Home > Pacific Rim Bank > Performance and Condition Ratios
Pacific Rim Bank, Performance and Condition Ratios
| 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 | 3.4705% | 5,033 |
| Cost of funding earning assets | 0.3265% | 4,145 |
| Net interest margin | 3.1440% | 4,807 |
| Noninterest income to average assets | 0.1026% | 6,070 |
| Noninterest expense to average assets | 3.7528% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7462% | 6,283 |
| Return on assets (ROA) | -0.7462% | 6,290 |
| Pretax return on assets | -0.7462% | 6,279 |
| Return on Equity (ROE) | -9.9657% | 6,318 |
| Retained earnings to average equity (ytd only) | -9.9657% | 6,135 |
| Net charge-offs to loans | 1.3956% | 145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.8727% | 3,166 |
| Efficiency ratio | 124.8190% | 100 |
| Assets per employee ($millions) | 5.6898% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5451% | 501 |
| Loan loss allowance to noncurrent loans | 8,708.6957% | 77 |
| Noncurrent assets plus other real estate owned to assets | 3.3600% | 512 |
| Noncurrent loans to loans | 0.0292% | 5,684 |
| Net loans and leases to total assets | 58.6070% | 3,860 |
| Net loans and leases to deposits | 63.4092% | 4,437 |
| Net loans and leases to core deposits | 65.8736% | 4,529 |
| Total domestic deposits to total assets | 92.4265% | 104 |
| Equity capital to assets | 7.2838% | 6,224 |
| Core capital (leverage) ratio | 7.4148% | 6,172 |
| Tier 1 risk-based capital ratio | 11.1589% | 5,732 |
| Total risk-based capital ratio | 12.4233% | 5,639 |
| Memoranda: | ||
| Average total assets | $128,649,500 | 4,015 |
| Average earning assets | $118,830,000 | 3,999 |
| Average equity | $9,633,000 | 4,860 |
| Average total loans | $78,818,000 | 3,936 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 4,573 |
| Cost of funding earning assets | 0.3222% | 4,559 |
| Net interest margin | 3.4499% | 3,981 |
| Noninterest income to average assets | 0.3218% | 4,816 |
| Noninterest expense to average assets | 3.8431% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6682% | 6,334 |
| Return on assets (ROA) | -0.6682% | 6,326 |
| Pretax return on assets | -0.3464% | 6,233 |
| Return on Equity (ROE) | -8.2824% | 6,341 |
| Retained earnings to average equity (ytd only) | -8.2824% | 6,276 |
| Net charge-offs to loans | -0.0235% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9050% | 223 |
| Assets per employee ($millions) | 5.0574% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8858% | 337 |
| Loan loss allowance to noncurrent loans | 723.1746% | 787 |
| Noncurrent assets plus other real estate owned to assets | 3.7087% | 484 |
| Noncurrent loans to loans | 0.3991% | 4,446 |
| Net loans and leases to total assets | 60.6316% | 3,703 |
| Net loans and leases to deposits | 65.9415% | 4,332 |
| Net loans and leases to core deposits | 68.0784% | 4,496 |
| Total domestic deposits to total assets | 91.9476% | 155 |
| Equity capital to assets | 7.6989% | 6,178 |
| Core capital (leverage) ratio | 7.9016% | 6,052 |
| Tier 1 risk-based capital ratio | 12.6036% | 4,975 |
| Total risk-based capital ratio | 13.8759% | 4,871 |
| Memoranda: | ||
| Average total assets | $126,461,000 | 4,047 |
| Average earning assets | $116,380,400 | 4,045 |
| Average equity | $10,202,400 | 4,710 |
| Average total loans | $80,975,800 | 3,851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,858 |
| Cost of funding earning assets | 0.3269% | 4,597 |
| Net interest margin | 3.3735% | 4,338 |
| Noninterest income to average assets | 0.3901% | 4,323 |
| Noninterest expense to average assets | 3.8586% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.3658% | 6,329 |
| Return on assets (ROA) | -0.3658% | 6,331 |
| Pretax return on assets | -0.3679% | 6,319 |
| Return on Equity (ROE) | -4.4834% | 6,354 |
| Retained earnings to average equity (ytd only) | -4.4834% | 6,234 |
| Net charge-offs to loans | -0.0311% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5406% | 213 |
| Assets per employee ($millions) | 5.0459% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8742% | 408 |
| Loan loss allowance to noncurrent loans | 254.2411% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 4.0420% | 481 |
| Noncurrent loans to loans | 1.1305% | 2,798 |
| Net loans and leases to total assets | 63.5646% | 3,252 |
| Net loans and leases to deposits | 69.6779% | 3,956 |
| Net loans and leases to core deposits | 72.1382% | 4,142 |
| Total domestic deposits to total assets | 91.2264% | 298 |
| Equity capital to assets | 8.4251% | 5,857 |
| Core capital (leverage) ratio | 7.9934% | 6,073 |
| Tier 1 risk-based capital ratio | 12.3717% | 5,250 |
| Total risk-based capital ratio | 13.6245% | 5,177 |
| Memoranda: | ||
| Average total assets | $126,467,750 | 4,076 |
| Average earning assets | $116,237,750 | 4,082 |
| Average equity | $10,319,500 | 4,725 |
| Average total loans | $81,485,500 | 3,859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,832 |
| Cost of funding earning assets | 0.3239% | 4,713 |
| Net interest margin | 3.3844% | 4,242 |
| Noninterest income to average assets | 0.2323% | 5,533 |
| Noninterest expense to average assets | 3.8314% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4865% | 6,434 |
| Return on assets (ROA) | -0.4865% | 6,433 |
| Pretax return on assets | -0.4865% | 6,416 |
| Return on Equity (ROE) | -6.0241% | 6,458 |
| Retained earnings to average equity (ytd only) | -6.0241% | 6,298 |
| Net charge-offs to loans | -0.0803% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5455% | 188 |
| Assets per employee ($millions) | 5.2226% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8281% | 460 |
| Loan loss allowance to noncurrent loans | 255.5184% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 3.9061% | 563 |
| Noncurrent loans to loans | 1.1068% | 3,010 |
| Net loans and leases to total assets | 62.8297% | 3,268 |
| Net loans and leases to deposits | 68.6729% | 3,970 |
| Net loans and leases to core deposits | 71.0028% | 4,153 |
| Total domestic deposits to total assets | 91.4913% | 268 |
| Equity capital to assets | 8.1720% | 6,046 |
| Core capital (leverage) ratio | 7.9442% | 6,135 |
| Tier 1 risk-based capital ratio | 12.3790% | 5,313 |
| Total risk-based capital ratio | 13.6506% | 5,219 |
| Memoranda: | ||
| Average total assets | $128,256,330 | 4,069 |
| Average earning assets | $117,951,670 | 4,066 |
| Average equity | $10,358,330 | 4,730 |
| Average total loans | $82,228,670 | 3,849 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6659% | 4,959 |
| Cost of funding earning assets | 0.3247% | 4,795 |
| Net interest margin | 3.3412% | 4,365 |
| Noninterest income to average assets | 0.0833% | 6,382 |
| Noninterest expense to average assets | 4.0212% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8604% | 6,552 |
| Return on assets (ROA) | -0.8604% | 6,551 |
| Pretax return on assets | -0.8604% | 6,541 |
| Return on Equity (ROE) | -10.7143% | 6,571 |
| Retained earnings to average equity (ytd only) | -10.7143% | 6,385 |
| Net charge-offs to loans | -0.0435% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2195% | 136 |
| Assets per employee ($millions) | 5.5866% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7054% | 620 |
| Loan loss allowance to noncurrent loans | 125.5814% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 4.5178% | 482 |
| Noncurrent loans to loans | 2.1543% | 1,697 |
| Net loans and leases to total assets | 63.4787% | 2,985 |
| Net loans and leases to deposits | 69.2496% | 3,699 |
| Net loans and leases to core deposits | 71.5081% | 3,922 |
| Total domestic deposits to total assets | 91.6664% | 338 |
| Equity capital to assets | 8.0028% | 6,058 |
| Core capital (leverage) ratio | 7.7952% | 6,222 |
| Tier 1 risk-based capital ratio | 12.0898% | 5,577 |
| Total risk-based capital ratio | 13.3606% | 5,501 |
| Memoranda: | ||
| Average total assets | $129,713,500 | 4,075 |
| Average earning assets | $119,479,500 | 4,052 |
| Average equity | $10,416,000 | 4,747 |
| Average total loans | $82,821,000 | 3,865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 5,493 |
| Cost of funding earning assets | 0.3654% | 4,999 |
| Net interest margin | 3.1997% | 5,006 |
| Noninterest income to average assets | 0.2651% | 5,448 |
| Noninterest expense to average assets | 3.4587% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2674% | 6,399 |
| Return on assets (ROA) | -0.2681% | 6,418 |
| Pretax return on assets | -0.2696% | 6,398 |
| Return on Equity (ROE) | -3.6868% | 6,453 |
| Retained earnings to average equity (ytd only) | -3.6868% | 6,309 |
| Net charge-offs to loans | -0.1101% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4281% | 295 |
| Assets per employee ($millions) | 5.9516% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7613% | 631 |
| Loan loss allowance to noncurrent loans | 241.6043% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 3.6430% | 777 |
| Noncurrent loans to loans | 1.1429% | 3,257 |
| Net loans and leases to total assets | 60.7553% | 3,581 |
| Net loans and leases to deposits | 66.3586% | 4,256 |
| Net loans and leases to core deposits | 68.4808% | 4,453 |
| Total domestic deposits to total assets | 91.5561% | 386 |
| Equity capital to assets | 8.0567% | 5,973 |
| Core capital (leverage) ratio | 7.7775% | 6,255 |
| Tier 1 risk-based capital ratio | 12.8710% | 5,066 |
| Total risk-based capital ratio | 14.1420% | 4,998 |
| Memoranda: | ||
| Average total assets | $135,020,800 | 3,983 |
| Average earning assets | $123,416,200 | 3,982 |
| Average equity | $9,818,800 | 4,890 |
| Average total loans | $79,954,000 | 3,941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 5,534 |
| Cost of funding earning assets | 0.3721% | 5,078 |
| Net interest margin | 3.1942% | 5,021 |
| Noninterest income to average assets | 0.3215% | 5,116 |
| Noninterest expense to average assets | 3.5410% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3087% | 6,527 |
| Return on assets (ROA) | -0.3097% | 6,540 |
| Pretax return on assets | -0.3097% | 6,520 |
| Return on Equity (ROE) | -4.3722% | 6,586 |
| Retained earnings to average equity (ytd only) | -4.3722% | 6,466 |
| Net charge-offs to loans | -0.1308% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5512% | 272 |
| Assets per employee ($millions) | 6.4393% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7691% | 692 |
| Loan loss allowance to noncurrent loans | 227.6316% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 3.5799% | 930 |
| Noncurrent loans to loans | 1.2165% | 3,383 |
| Net loans and leases to total assets | 58.3985% | 3,942 |
| Net loans and leases to deposits | 63.5241% | 4,566 |
| Net loans and leases to core deposits | 66.2089% | 4,694 |
| Total domestic deposits to total assets | 91.9313% | 253 |
| Equity capital to assets | 7.6206% | 6,342 |
| Core capital (leverage) ratio | 7.5833% | 6,418 |
| Tier 1 risk-based capital ratio | 13.1295% | 5,032 |
| Total risk-based capital ratio | 14.3930% | 4,976 |
| Memoranda: | ||
| Average total assets | $136,042,250 | 3,992 |
| Average earning assets | $123,972,500 | 4,001 |
| Average equity | $9,636,250 | 4,990 |
| Average total loans | $79,490,250 | 3,988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3650% | 5,982 |
| Cost of funding earning assets | 0.3560% | 5,345 |
| Net interest margin | 3.0089% | 5,552 |
| Noninterest income to average assets | 0.4416% | 4,233 |
| Noninterest expense to average assets | 3.5051% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3127% | 6,556 |
| Return on assets (ROA) | -0.3140% | 6,587 |
| Pretax return on assets | -0.3492% | 6,574 |
| Return on Equity (ROE) | -4.5467% | 6,629 |
| Retained earnings to average equity (ytd only) | -4.5467% | 6,429 |
| Net charge-offs to loans | -0.0760% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0130% | 262 |
| Assets per employee ($millions) | 6.6042% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7486% | 751 |
| Loan loss allowance to noncurrent loans | 220.7623% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 3.5266% | 1,086 |
| Noncurrent loans to loans | 1.2451% | 3,465 |
| Net loans and leases to total assets | 56.1512% | 4,259 |
| Net loans and leases to deposits | 60.4183% | 4,926 |
| Net loans and leases to core deposits | 62.6841% | 5,039 |
| Total domestic deposits to total assets | 92.9374% | 127 |
| Equity capital to assets | 6.6502% | 6,661 |
| Core capital (leverage) ratio | 6.7988% | 6,661 |
| Tier 1 risk-based capital ratio | 12.0451% | 5,771 |
| Total risk-based capital ratio | 13.3082% | 5,711 |
| Memoranda: | ||
| Average total assets | $136,314,330 | 4,015 |
| Average earning assets | $123,033,000 | 4,062 |
| Average equity | $9,413,330 | 5,081 |
| Average total loans | $78,914,000 | 4,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,824 |
| Cost of funding earning assets | 0.3871% | 5,225 |
| Net interest margin | 3.0667% | 5,380 |
| Noninterest income to average assets | 0.8052% | 2,106 |
| Noninterest expense to average assets | 3.1999% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4766% | 4,790 |
| Return on assets (ROA) | 0.4766% | 4,955 |
| Pretax return on assets | 0.3256% | 5,789 |
| Return on Equity (ROE) | 6.7729% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.7729% | 2,266 |
| Net charge-offs to loans | -0.0970% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7641% | 1,076 |
| Assets per employee ($millions) | 6.9052% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8134% | 812 |
| Loan loss allowance to noncurrent loans | 131.7690% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 4.0998% | 956 |
| Noncurrent loans to loans | 2.1351% | 2,456 |
| Net loans and leases to total assets | 54.7783% | 4,279 |
| Net loans and leases to deposits | 59.1023% | 4,899 |
| Net loans and leases to core deposits | 61.7635% | 4,972 |
| Total domestic deposits to total assets | 92.6838% | 156 |
| Equity capital to assets | 6.9426% | 6,724 |
| Core capital (leverage) ratio | 7.0675% | 6,623 |
| Tier 1 risk-based capital ratio | 12.6212% | 5,502 |
| Total risk-based capital ratio | 13.8933% | 5,430 |
| Memoranda: | ||
| Average total assets | $135,127,500 | 4,083 |
| Average earning assets | $119,870,000 | 4,154 |
| Average equity | $9,508,500 | 5,109 |
| Average total loans | $78,333,000 | 4,057 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 4,816 |
| Cost of funding earning assets | 0.4573% | 5,522 |
| Net interest margin | 3.6790% | 3,746 |
| Noninterest income to average assets | 0.3823% | 4,733 |
| Noninterest expense to average assets | 3.1356% | 2,825 |
| Loan and lease loss provision to assets | 0.0446% | 5,292 |
| Net operating income to assets | 0.7965% | 3,304 |
| Return on assets (ROA) | 0.7965% | 3,549 |
| Pretax return on assets | 0.4931% | 5,298 |
| Return on Equity (ROE) | 12.1801% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.1801% | 307 |
| Net charge-offs to loans | -0.0130% | 6,505 |
| Credit loss provision to net charge-offs | -545.4545% | 6,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3614% | 1,484 |
| Assets per employee ($millions) | 6.6076% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7542% | 871 |
| Loan loss allowance to noncurrent loans | 414.3130% | 964 |
| Noncurrent assets plus other real estate owned to assets | 3.4234% | 1,330 |
| Noncurrent loans to loans | 0.6648% | 4,868 |
| Net loans and leases to total assets | 58.0049% | 3,979 |
| Net loans and leases to deposits | 62.7560% | 4,687 |
| Net loans and leases to core deposits | 65.4379% | 4,796 |
| Total domestic deposits to total assets | 92.4291% | 177 |
| Equity capital to assets | 7.1350% | 6,741 |
| Core capital (leverage) ratio | 7.1095% | 6,666 |
| Tier 1 risk-based capital ratio | 12.5726% | 5,424 |
| Total risk-based capital ratio | 13.8442% | 5,350 |
| Memoranda: | ||
| Average total assets | $134,457,600 | 4,049 |
| Average earning assets | $120,276,800 | 4,106 |
| Average equity | $8,793,000 | 5,272 |
| Average total loans | $84,902,400 | 3,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 4,927 |
| Cost of funding earning assets | 0.4695% | 5,648 |
| Net interest margin | 3.6985% | 3,797 |
| Noninterest income to average assets | 0.5510% | 3,605 |
| Noninterest expense to average assets | 3.2050% | 2,548 |
| Loan and lease loss provision to assets | 0.0592% | 4,986 |
| Net operating income to assets | 0.6003% | 4,392 |
| Return on assets (ROA) | 0.6003% | 4,656 |
| Pretax return on assets | 0.6003% | 5,166 |
| Return on Equity (ROE) | 9.3890% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.3890% | 1,097 |
| Net charge-offs to loans | -0.0540% | 6,730 |
| Credit loss provision to net charge-offs | -171.4286% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9331% | 1,708 |
| Assets per employee ($millions) | 6.7824% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5917% | 1,091 |
| Loan loss allowance to noncurrent loans | 318.1159% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 3.4575% | 1,454 |
| Noncurrent loans to loans | 0.8147% | 4,784 |
| Net loans and leases to total assets | 60.8192% | 3,606 |
| Net loans and leases to deposits | 65.4388% | 4,543 |
| Net loans and leases to core deposits | 68.0401% | 4,721 |
| Total domestic deposits to total assets | 92.9406% | 118 |
| Equity capital to assets | 6.6083% | 6,929 |
| Core capital (leverage) ratio | 6.6517% | 6,855 |
| Tier 1 risk-based capital ratio | 11.1325% | 6,427 |
| Total risk-based capital ratio | 12.4018% | 6,390 |
| Memoranda: | ||
| Average total assets | $135,034,250 | 4,079 |
| Average earning assets | $120,982,750 | 4,132 |
| Average equity | $8,634,000 | 5,370 |
| Average total loans | $86,421,750 | 3,878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 4,526 |
| Cost of funding earning assets | 0.4952% | 5,656 |
| Net interest margin | 3.8152% | 3,290 |
| Noninterest income to average assets | 0.4554% | 4,251 |
| Noninterest expense to average assets | 3.2752% | 2,373 |
| Loan and lease loss provision to assets | 0.0890% | 4,456 |
| Net operating income to assets | 0.4969% | 4,830 |
| Return on assets (ROA) | 0.4969% | 5,085 |
| Pretax return on assets | 0.4969% | 5,438 |
| Return on Equity (ROE) | 7.8602% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.8602% | 1,696 |
| Net charge-offs to loans | -0.0575% | 6,701 |
| Credit loss provision to net charge-offs | -240.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8252% | 1,552 |
| Assets per employee ($millions) | 6.7120% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5340% | 1,240 |
| Loan loss allowance to noncurrent loans | 368.4654% | 983 |
| Noncurrent assets plus other real estate owned to assets | 3.4215% | 1,566 |
| Noncurrent loans to loans | 0.6877% | 5,129 |
| Net loans and leases to total assets | 62.6073% | 3,306 |
| Net loans and leases to deposits | 67.2282% | 4,326 |
| Net loans and leases to core deposits | 70.2480% | 4,507 |
| Total domestic deposits to total assets | 93.1265% | 119 |
| Equity capital to assets | 6.4549% | 6,989 |
| Core capital (leverage) ratio | 6.2713% | 6,957 |
| Tier 1 risk-based capital ratio | 10.4510% | 6,713 |
| Total risk-based capital ratio | 11.7129% | 6,692 |
| Memoranda: | ||
| Average total assets | $134,829,670 | 4,101 |
| Average earning assets | $120,359,330 | 4,162 |
| Average equity | $8,524,000 | 5,409 |
| Average total loans | $86,997,330 | 3,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 4,674 |
| Cost of funding earning assets | 0.5296% | 5,611 |
| Net interest margin | 3.7871% | 3,452 |
| Noninterest income to average assets | 0.7993% | 2,171 |
| Noninterest expense to average assets | 3.2148% | 2,556 |
| Loan and lease loss provision to assets | 0.1776% | 3,193 |
| Net operating income to assets | 0.7726% | 3,515 |
| Return on assets (ROA) | 0.7726% | 3,751 |
| Pretax return on assets | 0.7726% | 4,518 |
| Return on Equity (ROE) | 12.3499% | 1,567 |
| Retained earnings to average equity (ytd only) | 12.3499% | 775 |
| Net charge-offs to loans | -0.0778% | 6,708 |
| Credit loss provision to net charge-offs | -352.9412% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1855% | 2,620 |
| Assets per employee ($millions) | 6.8781% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 1,428 |
| Loan loss allowance to noncurrent loans | 3,155.0725% | 165 |
| Noncurrent assets plus other real estate owned to assets | 3.0575% | 1,905 |
| Noncurrent loans to loans | 0.0776% | 6,557 |
| Net loans and leases to total assets | 63.0167% | 3,044 |
| Net loans and leases to deposits | 67.4565% | 4,152 |
| Net loans and leases to core deposits | 70.7430% | 4,327 |
| Total domestic deposits to total assets | 93.4182% | 120 |
| Equity capital to assets | 6.2408% | 7,044 |
| Core capital (leverage) ratio | 6.5010% | 6,970 |
| Tier 1 risk-based capital ratio | 10.2258% | 6,819 |
| Total risk-based capital ratio | 11.4933% | 6,816 |
| Memoranda: | ||
| Average total assets | $135,124,500 | 4,127 |
| Average earning assets | $120,093,000 | 4,193 |
| Average equity | $8,453,500 | 5,448 |
| Average total loans | $87,381,500 | 3,905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 4,858 |
| Cost of funding earning assets | 0.7604% | 5,131 |
| Net interest margin | 3.7949% | 3,845 |
| Noninterest income to average assets | 0.2525% | 5,718 |
| Noninterest expense to average assets | 3.4438% | 2,133 |
| Loan and lease loss provision to assets | 0.1515% | 4,727 |
| Net operating income to assets | 0.1745% | 5,660 |
| Return on assets (ROA) | 0.1820% | 5,778 |
| Pretax return on assets | 0.1820% | 5,828 |
| Return on Equity (ROE) | 3.0310% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.0310% | 4,072 |
| Net charge-offs to loans | 1.1337% | 1,499 |
| Credit loss provision to net charge-offs | 20.7107% | 5,910 |
| Earnings coverage of net charge-offs (x) | 0.4457% | 5,486 |
| Efficiency ratio | 91.3515% | 1,088 |
| Assets per employee ($millions) | 6.3184% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4447% | 1,389 |
| Loan loss allowance to noncurrent loans | 945.9459% | 415 |
| Noncurrent assets plus other real estate owned to assets | 3.2852% | 1,814 |
| Noncurrent loans to loans | 0.2584% | 6,211 |
| Net loans and leases to total assets | 63.1554% | 3,366 |
| Net loans and leases to deposits | 67.6617% | 4,490 |
| Net loans and leases to core deposits | 71.4478% | 4,600 |
| Total domestic deposits to total assets | 93.3400% | 122 |
| Equity capital to assets | 6.2719% | 7,064 |
| Core capital (leverage) ratio | 6.4057% | 6,997 |
| Tier 1 risk-based capital ratio | 10.6343% | 6,631 |
| Total risk-based capital ratio | 11.9031% | 6,596 |
| Memoranda: | ||
| Average total assets | $134,646,800 | 4,082 |
| Average earning assets | $124,799,600 | 4,041 |
| Average equity | $8,083,200 | 5,545 |
| Average total loans | $86,886,000 | 3,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 4,994 |
| Cost of funding earning assets | 0.8091% | 5,092 |
| Net interest margin | 3.7634% | 4,046 |
| Noninterest income to average assets | 0.2743% | 5,654 |
| Noninterest expense to average assets | 3.4956% | 1,952 |
| Loan and lease loss provision to assets | 0.2013% | 4,006 |
| Net operating income to assets | 0.1016% | 5,962 |
| Return on assets (ROA) | 0.1115% | 6,053 |
| Pretax return on assets | 0.1115% | 6,071 |
| Return on Equity (ROE) | 1.8777% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.8777% | 5,204 |
| Net charge-offs to loans | 1.5164% | 956 |
| Credit loss provision to net charge-offs | 20.5853% | 5,548 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 5,373 |
| Efficiency ratio | 92.0260% | 1,030 |
| Assets per employee ($millions) | 6.1652% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4679% | 1,440 |
| Loan loss allowance to noncurrent loans | 51.4876% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.3838% | 1,874 |
| Noncurrent loans to loans | 4.7932% | 1,342 |
| Net loans and leases to total assets | 63.9183% | 3,323 |
| Net loans and leases to deposits | 68.5569% | 4,513 |
| Net loans and leases to core deposits | 72.6890% | 4,624 |
| Total domestic deposits to total assets | 93.2340% | 122 |
| Equity capital to assets | 6.3466% | 7,152 |
| Core capital (leverage) ratio | 6.1397% | 7,117 |
| Tier 1 risk-based capital ratio | 10.7734% | 6,679 |
| Total risk-based capital ratio | 12.0437% | 6,647 |
| Memoranda: | ||
| Average total assets | $135,136,750 | 4,096 |
| Average earning assets | $126,550,250 | 4,024 |
| Average equity | $8,023,500 | 5,593 |
| Average total loans | $87,132,750 | 3,962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 4,855 |
| Cost of funding earning assets | 0.8659% | 4,943 |
| Net interest margin | 3.7622% | 3,977 |
| Noninterest income to average assets | 0.2394% | 5,933 |
| Noninterest expense to average assets | 3.6110% | 1,713 |
| Loan and lease loss provision to assets | 0.2978% | 3,020 |
| Net operating income to assets | -0.1372% | 6,402 |
| Return on assets (ROA) | -0.1372% | 6,443 |
| Pretax return on assets | -0.1372% | 6,398 |
| Return on Equity (ROE) | -2.3621% | 6,548 |
| Retained earnings to average equity (ytd only) | -2.3621% | 6,300 |
| Net charge-offs to loans | 2.3096% | 547 |
| Credit loss provision to net charge-offs | 20.0985% | 5,130 |
| Earnings coverage of net charge-offs (x) | 0.1084% | 5,209 |
| Efficiency ratio | 95.7430% | 891 |
| Assets per employee ($millions) | 6.4510% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 1,433 |
| Loan loss allowance to noncurrent loans | 49.2857% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.4295% | 1,924 |
| Noncurrent loans to loans | 5.0906% | 1,277 |
| Net loans and leases to total assets | 59.3739% | 4,402 |
| Net loans and leases to deposits | 63.3441% | 5,353 |
| Net loans and leases to core deposits | 66.3529% | 5,470 |
| Total domestic deposits to total assets | 93.7323% | 91 |
| Equity capital to assets | 5.8772% | 7,260 |
| Core capital (leverage) ratio | 5.6499% | 7,241 |
| Tier 1 risk-based capital ratio | 10.5636% | 6,767 |
| Total risk-based capital ratio | 11.8333% | 6,756 |
| Memoranda: | ||
| Average total assets | $137,025,670 | 4,084 |
| Average earning assets | $128,648,670 | 4,019 |
| Average equity | $7,959,000 | 5,626 |
| Average total loans | $87,894,000 | 3,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 5,642 |
| Cost of funding earning assets | 0.9039% | 4,888 |
| Net interest margin | 3.5104% | 4,958 |
| Noninterest income to average assets | 0.2700% | 5,741 |
| Noninterest expense to average assets | 3.6313% | 1,700 |
| Loan and lease loss provision to assets | 0.3599% | 2,397 |
| Net operating income to assets | -0.4296% | 6,758 |
| Return on assets (ROA) | -0.4296% | 6,771 |
| Pretax return on assets | -0.4296% | 6,713 |
| Return on Equity (ROE) | -7.4395% | 6,935 |
| Retained earnings to average equity (ytd only) | -7.4395% | 6,708 |
| Net charge-offs to loans | -0.1413% | 7,184 |
| Credit loss provision to net charge-offs | -387.5000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9560% | 673 |
| Assets per employee ($millions) | 6.9720% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3991% | 663 |
| Loan loss allowance to noncurrent loans | 149.6796% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 2.5352% | 2,694 |
| Noncurrent loans to loans | 2.2709% | 3,231 |
| Net loans and leases to total assets | 61.8973% | 3,880 |
| Net loans and leases to deposits | 65.8576% | 4,994 |
| Net loans and leases to core deposits | 69.2661% | 5,136 |
| Total domestic deposits to total assets | 93.9866% | 77 |
| Equity capital to assets | 5.6598% | 7,325 |
| Core capital (leverage) ratio | 5.8113% | 7,278 |
| Tier 1 risk-based capital ratio | 9.6182% | 7,117 |
| Total risk-based capital ratio | 10.8991% | 7,120 |
| Memoranda: | ||
| Average total assets | $137,802,500 | 4,102 |
| Average earning assets | $129,215,000 | 4,041 |
| Average equity | $7,957,500 | 5,619 |
| Average total loans | $90,588,500 | 3,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 2,690 |
| Cost of funding earning assets | 1.1272% | 4,985 |
| Net interest margin | 4.2685% | 1,925 |
| Noninterest income to average assets | 0.3637% | 5,199 |
| Noninterest expense to average assets | 3.8317% | 1,426 |
| Loan and lease loss provision to assets | 1.2266% | 1,269 |
| Net operating income to assets | -0.6279% | 6,467 |
| Return on assets (ROA) | -0.6279% | 6,496 |
| Pretax return on assets | -0.6279% | 6,414 |
| Return on Equity (ROE) | -9.7212% | 6,717 |
| Retained earnings to average equity (ytd only) | -9.7212% | 6,650 |
| Net charge-offs to loans | 0.7358% | 2,813 |
| Credit loss provision to net charge-offs | 221.1876% | 1,356 |
| Earnings coverage of net charge-offs (x) | 1.0796% | 5,034 |
| Efficiency ratio | 86.4865% | 1,636 |
| Assets per employee ($millions) | 6.8083% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1373% | 775 |
| Loan loss allowance to noncurrent loans | 101.0877% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 2.4448% | 2,832 |
| Noncurrent loans to loans | 3.1035% | 2,460 |
| Net loans and leases to total assets | 65.3247% | 3,597 |
| Net loans and leases to deposits | 69.7210% | 4,846 |
| Net loans and leases to core deposits | 72.8340% | 5,117 |
| Total domestic deposits to total assets | 93.6945% | 100 |
| Equity capital to assets | 5.8921% | 7,355 |
| Core capital (leverage) ratio | 5.7986% | 7,332 |
| Tier 1 risk-based capital ratio | 9.8023% | 7,051 |
| Total risk-based capital ratio | 11.0815% | 7,036 |
| Memoranda: | ||
| Average total assets | $133,621,200 | 4,189 |
| Average earning assets | $127,305,400 | 4,078 |
| Average equity | $8,630,600 | 5,520 |
| Average total loans | $100,713,000 | 3,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 3,217 |
| Cost of funding earning assets | 1.1205% | 5,316 |
| Net interest margin | 4.2080% | 2,188 |
| Noninterest income to average assets | 0.2376% | 6,188 |
| Noninterest expense to average assets | 3.7607% | 1,451 |
| Loan and lease loss provision to assets | 0.5755% | 2,639 |
| Net operating income to assets | -0.0812% | 6,163 |
| Return on assets (ROA) | -0.0812% | 6,258 |
| Pretax return on assets | -0.0812% | 6,204 |
| Return on Equity (ROE) | -1.2297% | 6,307 |
| Retained earnings to average equity (ytd only) | -1.2297% | 6,053 |
| Net charge-offs to loans | 0.7305% | 2,594 |
| Credit loss provision to net charge-offs | 101.7730% | 4,235 |
| Earnings coverage of net charge-offs (x) | 0.8741% | 5,173 |
| Efficiency ratio | 88.3836% | 1,422 |
| Assets per employee ($millions) | 6.1018% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 2,164 |
| Loan loss allowance to noncurrent loans | 121.5985% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5683% | 4,089 |
| Noncurrent loans to loans | 1.6640% | 4,151 |
| Net loans and leases to total assets | 68.7620% | 3,040 |
| Net loans and leases to deposits | 74.1542% | 4,479 |
| Net loans and leases to core deposits | 77.9178% | 4,814 |
| Total domestic deposits to total assets | 92.7285% | 119 |
| Equity capital to assets | 6.2319% | 7,459 |
| Core capital (leverage) ratio | 6.5027% | 7,334 |
| Tier 1 risk-based capital ratio | 9.7856% | 7,163 |
| Total risk-based capital ratio | 11.0488% | 7,146 |
| Memoranda: | ||
| Average total assets | $132,985,000 | 4,250 |
| Average earning assets | $126,962,000 | 4,136 |
| Average equity | $8,782,500 | 5,560 |
| Average total loans | $102,933,500 | 3,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 2,578 |
| Cost of funding earning assets | 1.1405% | 5,457 |
| Net interest margin | 4.3465% | 1,607 |
| Noninterest income to average assets | 0.3141% | 5,648 |
| Noninterest expense to average assets | 3.8427% | 1,280 |
| Loan and lease loss provision to assets | 0.4351% | 3,137 |
| Net operating income to assets | 0.2053% | 5,540 |
| Return on assets (ROA) | 0.2053% | 5,670 |
| Pretax return on assets | 0.2053% | 5,760 |
| Return on Equity (ROE) | 3.0473% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.0473% | 4,170 |
| Net charge-offs to loans | 0.2739% | 3,969 |
| Credit loss provision to net charge-offs | 198.6014% | 1,989 |
| Earnings coverage of net charge-offs (x) | 2.9231% | 3,533 |
| Efficiency ratio | 85.7143% | 1,748 |
| Assets per employee ($millions) | 5.5030% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 1,977 |
| Loan loss allowance to noncurrent loans | 109.8810% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 2.1095% | 3,366 |
| Noncurrent loans to loans | 1.9030% | 3,862 |
| Net loans and leases to total assets | 78.5783% | 1,024 |
| Net loans and leases to deposits | 85.5659% | 2,583 |
| Net loans and leases to core deposits | 90.1269% | 3,237 |
| Total domestic deposits to total assets | 91.8336% | 258 |
| Equity capital to assets | 7.0689% | 7,320 |
| Core capital (leverage) ratio | 7.0381% | 7,165 |
| Tier 1 risk-based capital ratio | 9.0340% | 7,408 |
| Total risk-based capital ratio | 10.2962% | 7,415 |
| Memoranda: | ||
| Average total assets | $130,532,670 | 4,340 |
| Average earning assets | $125,203,330 | 4,204 |
| Average equity | $8,794,670 | 5,562 |
| Average total loans | $104,413,000 | 3,758 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 2,170 |
| Cost of funding earning assets | 1.2075% | 5,362 |
| Net interest margin | 4.3868% | 1,424 |
| Noninterest income to average assets | 0.0845% | 7,284 |
| Noninterest expense to average assets | 3.7581% | 1,401 |
| Loan and lease loss provision to assets | 0.7124% | 1,790 |
| Net operating income to assets | -0.1751% | 6,513 |
| Return on assets (ROA) | -0.1751% | 6,587 |
| Pretax return on assets | -0.1751% | 6,534 |
| Return on Equity (ROE) | -2.6610% | 6,711 |
| Retained earnings to average equity (ytd only) | -2.6610% | 6,317 |
| Net charge-offs to loans | 0.3137% | 3,161 |
| Credit loss provision to net charge-offs | 284.3373% | 1,389 |
| Earnings coverage of net charge-offs (x) | 2.1446% | 3,463 |
| Efficiency ratio | 87.4912% | 1,641 |
| Assets per employee ($millions) | 5.1592% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 2,077 |
| Loan loss allowance to noncurrent loans | 101.1364% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 3,405 |
| Noncurrent loans to loans | 2.0189% | 3,766 |
| Net loans and leases to total assets | 79.4520% | 919 |
| Net loans and leases to deposits | 85.6775% | 2,652 |
| Net loans and leases to core deposits | 89.5920% | 3,420 |
| Total domestic deposits to total assets | 92.7338% | 142 |
| Equity capital to assets | 6.7537% | 7,465 |
| Core capital (leverage) ratio | 6.6019% | 7,429 |
| Tier 1 risk-based capital ratio | 8.5379% | 7,556 |
| Total risk-based capital ratio | 9.7993% | 7,573 |
| Memoranda: | ||
| Average total assets | $132,515,000 | 4,349 |
| Average earning assets | $127,201,000 | 4,208 |
| Average equity | $8,718,500 | 5,622 |
| Average total loans | $105,830,000 | 3,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4517% | 4,430 |
| Cost of funding earning assets | 1.7578% | 4,213 |
| Net interest margin | 3.6939% | 4,170 |
| Noninterest income to average assets | 0.2066% | 6,630 |
| Noninterest expense to average assets | 3.5208% | 2,327 |
| Loan and lease loss provision to assets | 0.7940% | 2,749 |
| Net operating income to assets | -0.5475% | 6,229 |
| Return on assets (ROA) | -0.5475% | 6,221 |
| Pretax return on assets | -0.5475% | 6,051 |
| Return on Equity (ROE) | -7.9075% | 6,461 |
| Retained earnings to average equity (ytd only) | -7.9075% | 6,340 |
| Net charge-offs to loans | 0.8576% | 2,683 |
| Credit loss provision to net charge-offs | 118.3146% | 4,564 |
| Earnings coverage of net charge-offs (x) | 0.3674% | 5,750 |
| Efficiency ratio | 93.4548% | 1,449 |
| Assets per employee ($millions) | 5.6687% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 2,402 |
| Loan loss allowance to noncurrent loans | 97.3013% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 3,762 |
| Noncurrent loans to loans | 1.9039% | 3,797 |
| Net loans and leases to total assets | 77.2244% | 1,541 |
| Net loans and leases to deposits | 82.9619% | 3,459 |
| Net loans and leases to core deposits | 101.2792% | 3,872 |
| Total domestic deposits to total assets | 93.0841% | 116 |
| Equity capital to assets | 6.4139% | 7,579 |
| Core capital (leverage) ratio | 6.2783% | 7,562 |
| Tier 1 risk-based capital ratio | 8.3618% | 7,604 |
| Total risk-based capital ratio | 9.6210% | 7,624 |
| Memoranda: | ||
| Average total assets | $132,612,400 | 4,287 |
| Average earning assets | $127,832,600 | 4,137 |
| Average equity | $9,181,200 | 5,552 |
| Average total loans | $103,774,200 | 3,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 5,135 |
| Cost of funding earning assets | 1.8716% | 4,037 |
| Net interest margin | 3.4871% | 4,913 |
| Noninterest income to average assets | 0.1822% | 6,922 |
| Noninterest expense to average assets | 3.4285% | 2,487 |
| Loan and lease loss provision to assets | 0.2854% | 4,691 |
| Net operating income to assets | -0.1700% | 6,010 |
| Return on assets (ROA) | -0.1700% | 6,023 |
| Pretax return on assets | -0.1700% | 5,934 |
| Return on Equity (ROE) | -2.4098% | 6,152 |
| Retained earnings to average equity (ytd only) | -2.4098% | 5,804 |
| Net charge-offs to loans | 0.3328% | 3,971 |
| Credit loss provision to net charge-offs | 109.7276% | 4,634 |
| Earnings coverage of net charge-offs (x) | 0.4436% | 5,586 |
| Efficiency ratio | 96.7447% | 1,232 |
| Assets per employee ($millions) | 5.9090% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 2,383 |
| Loan loss allowance to noncurrent loans | 56.1644% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.5914% | 2,687 |
| Noncurrent loans to loans | 3.1514% | 2,397 |
| Net loans and leases to total assets | 72.2027% | 2,987 |
| Net loans and leases to deposits | 77.6414% | 4,790 |
| Net loans and leases to core deposits | 95.5837% | 4,855 |
| Total domestic deposits to total assets | 92.9951% | 90 |
| Equity capital to assets | 6.5155% | 7,759 |
| Core capital (leverage) ratio | 6.5520% | 7,649 |
| Tier 1 risk-based capital ratio | 6.8757% | 7,908 |
| Total risk-based capital ratio | 8.1273% | 7,912 |
| Memoranda: | ||
| Average total assets | $131,753,250 | 4,330 |
| Average earning assets | $127,018,000 | 4,182 |
| Average equity | $9,295,000 | 5,558 |
| Average total loans | $102,956,250 | 3,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 4,373 |
| Cost of funding earning assets | 2.0040% | 3,756 |
| Net interest margin | 3.5386% | 4,620 |
| Noninterest income to average assets | 0.2227% | 6,700 |
| Noninterest expense to average assets | 3.3925% | 2,652 |
| Loan and lease loss provision to assets | 0.3380% | 3,914 |
| Net operating income to assets | -0.1028% | 6,016 |
| Return on assets (ROA) | -0.1028% | 6,061 |
| Pretax return on assets | -0.1028% | 5,994 |
| Return on Equity (ROE) | -1.4173% | 6,133 |
| Retained earnings to average equity (ytd only) | -1.4173% | 5,596 |
| Net charge-offs to loans | 0.3862% | 3,270 |
| Credit loss provision to net charge-offs | 109.5960% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.7626% | 4,971 |
| Efficiency ratio | 93.5165% | 1,530 |
| Assets per employee ($millions) | 5.7254% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,100 |
| Loan loss allowance to noncurrent loans | 129.8729% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 4,499 |
| Noncurrent loans to loans | 1.3730% | 4,465 |
| Net loans and leases to total assets | 73.7144% | 2,781 |
| Net loans and leases to deposits | 79.4857% | 4,625 |
| Net loans and leases to core deposits | 98.6473% | 4,634 |
| Total domestic deposits to total assets | 92.7392% | 117 |
| Equity capital to assets | 6.7666% | 7,724 |
| Core capital (leverage) ratio | 7.2055% | 7,351 |
| Tier 1 risk-based capital ratio | 8.8818% | 7,753 |
| Total risk-based capital ratio | 10.1379% | 7,789 |
| Memoranda: | ||
| Average total assets | $128,399,000 | 4,426 |
| Average earning assets | $123,552,670 | 4,280 |
| Average equity | $9,313,330 | 5,574 |
| Average total loans | $102,528,330 | 3,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8110% | 3,243 |
| Cost of funding earning assets | 2.1557% | 3,387 |
| Net interest margin | 3.6553% | 4,077 |
| Noninterest income to average assets | 0.1001% | 7,540 |
| Noninterest expense to average assets | 3.3610% | 2,469 |
| Loan and lease loss provision to assets | 0.1453% | 5,087 |
| Net operating income to assets | 0.1291% | 5,889 |
| Return on assets (ROA) | 0.1291% | 6,056 |
| Pretax return on assets | 0.1195% | 6,120 |
| Return on Equity (ROE) | 1.7166% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.7166% | 4,888 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6981% | 1,526 |
| Assets per employee ($millions) | 5.5093% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 1,845 |
| Loan loss allowance to noncurrent loans | 101.4046% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 3,742 |
| Noncurrent loans to loans | 1.7773% | 3,598 |
| Net loans and leases to total assets | 80.7084% | 1,254 |
| Net loans and leases to deposits | 87.7054% | 3,338 |
| Net loans and leases to core deposits | 110.5648% | 3,360 |
| Total domestic deposits to total assets | 92.0221% | 184 |
| Equity capital to assets | 7.3797% | 7,436 |
| Core capital (leverage) ratio | 7.5576% | 7,083 |
| Tier 1 risk-based capital ratio | 9.2351% | 7,641 |
| Total risk-based capital ratio | 10.4923% | 7,620 |
| Memoranda: | ||
| Average total assets | $123,893,500 | 4,546 |
| Average earning assets | $119,498,000 | 4,398 |
| Average equity | $9,321,000 | 5,598 |
| Average total loans | $102,227,500 | 3,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1959% | 4,537 |
| Cost of funding earning assets | 2.4706% | 4,365 |
| Net interest margin | 3.7253% | 4,358 |
| Noninterest income to average assets | 0.6434% | 3,522 |
| Noninterest expense to average assets | 3.7154% | 1,924 |
| Loan and lease loss provision to assets | 2.0037% | 599 |
| Net operating income to assets | -1.4814% | 7,454 |
| Return on assets (ROA) | -1.4814% | 7,404 |
| Pretax return on assets | -1.4814% | 7,244 |
| Return on Equity (ROE) | -16.6521% | 7,653 |
| Retained earnings to average equity (ytd only) | -16.6521% | 7,552 |
| Net charge-offs to loans | 1.7498% | 631 |
| Credit loss provision to net charge-offs | 144.5938% | 3,653 |
| Earnings coverage of net charge-offs (x) | 0.3769% | 6,005 |
| Efficiency ratio | 87.6748% | 1,703 |
| Assets per employee ($millions) | 5.2641% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 1,594 |
| Loan loss allowance to noncurrent loans | 472.7273% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,334 |
| Noncurrent loans to loans | 0.3838% | 6,192 |
| Net loans and leases to total assets | 81.3469% | 1,348 |
| Net loans and leases to deposits | 88.6930% | 3,686 |
| Net loans and leases to core deposits | 113.9153% | 3,352 |
| Total domestic deposits to total assets | 91.7175% | 177 |
| Equity capital to assets | 7.6738% | 7,233 |
| Core capital (leverage) ratio | 7.4721% | 7,239 |
| Tier 1 risk-based capital ratio | 9.5608% | 7,241 |
| Total risk-based capital ratio | 10.8183% | 7,138 |
| Memoranda: | ||
| Average total assets | $118,131,200 | 4,566 |
| Average earning assets | $113,978,200 | 4,416 |
| Average equity | $10,509,200 | 5,260 |
| Average total loans | $93,552,600 | 4,117 |