Home > Neighborhood National Bank > Performance and Condition Ratios
Neighborhood National Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 1,619 |
| Cost of funding earning assets | 0.3780% | 3,552 |
| Net interest margin | 4.0680% | 1,360 |
| Noninterest income to average assets | 0.4075% | 3,939 |
| Noninterest expense to average assets | 3.1192% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8934% | 2,773 |
| Return on assets (ROA) | 0.8934% | 2,901 |
| Pretax return on assets | 1.1677% | 2,796 |
| Return on Equity (ROE) | 7.8668% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.8668% | 1,618 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0183% | 3,489 |
| Assets per employee ($millions) | 3.6409% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 4,576 |
| Noncurrent loans to loans | 0.5269% | 3,989 |
| Net loans and leases to total assets | 68.1341% | 2,415 |
| Net loans and leases to deposits | 80.5744% | 2,491 |
| Net loans and leases to core deposits | 84.0900% | 2,760 |
| Total domestic deposits to total assets | 84.5605% | 3,598 |
| Equity capital to assets | 11.6081% | 2,370 |
| Core capital (leverage) ratio | 10.8505% | 2,571 |
| Tier 1 risk-based capital ratio | 14.6004% | 3,660 |
| Total risk-based capital ratio | 14.6004% | 4,312 |
| Memoranda: | ||
| Average total assets | $51,038,500 | 5,701 |
| Average earning assets | $48,672,000 | 5,645 |
| Average equity | $5,796,500 | 5,659 |
| Average total loans | $34,410,500 | 5,354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2717% | 6,388 |
| Cost of funding earning assets | 0.2261% | 5,550 |
| Net interest margin | 2.0456% | 6,354 |
| Noninterest income to average assets | 1.0040% | 1,205 |
| Noninterest expense to average assets | 1.7143% | 6,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2656% | 1,385 |
| Return on assets (ROA) | 1.2656% | 1,440 |
| Pretax return on assets | 1.2374% | 2,497 |
| Return on Equity (ROE) | 12.1833% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.1955% | 359 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1009% | 5,656 |
| Assets per employee ($millions) | 3.6503% | 4,626 |
| Cash dividends to net income (ytd only)* | 8.1081% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 4,559 |
| Noncurrent loans to loans | 0.5691% | 3,964 |
| Net loans and leases to total assets | 66.7091% | 2,765 |
| Net loans and leases to deposits | 75.1880% | 3,290 |
| Net loans and leases to core deposits | 78.8395% | 3,431 |
| Total domestic deposits to total assets | 88.7230% | 1,405 |
| Equity capital to assets | 11.1068% | 2,799 |
| Core capital (leverage) ratio | 10.2841% | 3,194 |
| Tier 1 risk-based capital ratio | 13.9470% | 4,126 |
| Total risk-based capital ratio | 13.9470% | 4,834 |
| Memoranda: | ||
| Average total assets | $49,699,600 | 5,793 |
| Average earning assets | $47,321,200 | 5,745 |
| Average equity | $5,162,800 | 5,819 |
| Average total loans | $32,211,000 | 5,477 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4873% | 6,537 |
| Cost of funding earning assets | 0.1589% | 6,126 |
| Net interest margin | 1.3283% | 6,531 |
| Noninterest income to average assets | 1.2780% | 746 |
| Noninterest expense to average assets | 1.1510% | 6,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4293% | 1,073 |
| Return on assets (ROA) | 1.4293% | 1,109 |
| Pretax return on assets | 1.3914% | 2,044 |
| Return on Equity (ROE) | 14.0097% | 980 |
| Retained earnings to average equity (ytd only) | 14.0097% | 250 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6769% | 6,371 |
| Assets per employee ($millions) | 3.6566% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 5,837 |
| Noncurrent loans to loans | 0.1260% | 5,546 |
| Net loans and leases to total assets | 65.1020% | 3,007 |
| Net loans and leases to deposits | 73.0663% | 3,555 |
| Net loans and leases to core deposits | 76.5927% | 3,679 |
| Total domestic deposits to total assets | 89.0999% | 1,179 |
| Equity capital to assets | 10.7165% | 3,274 |
| Core capital (leverage) ratio | 10.3325% | 3,244 |
| Tier 1 risk-based capital ratio | 13.8869% | 4,296 |
| Total risk-based capital ratio | 13.8869% | 4,992 |
| Memoranda: | ||
| Average total assets | $49,348,500 | 5,866 |
| Average earning assets | $46,974,500 | 5,812 |
| Average equity | $5,034,500 | 5,908 |
| Average total loans | $31,741,000 | 5,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,655 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.0000% | 6,654 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.0000% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0000% | 6,188 |
| Return on assets (ROA) | 0.0000% | 6,209 |
| Pretax return on assets | 0.0000% | 6,195 |
| Return on Equity (ROE) | 0.0000% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.3587% | 5,139 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 3,631 |
| Noncurrent loans to loans | 1.2218% | 2,791 |
| Net loans and leases to total assets | 63.8468% | 3,093 |
| Net loans and leases to deposits | 72.8298% | 3,470 |
| Net loans and leases to core deposits | 75.5674% | 3,668 |
| Total domestic deposits to total assets | 87.6657% | 2,107 |
| Equity capital to assets | 10.6252% | 3,279 |
| Core capital (leverage) ratio | 10.1628% | 3,400 |
| Tier 1 risk-based capital ratio | 14.6907% | 3,815 |
| Total risk-based capital ratio | 14.6907% | 4,566 |
| Memoranda: | ||
| Average total assets | $48,734,000 | 5,933 |
| Average earning assets | $46,336,670 | 5,882 |
| Average equity | $4,884,000 | 5,984 |
| Average total loans | $31,212,330 | 5,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,604 |
| Cost of funding earning assets | 0.5681% | 2,257 |
| Net interest margin | 3.4522% | 3,890 |
| Noninterest income to average assets | 0.3340% | 4,703 |
| Noninterest expense to average assets | 3.2143% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4174% | 5,052 |
| Return on assets (ROA) | 0.4174% | 5,122 |
| Pretax return on assets | 0.4174% | 5,398 |
| Return on Equity (ROE) | 4.3015% | 4,884 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.1041% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,250 |
| Efficiency ratio | 88.5057% | 1,175 |
| Assets per employee ($millions) | 3.4801% | 4,966 |
| Cash dividends to net income (ytd only)* | 100.0000% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 3,611 |
| Loan loss allowance to noncurrent loans | 110.2757% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 3,686 |
| Noncurrent loans to loans | 1.2675% | 2,914 |
| Net loans and leases to total assets | 63.7097% | 2,951 |
| Net loans and leases to deposits | 70.7384% | 3,505 |
| Net loans and leases to core deposits | 73.4153% | 3,710 |
| Total domestic deposits to total assets | 90.0638% | 1,038 |
| Equity capital to assets | 9.7268% | 4,198 |
| Core capital (leverage) ratio | 10.6098% | 2,795 |
| Tier 1 risk-based capital ratio | 14.3890% | 4,072 |
| Total risk-based capital ratio | 15.6389% | 4,032 |
| Memoranda: | ||
| Average total assets | $47,911,000 | 6,007 |
| Average earning assets | $45,768,000 | 5,949 |
| Average equity | $4,649,500 | 6,081 |
| Average total loans | $30,735,500 | 5,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 4,354 |
| Cost of funding earning assets | 0.6443% | 2,255 |
| Net interest margin | 3.2858% | 4,718 |
| Noninterest income to average assets | 0.5353% | 3,513 |
| Noninterest expense to average assets | 3.4551% | 1,762 |
| Loan and lease loss provision to assets | -0.3745% | 6,710 |
| Net operating income to assets | 0.6369% | 4,087 |
| Return on assets (ROA) | 0.6982% | 3,896 |
| Pretax return on assets | 0.6559% | 4,679 |
| Return on Equity (ROE) | 6.9951% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.9951% | 1,435 |
| Net charge-offs to loans | -0.5369% | 6,728 |
| Credit loss provision to net charge-offs | 118.0000% | 2,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0127% | 749 |
| Assets per employee ($millions) | 3.3644% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,227 |
| Loan loss allowance to noncurrent loans | 234.5550% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 5,039 |
| Noncurrent loans to loans | 0.6369% | 4,388 |
| Net loans and leases to total assets | 62.7227% | 3,247 |
| Net loans and leases to deposits | 69.6063% | 3,830 |
| Net loans and leases to core deposits | 71.2859% | 4,152 |
| Total domestic deposits to total assets | 90.1106% | 1,024 |
| Equity capital to assets | 9.6813% | 4,182 |
| Core capital (leverage) ratio | 10.5259% | 2,890 |
| Tier 1 risk-based capital ratio | 14.9904% | 3,674 |
| Total risk-based capital ratio | 16.2420% | 3,615 |
| Memoranda: | ||
| Average total assets | $47,263,000 | 6,084 |
| Average earning assets | $45,164,400 | 6,015 |
| Average equity | $4,717,600 | 6,138 |
| Average total loans | $27,936,000 | 5,848 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 4,449 |
| Cost of funding earning assets | 0.6515% | 2,350 |
| Net interest margin | 3.2635% | 4,776 |
| Noninterest income to average assets | 0.5834% | 3,255 |
| Noninterest expense to average assets | 3.4782% | 1,656 |
| Loan and lease loss provision to assets | -0.2311% | 6,743 |
| Net operating income to assets | 0.4566% | 5,004 |
| Return on assets (ROA) | 0.4651% | 5,098 |
| Pretax return on assets | 0.4651% | 5,460 |
| Return on Equity (ROE) | 4.6246% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.6246% | 3,380 |
| Net charge-offs to loans | -0.6467% | 6,803 |
| Credit loss provision to net charge-offs | 61.6541% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9117% | 743 |
| Assets per employee ($millions) | 3.4389% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,397 |
| Loan loss allowance to noncurrent loans | 173.0263% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 4,548 |
| Noncurrent loans to loans | 1.0225% | 3,755 |
| Net loans and leases to total assets | 60.6618% | 3,584 |
| Net loans and leases to deposits | 68.7176% | 3,971 |
| Net loans and leases to core deposits | 70.3735% | 4,282 |
| Total domestic deposits to total assets | 88.2768% | 1,951 |
| Equity capital to assets | 9.4259% | 4,639 |
| Core capital (leverage) ratio | 10.2758% | 3,277 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,944 |
| Total risk-based capital ratio | 15.9613% | 3,905 |
| Memoranda: | ||
| Average total assets | $47,303,500 | 6,154 |
| Average earning assets | $45,226,750 | 6,081 |
| Average equity | $4,757,000 | 6,205 |
| Average total loans | $27,422,250 | 5,927 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 4,557 |
| Cost of funding earning assets | 0.6580% | 2,427 |
| Net interest margin | 3.2189% | 4,876 |
| Noninterest income to average assets | 0.6635% | 2,834 |
| Noninterest expense to average assets | 3.5769% | 1,454 |
| Loan and lease loss provision to assets | -0.3488% | 6,848 |
| Net operating income to assets | 0.5146% | 4,738 |
| Return on assets (ROA) | 0.5274% | 4,846 |
| Pretax return on assets | 0.5274% | 5,277 |
| Return on Equity (ROE) | 5.1346% | 4,649 |
| Retained earnings to average equity (ytd only) | 5.1346% | 2,968 |
| Net charge-offs to loans | -0.8404% | 6,860 |
| Credit loss provision to net charge-offs | 73.2143% | 2,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5682% | 676 |
| Assets per employee ($millions) | 2.9346% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 2,268 |
| Loan loss allowance to noncurrent loans | 162.3794% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 4,572 |
| Noncurrent loans to loans | 1.1378% | 3,659 |
| Net loans and leases to total assets | 57.1389% | 4,117 |
| Net loans and leases to deposits | 64.9801% | 4,380 |
| Net loans and leases to core deposits | 64.9801% | 4,792 |
| Total domestic deposits to total assets | 87.9329% | 2,294 |
| Equity capital to assets | 9.6669% | 4,360 |
| Core capital (leverage) ratio | 10.1862% | 3,255 |
| Tier 1 risk-based capital ratio | 15.2257% | 3,637 |
| Total risk-based capital ratio | 16.4788% | 3,594 |
| Memoranda: | ||
| Average total assets | $47,023,330 | 6,209 |
| Average earning assets | $44,985,000 | 6,136 |
| Average equity | $4,830,000 | 6,231 |
| Average total loans | $26,652,670 | 5,996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,653 |
| Cost of funding earning assets | 0.6635% | 2,535 |
| Net interest margin | 3.1849% | 4,974 |
| Noninterest income to average assets | 0.7225% | 2,469 |
| Noninterest expense to average assets | 3.7231% | 1,212 |
| Loan and lease loss provision to assets | -0.6970% | 6,982 |
| Net operating income to assets | 0.7565% | 3,398 |
| Return on assets (ROA) | 0.7565% | 3,538 |
| Pretax return on assets | 0.7565% | 4,346 |
| Return on Equity (ROE) | 7.1551% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.1551% | 2,087 |
| Net charge-offs to loans | -1.6266% | 6,947 |
| Credit loss provision to net charge-offs | 76.6355% | 2,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4270% | 617 |
| Assets per employee ($millions) | 3.1670% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 2,267 |
| Loan loss allowance to noncurrent loans | 123.4568% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 3,812 |
| Noncurrent loans to loans | 1.5494% | 3,226 |
| Net loans and leases to total assets | 53.9712% | 4,420 |
| Net loans and leases to deposits | 60.5179% | 4,733 |
| Net loans and leases to core deposits | 60.5179% | 5,092 |
| Total domestic deposits to total assets | 89.1822% | 1,577 |
| Equity capital to assets | 10.5694% | 3,463 |
| Core capital (leverage) ratio | 10.2566% | 3,070 |
| Tier 1 risk-based capital ratio | 16.2618% | 3,125 |
| Total risk-based capital ratio | 17.5187% | 3,075 |
| Memoranda: | ||
| Average total assets | $47,058,000 | 6,267 |
| Average earning assets | $45,214,000 | 6,183 |
| Average equity | $4,975,500 | 6,252 |
| Average total loans | $26,312,000 | 6,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 3,835 |
| Cost of funding earning assets | 0.8350% | 2,393 |
| Net interest margin | 3.5581% | 4,277 |
| Noninterest income to average assets | 0.4364% | 4,349 |
| Noninterest expense to average assets | 3.7356% | 1,348 |
| Loan and lease loss provision to assets | -0.1596% | 6,956 |
| Net operating income to assets | 0.2895% | 5,506 |
| Return on assets (ROA) | 0.2895% | 5,716 |
| Pretax return on assets | 0.2256% | 5,955 |
| Return on Equity (ROE) | 2.8119% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.8119% | 4,259 |
| Net charge-offs to loans | 1.1488% | 898 |
| Credit loss provision to net charge-offs | -23.9617% | 6,240 |
| Earnings coverage of net charge-offs (x) | 0.0990% | 5,440 |
| Efficiency ratio | 98.2643% | 618 |
| Assets per employee ($millions) | 3.1074% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 2,604 |
| Loan loss allowance to noncurrent loans | 54.4725% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 2,051 |
| Noncurrent loans to loans | 3.2924% | 1,557 |
| Net loans and leases to total assets | 55.8023% | 4,324 |
| Net loans and leases to deposits | 62.5948% | 4,709 |
| Net loans and leases to core deposits | 62.5948% | 5,099 |
| Total domestic deposits to total assets | 89.1485% | 1,473 |
| Equity capital to assets | 10.5769% | 3,431 |
| Core capital (leverage) ratio | 9.8833% | 3,565 |
| Tier 1 risk-based capital ratio | 15.6201% | 3,367 |
| Total risk-based capital ratio | 16.8733% | 3,323 |
| Memoranda: | ||
| Average total assets | $46,980,600 | 6,291 |
| Average earning assets | $44,433,600 | 6,224 |
| Average equity | $4,836,600 | 6,338 |
| Average total loans | $27,246,800 | 6,068 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 3,391 |
| Cost of funding earning assets | 0.8529% | 2,515 |
| Net interest margin | 3.7059% | 3,773 |
| Noninterest income to average assets | 0.2747% | 5,584 |
| Noninterest expense to average assets | 3.7728% | 1,257 |
| Loan and lease loss provision to assets | -0.2124% | 7,094 |
| Net operating income to assets | 0.2776% | 5,686 |
| Return on assets (ROA) | 0.2776% | 5,884 |
| Pretax return on assets | 0.2096% | 6,103 |
| Return on Equity (ROE) | 2.7146% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.7146% | 4,923 |
| Net charge-offs to loans | 0.5005% | 2,115 |
| Credit loss provision to net charge-offs | -72.8155% | 6,214 |
| Earnings coverage of net charge-offs (x) | -0.0097% | 5,335 |
| Efficiency ratio | 100.0751% | 531 |
| Assets per employee ($millions) | 3.1821% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 1,197 |
| Loan loss allowance to noncurrent loans | 61.9349% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 3.7313% | 1,325 |
| Noncurrent loans to loans | 4.0537% | 1,252 |
| Net loans and leases to total assets | 55.7269% | 4,498 |
| Net loans and leases to deposits | 62.3278% | 4,927 |
| Net loans and leases to core deposits | 63.1820% | 5,247 |
| Total domestic deposits to total assets | 89.4094% | 1,185 |
| Equity capital to assets | 10.2952% | 4,082 |
| Core capital (leverage) ratio | 9.8472% | 3,758 |
| Tier 1 risk-based capital ratio | 15.2140% | 3,696 |
| Total risk-based capital ratio | 16.4772% | 3,638 |
| Memoranda: | ||
| Average total assets | $47,073,000 | 6,363 |
| Average earning assets | $44,397,000 | 6,297 |
| Average equity | $4,813,250 | 6,422 |
| Average total loans | $27,437,250 | 6,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 3,447 |
| Cost of funding earning assets | 0.8766% | 2,590 |
| Net interest margin | 3.7017% | 3,809 |
| Noninterest income to average assets | 0.6019% | 3,248 |
| Noninterest expense to average assets | 4.1448% | 785 |
| Loan and lease loss provision to assets | -0.3201% | 7,182 |
| Net operating income to assets | 0.3586% | 5,385 |
| Return on assets (ROA) | 0.3586% | 5,610 |
| Pretax return on assets | 0.2561% | 6,046 |
| Return on Equity (ROE) | 3.5149% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.5149% | 4,252 |
| Net charge-offs to loans | 0.0946% | 4,215 |
| Credit loss provision to net charge-offs | -576.9231% | 6,311 |
| Earnings coverage of net charge-offs (x) | -1.1538% | 5,321 |
| Efficiency ratio | 101.5690% | 508 |
| Assets per employee ($millions) | 2.9096% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7990% | 945 |
| Loan loss allowance to noncurrent loans | 55.1209% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 4.6806% | 1,035 |
| Noncurrent loans to loans | 5.0780% | 954 |
| Net loans and leases to total assets | 57.8103% | 4,196 |
| Net loans and leases to deposits | 66.8995% | 4,379 |
| Net loans and leases to core deposits | 67.8730% | 4,803 |
| Total domestic deposits to total assets | 86.4136% | 3,131 |
| Equity capital to assets | 10.3858% | 3,834 |
| Core capital (leverage) ratio | 9.9855% | 3,439 |
| Tier 1 risk-based capital ratio | 14.8862% | 3,841 |
| Total risk-based capital ratio | 16.1514% | 3,780 |
| Memoranda: | ||
| Average total assets | $46,853,670 | 6,413 |
| Average earning assets | $44,033,330 | 6,346 |
| Average equity | $4,779,670 | 6,457 |
| Average total loans | $27,488,330 | 6,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 5,032 |
| Cost of funding earning assets | 0.9007% | 2,684 |
| Net interest margin | 3.3206% | 5,402 |
| Noninterest income to average assets | 0.6808% | 2,753 |
| Noninterest expense to average assets | 3.5402% | 1,682 |
| Loan and lease loss provision to assets | -0.6383% | 7,269 |
| Net operating income to assets | 1.0978% | 2,093 |
| Return on assets (ROA) | 1.0978% | 2,288 |
| Pretax return on assets | 0.8850% | 4,086 |
| Return on Equity (ROE) | 10.8586% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.8586% | 1,070 |
| Net charge-offs to loans | -0.4966% | 7,148 |
| Credit loss provision to net charge-offs | 220.5882% | 1,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4831% | 850 |
| Assets per employee ($millions) | 3.7098% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0034% | 825 |
| Loan loss allowance to noncurrent loans | 42.5103% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 6.2144% | 733 |
| Noncurrent loans to loans | 7.0652% | 627 |
| Net loans and leases to total assets | 55.1123% | 4,533 |
| Net loans and leases to deposits | 61.4970% | 4,985 |
| Net loans and leases to core deposits | 62.3291% | 5,291 |
| Total domestic deposits to total assets | 89.6178% | 1,290 |
| Equity capital to assets | 10.0504% | 4,066 |
| Core capital (leverage) ratio | 10.0752% | 3,280 |
| Tier 1 risk-based capital ratio | 14.7933% | 3,897 |
| Total risk-based capital ratio | 16.0603% | 3,844 |
| Memoranda: | ||
| Average total assets | $47,003,500 | 6,460 |
| Average earning assets | $43,967,500 | 6,400 |
| Average equity | $4,752,000 | 6,498 |
| Average total loans | $27,388,500 | 6,229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 3,982 |
| Cost of funding earning assets | 1.2124% | 1,949 |
| Net interest margin | 3.5478% | 4,949 |
| Noninterest income to average assets | 0.4744% | 4,034 |
| Noninterest expense to average assets | 3.7656% | 1,414 |
| Loan and lease loss provision to assets | 0.1715% | 4,488 |
| Net operating income to assets | -0.1906% | 6,247 |
| Return on assets (ROA) | -0.1906% | 6,317 |
| Pretax return on assets | -0.1906% | 6,278 |
| Return on Equity (ROE) | -2.1947% | 6,353 |
| Retained earnings to average equity (ytd only) | -2.1947% | 6,177 |
| Net charge-offs to loans | 0.8340% | 2,081 |
| Credit loss provision to net charge-offs | 31.1538% | 5,766 |
| Earnings coverage of net charge-offs (x) | -0.0346% | 5,849 |
| Efficiency ratio | 100.5088% | 650 |
| Assets per employee ($millions) | 3.5215% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1525% | 710 |
| Loan loss allowance to noncurrent loans | 42.1181% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 6.7934% | 681 |
| Noncurrent loans to loans | 7.4849% | 567 |
| Net loans and leases to total assets | 57.9118% | 4,381 |
| Net loans and leases to deposits | 64.7092% | 4,908 |
| Net loans and leases to core deposits | 65.6335% | 5,298 |
| Total domestic deposits to total assets | 89.4954% | 1,268 |
| Equity capital to assets | 10.1726% | 3,939 |
| Core capital (leverage) ratio | 9.8977% | 3,462 |
| Tier 1 risk-based capital ratio | 14.5356% | 3,947 |
| Total risk-based capital ratio | 15.8031% | 3,908 |
| Memoranda: | ||
| Average total assets | $47,216,800 | 6,451 |
| Average earning assets | $43,548,600 | 6,400 |
| Average equity | $4,100,800 | 6,726 |
| Average total loans | $31,176,800 | 6,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 3,884 |
| Cost of funding earning assets | 1.2836% | 1,789 |
| Net interest margin | 3.5467% | 4,997 |
| Noninterest income to average assets | 0.4316% | 4,425 |
| Noninterest expense to average assets | 3.6852% | 1,525 |
| Loan and lease loss provision to assets | 0.5409% | 1,819 |
| Net operating income to assets | -0.5269% | 6,648 |
| Return on assets (ROA) | -0.5269% | 6,697 |
| Pretax return on assets | -0.5269% | 6,637 |
| Return on Equity (ROE) | -6.3270% | 6,737 |
| Retained earnings to average equity (ytd only) | -6.3270% | 6,665 |
| Net charge-offs to loans | 1.1122% | 1,428 |
| Credit loss provision to net charge-offs | 72.0149% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.0187% | 5,586 |
| Efficiency ratio | 99.6212% | 670 |
| Assets per employee ($millions) | 3.2524% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3027% | 659 |
| Loan loss allowance to noncurrent loans | 43.6569% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 7.8998% | 565 |
| Noncurrent loans to loans | 7.5651% | 613 |
| Net loans and leases to total assets | 62.1791% | 3,680 |
| Net loans and leases to deposits | 69.3820% | 4,407 |
| Net loans and leases to core deposits | 71.8342% | 4,737 |
| Total domestic deposits to total assets | 89.6185% | 1,082 |
| Equity capital to assets | 10.0784% | 4,239 |
| Core capital (leverage) ratio | 9.5536% | 4,071 |
| Tier 1 risk-based capital ratio | 13.6308% | 4,631 |
| Total risk-based capital ratio | 14.9029% | 4,583 |
| Memoranda: | ||
| Average total assets | $47,576,000 | 6,495 |
| Average earning assets | $43,833,750 | 6,450 |
| Average equity | $3,961,750 | 6,815 |
| Average total loans | $32,127,250 | 6,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 4,227 |
| Cost of funding earning assets | 1.3206% | 1,820 |
| Net interest margin | 3.4452% | 5,387 |
| Noninterest income to average assets | 0.3979% | 4,697 |
| Noninterest expense to average assets | 3.6223% | 1,698 |
| Loan and lease loss provision to assets | 0.1326% | 4,639 |
| Net operating income to assets | -0.1782% | 6,448 |
| Return on assets (ROA) | -0.1782% | 6,483 |
| Pretax return on assets | -0.1782% | 6,437 |
| Return on Equity (ROE) | -2.2917% | 6,543 |
| Retained earnings to average equity (ytd only) | -2.2917% | 6,293 |
| Net charge-offs to loans | 0.1572% | 4,240 |
| Credit loss provision to net charge-offs | 123.0769% | 2,476 |
| Earnings coverage of net charge-offs (x) | -0.4231% | 5,503 |
| Efficiency ratio | 101.2746% | 687 |
| Assets per employee ($millions) | 3.1425% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3324% | 684 |
| Loan loss allowance to noncurrent loans | 39.7120% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 8.5962% | 503 |
| Noncurrent loans to loans | 8.3914% | 517 |
| Net loans and leases to total assets | 64.4950% | 3,359 |
| Net loans and leases to deposits | 71.0387% | 4,286 |
| Net loans and leases to core deposits | 75.0920% | 4,421 |
| Total domestic deposits to total assets | 90.7886% | 596 |
| Equity capital to assets | 8.5241% | 6,155 |
| Core capital (leverage) ratio | 8.3247% | 5,826 |
| Tier 1 risk-based capital ratio | 11.4005% | 6,246 |
| Total risk-based capital ratio | 12.6724% | 6,221 |
| Memoranda: | ||
| Average total assets | $48,257,000 | 6,534 |
| Average earning assets | $44,525,330 | 6,491 |
| Average equity | $3,752,670 | 6,914 |
| Average total loans | $33,076,670 | 6,130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 5,066 |
| Cost of funding earning assets | 1.3469% | 1,903 |
| Net interest margin | 3.2254% | 5,993 |
| Noninterest income to average assets | 0.4998% | 3,891 |
| Noninterest expense to average assets | 3.4496% | 2,145 |
| Loan and lease loss provision to assets | 0.0819% | 4,976 |
| Net operating income to assets | -0.0492% | 6,412 |
| Return on assets (ROA) | -0.0492% | 6,430 |
| Pretax return on assets | -0.0492% | 6,402 |
| Return on Equity (ROE) | -0.6630% | 6,448 |
| Retained earnings to average equity (ytd only) | -0.6630% | 5,921 |
| Net charge-offs to loans | 0.0590% | 4,345 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,042 |
| Efficiency ratio | 99.0588% | 783 |
| Assets per employee ($millions) | 3.2635% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1953% | 770 |
| Loan loss allowance to noncurrent loans | 33.6873% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 9.2456% | 464 |
| Noncurrent loans to loans | 9.4852% | 443 |
| Net loans and leases to total assets | 64.7968% | 3,286 |
| Net loans and leases to deposits | 70.4451% | 4,279 |
| Net loans and leases to core deposits | 74.3501% | 4,501 |
| Total domestic deposits to total assets | 91.9821% | 292 |
| Equity capital to assets | 7.3785% | 6,937 |
| Core capital (leverage) ratio | 7.3766% | 6,810 |
| Tier 1 risk-based capital ratio | 10.2213% | 6,921 |
| Total risk-based capital ratio | 11.4906% | 6,910 |
| Memoranda: | ||
| Average total assets | $48,817,000 | 6,563 |
| Average earning assets | $45,141,500 | 6,521 |
| Average equity | $3,620,000 | 6,980 |
| Average total loans | $33,890,500 | 6,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 3,367 |
| Cost of funding earning assets | 1.6675% | 1,745 |
| Net interest margin | 3.5814% | 4,903 |
| Noninterest income to average assets | 0.2324% | 6,139 |
| Noninterest expense to average assets | 3.7366% | 1,614 |
| Loan and lease loss provision to assets | 1.6837% | 843 |
| Net operating income to assets | -2.5080% | 7,176 |
| Return on assets (ROA) | -2.5080% | 7,195 |
| Pretax return on assets | -1.8947% | 6,989 |
| Return on Equity (ROE) | -29.0301% | 7,212 |
| Retained earnings to average equity (ytd only) | -29.0301% | 7,200 |
| Net charge-offs to loans | 1.5465% | 1,419 |
| Credit loss provision to net charge-offs | 143.4276% | 2,602 |
| Earnings coverage of net charge-offs (x) | -0.1797% | 6,278 |
| Efficiency ratio | 105.9834% | 624 |
| Assets per employee ($millions) | 3.0426% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9760% | 890 |
| Loan loss allowance to noncurrent loans | 32.5422% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 9.2233% | 479 |
| Noncurrent loans to loans | 9.1449% | 505 |
| Net loans and leases to total assets | 69.7849% | 2,578 |
| Net loans and leases to deposits | 75.8947% | 3,859 |
| Net loans and leases to core deposits | 80.1189% | 4,193 |
| Total domestic deposits to total assets | 91.9496% | 292 |
| Equity capital to assets | 7.4526% | 6,907 |
| Core capital (leverage) ratio | 7.2444% | 6,883 |
| Tier 1 risk-based capital ratio | 9.7689% | 7,063 |
| Total risk-based capital ratio | 11.0385% | 7,053 |
| Memoranda: | ||
| Average total assets | $51,196,400 | 6,491 |
| Average earning assets | $47,076,200 | 6,474 |
| Average equity | $4,423,000 | 6,844 |
| Average total loans | $38,862,400 | 5,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 3,272 |
| Cost of funding earning assets | 1.7092% | 1,827 |
| Net interest margin | 3.6062% | 4,844 |
| Noninterest income to average assets | 0.1930% | 6,508 |
| Noninterest expense to average assets | 3.7690% | 1,433 |
| Loan and lease loss provision to assets | 2.1173% | 538 |
| Net operating income to assets | -1.8240% | 7,190 |
| Return on assets (ROA) | -1.8240% | 7,203 |
| Pretax return on assets | -2.3823% | 7,292 |
| Return on Equity (ROE) | -20.4535% | 7,231 |
| Retained earnings to average equity (ytd only) | -20.4535% | 7,215 |
| Net charge-offs to loans | 2.0556% | 908 |
| Credit loss provision to net charge-offs | 134.0391% | 3,013 |
| Earnings coverage of net charge-offs (x) | -0.1678% | 6,159 |
| Efficiency ratio | 107.5624% | 565 |
| Assets per employee ($millions) | 3.3319% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6147% | 1,185 |
| Loan loss allowance to noncurrent loans | 29.4731% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 9.0580% | 497 |
| Noncurrent loans to loans | 8.8715% | 549 |
| Net loans and leases to total assets | 73.7785% | 1,843 |
| Net loans and leases to deposits | 80.9915% | 3,267 |
| Net loans and leases to core deposits | 87.3871% | 3,463 |
| Total domestic deposits to total assets | 91.0941% | 412 |
| Equity capital to assets | 8.2936% | 6,515 |
| Core capital (leverage) ratio | 7.3446% | 6,977 |
| Tier 1 risk-based capital ratio | 8.8247% | 7,390 |
| Total risk-based capital ratio | 10.0895% | 7,405 |
| Memoranda: | ||
| Average total assets | $51,825,250 | 6,547 |
| Average earning assets | $47,584,000 | 6,527 |
| Average equity | $4,621,750 | 6,867 |
| Average total loans | $39,824,500 | 6,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 3,098 |
| Cost of funding earning assets | 1.7171% | 2,029 |
| Net interest margin | 3.6541% | 4,559 |
| Noninterest income to average assets | 0.4233% | 4,726 |
| Noninterest expense to average assets | 3.8367% | 1,290 |
| Loan and lease loss provision to assets | 1.0374% | 1,402 |
| Net operating income to assets | -0.6522% | 6,780 |
| Return on assets (ROA) | -0.6522% | 6,802 |
| Pretax return on assets | -1.0907% | 6,929 |
| Return on Equity (ROE) | -7.1538% | 6,845 |
| Retained earnings to average equity (ytd only) | -7.1538% | 6,752 |
| Net charge-offs to loans | 0.7362% | 2,389 |
| Credit loss provision to net charge-offs | 182.5503% | 2,153 |
| Earnings coverage of net charge-offs (x) | -0.0940% | 5,800 |
| Efficiency ratio | 101.4113% | 756 |
| Assets per employee ($millions) | 3.4268% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,598 |
| Loan loss allowance to noncurrent loans | 30.9801% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 8.4783% | 552 |
| Noncurrent loans to loans | 7.3967% | 731 |
| Net loans and leases to total assets | 74.9893% | 1,699 |
| Net loans and leases to deposits | 85.8639% | 2,524 |
| Net loans and leases to core deposits | 92.7456% | 2,883 |
| Total domestic deposits to total assets | 87.3351% | 2,365 |
| Equity capital to assets | 9.1047% | 5,287 |
| Core capital (leverage) ratio | 9.2000% | 4,302 |
| Tier 1 risk-based capital ratio | 10.6986% | 6,532 |
| Total risk-based capital ratio | 11.9594% | 6,508 |
| Memoranda: | ||
| Average total assets | $52,441,000 | 6,564 |
| Average earning assets | $48,219,670 | 6,542 |
| Average equity | $4,780,670 | 6,851 |
| Average total loans | $40,478,330 | 6,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 4,362 |
| Cost of funding earning assets | 1.7368% | 2,200 |
| Net interest margin | 3.3999% | 5,584 |
| Noninterest income to average assets | 0.3323% | 5,487 |
| Noninterest expense to average assets | 3.3837% | 2,281 |
| Loan and lease loss provision to assets | 0.1284% | 5,290 |
| Net operating income to assets | 0.2190% | 5,620 |
| Return on assets (ROA) | 0.2190% | 5,734 |
| Pretax return on assets | -0.0453% | 6,406 |
| Return on Equity (ROE) | 2.4012% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,700 |
| Net charge-offs to loans | 0.0976% | 4,443 |
| Credit loss provision to net charge-offs | 170.0000% | 2,140 |
| Earnings coverage of net charge-offs (x) | 1.1000% | 4,109 |
| Efficiency ratio | 97.6035% | 939 |
| Assets per employee ($millions) | 3.2256% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 2,314 |
| Loan loss allowance to noncurrent loans | 26.8850% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 7.9926% | 618 |
| Noncurrent loans to loans | 7.2519% | 804 |
| Net loans and leases to total assets | 76.7855% | 1,372 |
| Net loans and leases to deposits | 88.1722% | 2,193 |
| Net loans and leases to core deposits | 101.4879% | 1,971 |
| Total domestic deposits to total assets | 87.0858% | 2,585 |
| Equity capital to assets | 9.3916% | 4,684 |
| Core capital (leverage) ratio | 9.2454% | 4,147 |
| Tier 1 risk-based capital ratio | 10.8784% | 6,265 |
| Total risk-based capital ratio | 12.1346% | 6,240 |
| Memoranda: | ||
| Average total assets | $52,960,500 | 6,632 |
| Average earning assets | $48,824,500 | 6,599 |
| Average equity | $4,831,000 | 6,898 |
| Average total loans | $40,992,500 | 6,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9977% | 1,880 |
| Cost of funding earning assets | 2.1264% | 2,339 |
| Net interest margin | 3.8713% | 3,393 |
| Noninterest income to average assets | 0.6849% | 3,057 |
| Noninterest expense to average assets | 3.5828% | 2,190 |
| Loan and lease loss provision to assets | 0.9018% | 2,494 |
| Net operating income to assets | -0.1019% | 5,683 |
| Return on assets (ROA) | -0.1019% | 5,689 |
| Pretax return on assets | -0.1623% | 5,665 |
| Return on Equity (ROE) | -1.0986% | 5,705 |
| Retained earnings to average equity (ytd only) | -3.9061% | 5,848 |
| Net charge-offs to loans | 0.5854% | 3,463 |
| Credit loss provision to net charge-offs | 183.1418% | 2,243 |
| Earnings coverage of net charge-offs (x) | 1.5019% | 4,621 |
| Efficiency ratio | 82.8896% | 2,490 |
| Assets per employee ($millions) | 3.6207% | 4,730 |
| Cash dividends to net income (ytd only)* | -255.5556% | 7,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,318 |
| Loan loss allowance to noncurrent loans | 38.7209% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 5.8018% | 985 |
| Noncurrent loans to loans | 4.8523% | 1,412 |
| Net loans and leases to total assets | 75.0990% | 2,001 |
| Net loans and leases to deposits | 88.3084% | 2,510 |
| Net loans and leases to core deposits | 111.7207% | 2,724 |
| Total domestic deposits to total assets | 85.0417% | 3,532 |
| Equity capital to assets | 8.8656% | 5,331 |
| Core capital (leverage) ratio | 9.0382% | 4,360 |
| Tier 1 risk-based capital ratio | 10.5427% | 6,351 |
| Total risk-based capital ratio | 11.7980% | 6,330 |
| Memoranda: | ||
| Average total assets | $53,003,600 | 6,594 |
| Average earning assets | $49,802,600 | 6,537 |
| Average equity | $4,915,400 | 6,975 |
| Average total loans | $44,584,400 | 5,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1499% | 1,493 |
| Cost of funding earning assets | 2.2027% | 2,401 |
| Net interest margin | 3.9472% | 3,053 |
| Noninterest income to average assets | 0.7517% | 2,699 |
| Noninterest expense to average assets | 3.6498% | 1,922 |
| Loan and lease loss provision to assets | 1.2099% | 1,605 |
| Net operating income to assets | -0.4050% | 6,325 |
| Return on assets (ROA) | -0.4050% | 6,326 |
| Pretax return on assets | -0.3797% | 6,174 |
| Return on Equity (ROE) | -4.3180% | 6,374 |
| Retained earnings to average equity (ytd only) | -8.0421% | 6,607 |
| Net charge-offs to loans | 0.7028% | 2,590 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 1.3724% | 4,752 |
| Efficiency ratio | 81.4689% | 2,650 |
| Assets per employee ($millions) | 3.0849% | 5,944 |
| Cash dividends to net income (ytd only)* | -86.2513% | 7,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,251 |
| Loan loss allowance to noncurrent loans | 37.5409% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 5.2495% | 1,106 |
| Noncurrent loans to loans | 4.8171% | 1,410 |
| Net loans and leases to total assets | 83.1398% | 652 |
| Net loans and leases to deposits | 101.9501% | 926 |
| Net loans and leases to core deposits | 129.5297% | 1,460 |
| Total domestic deposits to total assets | 81.5495% | 4,855 |
| Equity capital to assets | 9.0517% | 5,409 |
| Core capital (leverage) ratio | 8.9499% | 4,728 |
| Tier 1 risk-based capital ratio | 10.0654% | 6,909 |
| Total risk-based capital ratio | 11.3214% | 6,855 |
| Memoranda: | ||
| Average total assets | $52,676,750 | 6,650 |
| Average earning assets | $49,756,000 | 6,581 |
| Average equity | $4,940,500 | 7,027 |
| Average total loans | $45,338,500 | 5,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2322% | 1,379 |
| Cost of funding earning assets | 2.2980% | 2,363 |
| Net interest margin | 3.9343% | 2,961 |
| Noninterest income to average assets | 0.9971% | 1,600 |
| Noninterest expense to average assets | 3.6698% | 1,898 |
| Loan and lease loss provision to assets | 0.1630% | 5,431 |
| Net operating income to assets | 0.5232% | 4,011 |
| Return on assets (ROA) | 0.5232% | 4,122 |
| Pretax return on assets | 0.8833% | 3,395 |
| Return on Equity (ROE) | 5.5145% | 3,856 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.4732% | 2,940 |
| Credit loss provision to net charge-offs | 39.8148% | 5,907 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,789 |
| Efficiency ratio | 77.8135% | 3,379 |
| Assets per employee ($millions) | 2.9974% | 6,136 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,450 |
| Loan loss allowance to noncurrent loans | 40.2744% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 3.6365% | 1,700 |
| Noncurrent loans to loans | 2.7834% | 2,585 |
| Net loans and leases to total assets | 86.3801% | 344 |
| Net loans and leases to deposits | 104.7577% | 848 |
| Net loans and leases to core deposits | 131.2509% | 1,469 |
| Total domestic deposits to total assets | 82.4571% | 4,503 |
| Equity capital to assets | 9.8538% | 4,143 |
| Core capital (leverage) ratio | 9.5125% | 3,866 |
| Tier 1 risk-based capital ratio | 10.7514% | 6,132 |
| Total risk-based capital ratio | 11.8291% | 6,253 |
| Memoranda: | ||
| Average total assets | $52,754,670 | 6,710 |
| Average earning assets | $49,869,670 | 6,633 |
| Average equity | $5,005,000 | 7,059 |
| Average total loans | $45,650,000 | 5,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1490% | 1,764 |
| Cost of funding earning assets | 2.3856% | 2,351 |
| Net interest margin | 3.7634% | 3,604 |
| Noninterest income to average assets | 1.2003% | 1,005 |
| Noninterest expense to average assets | 3.4368% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6635% | 3,740 |
| Return on assets (ROA) | 0.6635% | 3,917 |
| Pretax return on assets | 1.3270% | 2,190 |
| Return on Equity (ROE) | 7.1243% | 3,545 |
| Retained earnings to average equity (ytd only) | -3.9224% | 6,419 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1440% | 4,166 |
| Assets per employee ($millions) | 3.1077% | 5,874 |
| Cash dividends to net income (ytd only)* | 155.0562% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 4,599 |
| Loan loss allowance to noncurrent loans | 56.3437% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.6670% | 2,148 |
| Noncurrent loans to loans | 2.1803% | 3,006 |
| Net loans and leases to total assets | 85.8360% | 472 |
| Net loans and leases to deposits | 105.6177% | 899 |
| Net loans and leases to core deposits | 140.0884% | 1,096 |
| Total domestic deposits to total assets | 81.2705% | 4,851 |
| Equity capital to assets | 9.4168% | 4,788 |
| Core capital (leverage) ratio | 9.2966% | 4,252 |
| Tier 1 risk-based capital ratio | 10.3289% | 6,567 |
| Total risk-based capital ratio | 11.5106% | 6,557 |
| Memoranda: | ||
| Average total assets | $53,654,500 | 6,721 |
| Average earning assets | $50,805,000 | 6,627 |
| Average equity | $4,997,000 | 7,112 |
| Average total loans | $46,218,000 | 5,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8781% | 1,471 |
| Cost of funding earning assets | 2.9083% | 2,233 |
| Net interest margin | 3.9698% | 3,273 |
| Noninterest income to average assets | 0.3503% | 5,928 |
| Noninterest expense to average assets | 3.2175% | 3,274 |
| Loan and lease loss provision to assets | 0.2329% | 4,569 |
| Net operating income to assets | 0.3657% | 5,290 |
| Return on assets (ROA) | 0.3633% | 5,099 |
| Pretax return on assets | 0.6167% | 4,641 |
| Return on Equity (ROE) | 4.0790% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.0790% | 2,591 |
| Net charge-offs to loans | 0.0023% | 6,991 |
| Credit loss provision to net charge-offs | 12,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 112 |
| Efficiency ratio | 79.0389% | 2,747 |
| Assets per employee ($millions) | 3.2046% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 4,438 |
| Loan loss allowance to noncurrent loans | 65.0519% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6726% | 1,782 |
| Noncurrent loans to loans | 1.8636% | 2,967 |
| Net loans and leases to total assets | 84.3643% | 827 |
| Net loans and leases to deposits | 106.2929% | 1,098 |
| Net loans and leases to core deposits | 136.0327% | 1,482 |
| Total domestic deposits to total assets | 79.3697% | 5,247 |
| Equity capital to assets | 9.2129% | 5,059 |
| Core capital (leverage) ratio | 9.0831% | 4,625 |
| Tier 1 risk-based capital ratio | 10.1457% | 6,581 |
| Total risk-based capital ratio | 11.2952% | 6,567 |
| Memoranda: | ||
| Average total assets | $53,674,400 | 6,631 |
| Average earning assets | $50,304,800 | 6,580 |
| Average equity | $4,780,600 | 7,212 |
| Average total loans | $44,289,600 | 5,961 |