Home > Nuvo Bank & Trust Company > Performance and Condition Ratios
Nuvo Bank & Trust Company, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 1,800 |
| Cost of funding earning assets | 0.8394% | 402 |
| Net interest margin | 3.5941% | 3,188 |
| Noninterest income to average assets | 0.2667% | 5,028 |
| Noninterest expense to average assets | 3.0179% | 2,464 |
| Loan and lease loss provision to assets | 0.2759% | 579 |
| Net operating income to assets | 0.0813% | 5,872 |
| Return on assets (ROA) | 0.0813% | 5,910 |
| Pretax return on assets | 0.3119% | 5,626 |
| Return on Equity (ROE) | 0.8459% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.8459% | 5,365 |
| Net charge-offs to loans | 0.0167% | 3,619 |
| Credit loss provision to net charge-offs | 1,827.7778% | 203 |
| Earnings coverage of net charge-offs (x) | 38.9433% | 1,272 |
| Efficiency ratio | 83.6977% | 1,202 |
| Assets per employee ($millions) | 9.5394% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 2,694 |
| Loan loss allowance to noncurrent loans | 75.7339% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 1,317 |
| Noncurrent loans to loans | 1.8235% | 1,295 |
| Net loans and leases to total assets | 89.7416% | 73 |
| Net loans and leases to deposits | 102.3230% | 527 |
| Net loans and leases to core deposits | 145.0582% | 136 |
| Total domestic deposits to total assets | 87.7043% | 1,703 |
| Equity capital to assets | 9.4845% | 4,771 |
| Core capital (leverage) ratio | 9.0906% | 4,895 |
| Tier 1 risk-based capital ratio | 10.4999% | 5,878 |
| Total risk-based capital ratio | 11.7564% | 5,809 |
| Memoranda: | ||
| Average total assets | $159,002,000 | 3,475 |
| Average earning assets | $147,719,500 | 3,468 |
| Average equity | $15,288,250 | 3,823 |
| Average total loans | $144,046,250 | 2,695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 1,838 |
| Cost of funding earning assets | 0.8323% | 425 |
| Net interest margin | 3.5718% | 3,201 |
| Noninterest income to average assets | 0.2570% | 5,116 |
| Noninterest expense to average assets | 3.1049% | 2,232 |
| Loan and lease loss provision to assets | 0.2976% | 520 |
| Net operating income to assets | 0.0025% | 5,990 |
| Return on assets (ROA) | 0.0025% | 6,024 |
| Pretax return on assets | 0.1747% | 5,854 |
| Return on Equity (ROE) | 0.0262% | 6,023 |
| Retained earnings to average equity (ytd only) | 0.0262% | 5,493 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7965% | 993 |
| Assets per employee ($millions) | 9.5532% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,077 |
| Loan loss allowance to noncurrent loans | 142.5872% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 2,860 |
| Noncurrent loans to loans | 0.9327% | 2,802 |
| Net loans and leases to total assets | 89.6320% | 77 |
| Net loans and leases to deposits | 102.0628% | 548 |
| Net loans and leases to core deposits | 145.6126% | 131 |
| Total domestic deposits to total assets | 87.8205% | 1,744 |
| Equity capital to assets | 9.3926% | 4,789 |
| Core capital (leverage) ratio | 8.8116% | 5,213 |
| Tier 1 risk-based capital ratio | 10.0575% | 6,071 |
| Total risk-based capital ratio | 11.3203% | 6,013 |
| Memoranda: | ||
| Average total assets | $157,946,000 | 3,521 |
| Average earning assets | $146,817,670 | 3,506 |
| Average equity | $15,257,330 | 3,848 |
| Average total loans | $142,871,000 | 2,720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 1,767 |
| Cost of funding earning assets | 0.8293% | 423 |
| Net interest margin | 3.5716% | 3,117 |
| Noninterest income to average assets | 0.2312% | 5,306 |
| Noninterest expense to average assets | 2.9875% | 2,626 |
| Loan and lease loss provision to assets | 0.1156% | 1,785 |
| Net operating income to assets | 0.2800% | 5,479 |
| Return on assets (ROA) | 0.2800% | 5,578 |
| Pretax return on assets | 0.4470% | 5,330 |
| Return on Equity (ROE) | 2.8573% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.8573% | 4,254 |
| Net charge-offs to loans | -0.0028% | 4,387 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1534% | 1,365 |
| Assets per employee ($millions) | 9.2914% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 88.9848% | 81 |
| Net loans and leases to deposits | 101.7593% | 468 |
| Net loans and leases to core deposits | 149.0288% | 106 |
| Total domestic deposits to total assets | 87.4463% | 2,144 |
| Equity capital to assets | 9.7047% | 4,502 |
| Core capital (leverage) ratio | 8.7083% | 5,315 |
| Tier 1 risk-based capital ratio | 9.9598% | 6,178 |
| Total risk-based capital ratio | 11.2221% | 6,132 |
| Memoranda: | ||
| Average total assets | $155,717,000 | 3,564 |
| Average earning assets | $144,695,500 | 3,554 |
| Average equity | $15,259,000 | 3,878 |
| Average total loans | $140,542,500 | 2,749 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 1,751 |
| Cost of funding earning assets | 0.8228% | 575 |
| Net interest margin | 3.7108% | 2,972 |
| Noninterest income to average assets | 0.2278% | 5,492 |
| Noninterest expense to average assets | 2.6912% | 3,900 |
| Loan and lease loss provision to assets | 0.4900% | 316 |
| Net operating income to assets | 0.2845% | 5,554 |
| Return on assets (ROA) | 0.2845% | 5,625 |
| Pretax return on assets | 0.4846% | 5,288 |
| Return on Equity (ROE) | 2.8307% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.8307% | 4,224 |
| Net charge-offs to loans | 0.3678% | 1,184 |
| Credit loss provision to net charge-offs | 151.9916% | 1,595 |
| Earnings coverage of net charge-offs (x) | 3.0231% | 4,004 |
| Efficiency ratio | 73.4145% | 2,944 |
| Assets per employee ($millions) | 9.0282% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 3,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 89.2820% | 82 |
| Net loans and leases to deposits | 102.4477% | 494 |
| Net loans and leases to core deposits | 150.3462% | 113 |
| Total domestic deposits to total assets | 87.1488% | 2,191 |
| Equity capital to assets | 9.8964% | 4,238 |
| Core capital (leverage) ratio | 9.0458% | 4,918 |
| Tier 1 risk-based capital ratio | 9.8565% | 6,297 |
| Total risk-based capital ratio | 11.0989% | 6,256 |
| Memoranda: | ||
| Average total assets | $147,963,800 | 3,663 |
| Average earning assets | $137,088,000 | 3,644 |
| Average equity | $14,872,800 | 3,865 |
| Average total loans | $129,706,000 | 2,876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,824 |
| Cost of funding earning assets | 0.8137% | 642 |
| Net interest margin | 3.6991% | 3,028 |
| Noninterest income to average assets | 0.2238% | 5,590 |
| Noninterest expense to average assets | 2.7224% | 3,741 |
| Loan and lease loss provision to assets | 0.5894% | 229 |
| Net operating income to assets | 0.2138% | 5,826 |
| Return on assets (ROA) | 0.2138% | 5,872 |
| Pretax return on assets | 0.3356% | 5,704 |
| Return on Equity (ROE) | 2.1180% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.1180% | 4,996 |
| Net charge-offs to loans | 0.4833% | 813 |
| Credit loss provision to net charge-offs | 140.2597% | 1,677 |
| Earnings coverage of net charge-offs (x) | 2.2013% | 3,967 |
| Efficiency ratio | 74.6384% | 2,712 |
| Assets per employee ($millions) | 8.5914% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,987 |
| Loan loss allowance to noncurrent loans | 840.9091% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,656 |
| Noncurrent loans to loans | 0.1480% | 5,474 |
| Net loans and leases to total assets | 85.4098% | 229 |
| Net loans and leases to deposits | 96.7875% | 819 |
| Net loans and leases to core deposits | 136.8045% | 172 |
| Total domestic deposits to total assets | 88.2447% | 1,635 |
| Equity capital to assets | 9.6770% | 4,578 |
| Core capital (leverage) ratio | 8.8212% | 5,308 |
| Tier 1 risk-based capital ratio | 9.7688% | 6,391 |
| Total risk-based capital ratio | 10.9946% | 6,369 |
| Memoranda: | ||
| Average total assets | $146,584,750 | 3,717 |
| Average earning assets | $135,669,750 | 3,692 |
| Average equity | $14,793,750 | 3,896 |
| Average total loans | $127,443,250 | 2,924 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 1,682 |
| Cost of funding earning assets | 0.8104% | 667 |
| Net interest margin | 3.7347% | 2,824 |
| Noninterest income to average assets | 0.2238% | 5,604 |
| Noninterest expense to average assets | 2.7950% | 3,528 |
| Loan and lease loss provision to assets | 0.5685% | 251 |
| Net operating income to assets | 0.2001% | 5,839 |
| Return on assets (ROA) | 0.2001% | 5,895 |
| Pretax return on assets | 0.3127% | 5,761 |
| Return on Equity (ROE) | 1.9543% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.9543% | 4,900 |
| Net charge-offs to loans | 0.4244% | 960 |
| Credit loss provision to net charge-offs | 153.7594% | 1,437 |
| Earnings coverage of net charge-offs (x) | 2.3835% | 3,561 |
| Efficiency ratio | 76.0302% | 2,624 |
| Assets per employee ($millions) | 8.4174% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,195 |
| Loan loss allowance to noncurrent loans | 240.2963% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 4,667 |
| Noncurrent loans to loans | 0.5180% | 4,454 |
| Net loans and leases to total assets | 84.9281% | 241 |
| Net loans and leases to deposits | 96.2625% | 786 |
| Net loans and leases to core deposits | 130.5673% | 221 |
| Total domestic deposits to total assets | 88.2255% | 1,772 |
| Equity capital to assets | 9.7951% | 4,362 |
| Core capital (leverage) ratio | 9.0353% | 4,967 |
| Tier 1 risk-based capital ratio | 9.9109% | 6,422 |
| Total risk-based capital ratio | 11.1397% | 6,393 |
| Memoranda: | ||
| Average total assets | $143,898,000 | 3,782 |
| Average earning assets | $133,024,330 | 3,757 |
| Average equity | $14,736,670 | 3,905 |
| Average total loans | $125,342,000 | 2,963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 1,687 |
| Cost of funding earning assets | 0.8075% | 722 |
| Net interest margin | 3.7294% | 2,744 |
| Noninterest income to average assets | 0.2456% | 5,398 |
| Noninterest expense to average assets | 2.8353% | 3,438 |
| Loan and lease loss provision to assets | 0.5482% | 252 |
| Net operating income to assets | 0.1913% | 5,825 |
| Return on assets (ROA) | 0.1913% | 5,870 |
| Pretax return on assets | 0.3169% | 5,674 |
| Return on Equity (ROE) | 1.8251% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.8251% | 4,872 |
| Net charge-offs to loans | 0.0098% | 3,428 |
| Credit loss provision to net charge-offs | 6,400.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 453 |
| Efficiency ratio | 76.6204% | 2,709 |
| Assets per employee ($millions) | 8.5291% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 4,054 |
| Loan loss allowance to noncurrent loans | 181.6993% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 4,233 |
| Noncurrent loans to loans | 0.7229% | 4,057 |
| Net loans and leases to total assets | 86.4360% | 125 |
| Net loans and leases to deposits | 99.5710% | 463 |
| Net loans and leases to core deposits | 142.0651% | 123 |
| Total domestic deposits to total assets | 86.8084% | 2,933 |
| Equity capital to assets | 10.1618% | 3,650 |
| Core capital (leverage) ratio | 9.3500% | 4,503 |
| Tier 1 risk-based capital ratio | 10.2306% | 6,416 |
| Total risk-based capital ratio | 11.4385% | 6,393 |
| Memoranda: | ||
| Average total assets | $140,090,000 | 3,876 |
| Average earning assets | $129,780,500 | 3,840 |
| Average equity | $14,684,500 | 3,917 |
| Average total loans | $122,863,000 | 3,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,890 |
| Cost of funding earning assets | 0.9405% | 605 |
| Net interest margin | 3.6561% | 3,226 |
| Noninterest income to average assets | 0.2321% | 5,684 |
| Noninterest expense to average assets | 2.9121% | 3,339 |
| Loan and lease loss provision to assets | 0.2659% | 1,326 |
| Net operating income to assets | 0.2348% | 5,734 |
| Return on assets (ROA) | 1.9129% | 398 |
| Pretax return on assets | 2.1031% | 383 |
| Return on Equity (ROE) | 18.8977% | 349 |
| Retained earnings to average equity (ytd only) | 18.8977% | 96 |
| Net charge-offs to loans | 0.0531% | 4,479 |
| Credit loss provision to net charge-offs | 578.9474% | 409 |
| Earnings coverage of net charge-offs (x) | 15.0351% | 1,903 |
| Efficiency ratio | 80.8320% | 2,041 |
| Assets per employee ($millions) | 7.9521% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,407 |
| Loan loss allowance to noncurrent loans | 750.7614% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,884 |
| Noncurrent loans to loans | 0.1659% | 5,700 |
| Net loans and leases to total assets | 86.7338% | 125 |
| Net loans and leases to deposits | 101.0166% | 436 |
| Net loans and leases to core deposits | 142.1874% | 130 |
| Total domestic deposits to total assets | 85.8610% | 3,333 |
| Equity capital to assets | 10.8258% | 2,789 |
| Core capital (leverage) ratio | 9.4483% | 4,340 |
| Tier 1 risk-based capital ratio | 10.6975% | 6,301 |
| Total risk-based capital ratio | 11.9401% | 6,256 |
| Memoranda: | ||
| Average total assets | $124,103,600 | 4,179 |
| Average earning assets | $114,412,000 | 4,174 |
| Average equity | $12,562,400 | 4,343 |
| Average total loans | $107,290,600 | 3,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,819 |
| Cost of funding earning assets | 0.9533% | 632 |
| Net interest margin | 3.6700% | 3,152 |
| Noninterest income to average assets | 0.2154% | 5,886 |
| Noninterest expense to average assets | 2.9252% | 3,225 |
| Loan and lease loss provision to assets | 0.2286% | 1,582 |
| Net operating income to assets | 0.2630% | 5,745 |
| Return on assets (ROA) | 2.5197% | 174 |
| Pretax return on assets | 2.6944% | 184 |
| Return on Equity (ROE) | 25.3836% | 113 |
| Retained earnings to average equity (ytd only) | 25.3836% | 45 |
| Net charge-offs to loans | 0.0243% | 4,644 |
| Credit loss provision to net charge-offs | 1,094.7368% | 281 |
| Earnings coverage of net charge-offs (x) | 31.8981% | 1,185 |
| Efficiency ratio | 81.4565% | 1,906 |
| Assets per employee ($millions) | 8.3211% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 4,665 |
| Loan loss allowance to noncurrent loans | 500.0000% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 5,813 |
| Noncurrent loans to loans | 0.2490% | 5,607 |
| Net loans and leases to total assets | 83.0964% | 287 |
| Net loans and leases to deposits | 97.0124% | 624 |
| Net loans and leases to core deposits | 131.9561% | 168 |
| Total domestic deposits to total assets | 85.6554% | 3,425 |
| Equity capital to assets | 10.9256% | 2,836 |
| Core capital (leverage) ratio | 9.9691% | 3,718 |
| Tier 1 risk-based capital ratio | 11.1982% | 6,187 |
| Total risk-based capital ratio | 12.4392% | 6,163 |
| Memoranda: | ||
| Average total assets | $121,333,000 | 4,291 |
| Average earning assets | $111,604,750 | 4,269 |
| Average equity | $12,044,250 | 4,484 |
| Average total loans | $104,430,500 | 3,380 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,689 |
| Cost of funding earning assets | 0.9700% | 641 |
| Net interest margin | 3.6845% | 3,013 |
| Noninterest income to average assets | 0.2368% | 5,750 |
| Noninterest expense to average assets | 3.0222% | 2,930 |
| Loan and lease loss provision to assets | 0.2215% | 1,713 |
| Net operating income to assets | 0.2385% | 5,803 |
| Return on assets (ROA) | 3.7530% | 76 |
| Pretax return on assets | 3.9115% | 88 |
| Return on Equity (ROE) | 39.3030% | 32 |
| Retained earnings to average equity (ytd only) | 39.3030% | 14 |
| Net charge-offs to loans | 0.0314% | 4,249 |
| Credit loss provision to net charge-offs | 812.5000% | 376 |
| Earnings coverage of net charge-offs (x) | 22.6875% | 1,359 |
| Efficiency ratio | 83.0136% | 1,755 |
| Assets per employee ($millions) | 7.7433% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,761 |
| Loan loss allowance to noncurrent loans | 3,473.6842% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,437 |
| Noncurrent loans to loans | 0.0358% | 6,297 |
| Net loans and leases to total assets | 84.5688% | 204 |
| Net loans and leases to deposits | 99.7981% | 438 |
| Net loans and leases to core deposits | 130.7567% | 181 |
| Total domestic deposits to total assets | 84.7399% | 4,018 |
| Equity capital to assets | 11.6739% | 2,154 |
| Core capital (leverage) ratio | 10.6500% | 2,717 |
| Tier 1 risk-based capital ratio | 11.7594% | 5,949 |
| Total risk-based capital ratio | 13.0055% | 5,908 |
| Memoranda: | ||
| Average total assets | $117,398,330 | 4,406 |
| Average earning assets | $108,454,000 | 4,373 |
| Average equity | $11,210,330 | 4,680 |
| Average total loans | $101,898,330 | 3,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 1,698 |
| Cost of funding earning assets | 0.9917% | 643 |
| Net interest margin | 3.6514% | 3,068 |
| Noninterest income to average assets | 0.2208% | 5,903 |
| Noninterest expense to average assets | 3.0591% | 2,810 |
| Loan and lease loss provision to assets | 0.3014% | 1,146 |
| Net operating income to assets | 0.1367% | 6,077 |
| Return on assets (ROA) | 7.4357% | 30 |
| Pretax return on assets | 7.5268% | 38 |
| Return on Equity (ROE) | 88.5643% | 8 |
| Retained earnings to average equity (ytd only) | 88.5643% | 6 |
| Net charge-offs to loans | 0.0641% | 3,180 |
| Credit loss provision to net charge-offs | 537.5000% | 500 |
| Earnings coverage of net charge-offs (x) | 9.4375% | 1,836 |
| Efficiency ratio | 85.2539% | 1,614 |
| Assets per employee ($millions) | 7.3400% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,975 |
| Loan loss allowance to noncurrent loans | 845.0331% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 6,187 |
| Noncurrent loans to loans | 0.1473% | 6,028 |
| Net loans and leases to total assets | 86.1810% | 118 |
| Net loans and leases to deposits | 96.8897% | 496 |
| Net loans and leases to core deposits | 124.3394% | 227 |
| Total domestic deposits to total assets | 88.9475% | 1,711 |
| Equity capital to assets | 9.0719% | 5,400 |
| Core capital (leverage) ratio | 8.1574% | 5,980 |
| Tier 1 risk-based capital ratio | 8.6757% | 6,830 |
| Total risk-based capital ratio | 9.9103% | 6,835 |
| Memoranda: | ||
| Average total assets | $114,151,500 | 4,524 |
| Average earning assets | $105,274,000 | 4,488 |
| Average equity | $9,584,000 | 5,091 |
| Average total loans | $99,800,500 | 3,508 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 2,069 |
| Cost of funding earning assets | 1.0959% | 924 |
| Net interest margin | 3.7417% | 3,475 |
| Noninterest income to average assets | 0.2766% | 5,484 |
| Noninterest expense to average assets | 3.0018% | 3,264 |
| Loan and lease loss provision to assets | 0.2676% | 2,504 |
| Net operating income to assets | 0.6281% | 4,096 |
| Return on assets (ROA) | 0.6471% | 4,265 |
| Pretax return on assets | 0.5243% | 5,210 |
| Return on Equity (ROE) | 7.9699% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.9699% | 1,133 |
| Net charge-offs to loans | 0.0198% | 5,631 |
| Credit loss provision to net charge-offs | 1,576.4706% | 151 |
| Earnings coverage of net charge-offs (x) | 45.5294% | 719 |
| Efficiency ratio | 79.5238% | 2,209 |
| Assets per employee ($millions) | 6.9289% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,917 |
| Loan loss allowance to noncurrent loans | 722.1557% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 6,185 |
| Noncurrent loans to loans | 0.1720% | 6,052 |
| Net loans and leases to total assets | 86.5104% | 119 |
| Net loans and leases to deposits | 95.9800% | 615 |
| Net loans and leases to core deposits | 122.0701% | 260 |
| Total domestic deposits to total assets | 90.1338% | 881 |
| Equity capital to assets | 7.6797% | 6,561 |
| Core capital (leverage) ratio | 8.0200% | 6,174 |
| Tier 1 risk-based capital ratio | 8.9395% | 6,854 |
| Total risk-based capital ratio | 10.2002% | 6,859 |
| Memoranda: | ||
| Average total assets | $100,139,200 | 4,830 |
| Average earning assets | $93,620,000 | 4,762 |
| Average equity | $8,130,600 | 5,461 |
| Average total loans | $85,780,200 | 3,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 2,010 |
| Cost of funding earning assets | 1.1114% | 1,021 |
| Net interest margin | 3.7867% | 3,393 |
| Noninterest income to average assets | 0.2627% | 5,682 |
| Noninterest expense to average assets | 3.0303% | 3,124 |
| Loan and lease loss provision to assets | 0.2545% | 2,536 |
| Net operating income to assets | 0.6772% | 4,018 |
| Return on assets (ROA) | 0.7032% | 4,139 |
| Pretax return on assets | 0.5650% | 5,265 |
| Return on Equity (ROE) | 8.5295% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.5295% | 1,401 |
| Net charge-offs to loans | 0.0080% | 5,610 |
| Credit loss provision to net charge-offs | 3,720.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 115.9385% | 370 |
| Efficiency ratio | 79.2487% | 2,201 |
| Assets per employee ($millions) | 6.9757% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 84.2588% | 210 |
| Net loans and leases to deposits | 93.8964% | 800 |
| Net loans and leases to core deposits | 111.6465% | 514 |
| Total domestic deposits to total assets | 89.7358% | 976 |
| Equity capital to assets | 7.9810% | 6,604 |
| Core capital (leverage) ratio | 8.0856% | 6,244 |
| Tier 1 risk-based capital ratio | 9.5253% | 6,896 |
| Total risk-based capital ratio | 10.7865% | 6,883 |
| Memoranda: | ||
| Average total assets | $97,458,250 | 4,951 |
| Average earning assets | $91,651,750 | 4,865 |
| Average equity | $8,034,750 | 5,549 |
| Average total loans | $82,946,750 | 3,990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 1,919 |
| Cost of funding earning assets | 1.1205% | 1,124 |
| Net interest margin | 3.8337% | 3,205 |
| Noninterest income to average assets | 0.2651% | 5,683 |
| Noninterest expense to average assets | 3.0989% | 2,930 |
| Loan and lease loss provision to assets | 0.2819% | 2,324 |
| Net operating income to assets | 0.6059% | 4,347 |
| Return on assets (ROA) | 0.6459% | 4,386 |
| Pretax return on assets | 0.5449% | 5,325 |
| Return on Equity (ROE) | 7.7434% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.7434% | 1,746 |
| Net charge-offs to loans | 0.0124% | 5,281 |
| Credit loss provision to net charge-offs | 2,680.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 541 |
| Efficiency ratio | 79.7509% | 2,225 |
| Assets per employee ($millions) | 6.7068% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 85.8363% | 148 |
| Net loans and leases to deposits | 95.8211% | 646 |
| Net loans and leases to core deposits | 116.2941% | 384 |
| Total domestic deposits to total assets | 89.5797% | 1,176 |
| Equity capital to assets | 8.0714% | 6,529 |
| Core capital (leverage) ratio | 8.2734% | 5,958 |
| Tier 1 risk-based capital ratio | 9.6517% | 6,895 |
| Total risk-based capital ratio | 10.9116% | 6,887 |
| Memoranda: | ||
| Average total assets | $95,065,670 | 5,033 |
| Average earning assets | $89,782,000 | 4,942 |
| Average equity | $7,929,330 | 5,594 |
| Average total loans | $80,828,670 | 4,079 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 2,934 |
| Cost of funding earning assets | 1.0662% | 1,585 |
| Net interest margin | 3.6633% | 3,990 |
| Noninterest income to average assets | 0.2210% | 6,032 |
| Noninterest expense to average assets | 3.2980% | 2,295 |
| Loan and lease loss provision to assets | 0.0953% | 4,160 |
| Net operating income to assets | 0.3424% | 5,503 |
| Return on assets (ROA) | 0.4247% | 5,333 |
| Pretax return on assets | 0.3944% | 5,742 |
| Return on Equity (ROE) | 5.0038% | 4,783 |
| Retained earnings to average equity (ytd only) | 5.0038% | 3,556 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0058% | 1,175 |
| Assets per employee ($millions) | 6.4525% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,329 |
| Loan loss allowance to noncurrent loans | 159.9018% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,309 |
| Noncurrent loans to loans | 0.7742% | 5,116 |
| Net loans and leases to total assets | 80.5317% | 360 |
| Net loans and leases to deposits | 91.6181% | 829 |
| Net loans and leases to core deposits | 119.4413% | 319 |
| Total domestic deposits to total assets | 87.8993% | 2,394 |
| Equity capital to assets | 8.1332% | 6,426 |
| Core capital (leverage) ratio | 8.7158% | 5,269 |
| Tier 1 risk-based capital ratio | 10.4758% | 6,746 |
| Total risk-based capital ratio | 11.7384% | 6,732 |
| Memoranda: | ||
| Average total assets | $92,297,500 | 5,144 |
| Average earning assets | $87,789,000 | 5,029 |
| Average equity | $7,834,000 | 5,645 |
| Average total loans | $77,524,500 | 4,199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 3,664 |
| Cost of funding earning assets | 1.1307% | 2,465 |
| Net interest margin | 3.6996% | 4,294 |
| Noninterest income to average assets | 0.2876% | 5,479 |
| Noninterest expense to average assets | 3.2015% | 2,861 |
| Loan and lease loss provision to assets | 0.3957% | 2,622 |
| Net operating income to assets | 0.4881% | 4,474 |
| Return on assets (ROA) | 0.5184% | 4,558 |
| Pretax return on assets | 0.2599% | 5,654 |
| Return on Equity (ROE) | 5.5879% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.5879% | 2,245 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6608% | 1,810 |
| Assets per employee ($millions) | 6.7544% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,140 |
| Loan loss allowance to noncurrent loans | 156.3011% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 5,252 |
| Noncurrent loans to loans | 0.8026% | 5,086 |
| Net loans and leases to total assets | 85.6105% | 141 |
| Net loans and leases to deposits | 96.8362% | 635 |
| Net loans and leases to core deposits | 131.4449% | 220 |
| Total domestic deposits to total assets | 88.4075% | 1,904 |
| Equity capital to assets | 8.8786% | 5,699 |
| Core capital (leverage) ratio | 9.4589% | 4,095 |
| Tier 1 risk-based capital ratio | 11.6026% | 6,094 |
| Total risk-based capital ratio | 12.8529% | 6,078 |
| Memoranda: | ||
| Average total assets | $75,808,400 | 5,577 |
| Average earning assets | $72,520,400 | 5,461 |
| Average equity | $7,033,000 | 5,858 |
| Average total loans | $65,876,000 | 4,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 3,996 |
| Cost of funding earning assets | 1.1543% | 2,609 |
| Net interest margin | 3.6511% | 4,557 |
| Noninterest income to average assets | 0.2564% | 5,791 |
| Noninterest expense to average assets | 3.2742% | 2,579 |
| Loan and lease loss provision to assets | 0.4322% | 2,316 |
| Net operating income to assets | 0.0490% | 6,080 |
| Return on assets (ROA) | 0.0806% | 6,126 |
| Pretax return on assets | 0.1081% | 6,077 |
| Return on Equity (ROE) | 0.8575% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.8575% | 5,666 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7961% | 1,453 |
| Assets per employee ($millions) | 6.1544% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 5,038 |
| Loan loss allowance to noncurrent loans | 145.8265% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 5,245 |
| Noncurrent loans to loans | 0.8871% | 5,083 |
| Net loans and leases to total assets | 84.9701% | 164 |
| Net loans and leases to deposits | 96.8805% | 647 |
| Net loans and leases to core deposits | 131.5009% | 229 |
| Total domestic deposits to total assets | 87.7061% | 2,231 |
| Equity capital to assets | 9.3067% | 5,369 |
| Core capital (leverage) ratio | 9.4900% | 4,164 |
| Tier 1 risk-based capital ratio | 12.1753% | 5,758 |
| Total risk-based capital ratio | 13.4406% | 5,732 |
| Memoranda: | ||
| Average total assets | $72,808,750 | 5,716 |
| Average earning assets | $70,114,250 | 5,578 |
| Average equity | $6,842,250 | 5,948 |
| Average total loans | $63,313,250 | 4,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 4,296 |
| Cost of funding earning assets | 1.1753% | 2,741 |
| Net interest margin | 3.5757% | 4,807 |
| Noninterest income to average assets | 0.2102% | 6,161 |
| Noninterest expense to average assets | 3.3263% | 2,472 |
| Loan and lease loss provision to assets | 0.4801% | 2,060 |
| Net operating income to assets | -0.1307% | 6,389 |
| Return on assets (ROA) | -0.1307% | 6,432 |
| Pretax return on assets | -0.1307% | 6,390 |
| Return on Equity (ROE) | -1.3853% | 6,453 |
| Retained earnings to average equity (ytd only) | -1.3853% | 6,133 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4946% | 1,207 |
| Assets per employee ($millions) | 6.2761% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,356 |
| Loan loss allowance to noncurrent loans | 132.6892% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 5,231 |
| Noncurrent loans to loans | 0.9353% | 5,099 |
| Net loans and leases to total assets | 87.0686% | 107 |
| Net loans and leases to deposits | 99.8858% | 500 |
| Net loans and leases to core deposits | 130.6880% | 267 |
| Total domestic deposits to total assets | 87.1682% | 2,646 |
| Equity capital to assets | 9.7340% | 4,491 |
| Core capital (leverage) ratio | 9.9636% | 3,307 |
| Tier 1 risk-based capital ratio | 12.5289% | 5,317 |
| Total risk-based capital ratio | 13.7787% | 5,295 |
| Memoranda: | ||
| Average total assets | $70,409,330 | 5,816 |
| Average earning assets | $68,238,670 | 5,689 |
| Average equity | $6,641,000 | 6,038 |
| Average total loans | $61,460,000 | 4,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 4,419 |
| Cost of funding earning assets | 1.1925% | 2,870 |
| Net interest margin | 3.5287% | 4,886 |
| Noninterest income to average assets | 0.1707% | 6,502 |
| Noninterest expense to average assets | 3.6670% | 1,610 |
| Loan and lease loss provision to assets | 0.4827% | 1,828 |
| Net operating income to assets | -0.5651% | 6,845 |
| Return on assets (ROA) | -0.5651% | 6,848 |
| Pretax return on assets | -0.5651% | 6,790 |
| Return on Equity (ROE) | -6.0991% | 6,872 |
| Retained earnings to average equity (ytd only) | -6.0991% | 6,603 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2989% | 663 |
| Assets per employee ($millions) | 5.4560% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,647 |
| Loan loss allowance to noncurrent loans | 116.2461% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 5,117 |
| Noncurrent loans to loans | 1.0301% | 4,998 |
| Net loans and leases to total assets | 85.7320% | 141 |
| Net loans and leases to deposits | 95.8452% | 702 |
| Net loans and leases to core deposits | 128.0115% | 290 |
| Total domestic deposits to total assets | 89.4485% | 1,508 |
| Equity capital to assets | 10.0947% | 3,653 |
| Core capital (leverage) ratio | 10.5790% | 2,528 |
| Tier 1 risk-based capital ratio | 13.0804% | 4,764 |
| Total risk-based capital ratio | 14.3312% | 4,748 |
| Memoranda: | ||
| Average total assets | $67,957,500 | 5,931 |
| Average earning assets | $65,746,000 | 5,804 |
| Average equity | $6,296,000 | 6,155 |
| Average total loans | $58,991,000 | 5,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 5,924 |
| Cost of funding earning assets | 1.4028% | 3,253 |
| Net interest margin | 3.2567% | 6,112 |
| Noninterest income to average assets | 0.1747% | 6,487 |
| Noninterest expense to average assets | 4.8891% | 461 |
| Loan and lease loss provision to assets | 0.9364% | 1,742 |
| Net operating income to assets | -2.5243% | 7,184 |
| Return on assets (ROA) | -2.5167% | 7,196 |
| Pretax return on assets | -2.5167% | 7,169 |
| Return on Equity (ROE) | -21.9110% | 7,073 |
| Retained earnings to average equity (ytd only) | -21.9110% | 7,049 |
| Net charge-offs to loans | 1.1282% | 1,975 |
| Credit loss provision to net charge-offs | 101.8595% | 4,450 |
| Earnings coverage of net charge-offs (x) | -1.7273% | 6,694 |
| Efficiency ratio | 148.1013% | 226 |
| Assets per employee ($millions) | 4.9990% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,688 |
| Loan loss allowance to noncurrent loans | 90.0963% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 4,777 |
| Noncurrent loans to loans | 1.2882% | 4,558 |
| Net loans and leases to total assets | 85.8356% | 193 |
| Net loans and leases to deposits | 94.1532% | 1,051 |
| Net loans and leases to core deposits | 120.7612% | 509 |
| Total domestic deposits to total assets | 91.1659% | 527 |
| Equity capital to assets | 8.3586% | 6,060 |
| Core capital (leverage) ratio | 8.8775% | 4,734 |
| Tier 1 risk-based capital ratio | 10.9371% | 6,378 |
| Total risk-based capital ratio | 12.1876% | 6,347 |
| Memoranda: | ||
| Average total assets | $52,647,800 | 6,440 |
| Average earning assets | $50,541,800 | 6,347 |
| Average equity | $6,047,200 | 6,341 |
| Average total loans | $42,899,400 | 5,795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 6,310 |
| Cost of funding earning assets | 1.4560% | 3,239 |
| Net interest margin | 3.1538% | 6,473 |
| Noninterest income to average assets | 0.1776% | 6,605 |
| Noninterest expense to average assets | 5.2000% | 322 |
| Loan and lease loss provision to assets | 1.1083% | 1,313 |
| Net operating income to assets | -3.1125% | 7,471 |
| Return on assets (ROA) | -3.1125% | 7,485 |
| Pretax return on assets | -3.1125% | 7,448 |
| Return on Equity (ROE) | -24.8771% | 7,316 |
| Retained earnings to average equity (ytd only) | -24.8771% | 7,304 |
| Net charge-offs to loans | 1.7951% | 1,083 |
| Credit loss provision to net charge-offs | 77.4436% | 5,214 |
| Earnings coverage of net charge-offs (x) | -1.4004% | 6,495 |
| Efficiency ratio | 162.7104% | 155 |
| Assets per employee ($millions) | 4.7058% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 6,032 |
| Loan loss allowance to noncurrent loans | 67.0918% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 4,583 |
| Noncurrent loans to loans | 1.6051% | 4,235 |
| Net loans and leases to total assets | 78.9816% | 883 |
| Net loans and leases to deposits | 87.6102% | 2,063 |
| Net loans and leases to core deposits | 120.0214% | 611 |
| Total domestic deposits to total assets | 90.1512% | 801 |
| Equity capital to assets | 9.3437% | 5,060 |
| Core capital (leverage) ratio | 9.5283% | 3,859 |
| Tier 1 risk-based capital ratio | 12.5823% | 4,913 |
| Total risk-based capital ratio | 13.7408% | 4,970 |
| Memoranda: | ||
| Average total assets | $49,563,000 | 6,639 |
| Average earning assets | $47,434,000 | 6,535 |
| Average equity | $6,201,000 | 6,393 |
| Average total loans | $39,515,000 | 6,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 6,221 |
| Cost of funding earning assets | 1.4263% | 3,707 |
| Net interest margin | 3.2515% | 6,166 |
| Noninterest income to average assets | 0.1838% | 6,590 |
| Noninterest expense to average assets | 5.8391% | 234 |
| Loan and lease loss provision to assets | 1.4488% | 920 |
| Net operating income to assets | -4.0007% | 7,623 |
| Return on assets (ROA) | -4.0007% | 7,627 |
| Pretax return on assets | -4.0007% | 7,600 |
| Return on Equity (ROE) | -28.7301% | 7,419 |
| Retained earnings to average equity (ytd only) | -28.7301% | 7,404 |
| Net charge-offs to loans | 2.9226% | 557 |
| Credit loss provision to net charge-offs | 62.2180% | 5,159 |
| Earnings coverage of net charge-offs (x) | -1.0959% | 6,132 |
| Efficiency ratio | 177.6298% | 132 |
| Assets per employee ($millions) | 4.1856% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 6,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 76.4486% | 1,407 |
| Net loans and leases to deposits | 86.3531% | 2,459 |
| Net loans and leases to core deposits | 118.7191% | 741 |
| Total domestic deposits to total assets | 88.5303% | 1,707 |
| Equity capital to assets | 10.9569% | 2,909 |
| Core capital (leverage) ratio | 12.5585% | 1,385 |
| Tier 1 risk-based capital ratio | 14.6632% | 3,346 |
| Total risk-based capital ratio | 15.7589% | 3,406 |
| Memoranda: | ||
| Average total assets | $45,692,330 | 6,796 |
| Average earning assets | $43,610,670 | 6,715 |
| Average equity | $6,362,670 | 6,347 |
| Average total loans | $36,405,670 | 6,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,487 |
| Cost of funding earning assets | 1.4855% | 3,649 |
| Net interest margin | 3.4086% | 5,547 |
| Noninterest income to average assets | 0.1742% | 6,722 |
| Noninterest expense to average assets | 6.2131% | 200 |
| Loan and lease loss provision to assets | 2.6614% | 386 |
| Net operating income to assets | -5.4582% | 7,804 |
| Return on assets (ROA) | -5.4582% | 7,807 |
| Pretax return on assets | -5.4582% | 7,786 |
| Return on Equity (ROE) | -34.3745% | 7,610 |
| Retained earnings to average equity (ytd only) | -34.3745% | 7,590 |
| Net charge-offs to loans | 6.3358% | 167 |
| Credit loss provision to net charge-offs | 51.6917% | 4,454 |
| Earnings coverage of net charge-offs (x) | -0.5432% | 5,295 |
| Efficiency ratio | 181.8697% | 121 |
| Assets per employee ($millions) | 3.1792% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 6,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 85.0880% | 282 |
| Net loans and leases to deposits | 100.9705% | 697 |
| Net loans and leases to core deposits | 129.9220% | 499 |
| Total domestic deposits to total assets | 84.2701% | 4,008 |
| Equity capital to assets | 15.2484% | 821 |
| Core capital (leverage) ratio | 15.3133% | 686 |
| Tier 1 risk-based capital ratio | 18.1813% | 1,904 |
| Total risk-based capital ratio | 19.3028% | 1,905 |
| Memoranda: | ||
| Average total assets | $41,332,000 | 7,045 |
| Average earning assets | $39,312,500 | 6,957 |
| Average equity | $6,563,000 | 6,327 |
| Average total loans | $33,587,000 | 6,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 7,599 |
| Cost of funding earning assets | 1.6703% | 4,670 |
| Net interest margin | 2.5381% | 7,383 |
| Noninterest income to average assets | 0.1780% | 6,810 |
| Noninterest expense to average assets | 8.3464% | 127 |
| Loan and lease loss provision to assets | 1.9749% | 1,100 |
| Net operating income to assets | -7.7955% | 7,925 |
| Return on assets (ROA) | -7.7955% | 7,919 |
| Pretax return on assets | -7.7955% | 7,906 |
| Return on Equity (ROE) | -29.0183% | 7,388 |
| Retained earnings to average equity (ytd only) | -29.0183% | 7,368 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 330.4521% | 57 |
| Assets per employee ($millions) | 2.9525% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 1,930 |
| Loan loss allowance to noncurrent loans | 120.7477% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2943% | 4,496 |
| Noncurrent loans to loans | 1.6920% | 4,106 |
| Net loans and leases to total assets | 74.9317% | 2,050 |
| Net loans and leases to deposits | 90.3873% | 2,162 |
| Net loans and leases to core deposits | 123.5411% | 1,674 |
| Total domestic deposits to total assets | 82.9007% | 4,564 |
| Equity capital to assets | 16.5090% | 618 |
| Core capital (leverage) ratio | 16.9433% | 496 |
| Tier 1 risk-based capital ratio | 21.6467% | 1,196 |
| Total risk-based capital ratio | 22.9070% | 1,172 |
| Memoranda: | ||
| Average total assets | $29,773,400 | 7,478 |
| Average earning assets | $27,539,800 | 7,444 |
| Average equity | $7,998,400 | 5,926 |
| Average total loans | $18,325,600 | 7,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 7,810 |
| Cost of funding earning assets | 1.6803% | 4,998 |
| Net interest margin | 2.2928% | 7,651 |
| Noninterest income to average assets | 0.1686% | 7,004 |
| Noninterest expense to average assets | 9.5473% | 107 |
| Loan and lease loss provision to assets | 1.3788% | 1,392 |
| Net operating income to assets | -8.6595% | 8,023 |
| Return on assets (ROA) | -8.6595% | 8,023 |
| Pretax return on assets | -8.6595% | 8,015 |
| Return on Equity (ROE) | -28.0745% | 7,564 |
| Retained earnings to average equity (ytd only) | -28.0745% | 7,550 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 421.2254% | 40 |
| Assets per employee ($millions) | 2.6693% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.0958% | 4,408 |
| Net loans and leases to deposits | 83.4600% | 3,741 |
| Net loans and leases to core deposits | 106.4747% | 3,646 |
| Total domestic deposits to total assets | 79.1945% | 5,739 |
| Equity capital to assets | 19.9358% | 345 |
| Core capital (leverage) ratio | 22.8866% | 211 |
| Tier 1 risk-based capital ratio | 28.7507% | 634 |
| Total risk-based capital ratio | 30.0019% | 618 |
| Memoranda: | ||
| Average total assets | $26,883,000 | 7,655 |
| Average earning assets | $24,598,000 | 7,626 |
| Average equity | $8,292,000 | 5,891 |
| Average total loans | $15,002,250 | 7,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 7,933 |
| Cost of funding earning assets | 1.6827% | 5,351 |
| Net interest margin | 2.2405% | 7,724 |
| Noninterest income to average assets | 0.1368% | 7,274 |
| Noninterest expense to average assets | 10.9974% | 103 |
| Loan and lease loss provision to assets | 1.7360% | 964 |
| Net operating income to assets | -10.5698% | 8,132 |
| Return on assets (ROA) | -10.5698% | 8,127 |
| Pretax return on assets | -10.5698% | 8,114 |
| Return on Equity (ROE) | -28.8358% | 7,693 |
| Retained earnings to average equity (ytd only) | -28.8358% | 7,668 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 508.3004% | 37 |
| Assets per employee ($millions) | 1.9881% | 7,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.2596% | 5,477 |
| Net loans and leases to deposits | 87.2129% | 3,318 |
| Net loans and leases to core deposits | 108.5913% | 3,542 |
| Total domestic deposits to total assets | 70.2414% | 7,445 |
| Equity capital to assets | 28.6161% | 152 |
| Core capital (leverage) ratio | 31.7069% | 126 |
| Tier 1 risk-based capital ratio | 40.4969% | 299 |
| Total risk-based capital ratio | 41.7494% | 293 |
| Memoranda: | ||
| Average total assets | $23,387,330 | 7,835 |
| Average earning assets | $21,156,330 | 7,820 |
| Average equity | $8,572,670 | 5,827 |
| Average total loans | $11,657,670 | 7,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9838% | 8,144 |
| Cost of funding earning assets | 1.7141% | 5,539 |
| Net interest margin | 1.2697% | 8,116 |
| Noninterest income to average assets | 0.0567% | 7,796 |
| Noninterest expense to average assets | 11.3400% | 94 |
| Loan and lease loss provision to assets | 1.7010% | 733 |
| Net operating income to assets | -11.8503% | 8,185 |
| Return on assets (ROA) | -11.8503% | 8,177 |
| Pretax return on assets | -11.8503% | 8,173 |
| Return on Equity (ROE) | -28.2544% | 7,891 |
| Retained earnings to average equity (ytd only) | -28.2544% | 7,834 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 952.3810% | 21 |
| Assets per employee ($millions) | 1.5579% | 8,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.8656% | 6,372 |
| Net loans and leases to deposits | 87.7009% | 3,339 |
| Net loans and leases to core deposits | 113.6211% | 3,045 |
| Total domestic deposits to total assets | 62.5599% | 7,893 |
| Equity capital to assets | 36.6441% | 101 |
| Core capital (leverage) ratio | 39.8706% | 95 |
| Tier 1 risk-based capital ratio | 54.7226% | 163 |
| Total risk-based capital ratio | 55.6685% | 163 |
| Memoranda: | ||
| Average total assets | $21,164,000 | 7,949 |
| Average earning assets | $18,902,000 | 7,933 |
| Average equity | $8,876,500 | 5,745 |
| Average total loans | $8,830,500 | 7,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6224% | 8,243 |
| Cost of funding earning assets | 0.3057% | 8,221 |
| Net interest margin | 1.3168% | 8,202 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 10.0019% | 141 |
| Loan and lease loss provision to assets | 0.4179% | 3,192 |
| Net operating income to assets | -9.2093% | 8,247 |
| Return on assets (ROA) | -9.2093% | 8,244 |
| Pretax return on assets | -9.2093% | 8,233 |
| Return on Equity (ROE) | -12.9953% | 7,494 |
| Retained earnings to average equity (ytd only) | -12.9953% | 7,330 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 826.1905% | 23 |
| Assets per employee ($millions) | 1.3543% | 8,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 4,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.4409% | 8,100 |
| Net loans and leases to deposits | 48.3918% | 7,696 |
| Net loans and leases to core deposits | 75.4723% | 6,889 |
| Total domestic deposits to total assets | 50.5063% | 8,120 |
| Equity capital to assets | 48.4705% | 81 |
| Core capital (leverage) ratio | 63.7265% | 54 |
| Tier 1 risk-based capital ratio | 104.7532% | 77 |
| Total risk-based capital ratio | 105.4143% | 77 |
| Memoranda: | ||
| Average total assets | $13,877,330 | 8,188 |
| Average earning assets | $12,758,670 | 8,171 |
| Average equity | $9,834,330 | 5,456 |
| Average total loans | $2,280,330 | 8,229 |