Home > Northland National Bank > Performance and Condition Ratios
Northland National Bank, Performance and Condition Ratios
| 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 | 4.0992% | 4,954 |
| Cost of funding earning assets | 1.0145% | 1,276 |
| Net interest margin | 3.0847% | 5,854 |
| Noninterest income to average assets | 0.1725% | 6,167 |
| Noninterest expense to average assets | 4.7035% | 474 |
| Loan and lease loss provision to assets | 0.8728% | 523 |
| Net operating income to assets | -2.4798% | 6,974 |
| Return on assets (ROA) | -2.4798% | 6,980 |
| Pretax return on assets | -2.4798% | 6,980 |
| Return on Equity (ROE) | -25.8837% | 6,931 |
| Retained earnings to average equity (ytd only) | -25.8837% | 6,904 |
| Net charge-offs to loans | 3.6678% | 93 |
| Credit loss provision to net charge-offs | 41.8023% | 4,899 |
| Earnings coverage of net charge-offs (x) | -0.7697% | 5,728 |
| Efficiency ratio | 151.8987% | 89 |
| Assets per employee ($millions) | 3.4502% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 2,109 |
| Loan loss allowance to noncurrent loans | 521.3333% | 798 |
| Noncurrent assets plus other real estate owned to assets | 1.8376% | 2,663 |
| Noncurrent loans to loans | 0.3775% | 5,553 |
| Net loans and leases to total assets | 56.4431% | 4,217 |
| Net loans and leases to deposits | 63.4911% | 4,603 |
| Net loans and leases to core deposits | 65.3556% | 4,802 |
| Total domestic deposits to total assets | 88.8992% | 1,642 |
| Equity capital to assets | 9.0661% | 5,446 |
| Core capital (leverage) ratio | 8.3430% | 5,834 |
| Tier 1 risk-based capital ratio | 14.4425% | 4,075 |
| Total risk-based capital ratio | 15.7015% | 4,020 |
| Memoranda: | ||
| Average total assets | $38,269,200 | 6,549 |
| Average earning assets | $36,275,800 | 6,492 |
| Average equity | $3,666,400 | 6,645 |
| Average total loans | $21,784,400 | 6,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 5,273 |
| Cost of funding earning assets | 1.0705% | 1,193 |
| Net interest margin | 3.0074% | 6,158 |
| Noninterest income to average assets | 0.1258% | 6,506 |
| Noninterest expense to average assets | 4.5122% | 532 |
| Loan and lease loss provision to assets | 0.6767% | 765 |
| Net operating income to assets | -2.2068% | 7,061 |
| Return on assets (ROA) | -2.2068% | 7,068 |
| Pretax return on assets | -2.2068% | 7,056 |
| Return on Equity (ROE) | -22.7653% | 7,018 |
| Retained earnings to average equity (ytd only) | -22.7653% | 7,004 |
| Net charge-offs to loans | 3.6350% | 116 |
| Credit loss provision to net charge-offs | 32.7842% | 4,755 |
| Earnings coverage of net charge-offs (x) | -0.7414% | 5,542 |
| Efficiency ratio | 151.3113% | 86 |
| Assets per employee ($millions) | 3.6323% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 1,968 |
| Loan loss allowance to noncurrent loans | 300.6711% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 3,116 |
| Noncurrent loans to loans | 0.6897% | 5,061 |
| Net loans and leases to total assets | 58.2441% | 4,095 |
| Net loans and leases to deposits | 65.1495% | 4,576 |
| Net loans and leases to core deposits | 69.1102% | 4,598 |
| Total domestic deposits to total assets | 89.4007% | 1,190 |
| Equity capital to assets | 9.5146% | 5,187 |
| Core capital (leverage) ratio | 8.6712% | 5,519 |
| Tier 1 risk-based capital ratio | 14.5311% | 4,166 |
| Total risk-based capital ratio | 15.7923% | 4,127 |
| Memoranda: | ||
| Average total assets | $39,211,000 | 6,612 |
| Average earning assets | $37,240,750 | 6,540 |
| Average equity | $3,801,000 | 6,693 |
| Average total loans | $22,264,250 | 6,407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 5,495 |
| Cost of funding earning assets | 1.1410% | 1,065 |
| Net interest margin | 2.9048% | 6,423 |
| Noninterest income to average assets | 0.3983% | 4,666 |
| Noninterest expense to average assets | 4.6399% | 481 |
| Loan and lease loss provision to assets | 0.7617% | 679 |
| Net operating income to assets | -2.2403% | 7,098 |
| Return on assets (ROA) | -2.2403% | 7,107 |
| Pretax return on assets | -2.2403% | 7,094 |
| Return on Equity (ROE) | -22.9826% | 7,059 |
| Retained earnings to average equity (ytd only) | -22.9826% | 7,042 |
| Net charge-offs to loans | 4.3052% | 97 |
| Credit loss provision to net charge-offs | 31.6116% | 4,413 |
| Earnings coverage of net charge-offs (x) | -0.6136% | 5,258 |
| Efficiency ratio | 146.7717% | 111 |
| Assets per employee ($millions) | 3.1683% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5092% | 1,268 |
| Loan loss allowance to noncurrent loans | 160.0610% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 2.2725% | 2,463 |
| Noncurrent loans to loans | 1.5677% | 3,559 |
| Net loans and leases to total assets | 53.6507% | 4,857 |
| Net loans and leases to deposits | 59.5893% | 5,278 |
| Net loans and leases to core deposits | 66.0001% | 5,003 |
| Total domestic deposits to total assets | 90.0342% | 904 |
| Equity capital to assets | 9.6423% | 4,847 |
| Core capital (leverage) ratio | 8.8625% | 5,108 |
| Tier 1 risk-based capital ratio | 15.9237% | 3,199 |
| Total risk-based capital ratio | 17.1894% | 3,157 |
| Memoranda: | ||
| Average total assets | $40,173,670 | 6,625 |
| Average earning assets | $38,212,330 | 6,546 |
| Average equity | $3,916,000 | 6,708 |
| Average total loans | $22,484,330 | 6,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 5,738 |
| Cost of funding earning assets | 1.2103% | 938 |
| Net interest margin | 2.7970% | 6,644 |
| Noninterest income to average assets | 0.4461% | 4,319 |
| Noninterest expense to average assets | 4.6836% | 464 |
| Loan and lease loss provision to assets | 0.1648% | 3,328 |
| Net operating income to assets | -1.7357% | 7,131 |
| Return on assets (ROA) | -1.7357% | 7,136 |
| Pretax return on assets | -1.7357% | 7,111 |
| Return on Equity (ROE) | -17.7184% | 7,086 |
| Retained earnings to average equity (ytd only) | -17.7184% | 7,013 |
| Net charge-offs to loans | 4.7453% | 108 |
| Credit loss provision to net charge-offs | 6.1594% | 3,942 |
| Earnings coverage of net charge-offs (x) | -0.5870% | 4,516 |
| Efficiency ratio | 150.4673% | 101 |
| Assets per employee ($millions) | 2.8934% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6678% | 1,158 |
| Loan loss allowance to noncurrent loans | 64.4013% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 2.8119% | 2,087 |
| Noncurrent loans to loans | 4.1425% | 1,461 |
| Net loans and leases to total assets | 53.7710% | 4,760 |
| Net loans and leases to deposits | 59.8083% | 5,174 |
| Net loans and leases to core deposits | 68.4335% | 4,638 |
| Total domestic deposits to total assets | 89.9054% | 1,138 |
| Equity capital to assets | 9.7391% | 4,469 |
| Core capital (leverage) ratio | 9.2990% | 4,369 |
| Tier 1 risk-based capital ratio | 16.2047% | 3,070 |
| Total risk-based capital ratio | 17.4730% | 3,018 |
| Memoranda: | ||
| Average total assets | $41,250,500 | 6,635 |
| Average earning assets | $39,328,000 | 6,549 |
| Average equity | $4,041,000 | 6,706 |
| Average total loans | $23,265,000 | 6,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 6,309 |
| Cost of funding earning assets | 1.7963% | 214 |
| Net interest margin | 2.2814% | 7,149 |
| Noninterest income to average assets | 0.3456% | 5,040 |
| Noninterest expense to average assets | 5.3998% | 278 |
| Loan and lease loss provision to assets | -0.2052% | 7,304 |
| Net operating income to assets | -2.6956% | 7,139 |
| Return on assets (ROA) | -2.6956% | 7,147 |
| Pretax return on assets | -2.6956% | 7,148 |
| Return on Equity (ROE) | -26.4799% | 7,063 |
| Retained earnings to average equity (ytd only) | -26.4799% | 7,053 |
| Net charge-offs to loans | -0.0789% | 7,109 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.9862% | 68 |
| Assets per employee ($millions) | 2.7996% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5442% | 518 |
| Loan loss allowance to noncurrent loans | 109.4629% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 2.3670% | 2,561 |
| Noncurrent loans to loans | 3.2378% | 1,997 |
| Net loans and leases to total assets | 55.4746% | 4,801 |
| Net loans and leases to deposits | 61.7898% | 5,273 |
| Net loans and leases to core deposits | 67.8511% | 5,046 |
| Total domestic deposits to total assets | 89.7795% | 1,115 |
| Equity capital to assets | 9.8514% | 4,369 |
| Core capital (leverage) ratio | 9.2180% | 4,441 |
| Tier 1 risk-based capital ratio | 15.4809% | 3,335 |
| Total risk-based capital ratio | 16.7759% | 3,258 |
| Memoranda: | ||
| Average total assets | $46,297,600 | 6,473 |
| Average earning assets | $43,701,200 | 6,396 |
| Average equity | $4,713,000 | 6,529 |
| Average total loans | $24,070,400 | 6,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 6,505 |
| Cost of funding earning assets | 1.8872% | 186 |
| Net interest margin | 2.1623% | 7,265 |
| Noninterest income to average assets | 0.3377% | 5,151 |
| Noninterest expense to average assets | 4.8493% | 422 |
| Loan and lease loss provision to assets | -0.2674% | 7,394 |
| Net operating income to assets | -2.2093% | 7,177 |
| Return on assets (ROA) | -2.2093% | 7,183 |
| Pretax return on assets | -2.2093% | 7,164 |
| Return on Equity (ROE) | -21.5491% | 7,112 |
| Retained earnings to average equity (ytd only) | -21.5491% | 7,099 |
| Net charge-offs to loans | -0.0333% | 6,982 |
| Credit loss provision to net charge-offs | 1,583.3333% | 174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.3891% | 46 |
| Assets per employee ($millions) | 2.7778% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5868% | 528 |
| Loan loss allowance to noncurrent loans | 104.9813% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 2.2837% | 2,803 |
| Noncurrent loans to loans | 3.4166% | 2,014 |
| Net loans and leases to total assets | 50.9844% | 5,582 |
| Net loans and leases to deposits | 57.3773% | 5,905 |
| Net loans and leases to core deposits | 66.5277% | 5,360 |
| Total domestic deposits to total assets | 88.8581% | 1,513 |
| Equity capital to assets | 10.4444% | 3,776 |
| Core capital (leverage) ratio | 8.9874% | 4,954 |
| Tier 1 risk-based capital ratio | 16.1587% | 3,031 |
| Total risk-based capital ratio | 17.4362% | 2,983 |
| Memoranda: | ||
| Average total assets | $47,373,500 | 6,503 |
| Average earning assets | $44,580,500 | 6,434 |
| Average equity | $4,857,000 | 6,544 |
| Average total loans | $24,050,000 | 6,531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 6,702 |
| Cost of funding earning assets | 1.9414% | 176 |
| Net interest margin | 2.0338% | 7,361 |
| Noninterest income to average assets | 0.3682% | 4,931 |
| Noninterest expense to average assets | 5.1334% | 333 |
| Loan and lease loss provision to assets | -0.3930% | 7,473 |
| Net operating income to assets | -2.3620% | 7,250 |
| Return on assets (ROA) | -2.3620% | 7,253 |
| Pretax return on assets | -2.4612% | 7,245 |
| Return on Equity (ROE) | -23.1706% | 7,180 |
| Retained earnings to average equity (ytd only) | -23.1706% | 7,168 |
| Net charge-offs to loans | -0.2146% | 7,296 |
| Credit loss provision to net charge-offs | 365.3846% | 836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.2269% | 43 |
| Assets per employee ($millions) | 2.8976% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3739% | 661 |
| Loan loss allowance to noncurrent loans | 103.3533% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 2,722 |
| Noncurrent loans to loans | 3.2644% | 2,189 |
| Net loans and leases to total assets | 53.3121% | 5,385 |
| Net loans and leases to deposits | 59.9277% | 5,730 |
| Net loans and leases to core deposits | 69.4894% | 5,125 |
| Total domestic deposits to total assets | 88.9605% | 1,558 |
| Equity capital to assets | 10.3837% | 3,654 |
| Core capital (leverage) ratio | 9.0117% | 4,701 |
| Tier 1 risk-based capital ratio | 16.4080% | 2,787 |
| Total risk-based capital ratio | 17.6859% | 2,736 |
| Memoranda: | ||
| Average total assets | $48,349,670 | 6,528 |
| Average earning assets | $45,432,000 | 6,459 |
| Average equity | $4,928,670 | 6,560 |
| Average total loans | $24,232,330 | 6,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 6,824 |
| Cost of funding earning assets | 2.0109% | 159 |
| Net interest margin | 1.8895% | 7,431 |
| Noninterest income to average assets | 0.3405% | 5,185 |
| Noninterest expense to average assets | 4.8881% | 402 |
| Loan and lease loss provision to assets | 0.3648% | 2,374 |
| Net operating income to assets | -3.1453% | 7,404 |
| Return on assets (ROA) | -3.1453% | 7,407 |
| Pretax return on assets | -3.1453% | 7,389 |
| Return on Equity (ROE) | -31.1272% | 7,328 |
| Retained earnings to average equity (ytd only) | -31.1272% | 7,302 |
| Net charge-offs to loans | -0.0679% | 6,980 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.9231% | 48 |
| Assets per employee ($millions) | 3.0182% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5356% | 280 |
| Loan loss allowance to noncurrent loans | 113.8051% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 3.4106% | 1,997 |
| Noncurrent loans to loans | 3.9854% | 1,826 |
| Net loans and leases to total assets | 42.7574% | 6,560 |
| Net loans and leases to deposits | 47.7576% | 6,765 |
| Net loans and leases to core deposits | 54.9734% | 6,487 |
| Total domestic deposits to total assets | 89.5301% | 1,466 |
| Equity capital to assets | 9.8838% | 3,920 |
| Core capital (leverage) ratio | 9.0012% | 4,613 |
| Tier 1 risk-based capital ratio | 18.5505% | 1,945 |
| Total risk-based capital ratio | 19.8410% | 1,882 |
| Memoranda: | ||
| Average total assets | $49,344,000 | 6,549 |
| Average earning assets | $46,149,500 | 6,482 |
| Average equity | $4,986,000 | 6,567 |
| Average total loans | $23,559,000 | 6,664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 7,055 |
| Cost of funding earning assets | 2.6927% | 61 |
| Net interest margin | 1.3983% | 7,557 |
| Noninterest income to average assets | 0.3799% | 5,062 |
| Noninterest expense to average assets | 4.7333% | 531 |
| Loan and lease loss provision to assets | 0.9983% | 1,627 |
| Net operating income to assets | -4.0672% | 7,443 |
| Return on assets (ROA) | -4.0672% | 7,454 |
| Pretax return on assets | -4.0672% | 7,445 |
| Return on Equity (ROE) | -38.1467% | 7,327 |
| Retained earnings to average equity (ytd only) | -38.1467% | 7,319 |
| Net charge-offs to loans | 3.7000% | 368 |
| Credit loss provision to net charge-offs | 61.6812% | 6,056 |
| Earnings coverage of net charge-offs (x) | -1.8963% | 6,700 |
| Efficiency ratio | 284.3949% | 31 |
| Assets per employee ($millions) | 3.1498% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6565% | 523 |
| Loan loss allowance to noncurrent loans | 60.5588% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 4.6610% | 1,418 |
| Noncurrent loans to loans | 6.0379% | 1,033 |
| Net loans and leases to total assets | 48.7271% | 6,304 |
| Net loans and leases to deposits | 55.4810% | 6,481 |
| Net loans and leases to core deposits | 63.1935% | 6,128 |
| Total domestic deposits to total assets | 87.8267% | 2,354 |
| Equity capital to assets | 10.3161% | 3,373 |
| Core capital (leverage) ratio | 9.0173% | 4,515 |
| Tier 1 risk-based capital ratio | 16.7812% | 2,435 |
| Total risk-based capital ratio | 18.0449% | 2,394 |
| Memoranda: | ||
| Average total assets | $56,598,800 | 6,326 |
| Average earning assets | $51,992,600 | 6,288 |
| Average equity | $6,034,600 | 6,349 |
| Average total loans | $24,757,000 | 6,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 7,261 |
| Cost of funding earning assets | 2.7883% | 52 |
| Net interest margin | 1.2512% | 7,691 |
| Noninterest income to average assets | 0.4173% | 4,814 |
| Noninterest expense to average assets | 4.8747% | 414 |
| Loan and lease loss provision to assets | 1.1579% | 1,250 |
| Net operating income to assets | -4.4711% | 7,609 |
| Return on assets (ROA) | -4.4711% | 7,621 |
| Pretax return on assets | -4.4711% | 7,603 |
| Return on Equity (ROE) | -41.6423% | 7,512 |
| Retained earnings to average equity (ytd only) | -41.6423% | 7,510 |
| Net charge-offs to loans | 5.0133% | 173 |
| Credit loss provision to net charge-offs | 54.6537% | 5,809 |
| Earnings coverage of net charge-offs (x) | -1.5639% | 6,511 |
| Efficiency ratio | 312.1880% | 25 |
| Assets per employee ($millions) | 3.4019% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2463% | 672 |
| Loan loss allowance to noncurrent loans | 62.0690% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 4.5213% | 1,497 |
| Noncurrent loans to loans | 5.2301% | 1,301 |
| Net loans and leases to total assets | 47.3094% | 6,578 |
| Net loans and leases to deposits | 53.7667% | 6,781 |
| Net loans and leases to core deposits | 70.0288% | 5,748 |
| Total domestic deposits to total assets | 87.9903% | 1,966 |
| Equity capital to assets | 10.1174% | 3,995 |
| Core capital (leverage) ratio | 9.0481% | 4,608 |
| Tier 1 risk-based capital ratio | 16.6168% | 2,505 |
| Total risk-based capital ratio | 17.8075% | 2,491 |
| Memoranda: | ||
| Average total assets | $58,149,250 | 6,347 |
| Average earning assets | $53,173,500 | 6,323 |
| Average equity | $6,243,500 | 6,380 |
| Average total loans | $24,574,000 | 6,787 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 7,405 |
| Cost of funding earning assets | 2.7365% | 79 |
| Net interest margin | 1.1998% | 7,767 |
| Noninterest income to average assets | 0.2155% | 6,381 |
| Noninterest expense to average assets | 5.1087% | 351 |
| Loan and lease loss provision to assets | 1.2124% | 1,155 |
| Net operating income to assets | -5.0144% | 7,698 |
| Return on assets (ROA) | -5.0144% | 7,700 |
| Pretax return on assets | -5.0144% | 7,681 |
| Return on Equity (ROE) | -45.8930% | 7,582 |
| Retained earnings to average equity (ytd only) | -45.8930% | 7,577 |
| Net charge-offs to loans | 3.7667% | 369 |
| Credit loss provision to net charge-offs | 80.0000% | 4,703 |
| Earnings coverage of net charge-offs (x) | -2.5089% | 6,239 |
| Efficiency ratio | 390.9794% | 23 |
| Assets per employee ($millions) | 3.3689% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4540% | 265 |
| Loan loss allowance to noncurrent loans | 52.7876% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 6.3697% | 892 |
| Noncurrent loans to loans | 8.4376% | 596 |
| Net loans and leases to total assets | 44.6858% | 6,870 |
| Net loans and leases to deposits | 51.7460% | 6,993 |
| Net loans and leases to core deposits | 59.7386% | 6,727 |
| Total domestic deposits to total assets | 86.3561% | 2,900 |
| Equity capital to assets | 9.9893% | 4,037 |
| Core capital (leverage) ratio | 9.0439% | 4,536 |
| Tier 1 risk-based capital ratio | 16.3096% | 2,549 |
| Total risk-based capital ratio | 17.5913% | 2,481 |
| Memoranda: | ||
| Average total assets | $59,388,670 | 6,332 |
| Average earning assets | $54,010,330 | 6,322 |
| Average equity | $6,489,000 | 6,303 |
| Average total loans | $23,893,670 | 6,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 7,574 |
| Cost of funding earning assets | 2.8128% | 82 |
| Net interest margin | 1.0135% | 7,875 |
| Noninterest income to average assets | 0.1588% | 6,832 |
| Noninterest expense to average assets | 3.9770% | 1,064 |
| Loan and lease loss provision to assets | 1.1911% | 1,024 |
| Net operating income to assets | -4.0961% | 7,721 |
| Return on assets (ROA) | -4.0961% | 7,724 |
| Pretax return on assets | -4.0961% | 7,697 |
| Return on Equity (ROE) | -36.0250% | 7,624 |
| Retained earnings to average equity (ytd only) | -36.0250% | 7,606 |
| Net charge-offs to loans | 4.6329% | 273 |
| Credit loss provision to net charge-offs | 69.2308% | 4,117 |
| Earnings coverage of net charge-offs (x) | -1.6885% | 5,444 |
| Efficiency ratio | 370.9877% | 29 |
| Assets per employee ($millions) | 3.7372% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4277% | 132 |
| Loan loss allowance to noncurrent loans | 45.3620% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 7.2080% | 735 |
| Noncurrent loans to loans | 11.9653% | 293 |
| Net loans and leases to total assets | 35.0548% | 7,461 |
| Net loans and leases to deposits | 40.3337% | 7,513 |
| Net loans and leases to core deposits | 46.4705% | 7,416 |
| Total domestic deposits to total assets | 86.9119% | 2,674 |
| Equity capital to assets | 10.9625% | 2,798 |
| Core capital (leverage) ratio | 10.1604% | 2,970 |
| Tier 1 risk-based capital ratio | 20.6022% | 1,407 |
| Total risk-based capital ratio | 21.8869% | 1,377 |
| Memoranda: | ||
| Average total assets | $60,447,500 | 6,357 |
| Average earning assets | $54,465,500 | 6,380 |
| Average equity | $6,873,000 | 6,235 |
| Average total loans | $22,448,000 | 7,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 7,450 |
| Cost of funding earning assets | 3.3653% | 74 |
| Net interest margin | 1.0664% | 7,925 |
| Noninterest income to average assets | -0.3043% | 7,897 |
| Noninterest expense to average assets | 5.3187% | 432 |
| Loan and lease loss provision to assets | 3.4105% | 463 |
| Net operating income to assets | -6.4444% | 7,859 |
| Return on assets (ROA) | -6.4444% | 7,851 |
| Pretax return on assets | -8.0569% | 7,916 |
| Return on Equity (ROE) | -61.4721% | 7,761 |
| Retained earnings to average equity (ytd only) | -61.4721% | 7,758 |
| Net charge-offs to loans | 8.8717% | 53 |
| Credit loss provision to net charge-offs | 96.5150% | 5,756 |
| Earnings coverage of net charge-offs (x) | -1.3149% | 6,930 |
| Efficiency ratio | 791.1638% | 20 |
| Assets per employee ($millions) | 3.8188% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6440% | 121 |
| Loan loss allowance to noncurrent loans | 48.6907% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 6.7169% | 781 |
| Noncurrent loans to loans | 11.5916% | 302 |
| Net loans and leases to total assets | 35.1047% | 7,558 |
| Net loans and leases to deposits | 40.7566% | 7,601 |
| Net loans and leases to core deposits | 51.5626% | 7,543 |
| Total domestic deposits to total assets | 86.1326% | 2,944 |
| Equity capital to assets | 11.7692% | 2,156 |
| Core capital (leverage) ratio | 11.0377% | 2,206 |
| Tier 1 risk-based capital ratio | 22.3838% | 1,112 |
| Total risk-based capital ratio | 23.6705% | 1,083 |
| Memoranda: | ||
| Average total assets | $69,021,200 | 6,036 |
| Average earning assets | $63,204,000 | 6,026 |
| Average equity | $7,235,800 | 6,193 |
| Average total loans | $27,491,800 | 6,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 7,608 |
| Cost of funding earning assets | 3.4812% | 75 |
| Net interest margin | 0.9183% | 8,028 |
| Noninterest income to average assets | -0.4544% | 8,036 |
| Noninterest expense to average assets | 5.6786% | 350 |
| Loan and lease loss provision to assets | 4.1951% | 263 |
| Net operating income to assets | -9.4024% | 8,037 |
| Return on assets (ROA) | -9.4024% | 8,035 |
| Pretax return on assets | -9.4831% | 8,034 |
| Return on Equity (ROE) | -92.1185% | 7,995 |
| Retained earnings to average equity (ytd only) | -92.1185% | 7,994 |
| Net charge-offs to loans | 11.7238% | 32 |
| Credit loss provision to net charge-offs | 88.5805% | 5,520 |
| Earnings coverage of net charge-offs (x) | -1.1166% | 6,649 |
| Efficiency ratio | 1,453.8462% | 9 |
| Assets per employee ($millions) | 3.7826% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4008% | 224 |
| Loan loss allowance to noncurrent loans | 27.6356% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 7.8019% | 560 |
| Noncurrent loans to loans | 15.9244% | 124 |
| Net loans and leases to total assets | 36.4839% | 7,604 |
| Net loans and leases to deposits | 41.7114% | 7,682 |
| Net loans and leases to core deposits | 50.3747% | 7,677 |
| Total domestic deposits to total assets | 87.4675% | 1,908 |
| Equity capital to assets | 10.3911% | 3,627 |
| Core capital (leverage) ratio | 9.2302% | 4,293 |
| Tier 1 risk-based capital ratio | 19.8798% | 1,582 |
| Total risk-based capital ratio | 20.9159% | 1,582 |
| Memoranda: | ||
| Average total assets | $71,001,500 | 6,012 |
| Average earning assets | $65,339,250 | 5,988 |
| Average equity | $7,247,000 | 6,245 |
| Average total loans | $28,681,750 | 6,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 7,558 |
| Cost of funding earning assets | 3.5723% | 84 |
| Net interest margin | 1.0049% | 8,101 |
| Noninterest income to average assets | 0.0792% | 7,588 |
| Noninterest expense to average assets | 4.8557% | 575 |
| Loan and lease loss provision to assets | 4.7710% | 228 |
| Net operating income to assets | -8.5097% | 8,087 |
| Return on assets (ROA) | -8.5097% | 8,081 |
| Pretax return on assets | -8.6272% | 8,066 |
| Return on Equity (ROE) | -83.8161% | 8,047 |
| Retained earnings to average equity (ytd only) | -83.8161% | 8,046 |
| Net charge-offs to loans | 9.5802% | 62 |
| Credit loss provision to net charge-offs | 121.3194% | 3,824 |
| Earnings coverage of net charge-offs (x) | -0.9806% | 6,224 |
| Efficiency ratio | 485.7923% | 41 |
| Assets per employee ($millions) | 3.4353% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3134% | 69 |
| Loan loss allowance to noncurrent loans | 41.9799% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 10.1259% | 283 |
| Noncurrent loans to loans | 15.0390% | 132 |
| Net loans and leases to total assets | 36.1779% | 7,699 |
| Net loans and leases to deposits | 41.1469% | 7,786 |
| Net loans and leases to core deposits | 50.2741% | 7,758 |
| Total domestic deposits to total assets | 87.9237% | 1,807 |
| Equity capital to assets | 10.0429% | 3,879 |
| Core capital (leverage) ratio | 9.2894% | 4,179 |
| Tier 1 risk-based capital ratio | 19.5451% | 1,667 |
| Total risk-based capital ratio | 20.8427% | 1,617 |
| Memoranda: | ||
| Average total assets | $73,233,670 | 5,994 |
| Average earning assets | $67,071,330 | 5,977 |
| Average equity | $7,435,330 | 6,205 |
| Average total loans | $30,062,000 | 6,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 7,573 |
| Cost of funding earning assets | 3.6107% | 110 |
| Net interest margin | 1.0382% | 8,157 |
| Noninterest income to average assets | -0.0583% | 8,115 |
| Noninterest expense to average assets | 3.7617% | 1,544 |
| Loan and lease loss provision to assets | 2.5749% | 443 |
| Net operating income to assets | -5.1021% | 8,043 |
| Return on assets (ROA) | -5.1021% | 8,035 |
| Pretax return on assets | -5.4412% | 8,016 |
| Return on Equity (ROE) | -50.0065% | 8,046 |
| Retained earnings to average equity (ytd only) | -50.0065% | 8,029 |
| Net charge-offs to loans | 5.8817% | 163 |
| Credit loss provision to net charge-offs | 103.8462% | 3,629 |
| Earnings coverage of net charge-offs (x) | -1.1560% | 5,395 |
| Efficiency ratio | 420.1183% | 52 |
| Assets per employee ($millions) | 3.6452% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4821% | 150 |
| Loan loss allowance to noncurrent loans | 19.4554% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 11.9350% | 147 |
| Noncurrent loans to loans | 23.0379% | 31 |
| Net loans and leases to total assets | 40.5155% | 7,540 |
| Net loans and leases to deposits | 46.5927% | 7,643 |
| Net loans and leases to core deposits | 56.2695% | 7,605 |
| Total domestic deposits to total assets | 86.9566% | 2,239 |
| Equity capital to assets | 10.2232% | 3,743 |
| Core capital (leverage) ratio | 9.2014% | 4,395 |
| Tier 1 risk-based capital ratio | 18.8854% | 1,837 |
| Total risk-based capital ratio | 20.1657% | 1,788 |
| Memoranda: | ||
| Average total assets | $75,498,000 | 5,961 |
| Average earning assets | $69,349,500 | 5,933 |
| Average equity | $7,703,000 | 6,158 |
| Average total loans | $31,827,500 | 6,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8023% | 6,415 |
| Cost of funding earning assets | 3.8384% | 177 |
| Net interest margin | 1.9639% | 8,085 |
| Noninterest income to average assets | -0.4087% | 8,261 |
| Noninterest expense to average assets | 2.7447% | 5,070 |
| Loan and lease loss provision to assets | 2.2455% | 508 |
| Net operating income to assets | -2.6337% | 7,743 |
| Return on assets (ROA) | -2.4346% | 7,661 |
| Pretax return on assets | -3.3002% | 7,780 |
| Return on Equity (ROE) | -23.1739% | 7,832 |
| Retained earnings to average equity (ytd only) | -23.1739% | 7,766 |
| Net charge-offs to loans | 2.8273% | 325 |
| Credit loss provision to net charge-offs | 183.8462% | 2,706 |
| Earnings coverage of net charge-offs (x) | -1.0837% | 6,605 |
| Efficiency ratio | 193.1405% | 209 |
| Assets per employee ($millions) | 3.9047% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1794% | 164 |
| Loan loss allowance to noncurrent loans | 19.8232% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 11.5542% | 111 |
| Noncurrent loans to loans | 21.0833% | 31 |
| Net loans and leases to total assets | 40.1624% | 7,664 |
| Net loans and leases to deposits | 45.9829% | 7,780 |
| Net loans and leases to core deposits | 54.7872% | 7,774 |
| Total domestic deposits to total assets | 87.3420% | 1,781 |
| Equity capital to assets | 10.1840% | 3,823 |
| Core capital (leverage) ratio | 9.2781% | 4,328 |
| Tier 1 risk-based capital ratio | 18.6097% | 1,892 |
| Total risk-based capital ratio | 19.8608% | 1,843 |
| Memoranda: | ||
| Average total assets | $85,146,200 | 5,512 |
| Average earning assets | $79,330,000 | 5,455 |
| Average equity | $8,945,400 | 5,754 |
| Average total loans | $36,784,400 | 6,329 |