Home > Northern Star Bank > Performance and Condition Ratios
Northern Star Bank, Performance and Condition Ratios
| 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 | 5.0003% | 771 |
| Cost of funding earning assets | 0.6019% | 1,811 |
| Net interest margin | 4.3984% | 884 |
| Noninterest income to average assets | 1.9323% | 367 |
| Noninterest expense to average assets | 6.4919% | 153 |
| Loan and lease loss provision to assets | -0.0463% | 6,180 |
| Net operating income to assets | -0.7412% | 6,431 |
| Return on assets (ROA) | -0.7279% | 6,424 |
| Pretax return on assets | -0.7279% | 6,406 |
| Return on Equity (ROE) | -32.7915% | 6,545 |
| Retained earnings to average equity (ytd only) | -32.7915% | 6,540 |
| Net charge-offs to loans | 0.2205% | 1,717 |
| Credit loss provision to net charge-offs | -30.4348% | 5,305 |
| Earnings coverage of net charge-offs (x) | -5.1731% | 4,610 |
| Efficiency ratio | 113.8051% | 183 |
| Assets per employee ($millions) | 2.6849% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2272% | 907 |
| Loan loss allowance to noncurrent loans | 82.1958% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 5.4911% | 275 |
| Noncurrent loans to loans | 2.7097% | 1,045 |
| Net loans and leases to total assets | 64.7015% | 3,074 |
| Net loans and leases to deposits | 66.7362% | 4,259 |
| Net loans and leases to core deposits | 69.0909% | 4,407 |
| Total domestic deposits to total assets | 96.9512% | 10 |
| Equity capital to assets | 2.4689% | 6,569 |
| Core capital (leverage) ratio | 2.4385% | 6,576 |
| Tier 1 risk-based capital ratio | 3.3101% | 6,579 |
| Total risk-based capital ratio | 4.5670% | 6,579 |
| Memoranda: | ||
| Average total assets | $20,147,750 | 6,485 |
| Average earning assets | $17,278,500 | 6,483 |
| Average equity | $447,250 | 6,589 |
| Average total loans | $13,909,500 | 6,264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 863 |
| Cost of funding earning assets | 0.6103% | 1,808 |
| Net interest margin | 4.3174% | 991 |
| Noninterest income to average assets | 2.6409% | 225 |
| Noninterest expense to average assets | 6.8062% | 147 |
| Loan and lease loss provision to assets | -0.1359% | 6,410 |
| Net operating income to assets | -0.3204% | 6,380 |
| Return on assets (ROA) | -0.3204% | 6,386 |
| Pretax return on assets | -0.3204% | 6,372 |
| Return on Equity (ROE) | -14.9433% | 6,551 |
| Retained earnings to average equity (ytd only) | -14.9433% | 6,496 |
| Net charge-offs to loans | 0.3750% | 1,081 |
| Credit loss provision to net charge-offs | -51.8519% | 5,173 |
| Earnings coverage of net charge-offs (x) | -1.7407% | 4,235 |
| Efficiency ratio | 107.1865% | 272 |
| Assets per employee ($millions) | 2.9179% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 1,402 |
| Loan loss allowance to noncurrent loans | 78.2353% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 5.0771% | 348 |
| Noncurrent loans to loans | 2.5294% | 1,224 |
| Net loans and leases to total assets | 64.5092% | 2,997 |
| Net loans and leases to deposits | 66.4146% | 4,232 |
| Net loans and leases to core deposits | 68.5607% | 4,406 |
| Total domestic deposits to total assets | 97.1310% | 8 |
| Equity capital to assets | 2.2032% | 6,644 |
| Core capital (leverage) ratio | 2.2216% | 6,646 |
| Tier 1 risk-based capital ratio | 3.1342% | 6,649 |
| Total risk-based capital ratio | 4.3933% | 6,649 |
| Memoranda: | ||
| Average total assets | $20,599,000 | 6,541 |
| Average earning assets | $17,696,000 | 6,544 |
| Average equity | $441,670 | 6,656 |
| Average total loans | $14,400,330 | 6,303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 589 |
| Cost of funding earning assets | 0.6329% | 1,710 |
| Net interest margin | 4.4752% | 689 |
| Noninterest income to average assets | 0.9862% | 1,160 |
| Noninterest expense to average assets | 6.5358% | 162 |
| Loan and lease loss provision to assets | -0.4834% | 6,662 |
| Net operating income to assets | -1.2376% | 6,609 |
| Return on assets (ROA) | -1.2376% | 6,604 |
| Pretax return on assets | -1.2376% | 6,593 |
| Return on Equity (ROE) | -58.5143% | 6,699 |
| Retained earnings to average equity (ytd only) | -58.5143% | 6,685 |
| Net charge-offs to loans | 0.7796% | 444 |
| Credit loss provision to net charge-offs | -86.2069% | 4,818 |
| Earnings coverage of net charge-offs (x) | -3.0690% | 3,558 |
| Efficiency ratio | 135.7430% | 100 |
| Assets per employee ($millions) | 2.5829% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 2,187 |
| Loan loss allowance to noncurrent loans | 109.0517% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 4.4960% | 486 |
| Noncurrent loans to loans | 1.6083% | 2,410 |
| Net loans and leases to total assets | 68.5864% | 2,127 |
| Net loans and leases to deposits | 70.1932% | 3,577 |
| Net loans and leases to core deposits | 72.4170% | 3,829 |
| Total domestic deposits to total assets | 97.7109% | 6 |
| Equity capital to assets | 1.9987% | 6,713 |
| Core capital (leverage) ratio | 2.0735% | 6,720 |
| Tier 1 risk-based capital ratio | 2.6971% | 6,722 |
| Total risk-based capital ratio | 3.9540% | 6,722 |
| Memoranda: | ||
| Average total assets | $20,686,000 | 6,610 |
| Average earning assets | $17,697,500 | 6,612 |
| Average equity | $437,500 | 6,728 |
| Average total loans | $14,879,500 | 6,353 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 882 |
| Cost of funding earning assets | 0.5938% | 2,722 |
| Net interest margin | 4.4273% | 860 |
| Noninterest income to average assets | 0.3485% | 4,826 |
| Noninterest expense to average assets | 6.6713% | 160 |
| Loan and lease loss provision to assets | 0.1804% | 2,042 |
| Net operating income to assets | -2.6816% | 6,745 |
| Return on assets (ROA) | -2.6816% | 6,745 |
| Pretax return on assets | -2.6816% | 6,743 |
| Return on Equity (ROE) | -85.2450% | 6,799 |
| Retained earnings to average equity (ytd only) | -85.2450% | 6,799 |
| Net charge-offs to loans | 1.2685% | 409 |
| Credit loss provision to net charge-offs | 20.6573% | 4,436 |
| Earnings coverage of net charge-offs (x) | -2.8638% | 5,352 |
| Efficiency ratio | 159.9803% | 56 |
| Assets per employee ($millions) | 2.3010% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 1,546 |
| Loan loss allowance to noncurrent loans | 281.6514% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 4.7660% | 509 |
| Noncurrent loans to loans | 0.7108% | 4,187 |
| Net loans and leases to total assets | 72.5627% | 1,587 |
| Net loans and leases to deposits | 74.3874% | 3,205 |
| Net loans and leases to core deposits | 76.7428% | 3,525 |
| Total domestic deposits to total assets | 97.5470% | 8 |
| Equity capital to assets | 2.2309% | 6,784 |
| Core capital (leverage) ratio | 2.2377% | 6,790 |
| Tier 1 risk-based capital ratio | 2.7836% | 6,798 |
| Total risk-based capital ratio | 4.0383% | 6,799 |
| Memoranda: | ||
| Average total assets | $24,388,200 | 6,631 |
| Average earning assets | $21,051,000 | 6,637 |
| Average equity | $767,200 | 6,805 |
| Average total loans | $16,791,400 | 6,332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 1,069 |
| Cost of funding earning assets | 0.5779% | 3,016 |
| Net interest margin | 4.3498% | 984 |
| Noninterest income to average assets | 0.2371% | 5,739 |
| Noninterest expense to average assets | 6.6275% | 161 |
| Loan and lease loss provision to assets | 0.1739% | 2,089 |
| Net operating income to assets | -2.7975% | 6,838 |
| Return on assets (ROA) | -2.7975% | 6,841 |
| Pretax return on assets | -2.7975% | 6,837 |
| Return on Equity (ROE) | -83.9336% | 6,879 |
| Retained earnings to average equity (ytd only) | -83.9336% | 6,877 |
| Net charge-offs to loans | 1.3445% | 391 |
| Credit loss provision to net charge-offs | 19.0751% | 4,087 |
| Earnings coverage of net charge-offs (x) | -2.8786% | 5,103 |
| Efficiency ratio | 165.5263% | 55 |
| Assets per employee ($millions) | 2.1158% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1256% | 1,457 |
| Loan loss allowance to noncurrent loans | 960.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 4.4857% | 678 |
| Noncurrent loans to loans | 0.2214% | 5,681 |
| Net loans and leases to total assets | 66.4733% | 2,564 |
| Net loans and leases to deposits | 68.3258% | 4,023 |
| Net loans and leases to core deposits | 69.2649% | 4,399 |
| Total domestic deposits to total assets | 97.2888% | 7 |
| Equity capital to assets | 2.4276% | 6,862 |
| Core capital (leverage) ratio | 2.4094% | 6,874 |
| Tier 1 risk-based capital ratio | 3.2340% | 6,877 |
| Total risk-based capital ratio | 4.4938% | 6,878 |
| Memoranda: | ||
| Average total assets | $25,308,000 | 6,694 |
| Average earning assets | $21,916,000 | 6,697 |
| Average equity | $843,500 | 6,881 |
| Average total loans | $17,155,750 | 6,378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 1,035 |
| Cost of funding earning assets | 0.5860% | 3,073 |
| Net interest margin | 4.3416% | 954 |
| Noninterest income to average assets | -0.0385% | 6,833 |
| Noninterest expense to average assets | 6.7575% | 156 |
| Loan and lease loss provision to assets | 0.1693% | 2,219 |
| Net operating income to assets | -3.2017% | 6,902 |
| Return on assets (ROA) | -3.2017% | 6,902 |
| Pretax return on assets | -3.2017% | 6,897 |
| Return on Equity (ROE) | -88.8576% | 6,928 |
| Retained earnings to average equity (ytd only) | -88.8576% | 6,925 |
| Net charge-offs to loans | 1.1928% | 487 |
| Credit loss provision to net charge-offs | 20.9524% | 3,714 |
| Earnings coverage of net charge-offs (x) | -3.7524% | 4,807 |
| Efficiency ratio | 181.4050% | 40 |
| Assets per employee ($millions) | 2.0682% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 1,141 |
| Loan loss allowance to noncurrent loans | 577.9412% | 761 |
| Noncurrent assets plus other real estate owned to assets | 4.4685% | 738 |
| Noncurrent loans to loans | 0.4095% | 5,238 |
| Net loans and leases to total assets | 65.3276% | 2,708 |
| Net loans and leases to deposits | 67.3997% | 4,089 |
| Net loans and leases to core deposits | 68.2710% | 4,466 |
| Total domestic deposits to total assets | 96.9256% | 12 |
| Equity capital to assets | 2.7440% | 6,908 |
| Core capital (leverage) ratio | 2.7282% | 6,911 |
| Tier 1 risk-based capital ratio | 3.7459% | 6,917 |
| Total risk-based capital ratio | 5.0054% | 6,916 |
| Memoranda: | ||
| Average total assets | $25,986,000 | 6,731 |
| Average earning assets | $22,526,000 | 6,734 |
| Average equity | $936,330 | 6,929 |
| Average total loans | $17,605,330 | 6,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 1,007 |
| Cost of funding earning assets | 0.6097% | 3,018 |
| Net interest margin | 4.3199% | 932 |
| Noninterest income to average assets | 1.4151% | 762 |
| Noninterest expense to average assets | 6.3229% | 186 |
| Loan and lease loss provision to assets | 0.1656% | 2,207 |
| Net operating income to assets | -1.3399% | 6,869 |
| Return on assets (ROA) | -1.3399% | 6,874 |
| Pretax return on assets | -1.3399% | 6,865 |
| Return on Equity (ROE) | -33.4586% | 6,938 |
| Retained earnings to average equity (ytd only) | -33.4586% | 6,911 |
| Net charge-offs to loans | -0.0221% | 5,760 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8070% | 196 |
| Assets per employee ($millions) | 2.1522% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7669% | 850 |
| Loan loss allowance to noncurrent loans | 1,084.4444% | 440 |
| Noncurrent assets plus other real estate owned to assets | 5.5448% | 618 |
| Noncurrent loans to loans | 0.2551% | 5,773 |
| Net loans and leases to total assets | 66.4021% | 2,301 |
| Net loans and leases to deposits | 69.3113% | 3,598 |
| Net loans and leases to core deposits | 70.1821% | 4,055 |
| Total domestic deposits to total assets | 95.8027% | 29 |
| Equity capital to assets | 3.9573% | 6,940 |
| Core capital (leverage) ratio | 3.8334% | 6,942 |
| Tier 1 risk-based capital ratio | 5.2493% | 6,949 |
| Total risk-based capital ratio | 6.5139% | 6,951 |
| Memoranda: | ||
| Average total assets | $26,570,000 | 6,785 |
| Average earning assets | $22,963,500 | 6,790 |
| Average equity | $1,064,000 | 6,990 |
| Average total loans | $18,105,000 | 6,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7887% | 375 |
| Cost of funding earning assets | 0.8571% | 2,247 |
| Net interest margin | 4.9316% | 424 |
| Noninterest income to average assets | 1.5557% | 650 |
| Noninterest expense to average assets | 6.3182% | 198 |
| Loan and lease loss provision to assets | 0.0955% | 4,467 |
| Net operating income to assets | -0.8910% | 6,706 |
| Return on assets (ROA) | -0.8556% | 6,716 |
| Pretax return on assets | -0.8556% | 6,691 |
| Return on Equity (ROE) | -20.0730% | 6,884 |
| Retained earnings to average equity (ytd only) | -20.0730% | 6,853 |
| Net charge-offs to loans | 0.3018% | 3,138 |
| Credit loss provision to net charge-offs | 45.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 5,889 |
| Efficiency ratio | 114.4046% | 269 |
| Assets per employee ($millions) | 2.4831% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5629% | 1,055 |
| Loan loss allowance to noncurrent loans | 1,252.6316% | 386 |
| Noncurrent assets plus other real estate owned to assets | 6.0152% | 575 |
| Noncurrent loans to loans | 0.2046% | 5,960 |
| Net loans and leases to total assets | 66.2554% | 2,488 |
| Net loans and leases to deposits | 69.2099% | 3,809 |
| Net loans and leases to core deposits | 70.0294% | 4,310 |
| Total domestic deposits to total assets | 95.7311% | 30 |
| Equity capital to assets | 4.0492% | 6,996 |
| Core capital (leverage) ratio | 4.0139% | 6,991 |
| Tier 1 risk-based capital ratio | 5.3980% | 7,009 |
| Total risk-based capital ratio | 6.6621% | 7,012 |
| Memoranda: | ||
| Average total assets | $28,283,400 | 6,800 |
| Average earning assets | $22,751,200 | 6,845 |
| Average equity | $1,205,600 | 7,052 |
| Average total loans | $19,877,800 | 6,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0426% | 271 |
| Cost of funding earning assets | 0.9223% | 2,032 |
| Net interest margin | 5.1202% | 326 |
| Noninterest income to average assets | 1.4069% | 755 |
| Noninterest expense to average assets | 6.2866% | 192 |
| Loan and lease loss provision to assets | 0.0748% | 4,724 |
| Net operating income to assets | -0.9068% | 6,837 |
| Return on assets (ROA) | -0.8600% | 6,847 |
| Pretax return on assets | -0.8600% | 6,820 |
| Return on Equity (ROE) | -19.9374% | 6,989 |
| Retained earnings to average equity (ytd only) | -19.9374% | 6,974 |
| Net charge-offs to loans | 0.4883% | 2,154 |
| Credit loss provision to net charge-offs | 21.6216% | 4,931 |
| Earnings coverage of net charge-offs (x) | -2.4055% | 5,665 |
| Efficiency ratio | 115.2528% | 235 |
| Assets per employee ($millions) | 2.3783% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 1,350 |
| Loan loss allowance to noncurrent loans | 1,156.4103% | 385 |
| Noncurrent assets plus other real estate owned to assets | 5.6134% | 749 |
| Noncurrent loans to loans | 0.2080% | 6,088 |
| Net loans and leases to total assets | 64.1158% | 3,008 |
| Net loans and leases to deposits | 67.0085% | 4,335 |
| Net loans and leases to core deposits | 67.7603% | 4,749 |
| Total domestic deposits to total assets | 95.6831% | 30 |
| Equity capital to assets | 4.0646% | 7,101 |
| Core capital (leverage) ratio | 4.0624% | 7,092 |
| Tier 1 risk-based capital ratio | 5.6000% | 7,099 |
| Total risk-based capital ratio | 6.8627% | 7,100 |
| Memoranda: | ||
| Average total assets | $28,525,750 | 6,877 |
| Average earning assets | $22,550,500 | 6,938 |
| Average equity | $1,230,500 | 7,144 |
| Average total loans | $20,204,000 | 6,504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1382% | 245 |
| Cost of funding earning assets | 0.9596% | 1,999 |
| Net interest margin | 5.1785% | 303 |
| Noninterest income to average assets | 0.9186% | 1,719 |
| Noninterest expense to average assets | 6.2760% | 196 |
| Loan and lease loss provision to assets | 0.0631% | 4,863 |
| Net operating income to assets | -1.2201% | 6,962 |
| Return on assets (ROA) | -1.1500% | 6,961 |
| Pretax return on assets | -1.1500% | 6,935 |
| Return on Equity (ROE) | -26.1563% | 7,077 |
| Retained earnings to average equity (ytd only) | -26.1563% | 7,064 |
| Net charge-offs to loans | -0.1353% | 6,920 |
| Credit loss provision to net charge-offs | -64.2857% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6027% | 210 |
| Assets per employee ($millions) | 2.2761% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5682% | 1,183 |
| Loan loss allowance to noncurrent loans | 1,437.8378% | 321 |
| Noncurrent assets plus other real estate owned to assets | 6.2278% | 675 |
| Noncurrent loans to loans | 0.1786% | 6,224 |
| Net loans and leases to total assets | 73.8952% | 1,261 |
| Net loans and leases to deposits | 78.0985% | 2,654 |
| Net loans and leases to core deposits | 79.0251% | 3,364 |
| Total domestic deposits to total assets | 94.6179% | 63 |
| Equity capital to assets | 4.2544% | 7,129 |
| Core capital (leverage) ratio | 4.1149% | 7,127 |
| Tier 1 risk-based capital ratio | 5.2255% | 7,159 |
| Total risk-based capital ratio | 6.4898% | 7,159 |
| Memoranda: | ||
| Average total assets | $28,521,330 | 6,933 |
| Average earning assets | $23,134,000 | 6,984 |
| Average equity | $1,254,000 | 7,200 |
| Average total loans | $20,689,000 | 6,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2529% | 218 |
| Cost of funding earning assets | 0.9541% | 2,279 |
| Net interest margin | 5.2988% | 247 |
| Noninterest income to average assets | 0.9064% | 1,718 |
| Noninterest expense to average assets | 5.9467% | 213 |
| Loan and lease loss provision to assets | 0.1511% | 3,482 |
| Net operating income to assets | -0.9202% | 6,986 |
| Return on assets (ROA) | -0.9202% | 6,999 |
| Pretax return on assets | -0.9202% | 6,957 |
| Return on Equity (ROE) | -20.6154% | 7,115 |
| Retained earnings to average equity (ytd only) | -20.6154% | 7,053 |
| Net charge-offs to loans | -0.2708% | 7,041 |
| Credit loss provision to net charge-offs | -78.5714% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8541% | 277 |
| Assets per employee ($millions) | 2.3572% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5958% | 1,233 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 7.0600% | 601 |
| Noncurrent loans to loans | 0.0292% | 6,697 |
| Net loans and leases to total assets | 70.8407% | 1,604 |
| Net loans and leases to deposits | 75.1472% | 2,950 |
| Net loans and leases to core deposits | 76.0109% | 3,620 |
| Total domestic deposits to total assets | 94.2692% | 83 |
| Equity capital to assets | 4.5146% | 7,159 |
| Core capital (leverage) ratio | 4.4215% | 7,154 |
| Tier 1 risk-based capital ratio | 5.3909% | 7,196 |
| Total risk-based capital ratio | 6.6512% | 7,197 |
| Memoranda: | ||
| Average total assets | $29,125,500 | 6,971 |
| Average earning assets | $23,477,000 | 7,033 |
| Average equity | $1,300,000 | 7,251 |
| Average total loans | $20,676,000 | 6,584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 524 |
| Cost of funding earning assets | 1.5470% | 594 |
| Net interest margin | 4.3490% | 1,544 |
| Noninterest income to average assets | 0.3694% | 4,864 |
| Noninterest expense to average assets | 5.5094% | 263 |
| Loan and lease loss provision to assets | 1.0497% | 880 |
| Net operating income to assets | -2.6946% | 7,138 |
| Return on assets (ROA) | -2.6477% | 7,141 |
| Pretax return on assets | -2.6477% | 7,142 |
| Return on Equity (ROE) | -61.6972% | 7,250 |
| Retained earnings to average equity (ytd only) | -61.6972% | 7,250 |
| Net charge-offs to loans | 2.1170% | 627 |
| Credit loss provision to net charge-offs | 69.7856% | 4,855 |
| Earnings coverage of net charge-offs (x) | -1.0936% | 6,207 |
| Efficiency ratio | 142.5645% | 163 |
| Assets per employee ($millions) | 2.7241% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 1,383 |
| Loan loss allowance to noncurrent loans | 54.8491% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 9.7781% | 349 |
| Noncurrent loans to loans | 4.4658% | 1,338 |
| Net loans and leases to total assets | 67.6489% | 2,464 |
| Net loans and leases to deposits | 71.7837% | 3,827 |
| Net loans and leases to core deposits | 72.5623% | 4,428 |
| Total domestic deposits to total assets | 94.2399% | 83 |
| Equity capital to assets | 4.4152% | 7,198 |
| Core capital (leverage) ratio | 4.2296% | 7,194 |
| Tier 1 risk-based capital ratio | 5.5862% | 7,218 |
| Total risk-based capital ratio | 6.8489% | 7,218 |
| Memoranda: | ||
| Average total assets | $34,105,600 | 6,856 |
| Average earning assets | $27,408,400 | 6,939 |
| Average equity | $1,463,600 | 7,292 |
| Average total loans | $24,232,200 | 6,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 600 |
| Cost of funding earning assets | 1.6467% | 484 |
| Net interest margin | 4.2203% | 2,021 |
| Noninterest income to average assets | 0.1935% | 6,207 |
| Noninterest expense to average assets | 5.4257% | 271 |
| Loan and lease loss provision to assets | 1.3166% | 565 |
| Net operating income to assets | -3.1454% | 7,284 |
| Return on assets (ROA) | -3.0885% | 7,282 |
| Pretax return on assets | -3.0885% | 7,278 |
| Return on Equity (ROE) | -72.4143% | 7,350 |
| Retained earnings to average equity (ytd only) | -72.4143% | 7,348 |
| Net charge-offs to loans | 2.4758% | 443 |
| Credit loss provision to net charge-offs | 74.4635% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.0343% | 5,934 |
| Efficiency ratio | 150.8439% | 137 |
| Assets per employee ($millions) | 2.7400% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4670% | 1,443 |
| Loan loss allowance to noncurrent loans | 44.4173% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 10.3954% | 339 |
| Noncurrent loans to loans | 5.5540% | 1,060 |
| Net loans and leases to total assets | 65.5322% | 2,996 |
| Net loans and leases to deposits | 73.0977% | 3,791 |
| Net loans and leases to core deposits | 73.8518% | 4,466 |
| Total domestic deposits to total assets | 89.6502% | 1,067 |
| Equity capital to assets | 3.5401% | 7,343 |
| Core capital (leverage) ratio | 3.4947% | 7,326 |
| Tier 1 risk-based capital ratio | 4.7098% | 7,338 |
| Total risk-based capital ratio | 5.9708% | 7,339 |
| Memoranda: | ||
| Average total assets | $35,140,750 | 6,890 |
| Average earning assets | $28,338,750 | 6,985 |
| Average equity | $1,498,750 | 7,366 |
| Average total loans | $25,095,250 | 6,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0582% | 421 |
| Cost of funding earning assets | 1.7523% | 384 |
| Net interest margin | 4.3059% | 1,632 |
| Noninterest income to average assets | -0.2675% | 7,374 |
| Noninterest expense to average assets | 5.7168% | 237 |
| Loan and lease loss provision to assets | 1.8722% | 350 |
| Net operating income to assets | -4.3238% | 7,409 |
| Return on assets (ROA) | -4.2625% | 7,409 |
| Pretax return on assets | -4.2625% | 7,402 |
| Return on Equity (ROE) | -95.0116% | 7,437 |
| Retained earnings to average equity (ytd only) | -95.0116% | 7,435 |
| Net charge-offs to loans | 3.2112% | 301 |
| Credit loss provision to net charge-offs | 80.1909% | 3,769 |
| Earnings coverage of net charge-offs (x) | -1.0501% | 5,636 |
| Efficiency ratio | 175.0853% | 89 |
| Assets per employee ($millions) | 2.4220% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4572% | 1,513 |
| Loan loss allowance to noncurrent loans | 107.5926% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 8.3196% | 533 |
| Noncurrent loans to loans | 2.2838% | 3,123 |
| Net loans and leases to total assets | 68.0193% | 2,608 |
| Net loans and leases to deposits | 76.0761% | 3,454 |
| Net loans and leases to core deposits | 76.8390% | 4,206 |
| Total domestic deposits to total assets | 89.4096% | 1,295 |
| Equity capital to assets | 3.5950% | 7,409 |
| Core capital (leverage) ratio | 3.4692% | 7,405 |
| Tier 1 risk-based capital ratio | 4.6007% | 7,415 |
| Total risk-based capital ratio | 5.8918% | 7,414 |
| Memoranda: | ||
| Average total assets | $35,894,330 | 6,920 |
| Average earning assets | $29,447,670 | 7,016 |
| Average equity | $1,610,330 | 7,414 |
| Average total loans | $26,096,330 | 6,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 295 |
| Cost of funding earning assets | 1.6667% | 636 |
| Net interest margin | 4.6126% | 842 |
| Noninterest income to average assets | 0.5097% | 3,802 |
| Noninterest expense to average assets | 5.1291% | 328 |
| Loan and lease loss provision to assets | 2.8302% | 169 |
| Net operating income to assets | -3.5784% | 7,430 |
| Return on assets (ROA) | -3.5784% | 7,434 |
| Pretax return on assets | -3.5784% | 7,416 |
| Return on Equity (ROE) | -73.0897% | 7,472 |
| Retained earnings to average equity (ytd only) | -73.0897% | 7,464 |
| Net charge-offs to loans | 3.7918% | 251 |
| Credit loss provision to net charge-offs | 100.7722% | 2,621 |
| Earnings coverage of net charge-offs (x) | -0.2664% | 4,723 |
| Efficiency ratio | 117.0792% | 381 |
| Assets per employee ($millions) | 2.5929% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 1,484 |
| Loan loss allowance to noncurrent loans | 459.3103% | 689 |
| Noncurrent assets plus other real estate owned to assets | 7.1543% | 733 |
| Noncurrent loans to loans | 0.5404% | 5,944 |
| Net loans and leases to total assets | 72.0882% | 1,703 |
| Net loans and leases to deposits | 82.3670% | 2,298 |
| Net loans and leases to core deposits | 83.1390% | 3,290 |
| Total domestic deposits to total assets | 87.5207% | 2,651 |
| Equity capital to assets | 4.5179% | 7,407 |
| Core capital (leverage) ratio | 4.4501% | 7,400 |
| Tier 1 risk-based capital ratio | 5.5644% | 7,436 |
| Total risk-based capital ratio | 6.8274% | 7,438 |
| Memoranda: | ||
| Average total assets | $36,887,500 | 6,937 |
| Average earning assets | $30,959,000 | 7,019 |
| Average equity | $1,806,000 | 7,434 |
| Average total loans | $27,322,000 | 6,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 1,638 |
| Cost of funding earning assets | 1.7480% | 1,384 |
| Net interest margin | 3.9337% | 3,327 |
| Noninterest income to average assets | 0.8943% | 1,864 |
| Noninterest expense to average assets | 5.5464% | 292 |
| Loan and lease loss provision to assets | 3.2155% | 271 |
| Net operating income to assets | -4.3797% | 7,479 |
| Return on assets (ROA) | -4.2568% | 7,480 |
| Pretax return on assets | -4.2568% | 7,475 |
| Return on Equity (ROE) | -60.2895% | 7,485 |
| Retained earnings to average equity (ytd only) | -60.2895% | 7,482 |
| Net charge-offs to loans | 4.2991% | 265 |
| Credit loss provision to net charge-offs | 93.0914% | 4,983 |
| Earnings coverage of net charge-offs (x) | -0.3371% | 6,384 |
| Efficiency ratio | 126.5677% | 347 |
| Assets per employee ($millions) | 2.8827% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3876% | 1,559 |
| Loan loss allowance to noncurrent loans | 87.0249% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 7.4129% | 713 |
| Noncurrent loans to loans | 2.7436% | 2,771 |
| Net loans and leases to total assets | 72.4376% | 2,002 |
| Net loans and leases to deposits | 84.6276% | 2,352 |
| Net loans and leases to core deposits | 85.4158% | 3,412 |
| Total domestic deposits to total assets | 85.5957% | 3,557 |
| Equity capital to assets | 5.2622% | 7,415 |
| Core capital (leverage) ratio | 5.1240% | 7,409 |
| Tier 1 risk-based capital ratio | 6.5081% | 7,459 |
| Total risk-based capital ratio | 7.7687% | 7,459 |
| Memoranda: | ||
| Average total assets | $41,486,600 | 6,811 |
| Average earning assets | $36,784,800 | 6,848 |
| Average equity | $2,929,200 | 7,292 |
| Average total loans | $33,332,800 | 6,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 1,846 |
| Cost of funding earning assets | 1.7508% | 1,621 |
| Net interest margin | 3.9105% | 3,487 |
| Noninterest income to average assets | 0.8849% | 1,851 |
| Noninterest expense to average assets | 5.6452% | 255 |
| Loan and lease loss provision to assets | 3.9318% | 170 |
| Net operating income to assets | -5.1808% | 7,660 |
| Return on assets (ROA) | -5.0584% | 7,659 |
| Pretax return on assets | -5.0584% | 7,648 |
| Return on Equity (ROE) | -67.8327% | 7,631 |
| Retained earnings to average equity (ytd only) | -67.8327% | 7,630 |
| Net charge-offs to loans | 4.3325% | 252 |
| Credit loss provision to net charge-offs | 111.0816% | 3,809 |
| Earnings coverage of net charge-offs (x) | -0.3528% | 6,268 |
| Efficiency ratio | 128.4083% | 307 |
| Assets per employee ($millions) | 3.1542% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6889% | 1,094 |
| Loan loss allowance to noncurrent loans | 89.6970% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 6.3504% | 905 |
| Noncurrent loans to loans | 2.9977% | 2,659 |
| Net loans and leases to total assets | 78.3734% | 973 |
| Net loans and leases to deposits | 95.9514% | 983 |
| Net loans and leases to core deposits | 96.8069% | 2,166 |
| Total domestic deposits to total assets | 81.6803% | 5,137 |
| Equity capital to assets | 5.2798% | 7,552 |
| Core capital (leverage) ratio | 5.2223% | 7,527 |
| Tier 1 risk-based capital ratio | 6.4992% | 7,583 |
| Total risk-based capital ratio | 7.7839% | 7,585 |
| Memoranda: | ||
| Average total assets | $42,489,500 | 6,866 |
| Average earning assets | $38,152,750 | 6,876 |
| Average equity | $3,168,500 | 7,317 |
| Average total loans | $34,713,500 | 6,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5801% | 2,211 |
| Cost of funding earning assets | 1.7621% | 1,806 |
| Net interest margin | 3.8179% | 3,815 |
| Noninterest income to average assets | 0.4886% | 4,204 |
| Noninterest expense to average assets | 5.3647% | 293 |
| Loan and lease loss provision to assets | 0.9352% | 1,564 |
| Net operating income to assets | -2.3637% | 7,389 |
| Return on assets (ROA) | -2.1868% | 7,359 |
| Pretax return on assets | -2.1868% | 7,289 |
| Return on Equity (ROE) | -26.8341% | 7,392 |
| Retained earnings to average equity (ytd only) | -26.8341% | 7,377 |
| Net charge-offs to loans | 1.5591% | 1,219 |
| Credit loss provision to net charge-offs | 73.0909% | 4,890 |
| Earnings coverage of net charge-offs (x) | -1.1164% | 6,137 |
| Efficiency ratio | 136.2884% | 272 |
| Assets per employee ($millions) | 3.1117% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 1,969 |
| Loan loss allowance to noncurrent loans | 44.9446% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 6.1431% | 939 |
| Noncurrent loans to loans | 4.6618% | 1,543 |
| Net loans and leases to total assets | 79.5882% | 862 |
| Net loans and leases to deposits | 102.6626% | 557 |
| Net loans and leases to core deposits | 104.7401% | 1,561 |
| Total domestic deposits to total assets | 77.5240% | 6,386 |
| Equity capital to assets | 8.1158% | 6,637 |
| Core capital (leverage) ratio | 7.8859% | 6,398 |
| Tier 1 risk-based capital ratio | 9.4577% | 7,276 |
| Total risk-based capital ratio | 10.7202% | 7,277 |
| Memoranda: | ||
| Average total assets | $42,984,330 | 6,895 |
| Average earning assets | $38,816,670 | 6,893 |
| Average equity | $3,503,000 | 7,264 |
| Average total loans | $35,276,330 | 6,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 3,558 |
| Cost of funding earning assets | 1.7563% | 2,096 |
| Net interest margin | 3.5425% | 4,983 |
| Noninterest income to average assets | 0.6508% | 2,931 |
| Noninterest expense to average assets | 5.6677% | 251 |
| Loan and lease loss provision to assets | 0.2712% | 3,856 |
| Net operating income to assets | -2.0791% | 7,481 |
| Return on assets (ROA) | -2.0791% | 7,486 |
| Pretax return on assets | -2.0791% | 7,432 |
| Return on Equity (ROE) | -25.4636% | 7,505 |
| Retained earnings to average equity (ytd only) | -25.4636% | 7,466 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.8384% | 222 |
| Assets per employee ($millions) | 3.6038% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,690 |
| Loan loss allowance to noncurrent loans | 49.2853% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 5.9705% | 1,010 |
| Noncurrent loans to loans | 4.5291% | 1,650 |
| Net loans and leases to total assets | 80.3149% | 798 |
| Net loans and leases to deposits | 107.1609% | 374 |
| Net loans and leases to core deposits | 109.2508% | 1,334 |
| Total domestic deposits to total assets | 74.9480% | 6,911 |
| Equity capital to assets | 8.1002% | 6,539 |
| Core capital (leverage) ratio | 8.4498% | 5,469 |
| Tier 1 risk-based capital ratio | 10.1887% | 6,895 |
| Total risk-based capital ratio | 11.4508% | 6,877 |
| Memoranda: | ||
| Average total assets | $44,250,500 | 6,941 |
| Average earning assets | $40,084,500 | 6,927 |
| Average equity | $3,613,000 | 7,310 |
| Average total loans | $36,472,500 | 6,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7093% | 3,055 |
| Cost of funding earning assets | 2.6206% | 734 |
| Net interest margin | 3.0887% | 6,401 |
| Noninterest income to average assets | 0.7548% | 2,648 |
| Noninterest expense to average assets | 3.9471% | 1,441 |
| Loan and lease loss provision to assets | 1.1231% | 2,036 |
| Net operating income to assets | -1.4690% | 6,838 |
| Return on assets (ROA) | -1.3733% | 6,804 |
| Pretax return on assets | -1.3733% | 6,635 |
| Return on Equity (ROE) | -17.2299% | 7,043 |
| Retained earnings to average equity (ytd only) | -17.2299% | 6,998 |
| Net charge-offs to loans | 0.2570% | 5,013 |
| Credit loss provision to net charge-offs | 520.7547% | 585 |
| Earnings coverage of net charge-offs (x) | -1.6038% | 6,970 |
| Efficiency ratio | 109.6045% | 805 |
| Assets per employee ($millions) | 3.0170% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,942 |
| Loan loss allowance to noncurrent loans | 50.6977% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 6.3507% | 872 |
| Noncurrent loans to loans | 4.0220% | 1,845 |
| Net loans and leases to total assets | 80.9988% | 837 |
| Net loans and leases to deposits | 106.3850% | 531 |
| Net loans and leases to core deposits | 131.7661% | 1,185 |
| Total domestic deposits to total assets | 76.1374% | 6,652 |
| Equity capital to assets | 8.2267% | 6,308 |
| Core capital (leverage) ratio | 8.5931% | 5,108 |
| Tier 1 risk-based capital ratio | 10.2521% | 6,633 |
| Total risk-based capital ratio | 11.5234% | 6,587 |
| Memoranda: | ||
| Average total assets | $49,150,600 | 6,744 |
| Average earning assets | $45,294,200 | 6,709 |
| Average equity | $3,917,600 | 7,322 |
| Average total loans | $41,245,600 | 6,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 2,754 |
| Cost of funding earning assets | 2.7624% | 661 |
| Net interest margin | 3.0671% | 6,412 |
| Noninterest income to average assets | 0.8033% | 2,413 |
| Noninterest expense to average assets | 3.7984% | 1,587 |
| Loan and lease loss provision to assets | 1.4151% | 1,360 |
| Net operating income to assets | -1.5720% | 7,145 |
| Return on assets (ROA) | -1.4470% | 7,081 |
| Pretax return on assets | -1.4470% | 6,932 |
| Return on Equity (ROE) | -18.2873% | 7,316 |
| Retained earnings to average equity (ytd only) | -18.2873% | 7,280 |
| Net charge-offs to loans | 0.2812% | 4,275 |
| Credit loss provision to net charge-offs | 597.7528% | 644 |
| Earnings coverage of net charge-offs (x) | -0.6629% | 6,547 |
| Efficiency ratio | 104.3097% | 906 |
| Assets per employee ($millions) | 3.2896% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 1,850 |
| Loan loss allowance to noncurrent loans | 31.5746% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 5.7910% | 956 |
| Noncurrent loans to loans | 6.2708% | 932 |
| Net loans and leases to total assets | 81.6954% | 863 |
| Net loans and leases to deposits | 106.0668% | 649 |
| Net loans and leases to core deposits | 132.7219% | 1,293 |
| Total domestic deposits to total assets | 77.0226% | 6,331 |
| Equity capital to assets | 8.3489% | 6,444 |
| Core capital (leverage) ratio | 8.3383% | 5,768 |
| Tier 1 risk-based capital ratio | 10.4754% | 6,494 |
| Total risk-based capital ratio | 11.7492% | 6,422 |
| Memoranda: | ||
| Average total assets | $50,124,500 | 6,752 |
| Average earning assets | $46,383,750 | 6,720 |
| Average equity | $3,966,250 | 7,371 |
| Average total loans | $42,202,250 | 6,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8450% | 2,830 |
| Cost of funding earning assets | 2.8468% | 699 |
| Net interest margin | 2.9982% | 6,559 |
| Noninterest income to average assets | 0.8935% | 2,011 |
| Noninterest expense to average assets | 3.8849% | 1,512 |
| Loan and lease loss provision to assets | 2.0512% | 785 |
| Net operating income to assets | -2.2727% | 7,504 |
| Return on assets (ROA) | -2.2727% | 7,500 |
| Pretax return on assets | -2.2727% | 7,366 |
| Return on Equity (ROE) | -29.2013% | 7,698 |
| Retained earnings to average equity (ytd only) | -29.2013% | 7,674 |
| Net charge-offs to loans | 0.4140% | 3,138 |
| Credit loss provision to net charge-offs | 586.6667% | 795 |
| Earnings coverage of net charge-offs (x) | -0.6333% | 6,130 |
| Efficiency ratio | 106.0445% | 969 |
| Assets per employee ($millions) | 3.3626% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 1,790 |
| Loan loss allowance to noncurrent loans | 32.0731% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 5.5527% | 901 |
| Noncurrent loans to loans | 5.9257% | 931 |
| Net loans and leases to total assets | 82.7810% | 811 |
| Net loans and leases to deposits | 110.0195% | 548 |
| Net loans and leases to core deposits | 142.5123% | 912 |
| Total domestic deposits to total assets | 75.2422% | 6,711 |
| Equity capital to assets | 8.0126% | 6,732 |
| Core capital (leverage) ratio | 7.7329% | 6,700 |
| Tier 1 risk-based capital ratio | 9.8844% | 7,054 |
| Total risk-based capital ratio | 11.1430% | 6,974 |
| Memoranda: | ||
| Average total assets | $51,481,330 | 6,771 |
| Average earning assets | $47,562,000 | 6,729 |
| Average equity | $4,006,670 | 7,408 |
| Average total loans | $43,475,000 | 6,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0965% | 1,961 |
| Cost of funding earning assets | 2.9231% | 729 |
| Net interest margin | 3.1734% | 5,945 |
| Noninterest income to average assets | 0.8569% | 2,047 |
| Noninterest expense to average assets | 3.3157% | 2,610 |
| Loan and lease loss provision to assets | 3.5914% | 287 |
| Net operating income to assets | -3.1220% | 7,863 |
| Return on assets (ROA) | -3.1220% | 7,865 |
| Pretax return on assets | -3.1220% | 7,782 |
| Return on Equity (ROE) | -40.6402% | 7,998 |
| Retained earnings to average equity (ytd only) | -40.6402% | 7,976 |
| Net charge-offs to loans | 0.7321% | 1,722 |
| Credit loss provision to net charge-offs | 580.7229% | 973 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 4,420 |
| Efficiency ratio | 87.5984% | 1,925 |
| Assets per employee ($millions) | 3.6269% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 2,180 |
| Loan loss allowance to noncurrent loans | 55.8502% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 4.8074% | 962 |
| Noncurrent loans to loans | 3.0239% | 2,161 |
| Net loans and leases to total assets | 82.0860% | 1,003 |
| Net loans and leases to deposits | 110.4808% | 590 |
| Net loans and leases to core deposits | 147.1751% | 805 |
| Total domestic deposits to total assets | 74.2989% | 6,833 |
| Equity capital to assets | 7.7340% | 7,147 |
| Core capital (leverage) ratio | 7.6867% | 6,903 |
| Tier 1 risk-based capital ratio | 9.6096% | 7,331 |
| Total risk-based capital ratio | 10.8663% | 7,261 |
| Memoranda: | ||
| Average total assets | $53,684,000 | 6,720 |
| Average earning assets | $49,537,000 | 6,682 |
| Average equity | $4,124,000 | 7,406 |
| Average total loans | $45,350,000 | 5,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1752% | 4,640 |
| Cost of funding earning assets | 3.5220% | 485 |
| Net interest margin | 2.6532% | 7,572 |
| Noninterest income to average assets | 0.6672% | 3,353 |
| Noninterest expense to average assets | 3.3593% | 2,799 |
| Loan and lease loss provision to assets | 0.0307% | 7,020 |
| Net operating income to assets | -0.2560% | 6,689 |
| Return on assets (ROA) | -0.2488% | 6,522 |
| Pretax return on assets | -0.2488% | 6,408 |
| Return on Equity (ROE) | -3.0694% | 6,630 |
| Retained earnings to average equity (ytd only) | -3.0694% | 6,125 |
| Net charge-offs to loans | 0.0372% | 6,282 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | -7.3529% | 6,872 |
| Efficiency ratio | 107.1922% | 778 |
| Assets per employee ($millions) | 3.7728% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 7,535 |
| Loan loss allowance to noncurrent loans | 12.6144% | 7,463 |
| Noncurrent assets plus other real estate owned to assets | 6.0751% | 487 |
| Noncurrent loans to loans | 5.2025% | 818 |
| Net loans and leases to total assets | 84.7947% | 761 |
| Net loans and leases to deposits | 118.2412% | 438 |
| Net loans and leases to core deposits | 167.7574% | 446 |
| Total domestic deposits to total assets | 71.7133% | 7,051 |
| Equity capital to assets | 7.6354% | 7,274 |
| Core capital (leverage) ratio | 8.6530% | 5,280 |
| Tier 1 risk-based capital ratio | 10.1381% | 6,588 |
| Total risk-based capital ratio | 10.8618% | 7,084 |
| Memoranda: | ||
| Average total assets | $55,458,400 | 6,554 |
| Average earning assets | $51,561,200 | 6,524 |
| Average equity | $4,496,000 | 7,333 |
| Average total loans | $45,749,200 | 5,892 |