |
| Equity capital to assets | 9.0361% | 5,145 |
| Core capital (leverage) ratio | 9.0492% | 5,050 |
| Tier 1 risk-based capital ratio | 15.6124% | 3,399 |
| Total risk-based capital ratio | 16.8775% | 3,349 |
| Memoranda: | ||
| Average total assets | $86,352,500 | 5,115 |
| Average earning assets | $81,087,250 | 5,053 |
| Average equity | $7,821,500 | 5,444 |
| Average total loans | $58,105,000 | 4,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 1,440 |
| Cost of funding earning assets | 1.1146% | 314 |
| Net interest margin | 3.6368% | 3,218 |
| Noninterest income to average assets | 0.8213% | 2,104 |
| Noninterest expense to average assets | 3.4436% | 1,729 |
| Loan and lease loss provision to assets | 0.5561% | 474 |
| Net operating income to assets | 0.2303% | 5,822 |
| Return on assets (ROA) | 0.2303% | 5,947 |
| Pretax return on assets | 0.2303% | 6,030 |
| Return on Equity (ROE) | 2.5411% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.5411% | 4,680 |
| Net charge-offs to loans | 0.7573% | 842 |
| Credit loss provision to net charge-offs | 109.1324% | 2,026 |
| Earnings coverage of net charge-offs (x) | 1.5434% | 4,018 |
| Efficiency ratio | 81.4081% | 1,976 |
| Assets per employee ($millions) | 3.2242% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0543% | 1,733 |
| Loan loss allowance to noncurrent loans | 155.3708% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 2,266 |
| Noncurrent loans to loans | 1.3222% | 3,345 |
| Net loans and leases to total assets | 66.5457% | 2,497 |
| Net loans and leases to deposits | 73.3235% | 3,249 |
| Net loans and leases to core deposits | 74.8305% | 3,687 |
| Total domestic deposits to total assets | 90.7562% | 643 |
| Equity capital to assets | 9.0106% | 5,204 |
| Core capital (leverage) ratio | 8.9830% | 5,020 |
| Tier 1 risk-based capital ratio | 15.3902% | 3,535 |
| Total risk-based capital ratio | 16.6539% | 3,491 |
| Memoranda: | ||
| Average total assets | $85,957,330 | 5,158 |
| Average earning assets | $80,566,330 | 5,104 |
| Average equity | $7,792,000 | 5,486 |
| Average total loans | $57,837,330 | 4,751 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,553 |
| Cost of funding earning assets | 1.1269% | 321 |
| Net interest margin | 3.5659% | 3,402 |
| Noninterest income to average assets | 0.6276% | 2,995 |
| Noninterest expense to average assets | 3.4797% | 1,660 |
| Loan and lease loss provision to assets | 0.2810% | 1,253 |
| Net operating income to assets | 0.2014% | 5,886 |
| Return on assets (ROA) | 0.2014% | 5,995 |
| Pretax return on assets | 0.2014% | 6,075 |
| Return on Equity (ROE) | 2.2148% | 5,868 |
| Retained earnings to average equity (ytd only) | 2.2148% | 4,898 |
| Net charge-offs to loans | 0.2168% | 2,125 |
| Credit loss provision to net charge-offs | 193.5484% | 1,120 |
| Earnings coverage of net charge-offs (x) | 3.3226% | 2,788 |
| Efficiency ratio | 87.8251% | 1,346 |
| Assets per employee ($millions) | 3.3256% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 1,746 |
| Loan loss allowance to noncurrent loans | 95.5504% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.8728% | 1,567 |
| Noncurrent loans to loans | 2.2225% | 2,362 |
| Net loans and leases to total assets | 65.2453% | 2,503 |
| Net loans and leases to deposits | 71.8543% | 3,198 |
| Net loans and leases to core deposits | 73.3367% | 3,661 |
| Total domestic deposits to total assets | 90.8022% | 613 |
| Equity capital to assets | 9.0059% | 5,476 |
| Core capital (leverage) ratio | 9.1994% | 4,567 |
| Tier 1 risk-based capital ratio | 15.6234% | 3,463 |
| Total risk-based capital ratio | 16.8874% | 3,422 |
| Memoranda: | ||
| Average total assets | $85,409,500 | 5,220 |
| Average earning assets | $79,867,500 | 5,161 |
| Average equity | $7,766,000 | 5,558 |
| Average total loans | $57,183,500 | 4,811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,100 |
| Cost of funding earning assets | 1.6662% | 83 |
| Net interest margin | 2.9088% | 6,210 |
| Noninterest income to average assets | 0.3004% | 5,310 |
| Noninterest expense to average assets | 3.5724% | 1,673 |
| Loan and lease loss provision to assets | 0.3270% | 2,079 |
| Net operating income to assets | -0.8745% | 6,700 |
| Return on assets (ROA) | -0.8745% | 6,725 |
| Pretax return on assets | -0.8745% | 6,698 |
| Return on Equity (ROE) | -10.0211% | 6,723 |
| Retained earnings to average equity (ytd only) | -10.0211% | 6,637 |
| Net charge-offs to loans | 1.0141% | 1,072 |
| Credit loss provision to net charge-offs | 49.4966% | 4,716 |
| Earnings coverage of net charge-offs (x) | -0.8289% | 5,733 |
| Efficiency ratio | 118.1019% | 227 |
| Assets per employee ($millions) | 3.3741% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 1,760 |
| Loan loss allowance to noncurrent loans | 84.8614% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 3.1688% | 1,469 |
| Noncurrent loans to loans | 2.4803% | 2,137 |
| Net loans and leases to total assets | 65.8352% | 2,555 |
| Net loans and leases to deposits | 72.6723% | 3,305 |
| Net loans and leases to core deposits | 73.6711% | 3,822 |
| Total domestic deposits to total assets | 90.5919% | 667 |
| Equity capital to assets | 9.1817% | 5,290 |
| Core capital (leverage) ratio | 8.8679% | 5,073 |
| Tier 1 risk-based capital ratio | 15.8497% | 3,241 |
| Total risk-based capital ratio | 17.1146% | 3,193 |
| Memoranda: | ||
| Average total assets | $90,218,600 | 5,078 |
| Average earning assets | $84,503,000 | 5,001 |
| Average equity | $7,873,400 | 5,535 |
| Average total loans | $58,769,400 | 4,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 3,688 |
| Cost of funding earning assets | 1.7889% | 60 |
| Net interest margin | 2.6980% | 6,649 |
| Noninterest income to average assets | 0.3694% | 4,879 |
| Noninterest expense to average assets | 3.1600% | 2,682 |
| Loan and lease loss provision to assets | 0.3854% | 1,673 |
| Net operating income to assets | -0.6471% | 6,756 |
| Return on assets (ROA) | -0.6471% | 6,783 |
| Pretax return on assets | -0.6471% | 6,763 |
| Return on Equity (ROE) | -7.5052% | 6,803 |
| Retained earnings to average equity (ytd only) | -7.5052% | 6,737 |
| Net charge-offs to loans | 1.1921% | 822 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | -0.3396% | 5,460 |
| Efficiency ratio | 109.0316% | 324 |
| Assets per employee ($millions) | 3.4785% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 1,783 |
| Loan loss allowance to noncurrent loans | 61.3659% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 4.0132% | 1,203 |
| Noncurrent loans to loans | 3.5203% | 1,541 |
| Net loans and leases to total assets | 64.1112% | 3,009 |
| Net loans and leases to deposits | 70.5958% | 3,816 |
| Net loans and leases to core deposits | 71.3730% | 4,328 |
| Total domestic deposits to total assets | 90.8145% | 465 |
| Equity capital to assets | 8.9555% | 5,864 |
| Core capital (leverage) ratio | 8.7361% | 5,422 |
| Tier 1 risk-based capital ratio | 15.8335% | 3,358 |
| Total risk-based capital ratio | 17.0980% | 3,321 |
| Memoranda: | ||
| Average total assets | $91,685,000 | 5,085 |
| Average earning assets | $85,937,250 | 5,020 |
| Average equity | $7,905,500 | 5,586 |
| Average total loans | $59,279,750 | 4,788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 4,039 |
| Cost of funding earning assets | 1.9132% | 49 |
| Net interest margin | 2.5228% | 6,871 |
| Noninterest income to average assets | 0.3774% | 4,817 |
| Noninterest expense to average assets | 3.0946% | 2,945 |
| Loan and lease loss provision to assets | 0.4718% | 1,352 |
| Net operating income to assets | -0.8192% | 6,867 |
| Return on assets (ROA) | -0.8192% | 6,888 |
| Pretax return on assets | -0.8192% | 6,854 |
| Return on Equity (ROE) | -9.6165% | 6,901 |
| Retained earnings to average equity (ytd only) | -9.6165% | 6,827 |
| Net charge-offs to loans | 1.4955% | 668 |
| Credit loss provision to net charge-offs | 48.9978% | 4,061 |
| Earnings coverage of net charge-offs (x) | -0.3608% | 5,203 |
| Efficiency ratio | 112.6464% | 300 |
| Assets per employee ($millions) | 3.7004% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 1,923 |
| Loan loss allowance to noncurrent loans | 45.3797% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 4.3400% | 1,147 |
| Noncurrent loans to loans | 4.6982% | 1,101 |
| Net loans and leases to total assets | 62.8682% | 3,258 |
| Net loans and leases to deposits | 68.9165% | 4,054 |
| Net loans and leases to core deposits | 70.2110% | 4,514 |
| Total domestic deposits to total assets | 91.2237% | 378 |
| Equity capital to assets | 8.4866% | 6,220 |
| Core capital (leverage) ratio | 8.4304% | 5,744 |
| Tier 1 risk-based capital ratio | 15.2494% | 3,600 |
| Total risk-based capital ratio | 16.5139% | 3,561 |
| Memoranda: | ||
| Average total assets | $93,259,000 | 5,086 |
| Average earning assets | $87,602,000 | 5,003 |
| Average equity | $7,944,670 | 5,589 |
| Average total loans | $60,045,000 | 4,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 4,183 |
| Cost of funding earning assets | 1.9926% | 49 |
| Net interest margin | 2.4419% | 6,987 |
| Noninterest income to average assets | 0.4827% | 4,039 |
| Noninterest expense to average assets | 3.0075% | 3,216 |
| Loan and lease loss provision to assets | 0.1282% | 3,743 |
| Net operating income to assets | -0.3546% | 6,736 |
| Return on assets (ROA) | -0.3546% | 6,778 |
| Pretax return on assets | -0.3546% | 6,757 |
| Return on Equity (ROE) | -4.1544% | 6,819 |
| Retained earnings to average equity (ytd only) | -4.1544% | 6,514 |
| Net charge-offs to loans | 1.4647% | 685 |
| Credit loss provision to net charge-offs | 13.5747% | 3,859 |
| Earnings coverage of net charge-offs (x) | -0.2398% | 4,452 |
| Efficiency ratio | 108.1413% | 369 |
| Assets per employee ($millions) | 3.7175% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 1,906 |
| Loan loss allowance to noncurrent loans | 56.6161% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 3.6778% | 1,542 |
| Noncurrent loans to loans | 3.8642% | 1,600 |
| Net loans and leases to total assets | 62.7791% | 3,102 |
| Net loans and leases to deposits | 68.8672% | 3,896 |
| Net loans and leases to core deposits | 70.3723% | 4,357 |
| Total domestic deposits to total assets | 91.1596% | 486 |
| Equity capital to assets | 8.5542% | 6,036 |
| Core capital (leverage) ratio | 8.5215% | 5,561 |
| Tier 1 risk-based capital ratio | 15.5678% | 3,404 |
| Total risk-based capital ratio | 16.8347% | 3,367 |
| Memoranda: | ||
| Average total assets | $93,633,000 | 5,108 |
| Average earning assets | $88,127,500 | 5,020 |
| Average equity | $7,991,500 | 5,600 |
| Average total loans | $60,354,000 | 4,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 4,294 |
| Cost of funding earning assets | 2.4095% | 32 |
| Net interest margin | 2.2786% | 7,151 |
| Noninterest income to average assets | 0.4325% | 4,356 |
| Noninterest expense to average assets | 3.0424% | 3,422 |
| Loan and lease loss provision to assets | 0.4895% | 2,161 |
| Net operating income to assets | -1.0027% | 6,741 |
| Return on assets (ROA) | -1.0027% | 6,767 |
| Pretax return on assets | -1.0027% | 6,735 |
| Return on Equity (ROE) | -11.7960% | 6,795 |
| Retained earnings to average equity (ytd only) | -11.7960% | 6,762 |
| Net charge-offs to loans | 0.8315% | 2,090 |
| Credit loss provision to net charge-offs | 89.3910% | 4,034 |
| Earnings coverage of net charge-offs (x) | -0.9371% | 6,186 |
| Efficiency ratio | 120.2892% | 306 |
| Assets per employee ($millions) | 3.9304% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4501% | 1,381 |
| Loan loss allowance to noncurrent loans | 48.6821% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 4.4461% | 1,238 |
| Noncurrent loans to loans | 5.0329% | 1,117 |
| Net loans and leases to total assets | 63.1428% | 3,371 |
| Net loans and leases to deposits | 69.2396% | 4,238 |
| Net loans and leases to core deposits | 70.7270% | 4,682 |
| Total domestic deposits to total assets | 91.1946% | 431 |
| Equity capital to assets | 8.5159% | 6,128 |
| Core capital (leverage) ratio | 8.5186% | 5,530 |
| Tier 1 risk-based capital ratio | 15.2838% | 3,460 |
| Total risk-based capital ratio | 16.5585% | 3,405 |
| Memoranda: | ||
| Average total assets | $92,953,000 | 5,102 |
| Average earning assets | $85,535,400 | 5,069 |
| Average equity | $7,901,000 | 5,599 |
| Average total loans | $61,211,400 | 4,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 4,275 |
| Cost of funding earning assets | 2.4602% | 32 |
| Net interest margin | 2.2808% | 7,224 |
| Noninterest income to average assets | 0.5629% | 3,428 |
| Noninterest expense to average assets | 3.0263% | 3,459 |
| Loan and lease loss provision to assets | 0.2160% | 3,857 |
| Net operating income to assets | -0.5932% | 6,693 |
| Return on assets (ROA) | -0.5932% | 6,734 |
| Pretax return on assets | -0.5932% | 6,674 |
| Return on Equity (ROE) | -6.9817% | 6,769 |
| Retained earnings to average equity (ytd only) | -6.9817% | 6,705 |
| Net charge-offs to loans | 0.6661% | 2,247 |
| Credit loss provision to net charge-offs | 49.0196% | 5,053 |
| Earnings coverage of net charge-offs (x) | -0.8562% | 5,914 |
| Efficiency ratio | 114.2391% | 370 |
| Assets per employee ($millions) | 3.6870% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 1,678 |
| Loan loss allowance to noncurrent loans | 40.0460% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 4.6228% | 1,289 |
| Noncurrent loans to loans | 5.7602% | 997 |
| Net loans and leases to total assets | 64.0506% | 3,298 |
| Net loans and leases to deposits | 70.1639% | 4,274 |
| Net loans and leases to core deposits | 72.2248% | 4,681 |
| Total domestic deposits to total assets | 91.2871% | 349 |
| Equity capital to assets | 8.4124% | 6,384 |
| Core capital (leverage) ratio | 8.4598% | 5,767 |
| Tier 1 risk-based capital ratio | 14.9603% | 3,683 |
| Total risk-based capital ratio | 16.2280% | 3,647 |
| Memoranda: | ||
| Average total assets | $92,609,000 | 5,149 |
| Average earning assets | $84,706,750 | 5,136 |
| Average equity | $7,868,000 | 5,639 |
| Average total loans | $61,249,750 | 4,861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 3,773 |
| Cost of funding earning assets | 2.5201% | 30 |
| Net interest margin | 2.3461% | 7,260 |
| Noninterest income to average assets | 0.5757% | 3,296 |
| Noninterest expense to average assets | 2.9433% | 3,851 |
| Loan and lease loss provision to assets | 0.2156% | 3,762 |
| Net operating income to assets | -0.4614% | 6,660 |
| Return on assets (ROA) | -0.4614% | 6,685 |
| Pretax return on assets | -0.4614% | 6,634 |
| Return on Equity (ROE) | -5.4136% | 6,740 |
| Retained earnings to average equity (ytd only) | -5.4136% | 6,597 |
| Net charge-offs to loans | 0.6014% | 2,322 |
| Credit loss provision to net charge-offs | 54.0541% | 4,484 |
| Earnings coverage of net charge-offs (x) | -0.6162% | 5,559 |
| Efficiency ratio | 109.1127% | 489 |
| Assets per employee ($millions) | 3.6628% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4067% | 1,579 |
| Loan loss allowance to noncurrent loans | 46.5671% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 4.2819% | 1,483 |
| Noncurrent loans to loans | 5.1682% | 1,249 |
| Net loans and leases to total assets | 64.8753% | 3,279 |
| Net loans and leases to deposits | 71.2152% | 4,258 |
| Net loans and leases to core deposits | 73.0444% | 4,703 |
| Total domestic deposits to total assets | 91.0976% | 468 |
| Equity capital to assets | 8.5759% | 6,089 |
| Core capital (leverage) ratio | 8.4464% | 5,635 |
| Tier 1 risk-based capital ratio | 15.5118% | 3,235 |
| Total risk-based capital ratio | 16.7822% | 3,169 |
| Memoranda: | ||
| Average total assets | $92,754,000 | 5,179 |
| Average earning assets | $83,885,670 | 5,200 |
| Average equity | $7,906,000 | 5,645 |
| Average total loans | $61,522,330 | 4,888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 3,370 |
| Cost of funding earning assets | 2.6098% | 30 |
| Net interest margin | 2.3295% | 7,300 |
| Noninterest income to average assets | 0.5228% | 3,703 |
| Noninterest expense to average assets | 2.8711% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2828% | 6,642 |
| Return on assets (ROA) | -0.2828% | 6,658 |
| Pretax return on assets | -0.2828% | 6,608 |
| Return on Equity (ROE) | -3.3281% | 6,693 |
| Retained earnings to average equity (ytd only) | -3.3281% | 6,337 |
| Net charge-offs to loans | 0.1035% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -4.1250% | 5,012 |
| Efficiency ratio | 110.9272% | 483 |
| Assets per employee ($millions) | 3.9256% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4924% | 1,468 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.6608% | 1,854 |
| Noncurrent loans to loans | 4.4096% | 1,597 |
| Net loans and leases to total assets | 63.6979% | 3,499 |
| Net loans and leases to deposits | 69.7534% | 4,383 |
| Net loans and leases to core deposits | 72.1657% | 4,769 |
| Total domestic deposits to total assets | 91.3188% | 476 |
| Equity capital to assets | 8.3851% | 6,068 |
| Core capital (leverage) ratio | 8.3674% | 5,691 |
| Tier 1 risk-based capital ratio | 15.5609% | 3,132 |
| Total risk-based capital ratio | 16.8335% | 3,073 |
| Memoranda: | ||
| Average total assets | $93,345,500 | 5,194 |
| Average earning assets | $82,766,000 | 5,280 |
| Average equity | $7,932,500 | 5,634 |
| Average total loans | $61,847,500 | 4,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 1,034 |
| Cost of funding earning assets | 3.0643% | 22 |
| Net interest margin | 2.8406% | 6,979 |
| Noninterest income to average assets | 0.3732% | 5,108 |
| Noninterest expense to average assets | 2.8113% | 4,557 |
| Loan and lease loss provision to assets | 1.1437% | 1,392 |
| Net operating income to assets | -1.2539% | 6,808 |
| Return on assets (ROA) | -1.2539% | 6,832 |
| Pretax return on assets | -1.2539% | 6,759 |
| Return on Equity (ROE) | -15.0031% | 6,918 |
| Retained earnings to average equity (ytd only) | -15.0031% | 6,880 |
| Net charge-offs to loans | 1.1778% | 1,892 |
| Credit loss provision to net charge-offs | 142.0054% | 2,636 |
| Earnings coverage of net charge-offs (x) | -0.1369% | 6,251 |
| Efficiency ratio | 104.0808% | 671 |
| Assets per employee ($millions) | 4.4036% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4940% | 1,418 |
| Loan loss allowance to noncurrent loans | 56.9016% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 3.9567% | 1,720 |
| Noncurrent loans to loans | 4.3831% | 1,638 |
| Net loans and leases to total assets | 65.5284% | 3,559 |
| Net loans and leases to deposits | 71.9443% | 4,529 |
| Net loans and leases to core deposits | 74.7090% | 4,885 |
| Total domestic deposits to total assets | 91.0820% | 562 |
| Equity capital to assets | 8.6130% | 5,703 |
| Core capital (leverage) ratio | 8.6566% | 5,095 |
| Tier 1 risk-based capital ratio | 14.8045% | 3,371 |
| Total risk-based capital ratio | 16.0738% | 3,313 |
| Memoranda: | ||
| Average total assets | $91,630,600 | 5,235 |
| Average earning assets | $75,091,000 | 5,510 |
| Average equity | $7,658,400 | 5,823 |
| Average total loans | $62,661,000 | 4,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0204% | 899 |
| Cost of funding earning assets | 3.1111% | 24 |
| Net interest margin | 2.9093% | 6,993 |
| Noninterest income to average assets | 0.5002% | 4,185 |
| Noninterest expense to average assets | 2.7973% | 4,501 |
| Loan and lease loss provision to assets | 0.1458% | 5,577 |
| Net operating income to assets | -0.0671% | 6,136 |
| Return on assets (ROA) | -0.0671% | 6,238 |
| Pretax return on assets | -0.0671% | 6,182 |
| Return on Equity (ROE) | -0.8089% | 6,264 |
| Retained earnings to average equity (ytd only) | -0.8089% | 5,983 |
| Net charge-offs to loans | 0.2039% | 4,721 |
| Credit loss provision to net charge-offs | 104.1667% | 4,116 |
| Earnings coverage of net charge-offs (x) | 0.5625% | 5,454 |
| Efficiency ratio | 97.2617% | 850 |
| Assets per employee ($millions) | 4.3569% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 2,342 |
| Loan loss allowance to noncurrent loans | 43.5422% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 3.7762% | 1,884 |
| Noncurrent loans to loans | 4.4892% | 1,609 |
| Net loans and leases to total assets | 68.1983% | 3,165 |
| Net loans and leases to deposits | 74.7165% | 4,396 |
| Net loans and leases to core deposits | 77.3123% | 4,884 |
| Total domestic deposits to total assets | 91.2760% | 362 |
| Equity capital to assets | 8.3666% | 6,438 |
| Core capital (leverage) ratio | 8.3654% | 5,762 |
| Tier 1 risk-based capital ratio | 14.1351% | 3,734 |
| Total risk-based capital ratio | 15.3964% | 3,699 |
| Memoranda: | ||
| Average total assets | $91,419,250 | 5,312 |
| Average earning assets | $74,655,250 | 5,584 |
| Average equity | $7,581,750 | 5,917 |
| Average total loans | $62,789,250 | 5,041 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3937% | 418 |
| Cost of funding earning assets | 3.2709% | 23 |
| Net interest margin | 3.1228% | 6,544 |
| Noninterest income to average assets | 0.4464% | 4,556 |
| Noninterest expense to average assets | 2.7464% | 4,709 |
| Loan and lease loss provision to assets | 0.1532% | 5,368 |
| Net operating income to assets | -0.0088% | 6,090 |
| Return on assets (ROA) | -0.0088% | 6,194 |
| Pretax return on assets | -0.0088% | 6,164 |
| Return on Equity (ROE) | -0.1059% | 6,198 |
| Retained earnings to average equity (ytd only) | -0.1059% | 5,755 |
| Net charge-offs to loans | -0.0096% | 7,186 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0038% | 1,008 |
| Assets per employee ($millions) | 3.9788% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 1,999 |
| Loan loss allowance to noncurrent loans | 182.1082% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 4,446 |
| Noncurrent loans to loans | 1.1441% | 5,053 |
| Net loans and leases to total assets | 67.4309% | 3,515 |
| Net loans and leases to deposits | 73.7984% | 4,710 |
| Net loans and leases to core deposits | 76.8708% | 5,096 |
| Total domestic deposits to total assets | 91.3717% | 365 |
| Equity capital to assets | 8.2458% | 6,486 |
| Core capital (leverage) ratio | 8.1624% | 6,015 |
| Tier 1 risk-based capital ratio | 14.0084% | 3,728 |
| Total risk-based capital ratio | 15.2724% | 3,684 |
| Memoranda: | ||
| Average total assets | $91,394,000 | 5,342 |
| Average earning assets | $71,539,330 | 5,719 |
| Average equity | $7,557,330 | 5,944 |
| Average total loans | $62,505,000 | 5,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9059% | 196 |
| Cost of funding earning assets | 3.5598% | 11 |
| Net interest margin | 3.3461% | 5,801 |
| Noninterest income to average assets | 0.5781% | 3,430 |
| Noninterest expense to average assets | 2.7460% | 4,702 |
| Loan and lease loss provision to assets | 0.1314% | 5,259 |
| Net operating income to assets | 0.1007% | 6,019 |
| Return on assets (ROA) | 0.1007% | 6,124 |
| Pretax return on assets | 0.1007% | 6,129 |
| Return on Equity (ROE) | 1.2164% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.2164% | 5,332 |
| Net charge-offs to loans | -0.0129% | 6,953 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2059% | 1,264 |
| Assets per employee ($millions) | 3.8663% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 2,193 |
| Loan loss allowance to noncurrent loans | 541.7021% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,743 |
| Noncurrent loans to loans | 0.3689% | 6,563 |
| Net loans and leases to total assets | 67.2759% | 3,556 |
| Net loans and leases to deposits | 73.5367% | 4,822 |
| Net loans and leases to core deposits | 75.7947% | 5,287 |
| Total domestic deposits to total assets | 91.4862% | 377 |
| Equity capital to assets | 8.1570% | 6,486 |
| Core capital (leverage) ratio | 8.0575% | 6,151 |
| Tier 1 risk-based capital ratio | 13.2519% | 4,167 |
| Total risk-based capital ratio | 14.5134% | 4,100 |
| Memoranda: | ||
| Average total assets | $91,334,500 | 5,410 |
| Average earning assets | $65,509,500 | 5,979 |
| Average equity | $7,563,000 | 5,990 |
| Average total loans | $62,247,000 | 5,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8485% | 349 |
| Cost of funding earning assets | 3.5348% | 38 |
| Net interest margin | 3.3138% | 5,686 |
| Noninterest income to average assets | 0.6723% | 3,137 |
| Noninterest expense to average assets | 5.6264% | 364 |
| Loan and lease loss provision to assets | 0.6144% | 3,336 |
| Net operating income to assets | -3.0142% | 7,397 |
| Return on assets (ROA) | -3.0142% | 7,407 |
| Pretax return on assets | -3.0142% | 7,295 |
| Return on Equity (ROE) | -36.8069% | 7,521 |
| Retained earnings to average equity (ytd only) | -36.8069% | 7,507 |
| Net charge-offs to loans | 0.8186% | 2,784 |
| Credit loss provision to net charge-offs | 108.2000% | 5,119 |
| Earnings coverage of net charge-offs (x) | -4.2260% | 7,088 |
| Efficiency ratio | 174.3752% | 205 |
| Assets per employee ($millions) | 3.7449% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 1,941 |
| Loan loss allowance to noncurrent loans | 2,254.5455% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 6,123 |
| Noncurrent loans to loans | 0.0905% | 7,187 |
| Net loans and leases to total assets | 66.2620% | 4,091 |
| Net loans and leases to deposits | 72.6263% | 5,245 |
| Net loans and leases to core deposits | 99.7321% | 4,033 |
| Total domestic deposits to total assets | 91.2370% | 458 |
| Equity capital to assets | 8.4081% | 6,046 |
| Core capital (leverage) ratio | 8.4218% | 5,405 |
| Tier 1 risk-based capital ratio | 13.0271% | 4,126 |
| Total risk-based capital ratio | 14.2882% | 4,066 |
| Memoranda: | ||
| Average total assets | $88,049,800 | 5,448 |
| Average earning assets | $67,868,600 | 5,873 |
| Average equity | $7,210,600 | 6,202 |
| Average total loans | $61,078,600 | 5,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7049% | 506 |
| Cost of funding earning assets | 3.4675% | 85 |
| Net interest margin | 3.2374% | 5,888 |
| Noninterest income to average assets | 0.6621% | 3,277 |
| Noninterest expense to average assets | 6.5224% | 245 |
| Loan and lease loss provision to assets | 0.0700% | 6,658 |
| Net operating income to assets | -3.3822% | 7,668 |
| Return on assets (ROA) | -3.3822% | 7,674 |
| Pretax return on assets | -3.3822% | 7,590 |
| Return on Equity (ROE) | -41.5860% | 7,767 |
| Retained earnings to average equity (ytd only) | -41.5860% | 7,764 |
| Net charge-offs to loans | 0.5342% | 3,081 |
| Credit loss provision to net charge-offs | 18.7755% | 6,583 |
| Earnings coverage of net charge-offs (x) | -8.8816% | 6,899 |
| Efficiency ratio | 203.1769% | 145 |
| Assets per employee ($millions) | 3.8625% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,236 |
| Loan loss allowance to noncurrent loans | 170.9402% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,787 |
| Noncurrent loans to loans | 0.9001% | 5,483 |
| Net loans and leases to total assets | 72.0356% | 3,030 |
| Net loans and leases to deposits | 78.6972% | 4,619 |
| Net loans and leases to core deposits | 108.4955% | 3,410 |
| Total domestic deposits to total assets | 91.5352% | 252 |
| Equity capital to assets | 7.8829% | 6,958 |
| Core capital (leverage) ratio | 7.9315% | 6,469 |
| Tier 1 risk-based capital ratio | 11.4023% | 5,532 |
| Total risk-based capital ratio | 12.5780% | 5,556 |
| Memoranda: | ||
| Average total assets | $87,592,750 | 5,496 |
| Average earning assets | $68,942,500 | 5,886 |
| Average equity | $7,124,000 | 6,284 |
| Average total loans | $61,149,500 | 5,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6847% | 556 |
| Cost of funding earning assets | 3.4628% | 126 |
| Net interest margin | 3.2219% | 5,836 |
| Noninterest income to average assets | 0.6722% | 3,181 |
| Noninterest expense to average assets | 8.3829% | 151 |
| Loan and lease loss provision to assets | 0.1055% | 6,100 |
| Net operating income to assets | -5.2697% | 7,958 |
| Return on assets (ROA) | -5.2697% | 7,949 |
| Pretax return on assets | -5.2697% | 7,895 |
| Return on Equity (ROE) | -64.1232% | 7,999 |
| Retained earnings to average equity (ytd only) | -64.1232% | 7,994 |
| Net charge-offs to loans | 0.6548% | 2,397 |
| Credit loss provision to net charge-offs | 23.4694% | 6,094 |
| Earnings coverage of net charge-offs (x) | -11.4847% | 6,537 |
| Efficiency ratio | 260.4419% | 110 |
| Assets per employee ($millions) | 4.1670% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,224 |
| Loan loss allowance to noncurrent loans | 401.9157% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 5,077 |
| Noncurrent loans to loans | 0.4321% | 6,437 |
| Net loans and leases to total assets | 67.8224% | 4,179 |
| Net loans and leases to deposits | 74.0810% | 5,439 |
| Net loans and leases to core deposits | 101.0694% | 4,395 |
| Total domestic deposits to total assets | 91.5516% | 311 |
| Equity capital to assets | 7.9307% | 6,829 |
| Core capital (leverage) ratio | 7.8267% | 6,581 |
| Tier 1 risk-based capital ratio | 11.5703% | 5,309 |
| Total risk-based capital ratio | 11.5703% | 6,510 |
| Memoranda: | ||
| Average total assets | $87,177,670 | 5,550 |
| Average earning assets | $68,903,670 | 5,924 |
| Average equity | $7,164,330 | 6,318 |
| Average total loans | $59,867,670 | 5,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4168% | 1,033 |
| Cost of funding earning assets | 3.3968% | 203 |
| Net interest margin | 3.0200% | 6,425 |
| Noninterest income to average assets | 0.6620% | 3,117 |
| Noninterest expense to average assets | 2.4548% | 6,009 |
| Loan and lease loss provision to assets | 0.2115% | 4,334 |
| Net operating income to assets | 0.4643% | 4,597 |
| Return on assets (ROA) | 0.4643% | 4,778 |
| Pretax return on assets | 0.4643% | 5,195 |
| Return on Equity (ROE) | 5.5521% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.5521% | 2,841 |
| Net charge-offs to loans | 1.3154% | 1,067 |
| Credit loss provision to net charge-offs | 23.4694% | 5,032 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,424 |
| Efficiency ratio | 78.4141% | 3,102 |
| Assets per employee ($millions) | 3.8071% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 1,935 |
| Loan loss allowance to noncurrent loans | 5,833.3333% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 5,729 |
| Noncurrent loans to loans | 0.0303% | 7,464 |
| Net loans and leases to total assets | 66.6983% | 4,413 |
| Net loans and leases to deposits | 73.7328% | 5,516 |
| Net loans and leases to core deposits | 98.0443% | 4,742 |
| Total domestic deposits to total assets | 90.4594% | 613 |
| Equity capital to assets | 9.2265% | 5,050 |
| Core capital (leverage) ratio | 9.4313% | 4,067 |
| Tier 1 risk-based capital ratio | 13.6714% | 3,756 |
| Total risk-based capital ratio | 14.9272% | 3,677 |
| Memoranda: | ||
| Average total assets | $87,012,500 | 5,579 |
| Average earning assets | $71,125,500 | 5,876 |
| Average equity | $7,276,500 | 6,308 |
| Average total loans | $59,602,000 | 5,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9779% | 1,194 |
| Cost of funding earning assets | 3.2226% | 1,120 |
| Net interest margin | 3.7554% | 4,203 |
| Noninterest income to average assets | 0.6810% | 3,238 |
| Noninterest expense to average assets | 3.3700% | 2,764 |
| Loan and lease loss provision to assets | 0.4684% | 2,956 |
| Net operating income to assets | 0.1693% | 5,940 |
| Return on assets (ROA) | 0.1693% | 5,772 |
| Pretax return on assets | 0.1693% | 5,798 |
| Return on Equity (ROE) | 2.1264% | 5,569 |
| Retained earnings to average equity (ytd only) | -7.6009% | 6,850 |
| Net charge-offs to loans | 0.3402% | 3,131 |
| Credit loss provision to net charge-offs | 205.2632% | 2,365 |
| Earnings coverage of net charge-offs (x) | 2.7947% | 4,690 |
| Efficiency ratio | 84.0875% | 2,047 |
| Assets per employee ($millions) | 3.6026% | 4,408 |
| Cash dividends to net income (ytd only)* | 457.4468% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 1,204 |
| Loan loss allowance to noncurrent loans | 1,739.1304% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,276 |
| Noncurrent loans to loans | 0.1155% | 7,070 |
| Net loans and leases to total assets | 67.7188% | 4,511 |
| Net loans and leases to deposits | 73.4845% | 5,898 |
| Net loans and leases to core deposits | 97.0448% | 5,146 |
| Total domestic deposits to total assets | 92.1538% | 113 |
| Equity capital to assets | 7.4877% | 7,389 |
| Core capital (leverage) ratio | 7.4508% | 7,260 |
| Tier 1 risk-based capital ratio | 11.0131% | 5,716 |
| Total risk-based capital ratio | 12.2724% | 5,606 |
| Memoranda: | ||
| Average total assets | $83,265,000 | 5,588 |
| Average earning assets | $73,761,200 | 5,672 |
| Average equity | $6,630,800 | 6,594 |
| Average total loans | $55,845,400 | 5,458 |