Home > Opportunity Bank > Performance and Condition Ratios
Opportunity Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 206 |
| Cost of funding earning assets | 0.8038% | 3,448 |
| Net interest margin | 5.5014% | 184 |
| Noninterest income to average assets | 0.1445% | 6,518 |
| Noninterest expense to average assets | 4.3794% | 608 |
| Loan and lease loss provision to assets | 0.3421% | 1,829 |
| Net operating income to assets | 0.1064% | 6,224 |
| Return on assets (ROA) | 0.1064% | 6,350 |
| Pretax return on assets | 0.1064% | 6,373 |
| Return on Equity (ROE) | 0.6935% | 6,406 |
| Retained earnings to average equity (ytd only) | 0.6935% | 5,784 |
| Net charge-offs to loans | 1.9629% | 484 |
| Credit loss provision to net charge-offs | 31.0345% | 3,607 |
| Earnings coverage of net charge-offs (x) | 0.4069% | 4,152 |
| Efficiency ratio | 90.7087% | 1,039 |
| Assets per employee ($millions) | 2.6727% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,337 |
| Loan loss allowance to noncurrent loans | 109.2593% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 4,360 |
| Noncurrent loans to loans | 1.3364% | 4,115 |
| Net loans and leases to total assets | 52.1430% | 4,999 |
| Net loans and leases to deposits | 61.9819% | 4,922 |
| Net loans and leases to core deposits | 68.3439% | 4,647 |
| Total domestic deposits to total assets | 84.1262% | 4,430 |
| Equity capital to assets | 15.3948% | 682 |
| Core capital (leverage) ratio | 14.6300% | 667 |
| Tier 1 risk-based capital ratio | 27.3399% | 700 |
| Total risk-based capital ratio | 28.6268% | 677 |
| Memoranda: | ||
| Average total assets | $52,609,500 | 6,285 |
| Average earning assets | $44,788,500 | 6,368 |
| Average equity | $8,075,000 | 5,569 |
| Average total loans | $29,548,000 | 6,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4515% | 193 |
| Cost of funding earning assets | 0.9991% | 3,390 |
| Net interest margin | 5.4524% | 193 |
| Noninterest income to average assets | 0.1722% | 6,251 |
| Noninterest expense to average assets | 6.4221% | 176 |
| Loan and lease loss provision to assets | 0.1921% | 4,261 |
| Net operating income to assets | -1.7927% | 6,985 |
| Return on assets (ROA) | -1.7891% | 7,003 |
| Pretax return on assets | -1.7891% | 6,974 |
| Return on Equity (ROE) | -11.7941% | 6,794 |
| Retained earnings to average equity (ytd only) | -11.7941% | 6,761 |
| Net charge-offs to loans | 0.0467% | 5,839 |
| Credit loss provision to net charge-offs | 706.6667% | 308 |
| Earnings coverage of net charge-offs (x) | -58.8667% | 6,428 |
| Efficiency ratio | 133.1955% | 217 |
| Assets per employee ($millions) | 2.7245% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,321 |
| Loan loss allowance to noncurrent loans | 96.9754% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 3,903 |
| Noncurrent loans to loans | 1.7169% | 3,583 |
| Net loans and leases to total assets | 58.5288% | 4,275 |
| Net loans and leases to deposits | 70.2090% | 4,060 |
| Net loans and leases to core deposits | 82.7588% | 3,070 |
| Total domestic deposits to total assets | 83.3636% | 4,603 |
| Equity capital to assets | 15.3015% | 720 |
| Core capital (leverage) ratio | 13.8051% | 871 |
| Tier 1 risk-based capital ratio | 23.3051% | 1,067 |
| Total risk-based capital ratio | 24.5673% | 1,042 |
| Memoranda: | ||
| Average total assets | $55,168,800 | 6,194 |
| Average earning assets | $47,043,200 | 6,291 |
| Average equity | $8,368,600 | 5,455 |
| Average total loans | $32,097,800 | 6,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4401% | 213 |
| Cost of funding earning assets | 1.0055% | 3,642 |
| Net interest margin | 5.4346% | 192 |
| Noninterest income to average assets | 0.1595% | 6,451 |
| Noninterest expense to average assets | 6.6094% | 158 |
| Loan and lease loss provision to assets | 0.2523% | 3,485 |
| Net operating income to assets | -2.0326% | 7,142 |
| Return on assets (ROA) | -2.0278% | 7,152 |
| Pretax return on assets | -2.0278% | 7,131 |
| Return on Equity (ROE) | -13.3951% | 6,977 |
| Retained earnings to average equity (ytd only) | -13.3951% | 6,953 |
| Net charge-offs to loans | 0.0658% | 5,304 |
| Credit loss provision to net charge-offs | 662.5000% | 409 |
| Earnings coverage of net charge-offs (x) | -46.7562% | 6,167 |
| Efficiency ratio | 136.8655% | 194 |
| Assets per employee ($millions) | 2.7403% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 3,580 |
| Loan loss allowance to noncurrent loans | 86.9270% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 3,864 |
| Noncurrent loans to loans | 1.8622% | 3,551 |
| Net loans and leases to total assets | 59.7645% | 4,170 |
| Net loans and leases to deposits | 72.0518% | 3,982 |
| Net loans and leases to core deposits | 84.3531% | 3,013 |
| Total domestic deposits to total assets | 82.9466% | 4,708 |
| Equity capital to assets | 15.4957% | 724 |
| Core capital (leverage) ratio | 13.9753% | 909 |
| Tier 1 risk-based capital ratio | 23.7721% | 1,040 |
| Total risk-based capital ratio | 25.0261% | 1,024 |
| Memoranda: | ||
| Average total assets | $56,019,500 | 6,213 |
| Average earning assets | $48,134,750 | 6,307 |
| Average equity | $8,480,500 | 5,438 |
| Average total loans | $32,419,500 | 6,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3434% | 261 |
| Cost of funding earning assets | 1.0321% | 3,729 |
| Net interest margin | 5.3114% | 241 |
| Noninterest income to average assets | 0.1360% | 6,646 |
| Noninterest expense to average assets | 6.7460% | 155 |
| Loan and lease loss provision to assets | 0.3697% | 2,573 |
| Net operating income to assets | -2.4382% | 7,259 |
| Return on assets (ROA) | -2.4312% | 7,261 |
| Pretax return on assets | -2.4312% | 7,239 |
| Return on Equity (ROE) | -16.1754% | 7,092 |
| Retained earnings to average equity (ytd only) | -16.1754% | 7,068 |
| Net charge-offs to loans | 0.1285% | 4,452 |
| Credit loss provision to net charge-offs | 504.7619% | 599 |
| Earnings coverage of net charge-offs (x) | -28.2381% | 5,850 |
| Efficiency ratio | 144.2207% | 180 |
| Assets per employee ($millions) | 2.2439% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 4,034 |
| Loan loss allowance to noncurrent loans | 62.9814% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 3,729 |
| Noncurrent loans to loans | 2.4136% | 2,976 |
| Net loans and leases to total assets | 60.9890% | 4,089 |
| Net loans and leases to deposits | 73.1547% | 3,924 |
| Net loans and leases to core deposits | 85.0488% | 3,069 |
| Total domestic deposits to total assets | 83.3699% | 4,599 |
| Equity capital to assets | 15.2988% | 746 |
| Core capital (leverage) ratio | 14.2154% | 818 |
| Tier 1 risk-based capital ratio | 21.3849% | 1,348 |
| Total risk-based capital ratio | 22.6442% | 1,328 |
| Memoranda: | ||
| Average total assets | $57,337,330 | 6,225 |
| Average earning assets | $49,027,000 | 6,338 |
| Average equity | $8,618,000 | 5,424 |
| Average total loans | $32,683,000 | 6,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9269% | 562 |
| Cost of funding earning assets | 1.0718% | 3,710 |
| Net interest margin | 4.8551% | 506 |
| Noninterest income to average assets | 0.1896% | 6,367 |
| Noninterest expense to average assets | 6.4253% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.1260% | 7,305 |
| Return on assets (ROA) | -2.1192% | 7,301 |
| Pretax return on assets | -2.1192% | 7,277 |
| Return on Equity (ROE) | -14.2152% | 7,133 |
| Retained earnings to average equity (ytd only) | -14.2152% | 7,020 |
| Net charge-offs to loans | 0.0989% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -39.2500% | 5,088 |
| Efficiency ratio | 149.4488% | 169 |
| Assets per employee ($millions) | 2.3166% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,566 |
| Loan loss allowance to noncurrent loans | 42.6804% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.1929% | 3,073 |
| Noncurrent loans to loans | 2.8432% | 2,655 |
| Net loans and leases to total assets | 58.1939% | 4,611 |
| Net loans and leases to deposits | 69.4206% | 4,445 |
| Net loans and leases to core deposits | 73.9279% | 4,538 |
| Total domestic deposits to total assets | 83.8280% | 4,557 |
| Equity capital to assets | 14.9132% | 784 |
| Core capital (leverage) ratio | 14.2060% | 805 |
| Tier 1 risk-based capital ratio | 21.9506% | 1,239 |
| Total risk-based capital ratio | 23.1099% | 1,219 |
| Memoranda: | ||
| Average total assets | $59,079,000 | 6,216 |
| Average earning assets | $50,009,500 | 6,343 |
| Average equity | $8,807,500 | 5,384 |
| Average total loans | $32,348,500 | 6,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 2,170 |
| Cost of funding earning assets | 1.6132% | 1,992 |
| Net interest margin | 3.9148% | 3,420 |
| Noninterest income to average assets | 0.1229% | 6,788 |
| Noninterest expense to average assets | 5.7072% | 271 |
| Loan and lease loss provision to assets | 2.6374% | 407 |
| Net operating income to assets | -4.8105% | 7,522 |
| Return on assets (ROA) | -4.8009% | 7,528 |
| Pretax return on assets | -4.8009% | 7,526 |
| Return on Equity (ROE) | -29.6051% | 7,224 |
| Retained earnings to average equity (ytd only) | -29.6051% | 7,211 |
| Net charge-offs to loans | 4.8860% | 191 |
| Credit loss provision to net charge-offs | 94.1344% | 4,936 |
| Earnings coverage of net charge-offs (x) | -0.7756% | 6,545 |
| Efficiency ratio | 161.4898% | 160 |
| Assets per employee ($millions) | 2.7383% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,614 |
| Loan loss allowance to noncurrent loans | 49.4725% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 3,454 |
| Noncurrent loans to loans | 2.7894% | 2,731 |
| Net loans and leases to total assets | 50.0606% | 6,164 |
| Net loans and leases to deposits | 59.3661% | 6,118 |
| Net loans and leases to core deposits | 63.3571% | 6,114 |
| Total domestic deposits to total assets | 84.3251% | 4,212 |
| Equity capital to assets | 14.9030% | 813 |
| Core capital (leverage) ratio | 12.9047% | 1,157 |
| Tier 1 risk-based capital ratio | 22.8053% | 1,066 |
| Total risk-based capital ratio | 23.9859% | 1,053 |
| Memoranda: | ||
| Average total assets | $62,675,200 | 6,103 |
| Average earning assets | $54,613,400 | 6,191 |
| Average equity | $10,163,800 | 5,086 |
| Average total loans | $35,939,200 | 6,114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 2,301 |
| Cost of funding earning assets | 1.6361% | 2,176 |
| Net interest margin | 3.9010% | 3,516 |
| Noninterest income to average assets | 0.1791% | 6,598 |
| Noninterest expense to average assets | 5.4505% | 277 |
| Loan and lease loss provision to assets | 1.0850% | 1,340 |
| Net operating income to assets | -2.9454% | 7,441 |
| Return on assets (ROA) | -2.9328% | 7,445 |
| Pretax return on assets | -2.9328% | 7,404 |
| Return on Equity (ROE) | -17.7429% | 7,173 |
| Retained earnings to average equity (ytd only) | -17.7429% | 7,154 |
| Net charge-offs to loans | 2.3856% | 728 |
| Credit loss provision to net charge-offs | 77.2114% | 5,220 |
| Earnings coverage of net charge-offs (x) | -1.3238% | 6,488 |
| Efficiency ratio | 151.8192% | 197 |
| Assets per employee ($millions) | 2.9704% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,948 |
| Loan loss allowance to noncurrent loans | 16.6667% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 4.9595% | 1,302 |
| Noncurrent loans to loans | 6.5946% | 898 |
| Net loans and leases to total assets | 51.3612% | 6,177 |
| Net loans and leases to deposits | 61.8372% | 6,129 |
| Net loans and leases to core deposits | 66.0813% | 6,116 |
| Total domestic deposits to total assets | 83.0587% | 4,573 |
| Equity capital to assets | 16.2344% | 633 |
| Core capital (leverage) ratio | 15.4906% | 639 |
| Tier 1 risk-based capital ratio | 23.1498% | 1,045 |
| Total risk-based capital ratio | 24.0337% | 1,067 |
| Memoranda: | ||
| Average total assets | $63,283,250 | 6,153 |
| Average earning assets | $55,334,750 | 6,223 |
| Average equity | $10,460,250 | 5,070 |
| Average total loans | $37,279,000 | 6,128 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6442% | 1,964 |
| Cost of funding earning assets | 1.7111% | 2,064 |
| Net interest margin | 3.9330% | 3,309 |
| Noninterest income to average assets | 0.1789% | 6,626 |
| Noninterest expense to average assets | 5.3327% | 302 |
| Loan and lease loss provision to assets | 1.3260% | 1,026 |
| Net operating income to assets | -3.0354% | 7,516 |
| Return on assets (ROA) | -3.0322% | 7,520 |
| Pretax return on assets | -3.0322% | 7,474 |
| Return on Equity (ROE) | -18.2313% | 7,233 |
| Retained earnings to average equity (ytd only) | -18.2313% | 7,206 |
| Net charge-offs to loans | 1.1773% | 1,616 |
| Credit loss provision to net charge-offs | 183.6283% | 2,147 |
| Earnings coverage of net charge-offs (x) | -2.3673% | 6,232 |
| Efficiency ratio | 147.1781% | 219 |
| Assets per employee ($millions) | 3.4797% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 2,157 |
| Loan loss allowance to noncurrent loans | 39.8215% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 4.4640% | 1,493 |
| Noncurrent loans to loans | 5.0401% | 1,365 |
| Net loans and leases to total assets | 55.6583% | 5,759 |
| Net loans and leases to deposits | 68.1491% | 5,544 |
| Net loans and leases to core deposits | 72.7271% | 5,594 |
| Total domestic deposits to total assets | 81.6713% | 5,121 |
| Equity capital to assets | 17.7028% | 446 |
| Core capital (leverage) ratio | 16.1340% | 549 |
| Tier 1 risk-based capital ratio | 24.2733% | 914 |
| Total risk-based capital ratio | 25.5283% | 891 |
| Memoranda: | ||
| Average total assets | $62,594,670 | 6,210 |
| Average earning assets | $54,817,670 | 6,288 |
| Average equity | $10,410,670 | 5,083 |
| Average total loans | $38,393,000 | 6,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 1,999 |
| Cost of funding earning assets | 1.7485% | 2,133 |
| Net interest margin | 3.8887% | 3,381 |
| Noninterest income to average assets | 0.1854% | 6,630 |
| Noninterest expense to average assets | 5.8809% | 230 |
| Loan and lease loss provision to assets | 0.3196% | 3,502 |
| Net operating income to assets | -2.5889% | 7,572 |
| Return on assets (ROA) | -2.5825% | 7,572 |
| Pretax return on assets | -2.5825% | 7,528 |
| Return on Equity (ROE) | -16.0445% | 7,341 |
| Retained earnings to average equity (ytd only) | -16.0445% | 7,248 |
| Net charge-offs to loans | -0.2914% | 7,736 |
| Credit loss provision to net charge-offs | -172.4138% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.8319% | 168 |
| Assets per employee ($millions) | 3.3718% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,716 |
| Loan loss allowance to noncurrent loans | 28.5714% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 5.0403% | 1,270 |
| Noncurrent loans to loans | 5.3763% | 1,316 |
| Net loans and leases to total assets | 60.4349% | 5,047 |
| Net loans and leases to deposits | 71.9781% | 5,052 |
| Net loans and leases to core deposits | 76.5385% | 5,186 |
| Total domestic deposits to total assets | 83.9629% | 4,162 |
| Equity capital to assets | 15.3940% | 785 |
| Core capital (leverage) ratio | 14.3689% | 883 |
| Tier 1 risk-based capital ratio | 19.9535% | 1,534 |
| Total risk-based capital ratio | 21.2051% | 1,500 |
| Memoranda: | ||
| Average total assets | $62,575,000 | 6,284 |
| Average earning assets | $55,134,500 | 6,357 |
| Average equity | $10,072,000 | 5,217 |
| Average total loans | $39,802,000 | 6,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 5,698 |
| Cost of funding earning assets | 2.1787% | 2,118 |
| Net interest margin | 3.0100% | 6,617 |
| Noninterest income to average assets | 0.1899% | 6,732 |
| Noninterest expense to average assets | 4.5040% | 799 |
| Loan and lease loss provision to assets | 3.2874% | 489 |
| Net operating income to assets | -4.9100% | 7,736 |
| Return on assets (ROA) | -4.9217% | 7,732 |
| Pretax return on assets | -4.9217% | 7,691 |
| Return on Equity (ROE) | -28.3856% | 7,373 |
| Retained earnings to average equity (ytd only) | -28.3856% | 7,354 |
| Net charge-offs to loans | 5.7020% | 192 |
| Credit loss provision to net charge-offs | 96.7756% | 5,742 |
| Earnings coverage of net charge-offs (x) | -0.4776% | 6,675 |
| Efficiency ratio | 156.3102% | 271 |
| Assets per employee ($millions) | 3.2151% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,741 |
| Loan loss allowance to noncurrent loans | 15.9672% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 5.3826% | 1,092 |
| Noncurrent loans to loans | 8.1623% | 607 |
| Net loans and leases to total assets | 65.0853% | 4,357 |
| Net loans and leases to deposits | 78.8411% | 4,205 |
| Net loans and leases to core deposits | 110.2246% | 2,870 |
| Total domestic deposits to total assets | 82.5525% | 4,726 |
| Equity capital to assets | 16.8320% | 576 |
| Core capital (leverage) ratio | 15.2540% | 733 |
| Tier 1 risk-based capital ratio | 20.9066% | 1,311 |
| Total risk-based capital ratio | 22.0731% | 1,289 |
| Memoranda: | ||
| Average total assets | $68,472,600 | 6,056 |
| Average earning assets | $61,228,400 | 6,085 |
| Average equity | $11,872,200 | 4,778 |
| Average total loans | $40,792,600 | 6,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 6,068 |
| Cost of funding earning assets | 2.2591% | 2,156 |
| Net interest margin | 2.9006% | 6,856 |
| Noninterest income to average assets | 0.2029% | 6,768 |
| Noninterest expense to average assets | 4.3439% | 863 |
| Loan and lease loss provision to assets | 3.8338% | 320 |
| Net operating income to assets | -5.3772% | 7,876 |
| Return on assets (ROA) | -5.3772% | 7,873 |
| Pretax return on assets | -5.3772% | 7,851 |
| Return on Equity (ROE) | -30.8176% | 7,625 |
| Retained earnings to average equity (ytd only) | -30.8176% | 7,609 |
| Net charge-offs to loans | 6.0181% | 147 |
| Credit loss provision to net charge-offs | 109.4748% | 4,647 |
| Earnings coverage of net charge-offs (x) | -0.4407% | 6,453 |
| Efficiency ratio | 155.1117% | 289 |
| Assets per employee ($millions) | 3.2604% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 1,903 |
| Loan loss allowance to noncurrent loans | 44.9275% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.7846% | 2,490 |
| Noncurrent loans to loans | 4.3493% | 1,635 |
| Net loans and leases to total assets | 62.7746% | 5,110 |
| Net loans and leases to deposits | 76.3568% | 4,977 |
| Net loans and leases to core deposits | 107.5236% | 3,532 |
| Total domestic deposits to total assets | 82.2122% | 4,580 |
| Equity capital to assets | 17.3552% | 582 |
| Core capital (leverage) ratio | 14.9799% | 861 |
| Tier 1 risk-based capital ratio | 20.8581% | 1,385 |
| Total risk-based capital ratio | 22.1119% | 1,361 |
| Memoranda: | ||
| Average total assets | $70,319,250 | 6,032 |
| Average earning assets | $62,973,250 | 6,072 |
| Average equity | $12,269,750 | 4,727 |
| Average total loans | $40,920,000 | 6,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 6,543 |
| Cost of funding earning assets | 2.3357% | 2,217 |
| Net interest margin | 2.7351% | 7,130 |
| Noninterest income to average assets | 0.2161% | 6,755 |
| Noninterest expense to average assets | 4.1691% | 1,106 |
| Loan and lease loss provision to assets | 0.5471% | 2,832 |
| Net operating income to assets | -2.0462% | 7,442 |
| Return on assets (ROA) | -2.0462% | 7,434 |
| Pretax return on assets | -2.0462% | 7,302 |
| Return on Equity (ROE) | -11.7095% | 7,155 |
| Retained earnings to average equity (ytd only) | -11.7095% | 7,033 |
| Net charge-offs to loans | 0.4838% | 2,892 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | -5.4800% | 6,465 |
| Efficiency ratio | 156.1475% | 343 |
| Assets per employee ($millions) | 3.7358% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,157 |
| Loan loss allowance to noncurrent loans | 40.1376% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 2.4570% | 2,622 |
| Noncurrent loans to loans | 4.3796% | 1,480 |
| Net loans and leases to total assets | 55.1147% | 6,325 |
| Net loans and leases to deposits | 67.3594% | 6,260 |
| Net loans and leases to core deposits | 102.3681% | 4,251 |
| Total domestic deposits to total assets | 81.8219% | 4,764 |
| Equity capital to assets | 17.8132% | 570 |
| Core capital (leverage) ratio | 15.8232% | 768 |
| Tier 1 risk-based capital ratio | 24.0117% | 1,036 |
| Total risk-based capital ratio | 25.2443% | 1,016 |
| Memoranda: | ||
| Average total assets | $73,110,000 | 6,002 |
| Average earning assets | $65,590,670 | 6,021 |
| Average equity | $12,776,000 | 4,604 |
| Average total loans | $41,339,330 | 6,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 7,048 |
| Cost of funding earning assets | 2.4623% | 2,060 |
| Net interest margin | 2.4924% | 7,513 |
| Noninterest income to average assets | 0.2427% | 6,516 |
| Noninterest expense to average assets | 4.4651% | 735 |
| Loan and lease loss provision to assets | 0.5932% | 2,123 |
| Net operating income to assets | -2.5777% | 7,780 |
| Return on assets (ROA) | -2.5777% | 7,779 |
| Pretax return on assets | -2.5777% | 7,676 |
| Return on Equity (ROE) | -14.8886% | 7,599 |
| Retained earnings to average equity (ytd only) | -14.8886% | 7,431 |
| Net charge-offs to loans | 0.9502% | 1,400 |
| Credit loss provision to net charge-offs | 110.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | -3.6800% | 5,532 |
| Efficiency ratio | 180.0000% | 238 |
| Assets per employee ($millions) | 4.1697% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,353 |
| 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 | 53.1347% | 6,567 |
| Net loans and leases to deposits | 63.3613% | 6,617 |
| Net loans and leases to core deposits | 91.3879% | 5,414 |
| Total domestic deposits to total assets | 83.8599% | 3,771 |
| Equity capital to assets | 15.7854% | 912 |
| Core capital (leverage) ratio | 16.6657% | 692 |
| Tier 1 risk-based capital ratio | 24.0139% | 1,079 |
| Total risk-based capital ratio | 25.2599% | 1,053 |
| Memoranda: | ||
| Average total assets | $74,174,500 | 5,999 |
| Average earning assets | $66,603,500 | 6,017 |
| Average equity | $12,842,000 | 4,616 |
| Average total loans | $42,098,500 | 6,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1768% | 782 |
| Cost of funding earning assets | 3.1565% | 1,332 |
| Net interest margin | 4.0203% | 3,025 |
| Noninterest income to average assets | 0.2288% | 6,797 |
| Noninterest expense to average assets | 5.8986% | 417 |
| Loan and lease loss provision to assets | 0.6617% | 2,193 |
| Net operating income to assets | -2.8472% | 7,783 |
| Return on assets (ROA) | -2.8472% | 7,756 |
| Pretax return on assets | -2.8472% | 7,668 |
| Return on Equity (ROE) | -10.8773% | 7,338 |
| Retained earnings to average equity (ytd only) | -10.8773% | 7,153 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.8595% | 315 |
| Assets per employee ($millions) | 3.4562% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,943 |
| 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 | 59.1560% | 6,034 |
| Net loans and leases to deposits | 73.3866% | 5,906 |
| Net loans and leases to core deposits | 104.5218% | 4,344 |
| Total domestic deposits to total assets | 80.6088% | 4,801 |
| Equity capital to assets | 19.0643% | 537 |
| Core capital (leverage) ratio | 20.2903% | 421 |
| Tier 1 risk-based capital ratio | 25.5968% | 939 |
| Total risk-based capital ratio | 26.8325% | 912 |
| Memoranda: | ||
| Average total assets | $52,893,600 | 6,666 |
| Average earning assets | $45,842,000 | 6,776 |
| Average equity | $13,845,400 | 4,376 |
| Average total loans | $29,440,400 | 6,746 |