Home > Pan American Bank > Performance and Condition Ratios
Pan American Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9900% | 13 |
| Cost of funding earning assets | 0.7571% | 612 |
| Net interest margin | 11.2328% | 13 |
| Noninterest income to average assets | 1.8043% | 394 |
| Noninterest expense to average assets | 8.7977% | 89 |
| Loan and lease loss provision to assets | 4.4759% | 11 |
| Net operating income to assets | -0.5741% | 5,982 |
| Return on assets (ROA) | -0.5741% | 5,988 |
| Pretax return on assets | -1.1457% | 6,029 |
| Return on Equity (ROE) | -2.5823% | 5,927 |
| Retained earnings to average equity (ytd only) | -2.5823% | 5,440 |
| Net charge-offs to loans | 6.4339% | 8 |
| Credit loss provision to net charge-offs | 97.8273% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.7279% | 2,900 |
| Efficiency ratio | 72.3975% | 2,742 |
| Assets per employee ($millions) | 2.0716% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2043% | 182 |
| Loan loss allowance to noncurrent loans | 131.9640% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 1,090 |
| Noncurrent loans to loans | 2.4282% | 792 |
| Net loans and leases to total assets | 69.3481% | 2,450 |
| Net loans and leases to deposits | 90.3339% | 1,537 |
| Net loans and leases to core deposits | 103.2769% | 1,243 |
| Total domestic deposits to total assets | 76.7686% | 5,323 |
| Equity capital to assets | 22.3644% | 145 |
| Core capital (leverage) ratio | 21.9475% | 136 |
| Tier 1 risk-based capital ratio | 28.1877% | 599 |
| Total risk-based capital ratio | 29.4582% | 584 |
| Memoranda: | ||
| Average total assets | $160,951,000 | 3,433 |
| Average earning assets | $147,923,500 | 3,449 |
| Average equity | $35,781,500 | 2,044 |
| Average total loans | $114,455,500 | 3,176 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.6485% | 4 |
| Cost of funding earning assets | 1.2413% | 47 |
| Net interest margin | 19.4072% | 5 |
| Noninterest income to average assets | 2.5241% | 263 |
| Noninterest expense to average assets | 15.4524% | 47 |
| Loan and lease loss provision to assets | 6.2948% | 4 |
| Net operating income to assets | -0.6684% | 6,070 |
| Return on assets (ROA) | -0.6684% | 6,071 |
| Pretax return on assets | -1.1953% | 6,114 |
| Return on Equity (ROE) | -3.3622% | 6,017 |
| Retained earnings to average equity (ytd only) | -5.2555% | 5,924 |
| Net charge-offs to loans | 8.3724% | 2 |
| Credit loss provision to net charge-offs | 100.3820% | 2,490 |
| Earnings coverage of net charge-offs (x) | 0.8132% | 4,177 |
| Efficiency ratio | 75.1873% | 2,398 |
| Assets per employee ($millions) | 1.9564% | 6,057 |
| Cash dividends to net income (ytd only)* | -56.3140% | 6,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2296% | 169 |
| Loan loss allowance to noncurrent loans | 135.4060% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 1,158 |
| Noncurrent loans to loans | 2.3851% | 793 |
| Net loans and leases to total assets | 68.3099% | 2,653 |
| Net loans and leases to deposits | 88.8011% | 1,774 |
| Net loans and leases to core deposits | 101.3754% | 1,415 |
| Total domestic deposits to total assets | 76.9246% | 5,329 |
| Equity capital to assets | 22.1006% | 143 |
| Core capital (leverage) ratio | 21.7589% | 140 |
| Tier 1 risk-based capital ratio | 28.5529% | 576 |
| Total risk-based capital ratio | 29.8241% | 563 |
| Memoranda: | ||
| Average total assets | $87,675,800 | 4,717 |
| Average earning assets | $81,444,000 | 4,688 |
| Average equity | $17,429,200 | 3,469 |
| Average total loans | $65,667,800 | 4,211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.3801% | 2 |
| Cost of funding earning assets | 1.4788% | 18 |
| Net interest margin | 23.9013% | 3 |
| Noninterest income to average assets | 3.3681% | 185 |
| Noninterest expense to average assets | 19.2540% | 43 |
| Loan and lease loss provision to assets | 7.3623% | 2 |
| Net operating income to assets | -0.7246% | 6,168 |
| Return on assets (ROA) | -0.7246% | 6,167 |
| Pretax return on assets | -0.9179% | 6,180 |
| Return on Equity (ROE) | -3.9018% | 6,122 |
| Retained earnings to average equity (ytd only) | -5.7226% | 6,048 |
| Net charge-offs to loans | 9.6676% | 2 |
| Credit loss provision to net charge-offs | 98.3480% | 2,327 |
| Earnings coverage of net charge-offs (x) | 0.8609% | 3,905 |
| Efficiency ratio | 74.9229% | 2,413 |
| Assets per employee ($millions) | 2.2548% | 6,067 |
| Cash dividends to net income (ytd only)* | -46.6669% | 6,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6775% | 121 |
| Loan loss allowance to noncurrent loans | 185.0939% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 1,546 |
| Noncurrent loans to loans | 1.9868% | 1,167 |
| Net loans and leases to total assets | 70.5413% | 2,307 |
| Net loans and leases to deposits | 92.0216% | 1,403 |
| Net loans and leases to core deposits | 106.0045% | 1,100 |
| Total domestic deposits to total assets | 76.6574% | 5,397 |
| Equity capital to assets | 22.3396% | 145 |
| Core capital (leverage) ratio | 25.4911% | 85 |
| Tier 1 risk-based capital ratio | 28.4483% | 593 |
| Total risk-based capital ratio | 29.7259% | 586 |
| Memoranda: | ||
| Average total assets | $68,998,500 | 5,175 |
| Average earning assets | $64,463,500 | 5,137 |
| Average equity | $12,814,500 | 4,216 |
| Average total loans | $53,428,000 | 4,618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 683 |
| Cost of funding earning assets | 0.3011% | 4,388 |
| Net interest margin | 4.6298% | 505 |
| Noninterest income to average assets | 1.2927% | 731 |
| Noninterest expense to average assets | 14.3922% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -8.7150% | 6,344 |
| Return on assets (ROA) | -8.7150% | 6,344 |
| Pretax return on assets | -8.7096% | 6,344 |
| Return on Equity (ROE) | -67.0118% | 6,334 |
| Retained earnings to average equity (ytd only) | -67.0118% | 6,329 |
| Net charge-offs to loans | 1.1785% | 159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -8.8361% | 3,841 |
| Efficiency ratio | 253.2701% | 11 |
| Assets per employee ($millions) | 2.3269% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0569% | 905 |
| Loan loss allowance to noncurrent loans | 51.5004% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 3.3118% | 455 |
| Noncurrent loans to loans | 3.9940% | 390 |
| Net loans and leases to total assets | 81.2141% | 641 |
| Net loans and leases to deposits | 92.4846% | 1,320 |
| Net loans and leases to core deposits | 99.7427% | 1,512 |
| Total domestic deposits to total assets | 87.8136% | 1,747 |
| Equity capital to assets | 10.6903% | 3,225 |
| Core capital (leverage) ratio | 10.7717% | 2,654 |
| Tier 1 risk-based capital ratio | 18.6901% | 1,874 |
| Total risk-based capital ratio | 19.9634% | 1,835 |
| Memoranda: | ||
| Average total assets | $37,131,330 | 5,966 |
| Average earning assets | $35,207,000 | 5,927 |
| Average equity | $4,829,000 | 5,825 |
| Average total loans | $31,056,000 | 5,433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 792 |
| Cost of funding earning assets | 0.2852% | 4,608 |
| Net interest margin | 4.5510% | 553 |
| Noninterest income to average assets | 0.3883% | 4,100 |
| Noninterest expense to average assets | 12.1353% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -7.4430% | 6,412 |
| Return on assets (ROA) | -7.4430% | 6,412 |
| Pretax return on assets | -7.4430% | 6,412 |
| Return on Equity (ROE) | -52.5364% | 6,400 |
| Retained earnings to average equity (ytd only) | -52.5364% | 6,388 |
| Net charge-offs to loans | 0.0771% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -115.0000% | 3,279 |
| Efficiency ratio | 258.6207% | 10 |
| Assets per employee ($millions) | 2.1279% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6994% | 408 |
| Loan loss allowance to noncurrent loans | 47.0452% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 6.3635% | 157 |
| Noncurrent loans to loans | 5.7378% | 197 |
| Net loans and leases to total assets | 80.9095% | 583 |
| Net loans and leases to deposits | 94.1428% | 965 |
| Net loans and leases to core deposits | 101.9435% | 1,182 |
| Total domestic deposits to total assets | 85.9433% | 2,972 |
| Equity capital to assets | 13.5701% | 1,144 |
| Core capital (leverage) ratio | 13.0684% | 1,133 |
| Tier 1 risk-based capital ratio | 23.7303% | 1,018 |
| Total risk-based capital ratio | 25.0121% | 1,006 |
| Memoranda: | ||
| Average total assets | $37,082,000 | 6,026 |
| Average earning assets | $35,069,000 | 5,986 |
| Average equity | $5,253,500 | 5,771 |
| Average total loans | $31,148,500 | 5,467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 622 |
| Cost of funding earning assets | 0.3213% | 4,567 |
| Net interest margin | 4.7851% | 444 |
| Noninterest income to average assets | 0.9398% | 1,382 |
| Noninterest expense to average assets | 8.9116% | 85 |
| Loan and lease loss provision to assets | 0.2381% | 994 |
| Net operating income to assets | -3.6857% | 6,483 |
| Return on assets (ROA) | -3.6857% | 6,483 |
| Pretax return on assets | -3.6832% | 6,485 |
| Return on Equity (ROE) | -50.0034% | 6,487 |
| Retained earnings to average equity (ytd only) | -50.0034% | 6,485 |
| Net charge-offs to loans | 0.2259% | 1,861 |
| Credit loss provision to net charge-offs | 128.7671% | 1,857 |
| Earnings coverage of net charge-offs (x) | -18.6301% | 4,933 |
| Efficiency ratio | 163.0213% | 40 |
| Assets per employee ($millions) | 2.3743% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 526 |
| Loan loss allowance to noncurrent loans | 39.4978% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 5.7859% | 207 |
| Noncurrent loans to loans | 6.4285% | 167 |
| Net loans and leases to total assets | 82.6502% | 466 |
| Net loans and leases to deposits | 97.2165% | 815 |
| Net loans and leases to core deposits | 106.7669% | 970 |
| Total domestic deposits to total assets | 85.0167% | 3,275 |
| Equity capital to assets | 14.7358% | 751 |
| Core capital (leverage) ratio | 14.3069% | 747 |
| Tier 1 risk-based capital ratio | 25.3776% | 806 |
| Total risk-based capital ratio | 26.6567% | 793 |
| Memoranda: | ||
| Average total assets | $39,476,800 | 6,047 |
| Average earning assets | $37,344,800 | 6,005 |
| Average equity | $2,909,800 | 6,290 |
| Average total loans | $32,314,200 | 5,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 614 |
| Cost of funding earning assets | 0.3258% | 4,604 |
| Net interest margin | 4.7951% | 434 |
| Noninterest income to average assets | 1.1343% | 939 |
| Noninterest expense to average assets | 8.5521% | 95 |
| Loan and lease loss provision to assets | 0.3145% | 599 |
| Net operating income to assets | -3.2054% | 6,559 |
| Return on assets (ROA) | -3.2054% | 6,559 |
| Pretax return on assets | -3.2020% | 6,559 |
| Return on Equity (ROE) | -57.0797% | 6,568 |
| Retained earnings to average equity (ytd only) | -57.0797% | 6,566 |
| Net charge-offs to loans | -0.1896% | 6,298 |
| Credit loss provision to net charge-offs | -204.3478% | 5,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.9746% | 55 |
| Assets per employee ($millions) | 2.8704% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8982% | 397 |
| Loan loss allowance to noncurrent loans | 46.7099% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 5.3080% | 303 |
| Noncurrent loans to loans | 6.2048% | 220 |
| Net loans and leases to total assets | 78.1212% | 946 |
| Net loans and leases to deposits | 92.9117% | 1,141 |
| Net loans and leases to core deposits | 102.4208% | 1,192 |
| Total domestic deposits to total assets | 84.0811% | 3,726 |
| Equity capital to assets | 15.1674% | 701 |
| Core capital (leverage) ratio | 14.8300% | 652 |
| Tier 1 risk-based capital ratio | 28.2980% | 626 |
| Total risk-based capital ratio | 29.5847% | 604 |
| Memoranda: | ||
| Average total assets | $39,848,750 | 6,117 |
| Average earning assets | $37,649,000 | 6,068 |
| Average equity | $2,237,750 | 6,454 |
| Average total loans | $32,338,750 | 5,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 447 |
| Cost of funding earning assets | 0.3259% | 4,687 |
| Net interest margin | 4.9532% | 311 |
| Noninterest income to average assets | 1.4344% | 589 |
| Noninterest expense to average assets | 8.3701% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.2750% | 6,603 |
| Return on assets (ROA) | -2.2750% | 6,605 |
| Pretax return on assets | -2.2699% | 6,598 |
| Return on Equity (ROE) | -94.9580% | 6,646 |
| Retained earnings to average equity (ytd only) | -94.9580% | 6,645 |
| Net charge-offs to loans | 0.8534% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.2681% | 4,275 |
| Efficiency ratio | 137.2112% | 75 |
| Assets per employee ($millions) | 2.2333% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 1,143 |
| Loan loss allowance to noncurrent loans | 26.2969% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 6.9352% | 192 |
| Noncurrent loans to loans | 8.0628% | 125 |
| Net loans and leases to total assets | 80.1296% | 676 |
| Net loans and leases to deposits | 82.3507% | 2,210 |
| Net loans and leases to core deposits | 90.6631% | 2,059 |
| Total domestic deposits to total assets | 97.3028% | 4 |
| Equity capital to assets | 1.9201% | 6,647 |
| Core capital (leverage) ratio | 1.8261% | 6,650 |
| Tier 1 risk-based capital ratio | 3.5569% | 6,642 |
| Total risk-based capital ratio | 4.8307% | 6,642 |
| Memoranda: | ||
| Average total assets | $39,736,670 | 6,180 |
| Average earning assets | $37,430,000 | 6,131 |
| Average equity | $952,000 | 6,643 |
| Average total loans | $32,341,670 | 5,559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 728 |
| Cost of funding earning assets | 0.3670% | 4,352 |
| Net interest margin | 4.6242% | 536 |
| Noninterest income to average assets | 2.0875% | 314 |
| Noninterest expense to average assets | 8.7440% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.3140% | 6,671 |
| Return on assets (ROA) | -2.3140% | 6,671 |
| Pretax return on assets | -2.3140% | 6,660 |
| Return on Equity (ROE) | -88.3874% | 6,718 |
| Retained earnings to average equity (ytd only) | -88.3874% | 6,712 |
| Net charge-offs to loans | 0.6672% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.2727% | 3,570 |
| Efficiency ratio | 135.9877% | 99 |
| Assets per employee ($millions) | 1.8535% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 1,035 |
| Loan loss allowance to noncurrent loans | 23.3848% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 8.0930% | 163 |
| Noncurrent loans to loans | 9.8153% | 103 |
| Net loans and leases to total assets | 77.4598% | 824 |
| Net loans and leases to deposits | 79.9985% | 2,294 |
| Net loans and leases to core deposits | 87.5052% | 2,145 |
| Total domestic deposits to total assets | 96.8266% | 13 |
| Equity capital to assets | 2.3200% | 6,705 |
| Core capital (leverage) ratio | 2.3384% | 6,713 |
| Tier 1 risk-based capital ratio | 4.5358% | 6,701 |
| Total risk-based capital ratio | 5.8140% | 6,704 |
| Memoranda: | ||
| Average total assets | $40,622,000 | 6,219 |
| Average earning assets | $38,147,500 | 6,166 |
| Average equity | $1,063,500 | 6,708 |
| Average total loans | $32,972,000 | 5,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,643 |
| Cost of funding earning assets | 0.3533% | 5,102 |
| Net interest margin | 4.3200% | 1,058 |
| Noninterest income to average assets | 3.8402% | 171 |
| Noninterest expense to average assets | 10.2919% | 77 |
| Loan and lease loss provision to assets | 1.6399% | 74 |
| Net operating income to assets | -4.0715% | 6,789 |
| Return on assets (ROA) | -4.0715% | 6,789 |
| Pretax return on assets | -4.0690% | 6,788 |
| Return on Equity (ROE) | -64.1919% | 6,788 |
| Retained earnings to average equity (ytd only) | -64.1919% | 6,786 |
| Net charge-offs to loans | 2.1155% | 164 |
| Credit loss provision to net charge-offs | 96.8134% | 2,579 |
| Earnings coverage of net charge-offs (x) | -1.4340% | 5,296 |
| Efficiency ratio | 130.8924% | 117 |
| Assets per employee ($millions) | 1.6187% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3708% | 961 |
| Loan loss allowance to noncurrent loans | 22.4191% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 9.3481% | 142 |
| Noncurrent loans to loans | 10.5750% | 99 |
| Net loans and leases to total assets | 81.1011% | 484 |
| Net loans and leases to deposits | 84.2143% | 1,906 |
| Net loans and leases to core deposits | 92.2299% | 1,774 |
| Total domestic deposits to total assets | 96.3033% | 24 |
| Equity capital to assets | 2.9184% | 6,766 |
| Core capital (leverage) ratio | 3.0689% | 6,774 |
| Tier 1 risk-based capital ratio | 5.2578% | 6,766 |
| Total risk-based capital ratio | 6.5366% | 6,766 |
| Memoranda: | ||
| Average total assets | $38,904,200 | 6,315 |
| Average earning assets | $36,227,200 | 6,281 |
| Average equity | $2,467,600 | 6,638 |
| Average total loans | $31,150,800 | 5,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 1,794 |
| Cost of funding earning assets | 0.3560% | 5,241 |
| Net interest margin | 4.2759% | 1,149 |
| Noninterest income to average assets | 4.9229% | 142 |
| Noninterest expense to average assets | 9.9427% | 81 |
| Loan and lease loss provision to assets | 0.4327% | 667 |
| Net operating income to assets | -1.4644% | 6,757 |
| Return on assets (ROA) | -1.4644% | 6,761 |
| Pretax return on assets | -1.4610% | 6,753 |
| Return on Equity (ROE) | -20.2201% | 6,774 |
| Retained earnings to average equity (ytd only) | -20.2201% | 6,759 |
| Net charge-offs to loans | 0.6899% | 871 |
| Credit loss provision to net charge-offs | 79.1139% | 2,867 |
| Earnings coverage of net charge-offs (x) | -1.8798% | 5,075 |
| Efficiency ratio | 111.5340% | 248 |
| Assets per employee ($millions) | 1.5097% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5258% | 907 |
| Loan loss allowance to noncurrent loans | 21.5837% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 9.6362% | 150 |
| Noncurrent loans to loans | 11.7024% | 92 |
| Net loans and leases to total assets | 80.2639% | 524 |
| Net loans and leases to deposits | 86.1482% | 1,597 |
| Net loans and leases to core deposits | 91.7027% | 1,789 |
| Total domestic deposits to total assets | 93.1696% | 114 |
| Equity capital to assets | 6.2051% | 6,671 |
| Core capital (leverage) ratio | 6.3469% | 6,684 |
| Tier 1 risk-based capital ratio | 11.9941% | 5,780 |
| Total risk-based capital ratio | 13.2800% | 5,698 |
| Memoranda: | ||
| Average total assets | $38,513,250 | 6,402 |
| Average earning assets | $35,952,750 | 6,358 |
| Average equity | $2,789,250 | 6,649 |
| Average total loans | $30,534,250 | 5,787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,763 |
| Cost of funding earning assets | 0.4020% | 4,924 |
| Net interest margin | 4.2241% | 1,214 |
| Noninterest income to average assets | 6.8971% | 103 |
| Noninterest expense to average assets | 9.5950% | 85 |
| Loan and lease loss provision to assets | 0.6448% | 385 |
| Net operating income to assets | 0.6087% | 4,242 |
| Return on assets (ROA) | 0.6087% | 4,415 |
| Pretax return on assets | 0.6139% | 4,975 |
| Return on Equity (ROE) | 8.0318% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.0318% | 1,474 |
| Net charge-offs to loans | 1.0938% | 548 |
| Credit loss provision to net charge-offs | 75.3012% | 2,716 |
| Earnings coverage of net charge-offs (x) | 1.4699% | 4,046 |
| Efficiency ratio | 88.4030% | 1,186 |
| Assets per employee ($millions) | 1.6001% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6213% | 858 |
| Loan loss allowance to noncurrent loans | 24.1155% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 8.3902% | 224 |
| Noncurrent loans to loans | 10.8697% | 124 |
| Net loans and leases to total assets | 75.1654% | 1,090 |
| Net loans and leases to deposits | 81.6803% | 2,092 |
| Net loans and leases to core deposits | 81.6803% | 2,832 |
| Total domestic deposits to total assets | 92.0239% | 245 |
| Equity capital to assets | 7.5074% | 6,437 |
| Core capital (leverage) ratio | 7.3829% | 6,501 |
| Tier 1 risk-based capital ratio | 14.5931% | 4,033 |
| Total risk-based capital ratio | 15.8742% | 3,980 |
| Memoranda: | ||
| Average total assets | $38,770,000 | 6,440 |
| Average earning assets | $36,315,330 | 6,390 |
| Average equity | $2,938,330 | 6,670 |
| Average total loans | $30,352,670 | 5,832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,531 |
| Cost of funding earning assets | 0.4145% | 4,967 |
| Net interest margin | 4.2872% | 992 |
| Noninterest income to average assets | 8.9542% | 76 |
| Noninterest expense to average assets | 8.8515% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.1382% | 57 |
| Return on assets (ROA) | 4.1382% | 61 |
| Pretax return on assets | 4.1382% | 79 |
| Return on Equity (ROE) | 54.3493% | 25 |
| Retained earnings to average equity (ytd only) | 54.3493% | 16 |
| Net charge-offs to loans | -0.8206% | 6,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1423% | 4,282 |
| Assets per employee ($millions) | 1.5233% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 709 |
| Loan loss allowance to noncurrent loans | 20.4788% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 10.8620% | 159 |
| Noncurrent loans to loans | 14.3057% | 93 |
| Net loans and leases to total assets | 73.7035% | 1,115 |
| Net loans and leases to deposits | 80.4005% | 2,029 |
| Net loans and leases to core deposits | 80.4005% | 2,759 |
| Total domestic deposits to total assets | 91.6705% | 314 |
| Equity capital to assets | 7.9963% | 6,378 |
| Core capital (leverage) ratio | 8.2296% | 5,905 |
| Tier 1 risk-based capital ratio | 13.7690% | 4,679 |
| Total risk-based capital ratio | 15.0515% | 4,611 |
| Memoranda: | ||
| Average total assets | $38,954,000 | 6,495 |
| Average earning assets | $36,667,500 | 6,440 |
| Average equity | $2,966,000 | 6,733 |
| Average total loans | $30,708,000 | 5,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1821% | 1,150 |
| Cost of funding earning assets | 0.4617% | 5,485 |
| Net interest margin | 4.7203% | 628 |
| Noninterest income to average assets | 0.3911% | 4,679 |
| Noninterest expense to average assets | 8.5153% | 103 |
| Loan and lease loss provision to assets | 1.2782% | 275 |
| Net operating income to assets | -5.0667% | 7,058 |
| Return on assets (ROA) | -5.0667% | 7,060 |
| Pretax return on assets | -5.0642% | 7,060 |
| Return on Equity (ROE) | -61.9452% | 7,041 |
| Retained earnings to average equity (ytd only) | -61.9452% | 7,040 |
| Net charge-offs to loans | 6.6154% | 10 |
| Credit loss provision to net charge-offs | 22.9358% | 5,243 |
| Earnings coverage of net charge-offs (x) | -0.6794% | 5,708 |
| Efficiency ratio | 180.0541% | 54 |
| Assets per employee ($millions) | 1.5959% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6097% | 1,010 |
| Loan loss allowance to noncurrent loans | 18.0893% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 11.8062% | 149 |
| Noncurrent loans to loans | 14.4270% | 87 |
| Net loans and leases to total assets | 79.6982% | 501 |
| Net loans and leases to deposits | 86.2365% | 1,488 |
| Net loans and leases to core deposits | 86.2365% | 2,286 |
| Total domestic deposits to total assets | 92.4182% | 181 |
| Equity capital to assets | 7.2189% | 6,722 |
| Core capital (leverage) ratio | 7.3692% | 6,555 |
| Tier 1 risk-based capital ratio | 11.7835% | 5,916 |
| Total risk-based capital ratio | 13.1004% | 5,837 |
| Memoranda: | ||
| Average total assets | $39,117,800 | 6,529 |
| Average earning assets | $35,950,800 | 6,502 |
| Average equity | $3,199,600 | 6,743 |
| Average total loans | $32,953,200 | 5,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4377% | 767 |
| Cost of funding earning assets | 0.4738% | 5,604 |
| Net interest margin | 4.9639% | 426 |
| Noninterest income to average assets | 0.2916% | 5,440 |
| Noninterest expense to average assets | 8.1954% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -3.3602% | 7,123 |
| Return on assets (ROA) | -3.3602% | 7,124 |
| Pretax return on assets | -3.3568% | 7,121 |
| Return on Equity (ROE) | -39.9395% | 7,099 |
| Retained earnings to average equity (ytd only) | -39.9395% | 7,092 |
| Net charge-offs to loans | 4.1411% | 75 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.9556% | 5,570 |
| Efficiency ratio | 169.3763% | 63 |
| Assets per employee ($millions) | 1.3029% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7186% | 175 |
| Loan loss allowance to noncurrent loans | 44.6958% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 8.6573% | 327 |
| Noncurrent loans to loans | 10.5571% | 221 |
| Net loans and leases to total assets | 78.1357% | 716 |
| Net loans and leases to deposits | 87.1421% | 1,460 |
| Net loans and leases to core deposits | 87.1421% | 2,326 |
| Total domestic deposits to total assets | 89.6647% | 1,040 |
| Equity capital to assets | 9.9410% | 4,583 |
| Core capital (leverage) ratio | 9.4206% | 4,392 |
| Tier 1 risk-based capital ratio | 18.0256% | 2,329 |
| Total risk-based capital ratio | 19.3454% | 2,274 |
| Memoranda: | ||
| Average total assets | $39,321,750 | 6,606 |
| Average earning assets | $36,019,000 | 6,580 |
| Average equity | $3,308,250 | 6,811 |
| Average total loans | $33,355,500 | 5,856 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 483 |
| Cost of funding earning assets | 0.4667% | 5,852 |
| Net interest margin | 5.2324% | 274 |
| Noninterest income to average assets | 0.2962% | 5,439 |
| Noninterest expense to average assets | 7.6466% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.5706% | 7,129 |
| Return on assets (ROA) | -2.5706% | 7,136 |
| Pretax return on assets | -2.5656% | 7,122 |
| Return on Equity (ROE) | -32.4153% | 7,119 |
| Retained earnings to average equity (ytd only) | -32.4153% | 7,111 |
| Net charge-offs to loans | 2.6065% | 263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.1483% | 5,320 |
| Efficiency ratio | 150.4941% | 99 |
| Assets per employee ($millions) | 1.3882% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3245% | 68 |
| Loan loss allowance to noncurrent loans | 214.7490% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 2.7622% | 1,994 |
| Noncurrent loans to loans | 2.9451% | 2,025 |
| Net loans and leases to total assets | 75.5328% | 1,025 |
| Net loans and leases to deposits | 84.7232% | 1,754 |
| Net loans and leases to core deposits | 84.7232% | 2,599 |
| Total domestic deposits to total assets | 89.1525% | 1,417 |
| Equity capital to assets | 10.5196% | 3,666 |
| Core capital (leverage) ratio | 10.5883% | 2,723 |
| Tier 1 risk-based capital ratio | 19.0534% | 1,955 |
| Total risk-based capital ratio | 20.4031% | 1,905 |
| Memoranda: | ||
| Average total assets | $39,834,670 | 6,636 |
| Average earning assets | $36,426,670 | 6,607 |
| Average equity | $3,159,000 | 6,875 |
| Average total loans | $34,146,000 | 5,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 367 |
| Cost of funding earning assets | 0.4633% | 6,060 |
| Net interest margin | 5.4164% | 209 |
| Noninterest income to average assets | -0.1110% | 7,173 |
| Noninterest expense to average assets | 7.3896% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.5440% | 7,195 |
| Return on assets (ROA) | -2.5440% | 7,197 |
| Pretax return on assets | -2.5440% | 7,180 |
| Return on Equity (ROE) | -38.4586% | 7,197 |
| Retained earnings to average equity (ytd only) | -38.4586% | 7,179 |
| Net charge-offs to loans | 5.4075% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5328% | 4,508 |
| Efficiency ratio | 152.5000% | 98 |
| Assets per employee ($millions) | 1.4209% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9501% | 87 |
| Loan loss allowance to noncurrent loans | 946.2617% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 4,662 |
| Noncurrent loans to loans | 0.6288% | 5,388 |
| Net loans and leases to total assets | 80.4504% | 368 |
| Net loans and leases to deposits | 91.2481% | 855 |
| Net loans and leases to core deposits | 91.2481% | 1,724 |
| Total domestic deposits to total assets | 88.1667% | 2,206 |
| Equity capital to assets | 11.2979% | 2,630 |
| Core capital (leverage) ratio | 11.2513% | 2,075 |
| Tier 1 risk-based capital ratio | 19.7192% | 1,774 |
| Total risk-based capital ratio | 21.0616% | 1,728 |
| Memoranda: | ||
| Average total assets | $39,623,000 | 6,697 |
| Average earning assets | $36,260,500 | 6,666 |
| Average equity | $2,621,000 | 7,035 |
| Average total loans | $34,988,500 | 5,871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 379 |
| Cost of funding earning assets | 0.4652% | 6,676 |
| Net interest margin | 5.6143% | 149 |
| Noninterest income to average assets | 0.7207% | 2,493 |
| Noninterest expense to average assets | 6.6482% | 160 |
| Loan and lease loss provision to assets | 4.7608% | 26 |
| Net operating income to assets | -5.6285% | 7,317 |
| Return on assets (ROA) | -5.6285% | 7,317 |
| Pretax return on assets | -5.6261% | 7,321 |
| Return on Equity (ROE) | -116.5751% | 7,325 |
| Retained earnings to average equity (ytd only) | -116.5751% | 7,325 |
| Net charge-offs to loans | 1.1167% | 1,539 |
| Credit loss provision to net charge-offs | 488.8614% | 466 |
| Earnings coverage of net charge-offs (x) | -0.8886% | 6,173 |
| Efficiency ratio | 114.9646% | 354 |
| Assets per employee ($millions) | 1.4093% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9497% | 50 |
| Loan loss allowance to noncurrent loans | 566.4399% | 627 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 3,683 |
| Noncurrent loans to loans | 1.2269% | 4,318 |
| Net loans and leases to total assets | 84.7592% | 176 |
| Net loans and leases to deposits | 86.8885% | 1,551 |
| Net loans and leases to core deposits | 87.4886% | 2,437 |
| Total domestic deposits to total assets | 97.5494% | 17 |
| Equity capital to assets | 1.8931% | 7,329 |
| Core capital (leverage) ratio | 1.8363% | 7,330 |
| Tier 1 risk-based capital ratio | 3.0751% | 7,313 |
| Total risk-based capital ratio | 4.4377% | 7,311 |
| Memoranda: | ||
| Average total assets | $41,485,000 | 6,615 |
| Average earning assets | $37,404,200 | 6,627 |
| Average equity | $2,003,000 | 7,209 |
| Average total loans | $36,177,200 | 5,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 417 |
| Cost of funding earning assets | 0.4589% | 6,853 |
| Net interest margin | 5.5944% | 154 |
| Noninterest income to average assets | 0.7112% | 2,536 |
| Noninterest expense to average assets | 6.3091% | 178 |
| Loan and lease loss provision to assets | 4.1277% | 54 |
| Net operating income to assets | -4.6961% | 7,364 |
| Return on assets (ROA) | -4.6961% | 7,367 |
| Pretax return on assets | -4.6929% | 7,369 |
| Return on Equity (ROE) | -85.1079% | 7,366 |
| Retained earnings to average equity (ytd only) | -85.1079% | 7,366 |
| Net charge-offs to loans | 0.1178% | 4,846 |
| Credit loss provision to net charge-offs | 4,062.5000% | 79 |
| Earnings coverage of net charge-offs (x) | -5.5620% | 6,106 |
| Efficiency ratio | 109.8397% | 431 |
| Assets per employee ($millions) | 1.6686% | 7,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9273% | 96 |
| Loan loss allowance to noncurrent loans | 421.3052% | 761 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 3,651 |
| Noncurrent loans to loans | 1.4069% | 4,183 |
| Net loans and leases to total assets | 83.5099% | 255 |
| Net loans and leases to deposits | 87.3830% | 1,509 |
| Net loans and leases to core deposits | 87.9656% | 2,498 |
| Total domestic deposits to total assets | 95.5676% | 39 |
| Equity capital to assets | 3.8427% | 7,331 |
| Core capital (leverage) ratio | 3.7730% | 7,314 |
| Tier 1 risk-based capital ratio | 6.2600% | 7,287 |
| Total risk-based capital ratio | 7.5995% | 7,282 |
| Memoranda: | ||
| Average total assets | $41,991,250 | 6,661 |
| Average earning assets | $37,774,750 | 6,668 |
| Average equity | $2,317,000 | 7,233 |
| Average total loans | $36,235,500 | 5,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 575 |
| Cost of funding earning assets | 0.4521% | 7,002 |
| Net interest margin | 5.4519% | 191 |
| Noninterest income to average assets | 0.7129% | 2,477 |
| Noninterest expense to average assets | 6.3066% | 175 |
| Loan and lease loss provision to assets | 6.1783% | 27 |
| Net operating income to assets | -6.9054% | 7,480 |
| Return on assets (ROA) | -6.9054% | 7,483 |
| Pretax return on assets | -6.9006% | 7,480 |
| Return on Equity (ROE) | -113.7378% | 7,448 |
| Retained earnings to average equity (ytd only) | -113.7378% | 7,448 |
| Net charge-offs to loans | 0.2780% | 3,501 |
| Credit loss provision to net charge-offs | 2,600.0000% | 124 |
| Earnings coverage of net charge-offs (x) | -3.0400% | 5,753 |
| Efficiency ratio | 112.9362% | 425 |
| Assets per employee ($millions) | 1.6664% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7256% | 122 |
| Loan loss allowance to noncurrent loans | 287.9630% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 2.4387% | 2,723 |
| Noncurrent loans to loans | 1.9883% | 3,500 |
| Net loans and leases to total assets | 86.0397% | 137 |
| Net loans and leases to deposits | 90.2510% | 1,244 |
| Net loans and leases to core deposits | 90.8526% | 2,273 |
| Total domestic deposits to total assets | 95.3338% | 43 |
| Equity capital to assets | 3.9101% | 7,395 |
| Core capital (leverage) ratio | 3.7976% | 7,390 |
| Tier 1 risk-based capital ratio | 6.1418% | 7,357 |
| Total risk-based capital ratio | 7.4841% | 7,357 |
| Memoranda: | ||
| Average total assets | $42,083,000 | 6,717 |
| Average earning assets | $37,601,670 | 6,739 |
| Average equity | $2,555,000 | 7,238 |
| Average total loans | $35,970,000 | 5,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 1,083 |
| Cost of funding earning assets | 0.4592% | 7,093 |
| Net interest margin | 5.1259% | 290 |
| Noninterest income to average assets | 0.9363% | 1,519 |
| Noninterest expense to average assets | 6.6865% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2106% | 7,103 |
| Return on assets (ROA) | -1.2106% | 7,104 |
| Pretax return on assets | -1.2106% | 7,065 |
| Return on Equity (ROE) | -16.9649% | 7,182 |
| Retained earnings to average equity (ytd only) | -16.9649% | 7,093 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1071% | 326 |
| Assets per employee ($millions) | 1.6450% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 1,380 |
| Loan loss allowance to noncurrent loans | 79.6392% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.9646% | 2,327 |
| Noncurrent loans to loans | 3.2080% | 2,338 |
| Net loans and leases to total assets | 82.6658% | 297 |
| Net loans and leases to deposits | 89.4073% | 1,307 |
| Net loans and leases to core deposits | 91.8531% | 2,148 |
| Total domestic deposits to total assets | 92.4598% | 182 |
| Equity capital to assets | 6.9065% | 7,116 |
| Core capital (leverage) ratio | 6.9320% | 7,035 |
| Tier 1 risk-based capital ratio | 11.5229% | 6,087 |
| Total risk-based capital ratio | 12.8023% | 6,044 |
| Memoranda: | ||
| Average total assets | $42,294,000 | 6,750 |
| Average earning assets | $37,456,500 | 6,787 |
| Average equity | $3,018,000 | 7,165 |
| Average total loans | $34,944,000 | 6,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 1,226 |
| Cost of funding earning assets | 0.5274% | 7,259 |
| Net interest margin | 5.2930% | 245 |
| Noninterest income to average assets | 1.0114% | 1,469 |
| Noninterest expense to average assets | 6.1799% | 210 |
| Loan and lease loss provision to assets | 0.9356% | 1,743 |
| Net operating income to assets | -1.3999% | 6,877 |
| Return on assets (ROA) | -1.3999% | 6,896 |
| Pretax return on assets | -1.3975% | 6,818 |
| Return on Equity (ROE) | -14.8343% | 6,914 |
| Retained earnings to average equity (ytd only) | -14.8343% | 6,877 |
| Net charge-offs to loans | 1.9798% | 1,026 |
| Credit loss provision to net charge-offs | 57.9179% | 6,118 |
| Earnings coverage of net charge-offs (x) | -0.2859% | 6,350 |
| Efficiency ratio | 108.0779% | 574 |
| Assets per employee ($millions) | 1.8181% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7586% | 1,105 |
| Loan loss allowance to noncurrent loans | 168.5455% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 8.8218% | 518 |
| Noncurrent loans to loans | 1.6367% | 4,046 |
| Net loans and leases to total assets | 78.1429% | 923 |
| Net loans and leases to deposits | 84.7279% | 2,333 |
| Net loans and leases to core deposits | 88.5580% | 2,971 |
| Total domestic deposits to total assets | 92.2280% | 232 |
| Equity capital to assets | 7.3702% | 6,958 |
| Core capital (leverage) ratio | 7.1175% | 6,962 |
| Tier 1 risk-based capital ratio | 11.6522% | 5,770 |
| Total risk-based capital ratio | 12.9301% | 5,748 |
| Memoranda: | ||
| Average total assets | $42,217,800 | 6,788 |
| Average earning assets | $37,540,000 | 6,816 |
| Average equity | $3,984,000 | 7,010 |
| Average total loans | $34,447,200 | 6,188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0282% | 882 |
| Cost of funding earning assets | 0.5362% | 7,392 |
| Net interest margin | 5.4919% | 177 |
| Noninterest income to average assets | 1.3327% | 765 |
| Noninterest expense to average assets | 6.0871% | 216 |
| Loan and lease loss provision to assets | 0.1134% | 5,898 |
| Net operating income to assets | 0.0662% | 5,848 |
| Return on assets (ROA) | 0.0662% | 5,988 |
| Pretax return on assets | 0.0693% | 5,971 |
| Return on Equity (ROE) | 0.6652% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.6652% | 5,536 |
| Net charge-offs to loans | 0.3001% | 4,164 |
| Credit loss provision to net charge-offs | 46.1538% | 5,942 |
| Earnings coverage of net charge-offs (x) | 0.7436% | 5,321 |
| Efficiency ratio | 97.0854% | 866 |
| Assets per employee ($millions) | 1.8747% | 7,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,698 |
| Loan loss allowance to noncurrent loans | 12.1741% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 9.4297% | 452 |
| Noncurrent loans to loans | 11.1163% | 341 |
| Net loans and leases to total assets | 83.6800% | 353 |
| Net loans and leases to deposits | 93.8951% | 1,209 |
| Net loans and leases to core deposits | 98.1503% | 2,022 |
| Total domestic deposits to total assets | 89.1208% | 1,332 |
| Equity capital to assets | 10.1231% | 3,989 |
| Core capital (leverage) ratio | 10.0273% | 3,226 |
| Tier 1 risk-based capital ratio | 15.9955% | 2,768 |
| Total risk-based capital ratio | 17.2524% | 2,713 |
| Memoranda: | ||
| Average total assets | $42,318,000 | 6,875 |
| Average earning assets | $38,042,750 | 6,877 |
| Average equity | $4,209,500 | 7,002 |
| Average total loans | $34,658,000 | 6,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1016% | 752 |
| Cost of funding earning assets | 0.5470% | 7,482 |
| Net interest margin | 5.5546% | 153 |
| Noninterest income to average assets | 1.5220% | 556 |
| Noninterest expense to average assets | 5.9261% | 230 |
| Loan and lease loss provision to assets | 0.1712% | 5,154 |
| Net operating income to assets | 0.3948% | 4,776 |
| Return on assets (ROA) | 0.3948% | 4,937 |
| Pretax return on assets | 0.3995% | 5,225 |
| Return on Equity (ROE) | 3.9926% | 4,781 |
| Retained earnings to average equity (ytd only) | 3.9926% | 3,538 |
| Net charge-offs to loans | 0.4586% | 3,164 |
| Credit loss provision to net charge-offs | 46.1538% | 5,501 |
| Earnings coverage of net charge-offs (x) | 1.5385% | 4,338 |
| Efficiency ratio | 91.2152% | 1,245 |
| Assets per employee ($millions) | 1.7211% | 7,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,457 |
| Loan loss allowance to noncurrent loans | 44.2359% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.6006% | 2,788 |
| Noncurrent loans to loans | 3.1535% | 2,541 |
| Net loans and leases to total assets | 81.3168% | 628 |
| Net loans and leases to deposits | 91.2384% | 1,659 |
| Net loans and leases to core deposits | 95.3769% | 2,523 |
| Total domestic deposits to total assets | 89.1257% | 1,366 |
| Equity capital to assets | 10.2886% | 3,664 |
| Core capital (leverage) ratio | 10.1674% | 2,975 |
| Tier 1 risk-based capital ratio | 17.4010% | 2,131 |
| Total risk-based capital ratio | 18.6589% | 2,094 |
| Memoranda: | ||
| Average total assets | $42,051,000 | 6,930 |
| Average earning assets | $37,662,330 | 6,940 |
| Average equity | $4,157,670 | 7,056 |
| Average total loans | $34,018,330 | 6,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1398% | 721 |
| Cost of funding earning assets | 0.5493% | 7,605 |
| Net interest margin | 5.5904% | 157 |
| Noninterest income to average assets | 1.7035% | 439 |
| Noninterest expense to average assets | 6.0728% | 217 |
| Loan and lease loss provision to assets | 0.3465% | 3,304 |
| Net operating income to assets | 0.2791% | 5,375 |
| Return on assets (ROA) | 0.2791% | 5,508 |
| Pretax return on assets | 0.2791% | 5,664 |
| Return on Equity (ROE) | 2.8834% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.8834% | 4,402 |
| Net charge-offs to loans | 0.7451% | 2,019 |
| Credit loss provision to net charge-offs | 58.0645% | 4,339 |
| Earnings coverage of net charge-offs (x) | 1.0484% | 4,137 |
| Efficiency ratio | 90.6609% | 1,382 |
| Assets per employee ($millions) | 1.7164% | 7,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,846 |
| Loan loss allowance to noncurrent loans | 157.7160% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 5,641 |
| Noncurrent loans to loans | 0.9589% | 5,423 |
| Net loans and leases to total assets | 77.5572% | 1,230 |
| Net loans and leases to deposits | 86.9289% | 2,417 |
| Net loans and leases to core deposits | 89.6549% | 3,415 |
| Total domestic deposits to total assets | 89.2190% | 1,409 |
| Equity capital to assets | 10.1913% | 3,623 |
| Core capital (leverage) ratio | 10.5434% | 2,579 |
| Tier 1 risk-based capital ratio | 18.1958% | 1,900 |
| Total risk-based capital ratio | 19.4566% | 1,868 |
| Memoranda: | ||
| Average total assets | $41,562,500 | 7,037 |
| Average earning assets | $37,135,000 | 7,047 |
| Average equity | $4,023,000 | 7,177 |
| Average total loans | $33,285,500 | 6,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 2,844 |
| Cost of funding earning assets | 0.8784% | 7,442 |
| Net interest margin | 4.8760% | 588 |
| Noninterest income to average assets | 1.1944% | 1,081 |
| Noninterest expense to average assets | 6.6888% | 232 |
| Loan and lease loss provision to assets | 0.8776% | 2,553 |
| Net operating income to assets | -2.0192% | 7,103 |
| Return on assets (ROA) | -2.0192% | 7,099 |
| Pretax return on assets | -2.0167% | 6,949 |
| Return on Equity (ROE) | -18.6814% | 7,096 |
| Retained earnings to average equity (ytd only) | -18.6814% | 7,055 |
| Net charge-offs to loans | 0.4048% | 4,202 |
| Credit loss provision to net charge-offs | 270.5426% | 1,281 |
| Earnings coverage of net charge-offs (x) | -3.5116% | 7,074 |
| Efficiency ratio | 120.5256% | 598 |
| Assets per employee ($millions) | 1.4895% | 7,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7034% | 446 |
| Loan loss allowance to noncurrent loans | 237.5734% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 4,548 |
| Noncurrent loans to loans | 1.5588% | 4,315 |
| Net loans and leases to total assets | 78.4936% | 1,285 |
| Net loans and leases to deposits | 86.7416% | 2,787 |
| Net loans and leases to core deposits | 107.6674% | 3,138 |
| Total domestic deposits to total assets | 90.4913% | 744 |
| Equity capital to assets | 9.1332% | 4,939 |
| Core capital (leverage) ratio | 8.8811% | 4,619 |
| Tier 1 risk-based capital ratio | 16.6463% | 2,260 |
| Total risk-based capital ratio | 17.9473% | 2,203 |
| Memoranda: | ||
| Average total assets | $39,767,800 | 7,102 |
| Average earning assets | $35,520,600 | 7,119 |
| Average equity | $4,298,400 | 7,173 |
| Average total loans | $31,866,600 | 6,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7320% | 3,178 |
| Cost of funding earning assets | 0.9491% | 7,484 |
| Net interest margin | 4.7830% | 712 |
| Noninterest income to average assets | 0.8137% | 2,363 |
| Noninterest expense to average assets | 6.3680% | 265 |
| Loan and lease loss provision to assets | 1.1734% | 1,654 |
| Net operating income to assets | -2.4578% | 7,459 |
| Return on assets (ROA) | -2.4578% | 7,453 |
| Pretax return on assets | -2.4578% | 7,331 |
| Return on Equity (ROE) | -21.8787% | 7,440 |
| Retained earnings to average equity (ytd only) | -21.8787% | 7,406 |
| Net charge-offs to loans | 1.4666% | 1,402 |
| Credit loss provision to net charge-offs | 100.2874% | 5,066 |
| Earnings coverage of net charge-offs (x) | -1.0977% | 6,646 |
| Efficiency ratio | 125.2646% | 525 |
| Assets per employee ($millions) | 1.6382% | 7,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 2,222 |
| Loan loss allowance to noncurrent loans | 109.3156% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.9070% | 3,487 |
| Noncurrent loans to loans | 1.6631% | 4,148 |
| Net loans and leases to total assets | 75.8241% | 2,023 |
| Net loans and leases to deposits | 85.7155% | 3,376 |
| Net loans and leases to core deposits | 106.0734% | 3,693 |
| Total domestic deposits to total assets | 88.4602% | 1,451 |
| Equity capital to assets | 10.5045% | 3,508 |
| Core capital (leverage) ratio | 10.6747% | 2,650 |
| Tier 1 risk-based capital ratio | 19.1319% | 1,714 |
| Total risk-based capital ratio | 20.3994% | 1,677 |
| Memoranda: | ||
| Average total assets | $39,655,750 | 7,168 |
| Average earning assets | $35,402,500 | 7,190 |
| Average equity | $4,454,750 | 7,198 |
| Average total loans | $31,638,000 | 6,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7890% | 3,101 |
| Cost of funding earning assets | 1.0172% | 7,515 |
| Net interest margin | 4.7717% | 695 |
| Noninterest income to average assets | 0.5456% | 4,064 |
| Noninterest expense to average assets | 6.0883% | 310 |
| Loan and lease loss provision to assets | 1.7796% | 933 |
| Net operating income to assets | -3.0645% | 7,693 |
| Return on assets (ROA) | -3.0645% | 7,690 |
| Pretax return on assets | -3.0645% | 7,585 |
| Return on Equity (ROE) | -26.6775% | 7,656 |
| Retained earnings to average equity (ytd only) | -26.6775% | 7,625 |
| Net charge-offs to loans | 2.1744% | 846 |
| Credit loss provision to net charge-offs | 101.4535% | 4,502 |
| Earnings coverage of net charge-offs (x) | -0.7326% | 6,156 |
| Efficiency ratio | 126.7516% | 557 |
| Assets per employee ($millions) | 1.5391% | 8,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 1,871 |
| Loan loss allowance to noncurrent loans | 531.1927% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 5,158 |
| Noncurrent loans to loans | 0.3515% | 6,633 |
| Net loans and leases to total assets | 76.0521% | 2,170 |
| Net loans and leases to deposits | 86.2222% | 3,507 |
| Net loans and leases to core deposits | 107.3058% | 3,690 |
| Total domestic deposits to total assets | 88.2047% | 1,665 |
| Equity capital to assets | 11.0756% | 2,851 |
| Core capital (leverage) ratio | 11.0861% | 2,341 |
| Tier 1 risk-based capital ratio | 20.3751% | 1,509 |
| Total risk-based capital ratio | 21.6440% | 1,464 |
| Memoranda: | ||
| Average total assets | $39,223,000 | 7,248 |
| Average earning assets | $34,997,670 | 7,265 |
| Average equity | $4,505,670 | 7,240 |
| Average total loans | $31,641,330 | 6,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 2,784 |
| Cost of funding earning assets | 1.0648% | 7,575 |
| Net interest margin | 4.8378% | 566 |
| Noninterest income to average assets | 0.5769% | 3,712 |
| Noninterest expense to average assets | 5.6868% | 338 |
| Loan and lease loss provision to assets | 3.5955% | 285 |
| Net operating income to assets | -4.3991% | 8,009 |
| Return on assets (ROA) | -4.3991% | 8,002 |
| Pretax return on assets | -4.3991% | 7,943 |
| Return on Equity (ROE) | -37.6004% | 7,966 |
| Retained earnings to average equity (ytd only) | -37.6004% | 7,940 |
| Net charge-offs to loans | 4.3059% | 273 |
| Credit loss provision to net charge-offs | 101.4535% | 3,681 |
| Earnings coverage of net charge-offs (x) | -0.2267% | 5,150 |
| Efficiency ratio | 116.4557% | 686 |
| Assets per employee ($millions) | 1.5745% | 8,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 5,541 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.5509% | 1,682 |
| Net loans and leases to deposits | 89.5739% | 2,997 |
| Net loans and leases to core deposits | 105.7094% | 3,946 |
| Total domestic deposits to total assets | 87.6940% | 1,888 |
| Equity capital to assets | 11.7013% | 2,449 |
| Core capital (leverage) ratio | 11.6996% | 2,043 |
| Tier 1 risk-based capital ratio | 21.2199% | 1,418 |
| Total risk-based capital ratio | 22.4869% | 1,378 |
| Memoranda: | ||
| Average total assets | $38,826,500 | 7,308 |
| Average earning assets | $34,561,000 | 7,326 |
| Average equity | $4,542,500 | 7,277 |
| Average total loans | $31,956,000 | 6,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4942% | 2,984 |
| Cost of funding earning assets | 1.0637% | 8,025 |
| Net interest margin | 5.4305% | 226 |
| Noninterest income to average assets | 0.7949% | 2,547 |
| Noninterest expense to average assets | 5.6744% | 471 |
| Loan and lease loss provision to assets | 1.7359% | 742 |
| Net operating income to assets | -1.9051% | 7,589 |
| Return on assets (ROA) | -1.9077% | 7,544 |
| Pretax return on assets | -1.9051% | 7,409 |
| Return on Equity (ROE) | -14.3126% | 7,554 |
| Retained earnings to average equity (ytd only) | -14.3126% | 7,416 |
| Net charge-offs to loans | 0.8416% | 1,492 |
| Credit loss provision to net charge-offs | 247.9853% | 1,879 |
| Earnings coverage of net charge-offs (x) | -0.2381% | 6,390 |
| Efficiency ratio | 103.0261% | 890 |
| Assets per employee ($millions) | 1.5316% | 8,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0667% | 411 |
| Loan loss allowance to noncurrent loans | 238.3693% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 2,786 |
| Noncurrent loans to loans | 1.2865% | 3,939 |
| Net loans and leases to total assets | 82.0554% | 1,220 |
| Net loans and leases to deposits | 93.1900% | 2,928 |
| Net loans and leases to core deposits | 108.1177% | 3,953 |
| Total domestic deposits to total assets | 88.0517% | 1,451 |
| Equity capital to assets | 11.6976% | 2,505 |
| Core capital (leverage) ratio | 11.1103% | 2,502 |
| Tier 1 risk-based capital ratio | 20.4503% | 1,546 |
| Total risk-based capital ratio | 21.7427% | 1,500 |
| Memoranda: | ||
| Average total assets | $39,000,000 | 7,260 |
| Average earning assets | $33,845,600 | 7,329 |
| Average equity | $5,198,200 | 7,084 |
| Average total loans | $32,438,800 | 6,585 |