Home > Northwest Commercial Bank > Performance and Condition Ratios
Northwest Commercial 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 | 5.3001% | 929 |
| Cost of funding earning assets | 0.7204% | 3,323 |
| Net interest margin | 4.5797% | 812 |
| Noninterest income to average assets | 0.0797% | 6,585 |
| Noninterest expense to average assets | 3.6712% | 1,467 |
| Loan and lease loss provision to assets | 0.5137% | 1,142 |
| Net operating income to assets | 0.0069% | 6,152 |
| Return on assets (ROA) | 0.0069% | 6,295 |
| Pretax return on assets | 0.0069% | 6,274 |
| Return on Equity (ROE) | 0.0593% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.0593% | 5,803 |
| Net charge-offs to loans | 0.8183% | 1,429 |
| Credit loss provision to net charge-offs | 82.7434% | 3,737 |
| Earnings coverage of net charge-offs (x) | 0.8385% | 5,060 |
| Efficiency ratio | 87.5819% | 1,275 |
| Assets per employee ($millions) | 3.6507% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 3,194 |
| Loan loss allowance to noncurrent loans | 142.9467% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 6.0796% | 562 |
| Noncurrent loans to loans | 1.1384% | 3,944 |
| Net loans and leases to total assets | 79.4862% | 519 |
| Net loans and leases to deposits | 91.9130% | 917 |
| Net loans and leases to core deposits | 97.8056% | 1,157 |
| Total domestic deposits to total assets | 86.4798% | 3,107 |
| Equity capital to assets | 12.2645% | 1,882 |
| Core capital (leverage) ratio | 11.4472% | 1,912 |
| Tier 1 risk-based capital ratio | 13.6552% | 4,637 |
| Total risk-based capital ratio | 14.9044% | 4,584 |
| Memoranda: | ||
| Average total assets | $72,810,400 | 5,556 |
| Average earning assets | $65,376,000 | 5,575 |
| Average equity | $8,426,400 | 5,381 |
| Average total loans | $55,237,400 | 4,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 1,143 |
| Cost of funding earning assets | 0.7643% | 3,234 |
| Net interest margin | 4.4608% | 1,072 |
| Noninterest income to average assets | 0.2190% | 5,978 |
| Noninterest expense to average assets | 3.6195% | 1,525 |
| Loan and lease loss provision to assets | 0.5773% | 992 |
| Net operating income to assets | 0.0253% | 6,246 |
| Return on assets (ROA) | 0.0253% | 6,380 |
| Pretax return on assets | 0.0253% | 6,368 |
| Return on Equity (ROE) | 0.2221% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.2221% | 6,012 |
| Net charge-offs to loans | 1.0829% | 954 |
| Credit loss provision to net charge-offs | 71.3647% | 3,872 |
| Earnings coverage of net charge-offs (x) | 0.7450% | 4,956 |
| Efficiency ratio | 85.7265% | 1,405 |
| Assets per employee ($millions) | 3.7666% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,912 |
| Loan loss allowance to noncurrent loans | 142.2442% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 5.8820% | 694 |
| Noncurrent loans to loans | 1.0612% | 4,314 |
| Net loans and leases to total assets | 74.6628% | 1,153 |
| Net loans and leases to deposits | 84.8930% | 1,749 |
| Net loans and leases to core deposits | 91.7731% | 1,803 |
| Total domestic deposits to total assets | 87.9493% | 2,073 |
| Equity capital to assets | 11.3113% | 2,923 |
| Core capital (leverage) ratio | 11.1833% | 2,221 |
| Tier 1 risk-based capital ratio | 13.2745% | 5,040 |
| Total risk-based capital ratio | 14.5248% | 5,004 |
| Memoranda: | ||
| Average total assets | $73,672,250 | 5,583 |
| Average earning assets | $66,115,750 | 5,613 |
| Average equity | $8,406,250 | 5,438 |
| Average total loans | $55,035,250 | 4,949 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 1,184 |
| Cost of funding earning assets | 0.8299% | 2,953 |
| Net interest margin | 4.3995% | 1,198 |
| Noninterest income to average assets | 0.1805% | 6,273 |
| Noninterest expense to average assets | 3.6926% | 1,387 |
| Loan and lease loss provision to assets | 0.7194% | 740 |
| Net operating income to assets | -0.2872% | 6,607 |
| Return on assets (ROA) | -0.2872% | 6,668 |
| Pretax return on assets | -0.2872% | 6,632 |
| Return on Equity (ROE) | -2.5096% | 6,647 |
| Retained earnings to average equity (ytd only) | -2.5096% | 6,412 |
| Net charge-offs to loans | 1.6451% | 566 |
| Credit loss provision to net charge-offs | 58.8367% | 3,830 |
| Earnings coverage of net charge-offs (x) | 0.3535% | 4,902 |
| Efficiency ratio | 89.5225% | 1,112 |
| Assets per employee ($millions) | 4.0085% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,875 |
| Loan loss allowance to noncurrent loans | 63.1167% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 7.7474% | 458 |
| Noncurrent loans to loans | 2.4233% | 2,478 |
| Net loans and leases to total assets | 71.9180% | 1,569 |
| Net loans and leases to deposits | 82.0982% | 2,097 |
| Net loans and leases to core deposits | 89.0970% | 2,086 |
| Total domestic deposits to total assets | 87.6000% | 2,398 |
| Equity capital to assets | 11.6045% | 2,485 |
| Core capital (leverage) ratio | 11.3679% | 1,991 |
| Tier 1 risk-based capital ratio | 13.9782% | 4,464 |
| Total risk-based capital ratio | 15.2280% | 4,433 |
| Memoranda: | ||
| Average total assets | $73,119,000 | 5,633 |
| Average earning assets | $65,552,330 | 5,659 |
| Average equity | $8,368,000 | 5,453 |
| Average total loans | $54,344,670 | 5,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,146 |
| Cost of funding earning assets | 0.8857% | 2,796 |
| Net interest margin | 4.3926% | 1,244 |
| Noninterest income to average assets | 0.1033% | 6,728 |
| Noninterest expense to average assets | 4.1684% | 769 |
| Loan and lease loss provision to assets | 0.5706% | 1,016 |
| Net operating income to assets | -0.6739% | 6,900 |
| Return on assets (ROA) | -0.6739% | 6,923 |
| Pretax return on assets | -0.6739% | 6,892 |
| Return on Equity (ROE) | -5.9291% | 6,882 |
| Retained earnings to average equity (ytd only) | -5.9291% | 6,650 |
| Net charge-offs to loans | 0.5728% | 1,656 |
| Credit loss provision to net charge-offs | 132.9114% | 1,837 |
| Earnings coverage of net charge-offs (x) | -0.2405% | 4,453 |
| Efficiency ratio | 102.5401% | 484 |
| Assets per employee ($millions) | 4.0063% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 2,725 |
| Loan loss allowance to noncurrent loans | 70.5066% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 8.0513% | 471 |
| Noncurrent loans to loans | 2.6748% | 2,436 |
| Net loans and leases to total assets | 73.2989% | 1,172 |
| Net loans and leases to deposits | 83.6559% | 1,707 |
| Net loans and leases to core deposits | 91.5829% | 1,690 |
| Total domestic deposits to total assets | 87.6194% | 2,577 |
| Equity capital to assets | 11.5000% | 2,446 |
| Core capital (leverage) ratio | 10.8632% | 2,373 |
| Tier 1 risk-based capital ratio | 13.8470% | 4,576 |
| Total risk-based capital ratio | 15.0965% | 4,552 |
| Memoranda: | ||
| Average total assets | $73,602,000 | 5,661 |
| Average earning assets | $66,385,000 | 5,674 |
| Average equity | $8,365,500 | 5,481 |
| Average total loans | $55,168,500 | 5,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 1,474 |
| Cost of funding earning assets | 1.0923% | 2,722 |
| Net interest margin | 4.2856% | 1,747 |
| Noninterest income to average assets | 0.0289% | 6,907 |
| Noninterest expense to average assets | 3.1500% | 3,028 |
| Loan and lease loss provision to assets | 1.0391% | 904 |
| Net operating income to assets | -0.1915% | 6,251 |
| Return on assets (ROA) | -0.1915% | 6,318 |
| Pretax return on assets | -0.1915% | 6,280 |
| Return on Equity (ROE) | -1.7258% | 6,314 |
| Retained earnings to average equity (ytd only) | -2.6833% | 6,235 |
| Net charge-offs to loans | 1.6207% | 967 |
| Credit loss provision to net charge-offs | 80.5697% | 4,421 |
| Earnings coverage of net charge-offs (x) | 0.6572% | 5,328 |
| Efficiency ratio | 78.7988% | 2,485 |
| Assets per employee ($millions) | 4.1717% | 3,510 |
| Cash dividends to net income (ytd only)* | -55.4795% | 7,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 3,010 |
| Loan loss allowance to noncurrent loans | 29.0152% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 7.7160% | 549 |
| Noncurrent loans to loans | 6.0429% | 817 |
| Net loans and leases to total assets | 73.8744% | 1,294 |
| Net loans and leases to deposits | 83.9889% | 1,924 |
| Net loans and leases to core deposits | 93.2947% | 1,769 |
| Total domestic deposits to total assets | 87.9573% | 2,194 |
| Equity capital to assets | 11.2370% | 2,751 |
| Core capital (leverage) ratio | 10.6600% | 2,557 |
| Tier 1 risk-based capital ratio | 14.0011% | 4,325 |
| Total risk-based capital ratio | 15.2506% | 4,282 |
| Memoranda: | ||
| Average total assets | $76,221,200 | 5,558 |
| Average earning assets | $70,584,800 | 5,518 |
| Average equity | $8,459,800 | 5,415 |
| Average total loans | $60,652,000 | 4,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 1,630 |
| Cost of funding earning assets | 1.1289% | 2,773 |
| Net interest margin | 4.2359% | 1,965 |
| Noninterest income to average assets | 0.2109% | 6,108 |
| Noninterest expense to average assets | 3.6268% | 1,655 |
| Loan and lease loss provision to assets | 0.7006% | 1,374 |
| Net operating income to assets | -0.1865% | 6,371 |
| Return on assets (ROA) | -0.1865% | 6,452 |
| Pretax return on assets | -0.1865% | 6,400 |
| Return on Equity (ROE) | -1.6852% | 6,450 |
| Retained earnings to average equity (ytd only) | -2.9610% | 6,415 |
| Net charge-offs to loans | 0.6008% | 2,460 |
| Credit loss provision to net charge-offs | 144.6043% | 2,192 |
| Earnings coverage of net charge-offs (x) | 1.0611% | 4,835 |
| Efficiency ratio | 87.5842% | 1,379 |
| Assets per employee ($millions) | 4.0161% | 3,811 |
| Cash dividends to net income (ytd only)* | -75.7045% | 7,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 1,841 |
| Loan loss allowance to noncurrent loans | 28.1918% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 7.9273% | 560 |
| Noncurrent loans to loans | 7.8351% | 575 |
| Net loans and leases to total assets | 75.7149% | 1,018 |
| Net loans and leases to deposits | 85.8661% | 1,704 |
| Net loans and leases to core deposits | 96.2949% | 1,576 |
| Total domestic deposits to total assets | 88.1779% | 1,939 |
| Equity capital to assets | 11.0411% | 3,100 |
| Core capital (leverage) ratio | 10.8157% | 2,560 |
| Tier 1 risk-based capital ratio | 13.6965% | 4,576 |
| Total risk-based capital ratio | 14.9465% | 4,546 |
| Memoranda: | ||
| Average total assets | $76,503,750 | 5,594 |
| Average earning assets | $70,978,500 | 5,552 |
| Average equity | $8,465,250 | 5,442 |
| Average total loans | $61,699,250 | 4,841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 1,496 |
| Cost of funding earning assets | 1.1687% | 2,783 |
| Net interest margin | 4.2534% | 1,830 |
| Noninterest income to average assets | 0.2508% | 5,855 |
| Noninterest expense to average assets | 3.6464% | 1,632 |
| Loan and lease loss provision to assets | 0.2612% | 3,308 |
| Net operating income to assets | 0.2978% | 5,380 |
| Return on assets (ROA) | 0.2978% | 5,519 |
| Pretax return on assets | 0.2978% | 5,675 |
| Return on Equity (ROE) | 2.6891% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.4153% | 5,278 |
| Net charge-offs to loans | 0.5050% | 2,591 |
| Credit loss provision to net charge-offs | 63.2911% | 4,260 |
| Earnings coverage of net charge-offs (x) | 1.3544% | 4,268 |
| Efficiency ratio | 86.7081% | 1,532 |
| Assets per employee ($millions) | 3.8992% | 3,992 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 2,760 |
| Loan loss allowance to noncurrent loans | 28.0050% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 7.3875% | 662 |
| Noncurrent loans to loans | 6.6798% | 809 |
| Net loans and leases to total assets | 79.5154% | 584 |
| Net loans and leases to deposits | 90.7116% | 1,194 |
| Net loans and leases to core deposits | 102.1821% | 1,166 |
| Total domestic deposits to total assets | 87.6574% | 2,362 |
| Equity capital to assets | 11.5718% | 2,440 |
| Core capital (leverage) ratio | 11.2207% | 2,097 |
| Tier 1 risk-based capital ratio | 13.7753% | 4,322 |
| Total risk-based capital ratio | 15.0251% | 4,297 |
| Memoranda: | ||
| Average total assets | $76,569,670 | 5,635 |
| Average earning assets | $71,189,330 | 5,586 |
| Average equity | $8,478,670 | 5,462 |
| Average total loans | $62,572,330 | 4,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 1,773 |
| Cost of funding earning assets | 1.1807% | 2,942 |
| Net interest margin | 4.1517% | 2,074 |
| Noninterest income to average assets | 0.2262% | 6,108 |
| Noninterest expense to average assets | 3.4699% | 2,084 |
| Loan and lease loss provision to assets | 0.2056% | 3,586 |
| Net operating income to assets | 0.4370% | 4,775 |
| Return on assets (ROA) | 0.4370% | 4,856 |
| Pretax return on assets | 0.4370% | 5,226 |
| Return on Equity (ROE) | 4.0325% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,515 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3750% | 1,911 |
| Assets per employee ($millions) | 4.0763% | 3,685 |
| Cash dividends to net income (ytd only)* | 31.7647% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 2,576 |
| Loan loss allowance to noncurrent loans | 26.0452% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 6.5203% | 854 |
| Noncurrent loans to loans | 7.4331% | 701 |
| Net loans and leases to total assets | 79.8554% | 524 |
| Net loans and leases to deposits | 93.0815% | 909 |
| Net loans and leases to core deposits | 105.7068% | 953 |
| Total domestic deposits to total assets | 85.7908% | 3,641 |
| Equity capital to assets | 10.9425% | 2,747 |
| Core capital (leverage) ratio | 10.8114% | 2,345 |
| Tier 1 risk-based capital ratio | 13.3490% | 4,544 |
| Total risk-based capital ratio | 14.5995% | 4,527 |
| Memoranda: | ||
| Average total assets | $77,812,000 | 5,651 |
| Average earning assets | $72,837,500 | 5,576 |
| Average equity | $8,431,500 | 5,477 |
| Average total loans | $63,842,500 | 4,844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 587 |
| Cost of funding earning assets | 1.2754% | 4,050 |
| Net interest margin | 4.9089% | 539 |
| Noninterest income to average assets | 0.1585% | 6,591 |
| Noninterest expense to average assets | 4.7255% | 535 |
| Loan and lease loss provision to assets | 0.7345% | 2,235 |
| Net operating income to assets | -0.6862% | 6,505 |
| Return on assets (ROA) | -0.6862% | 6,545 |
| Pretax return on assets | -0.6862% | 6,450 |
| Return on Equity (ROE) | -5.6618% | 6,476 |
| Retained earnings to average equity (ytd only) | -6.8695% | 6,453 |
| Net charge-offs to loans | 0.8336% | 2,551 |
| Credit loss provision to net charge-offs | 103.5985% | 4,345 |
| Earnings coverage of net charge-offs (x) | 0.0682% | 6,052 |
| Efficiency ratio | 98.9873% | 820 |
| Assets per employee ($millions) | 3.9087% | 3,984 |
| Cash dividends to net income (ytd only)* | -21.3307% | 7,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,768 |
| Loan loss allowance to noncurrent loans | 36.1052% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 4.6473% | 1,427 |
| Noncurrent loans to loans | 5.0622% | 1,321 |
| Net loans and leases to total assets | 81.1459% | 526 |
| Net loans and leases to deposits | 94.2389% | 1,040 |
| Net loans and leases to core deposits | 106.8001% | 1,139 |
| Total domestic deposits to total assets | 86.1066% | 3,305 |
| Equity capital to assets | 10.7299% | 2,925 |
| Core capital (leverage) ratio | 11.0167% | 2,152 |
| Tier 1 risk-based capital ratio | 13.0943% | 4,525 |
| Total risk-based capital ratio | 14.3448% | 4,487 |
| Memoranda: | ||
| Average total assets | $74,468,800 | 5,754 |
| Average earning assets | $70,015,400 | 5,670 |
| Average equity | $9,025,400 | 5,417 |
| Average total loans | $63,336,400 | 4,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3495% | 460 |
| Cost of funding earning assets | 1.2907% | 4,281 |
| Net interest margin | 5.0588% | 386 |
| Noninterest income to average assets | 0.3970% | 4,981 |
| Noninterest expense to average assets | 3.8018% | 1,371 |
| Loan and lease loss provision to assets | 0.8612% | 1,768 |
| Net operating income to assets | 0.4877% | 4,374 |
| Return on assets (ROA) | 0.4877% | 4,571 |
| Pretax return on assets | 0.4877% | 4,969 |
| Return on Equity (ROE) | 3.9050% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.4678% | 4,695 |
| Net charge-offs to loans | 0.4528% | 3,489 |
| Credit loss provision to net charge-offs | 221.9626% | 1,556 |
| Earnings coverage of net charge-offs (x) | 3.4766% | 3,434 |
| Efficiency ratio | 73.8120% | 3,360 |
| Assets per employee ($millions) | 3.7268% | 4,443 |
| Cash dividends to net income (ytd only)* | 36.8037% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,780 |
| Loan loss allowance to noncurrent loans | 226.9537% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 4,851 |
| Noncurrent loans to loans | 0.9750% | 5,284 |
| Net loans and leases to total assets | 84.3673% | 309 |
| Net loans and leases to deposits | 100.3527% | 633 |
| Net loans and leases to core deposits | 114.9742% | 794 |
| Total domestic deposits to total assets | 84.0708% | 4,084 |
| Equity capital to assets | 12.5121% | 1,851 |
| Core capital (leverage) ratio | 12.4290% | 1,450 |
| Tier 1 risk-based capital ratio | 14.4372% | 3,544 |
| Total risk-based capital ratio | 15.6879% | 3,521 |
| Memoranda: | ||
| Average total assets | $73,542,500 | 5,840 |
| Average earning assets | $69,106,000 | 5,769 |
| Average equity | $9,184,750 | 5,433 |
| Average total loans | $63,016,500 | 5,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2693% | 543 |
| Cost of funding earning assets | 1.2975% | 4,554 |
| Net interest margin | 4.9718% | 448 |
| Noninterest income to average assets | 0.4699% | 4,359 |
| Noninterest expense to average assets | 3.8437% | 1,276 |
| Loan and lease loss provision to assets | 0.8742% | 1,664 |
| Net operating income to assets | 0.4207% | 4,658 |
| Return on assets (ROA) | 0.4207% | 4,813 |
| Pretax return on assets | 0.4207% | 5,155 |
| Return on Equity (ROE) | 3.3707% | 5,070 |
| Retained earnings to average equity (ytd only) | 1.9261% | 4,909 |
| Net charge-offs to loans | 0.6839% | 2,506 |
| Credit loss provision to net charge-offs | 149.5327% | 2,637 |
| Earnings coverage of net charge-offs (x) | 2.2150% | 3,904 |
| Efficiency ratio | 74.8006% | 3,304 |
| Assets per employee ($millions) | 3.5043% | 4,921 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,154 |
| Loan loss allowance to noncurrent loans | 129.1242% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 3,954 |
| Noncurrent loans to loans | 1.5551% | 4,384 |
| Net loans and leases to total assets | 84.0862% | 346 |
| Net loans and leases to deposits | 99.9435% | 731 |
| Net loans and leases to core deposits | 118.1619% | 760 |
| Total domestic deposits to total assets | 84.1337% | 4,046 |
| Equity capital to assets | 12.5058% | 1,797 |
| Core capital (leverage) ratio | 12.6542% | 1,344 |
| Tier 1 risk-based capital ratio | 14.7222% | 3,322 |
| Total risk-based capital ratio | 15.9728% | 3,287 |
| Memoranda: | ||
| Average total assets | $73,211,330 | 5,890 |
| Average earning assets | $68,748,000 | 5,805 |
| Average equity | $9,137,670 | 5,464 |
| Average total loans | $62,586,330 | 5,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2382% | 591 |
| Cost of funding earning assets | 1.3434% | 4,539 |
| Net interest margin | 4.8948% | 523 |
| Noninterest income to average assets | 0.6847% | 2,701 |
| Noninterest expense to average assets | 3.9385% | 1,117 |
| Loan and lease loss provision to assets | 0.9477% | 1,328 |
| Net operating income to assets | 0.3889% | 4,884 |
| Return on assets (ROA) | 0.3889% | 5,025 |
| Pretax return on assets | 0.3889% | 5,330 |
| Return on Equity (ROE) | 3.1192% | 5,287 |
| Retained earnings to average equity (ytd only) | 1.6694% | 5,103 |
| Net charge-offs to loans | 1.5344% | 1,134 |
| Credit loss provision to net charge-offs | 72.3849% | 4,049 |
| Earnings coverage of net charge-offs (x) | 1.0209% | 4,158 |
| Efficiency ratio | 74.6625% | 3,456 |
| Assets per employee ($millions) | 3.2594% | 5,631 |
| Cash dividends to net income (ytd only)* | 46.4789% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 2,943 |
| Loan loss allowance to noncurrent loans | 112.2951% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.7042% | 3,924 |
| Noncurrent loans to loans | 1.5455% | 4,427 |
| Net loans and leases to total assets | 86.5397% | 187 |
| Net loans and leases to deposits | 103.2838% | 574 |
| Net loans and leases to core deposits | 120.5185% | 767 |
| Total domestic deposits to total assets | 83.7882% | 4,249 |
| Equity capital to assets | 12.7198% | 1,643 |
| Core capital (leverage) ratio | 12.5681% | 1,382 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,322 |
| Total risk-based capital ratio | 15.8484% | 3,285 |
| Memoranda: | ||
| Average total assets | $73,022,000 | 5,962 |
| Average earning assets | $68,481,500 | 5,888 |
| Average equity | $9,105,000 | 5,514 |
| Average total loans | $62,306,000 | 5,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 1,332 |
| Cost of funding earning assets | 1.9462% | 3,232 |
| Net interest margin | 4.2188% | 2,005 |
| Noninterest income to average assets | 0.2274% | 6,491 |
| Noninterest expense to average assets | 3.4790% | 2,430 |
| Loan and lease loss provision to assets | 1.5242% | 1,511 |
| Net operating income to assets | -0.8193% | 6,451 |
| Return on assets (ROA) | -0.7431% | 6,395 |
| Pretax return on assets | -0.7431% | 6,231 |
| Return on Equity (ROE) | -6.4565% | 6,343 |
| Retained earnings to average equity (ytd only) | -7.7368% | 6,315 |
| Net charge-offs to loans | 1.4020% | 1,789 |
| Credit loss provision to net charge-offs | 130.7190% | 3,890 |
| Earnings coverage of net charge-offs (x) | 0.6046% | 5,500 |
| Efficiency ratio | 83.1512% | 2,457 |
| Assets per employee ($millions) | 3.3790% | 5,309 |
| Cash dividends to net income (ytd only)* | -19.8291% | 7,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 2,286 |
| Loan loss allowance to noncurrent loans | 137.5148% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9748% | 3,431 |
| Noncurrent loans to loans | 1.3749% | 4,625 |
| Net loans and leases to total assets | 81.1157% | 821 |
| Net loans and leases to deposits | 96.0940% | 1,316 |
| Net loans and leases to core deposits | 148.4941% | 548 |
| Total domestic deposits to total assets | 84.4129% | 3,833 |
| Equity capital to assets | 12.2268% | 1,894 |
| Core capital (leverage) ratio | 11.3435% | 2,009 |
| Tier 1 risk-based capital ratio | 14.4215% | 3,251 |
| Total risk-based capital ratio | 15.6713% | 3,198 |
| Memoranda: | ||
| Average total assets | $78,728,400 | 5,762 |
| Average earning assets | $73,836,600 | 5,686 |
| Average equity | $9,060,600 | 5,587 |
| Average total loans | $65,480,000 | 5,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0775% | 1,728 |
| Cost of funding earning assets | 2.0519% | 3,110 |
| Net interest margin | 4.0256% | 2,704 |
| Noninterest income to average assets | 0.2071% | 6,743 |
| Noninterest expense to average assets | 3.3338% | 2,790 |
| Loan and lease loss provision to assets | 1.7287% | 1,070 |
| Net operating income to assets | -1.0773% | 6,882 |
| Return on assets (ROA) | -0.9771% | 6,820 |
| Pretax return on assets | -0.9771% | 6,664 |
| Return on Equity (ROE) | -8.6152% | 6,779 |
| Retained earnings to average equity (ytd only) | -9.8523% | 6,792 |
| Net charge-offs to loans | 1.5542% | 1,319 |
| Credit loss provision to net charge-offs | 133.5484% | 3,733 |
| Earnings coverage of net charge-offs (x) | 0.5032% | 5,525 |
| Efficiency ratio | 83.6547% | 2,331 |
| Assets per employee ($millions) | 3.6107% | 4,661 |
| Cash dividends to net income (ytd only)* | -14.3593% | 7,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 2,721 |
| Loan loss allowance to noncurrent loans | 114.9194% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.7424% | 3,751 |
| Noncurrent loans to loans | 1.4562% | 4,494 |
| Net loans and leases to total assets | 80.6555% | 1,050 |
| Net loans and leases to deposits | 93.7375% | 1,928 |
| Net loans and leases to core deposits | 144.3827% | 751 |
| Total domestic deposits to total assets | 86.0440% | 2,689 |
| Equity capital to assets | 10.9853% | 3,020 |
| Core capital (leverage) ratio | 10.9126% | 2,470 |
| Tier 1 risk-based capital ratio | 12.7916% | 4,328 |
| Total risk-based capital ratio | 14.0432% | 4,268 |
| Memoranda: | ||
| Average total assets | $79,826,250 | 5,771 |
| Average earning assets | $74,918,750 | 5,674 |
| Average equity | $9,053,500 | 5,646 |
| Average total loans | $66,484,750 | 5,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 3,213 |
| Cost of funding earning assets | 2.1765% | 2,905 |
| Net interest margin | 3.5900% | 4,406 |
| Noninterest income to average assets | 0.1702% | 7,073 |
| Noninterest expense to average assets | 3.2837% | 3,034 |
| Loan and lease loss provision to assets | 0.8127% | 2,061 |
| Net operating income to assets | -0.5206% | 6,568 |
| Return on assets (ROA) | -0.4063% | 6,462 |
| Pretax return on assets | -0.4063% | 6,333 |
| Return on Equity (ROE) | -3.5436% | 6,422 |
| Retained earnings to average equity (ytd only) | -4.6510% | 6,248 |
| Net charge-offs to loans | 0.7583% | 2,162 |
| Credit loss provision to net charge-offs | 128.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | 0.4600% | 5,240 |
| Efficiency ratio | 91.8324% | 1,653 |
| Assets per employee ($millions) | 3.6905% | 4,351 |
| Cash dividends to net income (ytd only)* | -31.2500% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 3,881 |
| Loan loss allowance to noncurrent loans | 63.9113% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.3660% | 2,746 |
| Noncurrent loans to loans | 2.1448% | 3,318 |
| Net loans and leases to total assets | 84.2766% | 592 |
| Net loans and leases to deposits | 98.9172% | 1,401 |
| Net loans and leases to core deposits | 178.6320% | 232 |
| Total domestic deposits to total assets | 85.1991% | 3,167 |
| Equity capital to assets | 11.7673% | 2,345 |
| Core capital (leverage) ratio | 11.5977% | 2,037 |
| Tier 1 risk-based capital ratio | 12.8099% | 4,283 |
| Total risk-based capital ratio | 14.0615% | 4,194 |
| Memoranda: | ||
| Average total assets | $78,752,670 | 5,842 |
| Average earning assets | $74,708,330 | 5,719 |
| Average equity | $9,030,330 | 5,677 |
| Average total loans | $65,939,000 | 5,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 4,788 |
| Cost of funding earning assets | 2.2716% | 2,832 |
| Net interest margin | 3.2522% | 5,685 |
| Noninterest income to average assets | 0.1806% | 7,004 |
| Noninterest expense to average assets | 3.2863% | 2,698 |
| Loan and lease loss provision to assets | 0.7997% | 1,614 |
| Net operating income to assets | -0.8254% | 7,141 |
| Return on assets (ROA) | -0.8254% | 7,176 |
| Pretax return on assets | -0.8254% | 7,051 |
| Return on Equity (ROE) | -7.2989% | 7,174 |
| Retained earnings to average equity (ytd only) | -7.2989% | 6,827 |
| Net charge-offs to loans | 0.0747% | 4,435 |
| Credit loss provision to net charge-offs | 1,291.6667% | 489 |
| Earnings coverage of net charge-offs (x) | -0.4167% | 5,222 |
| Efficiency ratio | 100.7911% | 1,100 |
| Assets per employee ($millions) | 4.2335% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 2,851 |
| Loan loss allowance to noncurrent loans | 72.8307% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 2,817 |
| Noncurrent loans to loans | 2.0910% | 3,132 |
| Net loans and leases to total assets | 82.3238% | 963 |
| Net loans and leases to deposits | 94.1988% | 2,238 |
| Net loans and leases to core deposits | 194.0966% | 161 |
| Total domestic deposits to total assets | 87.3937% | 2,018 |
| Equity capital to assets | 12.0481% | 2,228 |
| Core capital (leverage) ratio | 12.6431% | 1,628 |
| Tier 1 risk-based capital ratio | 13.2375% | 4,032 |
| Total risk-based capital ratio | 14.4843% | 3,953 |
| Memoranda: | ||
| Average total assets | $77,533,500 | 5,902 |
| Average earning assets | $73,428,000 | 5,798 |
| Average equity | $8,768,500 | 5,786 |
| Average total loans | $64,220,500 | 5,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8179% | 1,618 |
| Cost of funding earning assets | 3.2784% | 982 |
| Net interest margin | 3.5396% | 5,146 |
| Noninterest income to average assets | 0.1513% | 7,339 |
| Noninterest expense to average assets | 3.0520% | 3,890 |
| Loan and lease loss provision to assets | 0.7493% | 1,989 |
| Net operating income to assets | -0.2717% | 6,706 |
| Return on assets (ROA) | -0.2717% | 6,551 |
| Pretax return on assets | -0.2717% | 6,438 |
| Return on Equity (ROE) | -2.4372% | 6,557 |
| Retained earnings to average equity (ytd only) | -2.4372% | 5,984 |
| Net charge-offs to loans | 0.4864% | 2,412 |
| Credit loss provision to net charge-offs | 180.1347% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 5,548 |
| Efficiency ratio | 86.4683% | 1,806 |
| Assets per employee ($millions) | 4.1462% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 2,970 |
| Loan loss allowance to noncurrent loans | 219.1542% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 4,472 |
| Noncurrent loans to loans | 0.6569% | 5,392 |
| Net loans and leases to total assets | 80.8216% | 1,487 |
| Net loans and leases to deposits | 90.9253% | 3,298 |
| Net loans and leases to core deposits | 179.7908% | 288 |
| Total domestic deposits to total assets | 88.8880% | 1,090 |
| Equity capital to assets | 10.5131% | 3,487 |
| Core capital (leverage) ratio | 10.4165% | 3,054 |
| Tier 1 risk-based capital ratio | 11.6641% | 5,085 |
| Total risk-based capital ratio | 12.9218% | 4,977 |
| Memoranda: | ||
| Average total assets | $71,396,800 | 5,988 |
| Average earning assets | $68,143,800 | 5,890 |
| Average equity | $7,959,800 | 6,099 |
| Average total loans | $61,064,400 | 5,218 |