Home > Pan Pacific Bank > Performance and Condition Ratios
Pan Pacific Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 919 |
| Cost of funding earning assets | 0.3739% | 3,502 |
| Net interest margin | 4.4329% | 746 |
| Noninterest income to average assets | 0.1927% | 5,504 |
| Noninterest expense to average assets | 3.5492% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4134% | 5,114 |
| Return on assets (ROA) | 0.4215% | 5,169 |
| Pretax return on assets | 0.7184% | 4,620 |
| Return on Equity (ROE) | 3.1942% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.1942% | 4,188 |
| Net charge-offs to loans | -0.0193% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4134% | 1,227 |
| Assets per employee ($millions) | 5.2399% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 2,259 |
| Loan loss allowance to noncurrent loans | 470.9859% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,759 |
| Noncurrent loans to loans | 0.3132% | 4,473 |
| Net loans and leases to total assets | 78.9393% | 966 |
| Net loans and leases to deposits | 92.9413% | 1,309 |
| Net loans and leases to core deposits | 103.5195% | 1,265 |
| Total domestic deposits to total assets | 84.9347% | 3,039 |
| Equity capital to assets | 12.9689% | 1,464 |
| Core capital (leverage) ratio | 11.2233% | 2,273 |
| Tier 1 risk-based capital ratio | 12.8902% | 4,492 |
| Total risk-based capital ratio | 14.1536% | 4,407 |
| Memoranda: | ||
| Average total assets | $136,965,000 | 3,806 |
| Average earning assets | $125,512,250 | 3,818 |
| Average equity | $18,074,250 | 3,399 |
| Average total loans | $103,676,750 | 3,350 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,264 |
| Cost of funding earning assets | 0.3649% | 3,649 |
| Net interest margin | 4.2427% | 1,021 |
| Noninterest income to average assets | 0.1831% | 5,595 |
| Noninterest expense to average assets | 3.4918% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3243% | 5,371 |
| Return on assets (ROA) | 0.3366% | 5,442 |
| Pretax return on assets | 0.5729% | 5,039 |
| Return on Equity (ROE) | 2.5357% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.5357% | 4,439 |
| Net charge-offs to loans | -0.0199% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3139% | 1,035 |
| Assets per employee ($millions) | 5.4496% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 2,420 |
| Loan loss allowance to noncurrent loans | 465.6425% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 4,901 |
| Noncurrent loans to loans | 0.3153% | 4,563 |
| Net loans and leases to total assets | 76.0397% | 1,363 |
| Net loans and leases to deposits | 89.7002% | 1,636 |
| Net loans and leases to core deposits | 99.8118% | 1,505 |
| Total domestic deposits to total assets | 84.7709% | 3,226 |
| Equity capital to assets | 12.2911% | 1,811 |
| Core capital (leverage) ratio | 11.9022% | 1,713 |
| Tier 1 risk-based capital ratio | 12.5676% | 4,762 |
| Total risk-based capital ratio | 13.8306% | 4,672 |
| Memoranda: | ||
| Average total assets | $135,461,000 | 3,871 |
| Average earning assets | $123,319,000 | 3,890 |
| Average equity | $17,983,000 | 3,424 |
| Average total loans | $100,451,330 | 3,439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,286 |
| Cost of funding earning assets | 0.3599% | 3,755 |
| Net interest margin | 4.2123% | 1,036 |
| Noninterest income to average assets | 0.2160% | 5,408 |
| Noninterest expense to average assets | 3.5550% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3240% | 5,326 |
| Return on assets (ROA) | 0.3240% | 5,434 |
| Pretax return on assets | 0.5616% | 5,021 |
| Return on Equity (ROE) | 2.3422% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.3422% | 4,517 |
| Net charge-offs to loans | -0.0213% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3568% | 1,148 |
| Assets per employee ($millions) | 5.1536% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,814 |
| Loan loss allowance to noncurrent loans | 455.3425% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,893 |
| Noncurrent loans to loans | 0.3670% | 4,493 |
| Net loans and leases to total assets | 70.2770% | 2,103 |
| Net loans and leases to deposits | 82.5788% | 2,268 |
| Net loans and leases to core deposits | 89.6752% | 2,159 |
| Total domestic deposits to total assets | 85.1029% | 3,355 |
| Equity capital to assets | 12.9466% | 1,434 |
| Core capital (leverage) ratio | 12.5557% | 1,338 |
| Tier 1 risk-based capital ratio | 14.0790% | 3,957 |
| Total risk-based capital ratio | 15.3377% | 3,878 |
| Memoranda: | ||
| Average total assets | $129,622,000 | 3,997 |
| Average earning assets | $120,030,000 | 3,973 |
| Average equity | $17,932,000 | 3,457 |
| Average total loans | $93,901,500 | 3,563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,731 |
| Cost of funding earning assets | 0.4067% | 3,624 |
| Net interest margin | 4.1322% | 1,482 |
| Noninterest income to average assets | 0.2570% | 5,292 |
| Noninterest expense to average assets | 3.9298% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.6745% | 122 |
| Return on assets (ROA) | 2.6745% | 121 |
| Pretax return on assets | 0.1684% | 5,917 |
| Return on Equity (ROE) | 18.5181% | 355 |
| Retained earnings to average equity (ytd only) | 18.5181% | 78 |
| Net charge-offs to loans | -0.0142% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8904% | 511 |
| Assets per employee ($millions) | 4.4480% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 1,372 |
| Loan loss allowance to noncurrent loans | 431.5104% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 4,766 |
| Noncurrent loans to loans | 0.4346% | 4,342 |
| Net loans and leases to total assets | 72.1881% | 1,878 |
| Net loans and leases to deposits | 87.1342% | 1,832 |
| Net loans and leases to core deposits | 96.1824% | 1,700 |
| Total domestic deposits to total assets | 82.8471% | 4,129 |
| Equity capital to assets | 14.8623% | 725 |
| Core capital (leverage) ratio | 12.6725% | 1,270 |
| Tier 1 risk-based capital ratio | 15.8925% | 3,014 |
| Total risk-based capital ratio | 17.1486% | 2,957 |
| Memoranda: | ||
| Average total assets | $114,001,800 | 4,301 |
| Average earning assets | $105,972,800 | 4,269 |
| Average equity | $16,465,000 | 3,608 |
| Average total loans | $84,294,600 | 3,761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 1,811 |
| Cost of funding earning assets | 0.4043% | 3,744 |
| Net interest margin | 4.1129% | 1,535 |
| Noninterest income to average assets | 0.2655% | 5,304 |
| Noninterest expense to average assets | 3.8075% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.5360% | 68 |
| Return on assets (ROA) | 3.5360% | 68 |
| Pretax return on assets | 0.2928% | 5,790 |
| Return on Equity (ROE) | 24.6742% | 109 |
| Retained earnings to average equity (ytd only) | 24.6742% | 36 |
| Net charge-offs to loans | -0.0112% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8592% | 656 |
| Assets per employee ($millions) | 4.1083% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 1,597 |
| Loan loss allowance to noncurrent loans | 415.0754% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 4,931 |
| Noncurrent loans to loans | 0.4434% | 4,572 |
| Net loans and leases to total assets | 73.9452% | 1,533 |
| Net loans and leases to deposits | 88.9880% | 1,557 |
| Net loans and leases to core deposits | 97.7770% | 1,534 |
| Total domestic deposits to total assets | 83.0957% | 4,106 |
| Equity capital to assets | 14.8521% | 766 |
| Core capital (leverage) ratio | 13.1340% | 1,124 |
| Tier 1 risk-based capital ratio | 15.2392% | 3,453 |
| Total risk-based capital ratio | 16.4944% | 3,394 |
| Memoranda: | ||
| Average total assets | $112,478,250 | 4,370 |
| Average earning assets | $104,870,250 | 4,330 |
| Average equity | $16,119,000 | 3,676 |
| Average total loans | $83,280,250 | 3,812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,846 |
| Cost of funding earning assets | 0.4111% | 3,761 |
| Net interest margin | 4.0838% | 1,563 |
| Noninterest income to average assets | 0.2993% | 5,013 |
| Noninterest expense to average assets | 3.7730% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 5.3094% | 46 |
| Return on assets (ROA) | 5.3094% | 46 |
| Pretax return on assets | 0.3465% | 5,680 |
| Return on Equity (ROE) | 37.5409% | 35 |
| Retained earnings to average equity (ytd only) | 37.5409% | 21 |
| Net charge-offs to loans | -0.0148% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5896% | 791 |
| Assets per employee ($millions) | 4.5974% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,440 |
| Loan loss allowance to noncurrent loans | 397.8313% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 4,898 |
| Noncurrent loans to loans | 0.4918% | 4,521 |
| Net loans and leases to total assets | 74.9794% | 1,310 |
| Net loans and leases to deposits | 93.7026% | 984 |
| Net loans and leases to core deposits | 103.8904% | 1,025 |
| Total domestic deposits to total assets | 80.0185% | 5,231 |
| Equity capital to assets | 15.9765% | 560 |
| Core capital (leverage) ratio | 14.0251% | 822 |
| Tier 1 risk-based capital ratio | 16.3425% | 2,911 |
| Total risk-based capital ratio | 17.5993% | 2,858 |
| Memoranda: | ||
| Average total assets | $110,257,330 | 4,442 |
| Average earning assets | $103,139,330 | 4,382 |
| Average equity | $15,593,670 | 3,756 |
| Average total loans | $81,123,330 | 3,876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,130 |
| Cost of funding earning assets | 0.4151% | 3,815 |
| Net interest margin | 3.9860% | 1,815 |
| Noninterest income to average assets | 0.2976% | 4,977 |
| Noninterest expense to average assets | 3.7852% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2686% | 5,601 |
| Return on assets (ROA) | 0.2686% | 5,645 |
| Pretax return on assets | 0.2758% | 5,770 |
| Return on Equity (ROE) | 2.0307% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.0307% | 4,797 |
| Net charge-offs to loans | 0.0050% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 563 |
| Efficiency ratio | 93.2082% | 801 |
| Assets per employee ($millions) | 4.4222% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 1,464 |
| Loan loss allowance to noncurrent loans | 380.5556% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 4,972 |
| Noncurrent loans to loans | 0.5328% | 4,580 |
| Net loans and leases to total assets | 71.8572% | 1,596 |
| Net loans and leases to deposits | 86.7970% | 1,492 |
| Net loans and leases to core deposits | 92.5120% | 1,682 |
| Total domestic deposits to total assets | 82.7876% | 4,670 |
| Equity capital to assets | 13.2722% | 1,182 |
| Core capital (leverage) ratio | 13.4355% | 990 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,714 |
| Total risk-based capital ratio | 18.2128% | 2,660 |
| Memoranda: | ||
| Average total assets | $110,217,500 | 4,480 |
| Average earning assets | $104,063,500 | 4,402 |
| Average equity | $14,576,500 | 3,934 |
| Average total loans | $79,494,500 | 3,950 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,602 |
| Cost of funding earning assets | 0.5584% | 3,036 |
| Net interest margin | 4.1299% | 1,570 |
| Noninterest income to average assets | 0.2642% | 5,455 |
| Noninterest expense to average assets | 3.9150% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2346% | 5,735 |
| Return on assets (ROA) | 0.2346% | 5,799 |
| Pretax return on assets | 0.2439% | 5,856 |
| Return on Equity (ROE) | 1.7644% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.7644% | 4,975 |
| Net charge-offs to loans | 0.1411% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.3363% | 4,232 |
| Efficiency ratio | 94.1359% | 739 |
| Assets per employee ($millions) | 4.5784% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 1,316 |
| Loan loss allowance to noncurrent loans | 361.5385% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 5,010 |
| Noncurrent loans to loans | 0.5841% | 4,521 |
| Net loans and leases to total assets | 69.4014% | 2,109 |
| Net loans and leases to deposits | 83.7808% | 1,966 |
| Net loans and leases to core deposits | 90.0725% | 2,013 |
| Total domestic deposits to total assets | 82.8369% | 4,596 |
| Equity capital to assets | 13.1779% | 1,195 |
| Core capital (leverage) ratio | 13.5502% | 940 |
| Tier 1 risk-based capital ratio | 16.9202% | 2,645 |
| Total risk-based capital ratio | 18.1780% | 2,604 |
| Memoranda: | ||
| Average total assets | $108,251,000 | 4,542 |
| Average earning assets | $102,086,000 | 4,457 |
| Average equity | $14,395,800 | 3,988 |
| Average total loans | $80,096,600 | 3,936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,689 |
| Cost of funding earning assets | 0.5873% | 2,926 |
| Net interest margin | 4.0799% | 1,692 |
| Noninterest income to average assets | 0.2535% | 5,622 |
| Noninterest expense to average assets | 3.9093% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1904% | 5,937 |
| Return on assets (ROA) | 0.1904% | 6,010 |
| Pretax return on assets | 0.2003% | 6,040 |
| Return on Equity (ROE) | 1.4284% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.4284% | 5,412 |
| Net charge-offs to loans | 0.0281% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.5276% | 2,473 |
| Efficiency ratio | 95.1264% | 670 |
| Assets per employee ($millions) | 4.2887% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2540% | 1,247 |
| Loan loss allowance to noncurrent loans | 144.4813% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 3,406 |
| Noncurrent loans to loans | 1.5600% | 2,825 |
| Net loans and leases to total assets | 70.4189% | 1,891 |
| Net loans and leases to deposits | 81.7013% | 2,173 |
| Net loans and leases to core deposits | 87.7256% | 2,220 |
| Total domestic deposits to total assets | 86.1906% | 3,141 |
| Equity capital to assets | 13.4568% | 1,136 |
| Core capital (leverage) ratio | 13.5663% | 997 |
| Tier 1 risk-based capital ratio | 17.2279% | 2,619 |
| Total risk-based capital ratio | 18.4877% | 2,578 |
| Memoranda: | ||
| Average total assets | $107,843,500 | 4,596 |
| Average earning assets | $101,927,000 | 4,501 |
| Average equity | $14,374,750 | 4,042 |
| Average total loans | $80,644,750 | 3,956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 1,564 |
| Cost of funding earning assets | 0.5988% | 2,956 |
| Net interest margin | 4.1037% | 1,531 |
| Noninterest income to average assets | 0.2443% | 5,707 |
| Noninterest expense to average assets | 3.8796% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2351% | 5,809 |
| Return on assets (ROA) | 0.2351% | 5,933 |
| Pretax return on assets | 0.2462% | 6,011 |
| Return on Equity (ROE) | 1.7692% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.7692% | 5,130 |
| Net charge-offs to loans | 0.5429% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.5991% | 4,333 |
| Efficiency ratio | 94.0332% | 761 |
| Assets per employee ($millions) | 4.2519% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,103 |
| Loan loss allowance to noncurrent loans | 125.3878% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 3,442 |
| Noncurrent loans to loans | 1.5192% | 3,022 |
| Net loans and leases to total assets | 74.4116% | 1,191 |
| Net loans and leases to deposits | 86.4270% | 1,533 |
| Net loans and leases to core deposits | 93.5484% | 1,558 |
| Total domestic deposits to total assets | 86.0976% | 3,310 |
| Equity capital to assets | 13.5506% | 1,109 |
| Core capital (leverage) ratio | 13.6531% | 923 |
| Tier 1 risk-based capital ratio | 17.0452% | 2,697 |
| Total risk-based capital ratio | 18.3019% | 2,665 |
| Memoranda: | ||
| Average total assets | $108,052,330 | 4,605 |
| Average earning assets | $102,200,000 | 4,516 |
| Average equity | $14,357,000 | 4,077 |
| Average total loans | $81,779,000 | 3,931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,542 |
| Cost of funding earning assets | 0.6067% | 3,045 |
| Net interest margin | 4.0913% | 1,484 |
| Noninterest income to average assets | 0.2570% | 5,618 |
| Noninterest expense to average assets | 3.7896% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3231% | 5,481 |
| Return on assets (ROA) | 0.3231% | 5,613 |
| Pretax return on assets | 0.3305% | 5,778 |
| Return on Equity (ROE) | 2.4558% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.4558% | 4,797 |
| Net charge-offs to loans | 0.0729% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,287 |
| Efficiency ratio | 91.9786% | 985 |
| Assets per employee ($millions) | 4.7509% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,764 |
| Loan loss allowance to noncurrent loans | 135.1163% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.9011% | 2,475 |
| Noncurrent loans to loans | 1.5649% | 3,194 |
| Net loans and leases to total assets | 77.1986% | 701 |
| Net loans and leases to deposits | 89.9462% | 971 |
| Net loans and leases to core deposits | 96.8864% | 1,150 |
| Total domestic deposits to total assets | 85.8276% | 3,621 |
| Equity capital to assets | 13.7581% | 1,113 |
| Core capital (leverage) ratio | 13.6270% | 895 |
| Tier 1 risk-based capital ratio | 16.2719% | 3,118 |
| Total risk-based capital ratio | 17.5316% | 3,068 |
| Memoranda: | ||
| Average total assets | $108,929,500 | 4,635 |
| Average earning assets | $102,853,000 | 4,545 |
| Average equity | $14,333,500 | 4,130 |
| Average total loans | $82,351,500 | 3,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 2,236 |
| Cost of funding earning assets | 0.7068% | 3,445 |
| Net interest margin | 4.0837% | 2,070 |
| Noninterest income to average assets | 1.1877% | 1,112 |
| Noninterest expense to average assets | 4.1753% | 795 |
| Loan and lease loss provision to assets | 0.1118% | 4,235 |
| Net operating income to assets | 0.8061% | 3,254 |
| Return on assets (ROA) | 0.8061% | 3,506 |
| Pretax return on assets | 0.8113% | 4,252 |
| Return on Equity (ROE) | 7.0278% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.0278% | 1,557 |
| Net charge-offs to loans | 0.1037% | 4,633 |
| Credit loss provision to net charge-offs | 140.6593% | 1,957 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 2,011 |
| Efficiency ratio | 81.8945% | 1,875 |
| Assets per employee ($millions) | 5.1518% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 1,673 |
| Loan loss allowance to noncurrent loans | 97.7753% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 3,008 |
| Noncurrent loans to loans | 2.1854% | 2,483 |
| Net loans and leases to total assets | 71.0382% | 1,640 |
| Net loans and leases to deposits | 81.8748% | 2,011 |
| Net loans and leases to core deposits | 87.8792% | 2,101 |
| Total domestic deposits to total assets | 86.7645% | 2,955 |
| Equity capital to assets | 12.6055% | 1,636 |
| Core capital (leverage) ratio | 12.4195% | 1,355 |
| Tier 1 risk-based capital ratio | 16.4279% | 2,927 |
| Total risk-based capital ratio | 17.6876% | 2,890 |
| Memoranda: | ||
| Average total assets | $114,505,800 | 4,476 |
| Average earning assets | $109,656,600 | 4,350 |
| Average equity | $13,133,600 | 4,326 |
| Average total loans | $87,779,600 | 3,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,388 |
| Cost of funding earning assets | 0.7293% | 3,527 |
| Net interest margin | 4.0721% | 2,200 |
| Noninterest income to average assets | 1.0104% | 1,475 |
| Noninterest expense to average assets | 4.0836% | 847 |
| Loan and lease loss provision to assets | 0.1487% | 3,678 |
| Net operating income to assets | 0.6876% | 3,966 |
| Return on assets (ROA) | 0.6876% | 4,221 |
| Pretax return on assets | 0.6887% | 4,899 |
| Return on Equity (ROE) | 6.1448% | 4,266 |
| Retained earnings to average equity (ytd only) | 6.1448% | 2,606 |
| Net charge-offs to loans | 0.0718% | 4,692 |
| Credit loss provision to net charge-offs | 266.6667% | 1,027 |
| Earnings coverage of net charge-offs (x) | 15.0205% | 1,800 |
| Efficiency ratio | 82.9832% | 1,697 |
| Assets per employee ($millions) | 5.1875% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 2,390 |
| Loan loss allowance to noncurrent loans | 97.7742% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 3,173 |
| Noncurrent loans to loans | 1.9726% | 2,867 |
| Net loans and leases to total assets | 80.2434% | 488 |
| Net loans and leases to deposits | 91.9143% | 981 |
| Net loans and leases to core deposits | 98.9562% | 1,195 |
| Total domestic deposits to total assets | 87.3024% | 2,500 |
| Equity capital to assets | 12.2192% | 2,096 |
| Core capital (leverage) ratio | 11.9621% | 1,678 |
| Tier 1 risk-based capital ratio | 14.4260% | 4,233 |
| Total risk-based capital ratio | 15.6836% | 4,197 |
| Memoranda: | ||
| Average total assets | $114,797,500 | 4,516 |
| Average earning assets | $110,243,750 | 4,382 |
| Average equity | $12,845,250 | 4,428 |
| Average total loans | $89,156,500 | 3,815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 2,940 |
| Cost of funding earning assets | 0.7523% | 3,587 |
| Net interest margin | 3.9421% | 2,744 |
| Noninterest income to average assets | 1.2919% | 849 |
| Noninterest expense to average assets | 4.1314% | 800 |
| Loan and lease loss provision to assets | 0.2226% | 2,856 |
| Net operating income to assets | 0.7355% | 3,676 |
| Return on assets (ROA) | 0.7355% | 3,946 |
| Pretax return on assets | 0.7373% | 4,715 |
| Return on Equity (ROE) | 6.7796% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.7796% | 2,230 |
| Net charge-offs to loans | 0.1185% | 3,991 |
| Credit loss provision to net charge-offs | 246.1538% | 1,169 |
| Earnings coverage of net charge-offs (x) | 10.6154% | 2,034 |
| Efficiency ratio | 81.1475% | 2,007 |
| Assets per employee ($millions) | 5.0958% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 2,189 |
| Loan loss allowance to noncurrent loans | 96.7169% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 3,339 |
| Noncurrent loans to loans | 2.0835% | 2,845 |
| Net loans and leases to total assets | 74.5561% | 1,162 |
| Net loans and leases to deposits | 84.0640% | 1,848 |
| Net loans and leases to core deposits | 90.9812% | 1,876 |
| Total domestic deposits to total assets | 88.6897% | 1,716 |
| Equity capital to assets | 10.8862% | 3,244 |
| Core capital (leverage) ratio | 10.8706% | 2,422 |
| Tier 1 risk-based capital ratio | 13.6515% | 4,705 |
| Total risk-based capital ratio | 14.9098% | 4,667 |
| Memoranda: | ||
| Average total assets | $115,022,000 | 4,529 |
| Average earning assets | $110,855,670 | 4,387 |
| Average equity | $12,478,670 | 4,507 |
| Average total loans | $87,749,330 | 3,862 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 2,976 |
| Cost of funding earning assets | 0.7617% | 3,777 |
| Net interest margin | 3.9571% | 2,681 |
| Noninterest income to average assets | 2.4752% | 305 |
| Noninterest expense to average assets | 4.6309% | 490 |
| Loan and lease loss provision to assets | 0.4494% | 1,381 |
| Net operating income to assets | 1.2218% | 1,679 |
| Return on assets (ROA) | 1.2218% | 1,864 |
| Pretax return on assets | 1.2253% | 2,815 |
| Return on Equity (ROE) | 11.2818% | 1,911 |
| Retained earnings to average equity (ytd only) | 11.2818% | 970 |
| Net charge-offs to loans | 0.2620% | 2,622 |
| Credit loss provision to net charge-offs | 224.5614% | 1,240 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 1,965 |
| Efficiency ratio | 73.4410% | 3,189 |
| Assets per employee ($millions) | 5.0231% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 2,269 |
| Loan loss allowance to noncurrent loans | 95.5224% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6238% | 3,414 |
| Noncurrent loans to loans | 2.1247% | 2,996 |
| Net loans and leases to total assets | 74.8725% | 939 |
| Net loans and leases to deposits | 84.5546% | 1,590 |
| Net loans and leases to core deposits | 91.6509% | 1,684 |
| Total domestic deposits to total assets | 88.5494% | 1,983 |
| Equity capital to assets | 10.9719% | 2,937 |
| Core capital (leverage) ratio | 11.0234% | 2,242 |
| Tier 1 risk-based capital ratio | 13.5611% | 4,786 |
| Total risk-based capital ratio | 14.8198% | 4,763 |
| Memoranda: | ||
| Average total assets | $113,931,500 | 4,600 |
| Average earning assets | $110,282,500 | 4,430 |
| Average equity | $12,338,500 | 4,546 |
| Average total loans | $87,034,500 | 3,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 4,605 |
| Cost of funding earning assets | 0.9032% | 4,090 |
| Net interest margin | 3.7139% | 4,239 |
| Noninterest income to average assets | 0.1663% | 6,298 |
| Noninterest expense to average assets | 4.1672% | 844 |
| Loan and lease loss provision to assets | 0.8384% | 1,161 |
| Net operating income to assets | -1.2652% | 6,841 |
| Return on assets (ROA) | -1.2652% | 6,863 |
| Pretax return on assets | -1.2642% | 6,833 |
| Return on Equity (ROE) | -13.9524% | 6,860 |
| Retained earnings to average equity (ytd only) | -13.9524% | 6,837 |
| Net charge-offs to loans | 1.2002% | 1,400 |
| Credit loss provision to net charge-offs | 88.9479% | 4,056 |
| Earnings coverage of net charge-offs (x) | -0.4516% | 6,062 |
| Efficiency ratio | 111.3788% | 409 |
| Assets per employee ($millions) | 5.3491% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,257 |
| Loan loss allowance to noncurrent loans | 88.3470% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 3,349 |
| Noncurrent loans to loans | 2.2710% | 2,880 |
| Net loans and leases to total assets | 74.8273% | 1,120 |
| Net loans and leases to deposits | 84.1602% | 1,903 |
| Net loans and leases to core deposits | 90.4119% | 2,069 |
| Total domestic deposits to total assets | 88.9106% | 1,606 |
| Equity capital to assets | 10.6835% | 3,319 |
| Core capital (leverage) ratio | 10.8377% | 2,403 |
| Tier 1 risk-based capital ratio | 13.2696% | 4,861 |
| Total risk-based capital ratio | 14.5279% | 4,837 |
| Memoranda: | ||
| Average total assets | $99,827,400 | 4,894 |
| Average earning assets | $96,099,400 | 4,746 |
| Average equity | $9,052,200 | 5,264 |
| Average total loans | $78,402,800 | 4,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 4,614 |
| Cost of funding earning assets | 0.9196% | 4,276 |
| Net interest margin | 3.7445% | 4,136 |
| Noninterest income to average assets | 0.1779% | 6,317 |
| Noninterest expense to average assets | 4.1405% | 851 |
| Loan and lease loss provision to assets | 0.6260% | 1,563 |
| Net operating income to assets | -0.9913% | 6,881 |
| Return on assets (ROA) | -0.9913% | 6,910 |
| Pretax return on assets | -0.9900% | 6,874 |
| Return on Equity (ROE) | -11.5290% | 6,935 |
| Retained earnings to average equity (ytd only) | -11.5290% | 6,902 |
| Net charge-offs to loans | 0.8325% | 1,911 |
| Credit loss provision to net charge-offs | 94.9791% | 3,605 |
| Earnings coverage of net charge-offs (x) | -0.5523% | 5,849 |
| Efficiency ratio | 109.6386% | 434 |
| Assets per employee ($millions) | 5.5484% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4098% | 1,522 |
| Loan loss allowance to noncurrent loans | 66.7037% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 2.5612% | 2,514 |
| Noncurrent loans to loans | 3.6127% | 1,901 |
| Net loans and leases to total assets | 69.1852% | 2,243 |
| Net loans and leases to deposits | 75.0731% | 3,498 |
| Net loans and leases to core deposits | 79.7836% | 3,672 |
| Total domestic deposits to total assets | 92.1571% | 192 |
| Equity capital to assets | 7.5128% | 6,925 |
| Core capital (leverage) ratio | 7.8725% | 6,513 |
| Tier 1 risk-based capital ratio | 10.3245% | 6,849 |
| Total risk-based capital ratio | 11.5880% | 6,831 |
| Memoranda: | ||
| Average total assets | $96,701,250 | 5,016 |
| Average earning assets | $92,934,750 | 4,871 |
| Average equity | $8,315,000 | 5,508 |
| Average total loans | $76,559,500 | 4,293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 3,657 |
| Cost of funding earning assets | 0.9429% | 4,371 |
| Net interest margin | 3.9493% | 3,090 |
| Noninterest income to average assets | 0.1898% | 6,310 |
| Noninterest expense to average assets | 4.3371% | 711 |
| Loan and lease loss provision to assets | 0.5245% | 1,869 |
| Net operating income to assets | -0.8870% | 6,906 |
| Return on assets (ROA) | -0.8870% | 6,908 |
| Pretax return on assets | -0.8849% | 6,857 |
| Return on Equity (ROE) | -9.8500% | 6,934 |
| Retained earnings to average equity (ytd only) | -9.8500% | 6,872 |
| Net charge-offs to loans | 1.2466% | 1,253 |
| Credit loss provision to net charge-offs | 51.1435% | 4,552 |
| Earnings coverage of net charge-offs (x) | -0.3514% | 5,474 |
| Efficiency ratio | 109.0617% | 491 |
| Assets per employee ($millions) | 4.3751% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 2,097 |
| Loan loss allowance to noncurrent loans | 217.5103% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 5,303 |
| Noncurrent loans to loans | 0.9712% | 5,044 |
| Net loans and leases to total assets | 80.1898% | 511 |
| Net loans and leases to deposits | 88.3278% | 1,452 |
| Net loans and leases to core deposits | 93.4311% | 1,970 |
| Total domestic deposits to total assets | 90.7866% | 597 |
| Equity capital to assets | 8.9467% | 5,654 |
| Core capital (leverage) ratio | 8.8681% | 4,932 |
| Tier 1 risk-based capital ratio | 10.5093% | 6,787 |
| Total risk-based capital ratio | 11.7695% | 6,778 |
| Memoranda: | ||
| Average total assets | $93,795,000 | 5,144 |
| Average earning assets | $89,939,000 | 4,995 |
| Average equity | $8,446,670 | 5,477 |
| Average total loans | $77,167,330 | 4,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 3,662 |
| Cost of funding earning assets | 0.9639% | 4,469 |
| Net interest margin | 3.9214% | 3,037 |
| Noninterest income to average assets | 0.1731% | 6,491 |
| Noninterest expense to average assets | 4.5887% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6585% | 6,899 |
| Return on assets (ROA) | -0.6585% | 6,901 |
| Pretax return on assets | -0.6543% | 6,848 |
| Return on Equity (ROE) | -7.2897% | 6,927 |
| Retained earnings to average equity (ytd only) | -7.2897% | 6,697 |
| Net charge-offs to loans | -0.0922% | 7,061 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6309% | 388 |
| Assets per employee ($millions) | 4.5407% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3943% | 1,611 |
| Loan loss allowance to noncurrent loans | 110.6242% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7472% | 3,642 |
| Noncurrent loans to loans | 2.1643% | 3,366 |
| Net loans and leases to total assets | 78.7919% | 643 |
| Net loans and leases to deposits | 86.8026% | 1,606 |
| Net loans and leases to core deposits | 91.2040% | 2,211 |
| Total domestic deposits to total assets | 90.7713% | 726 |
| Equity capital to assets | 8.8941% | 5,358 |
| Core capital (leverage) ratio | 8.7281% | 5,040 |
| Tier 1 risk-based capital ratio | 10.2054% | 6,928 |
| Total risk-based capital ratio | 11.4686% | 6,917 |
| Memoranda: | ||
| Average total assets | $94,754,000 | 5,145 |
| Average earning assets | $90,885,500 | 5,012 |
| Average equity | $8,560,000 | 5,445 |
| Average total loans | $78,118,000 | 4,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 2,749 |
| Cost of funding earning assets | 1.2841% | 3,987 |
| Net interest margin | 4.1007% | 2,557 |
| Noninterest income to average assets | 1.2558% | 941 |
| Noninterest expense to average assets | 4.8344% | 483 |
| Loan and lease loss provision to assets | 1.0288% | 1,573 |
| Net operating income to assets | -0.7550% | 6,554 |
| Return on assets (ROA) | -0.7550% | 6,576 |
| Pretax return on assets | -0.7539% | 6,490 |
| Return on Equity (ROE) | -7.7203% | 6,605 |
| Retained earnings to average equity (ytd only) | -7.7203% | 6,513 |
| Net charge-offs to loans | 0.9420% | 2,297 |
| Credit loss provision to net charge-offs | 126.9179% | 3,187 |
| Earnings coverage of net charge-offs (x) | 0.3392% | 5,766 |
| Efficiency ratio | 94.6188% | 1,029 |
| Assets per employee ($millions) | 4.4835% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 1,688 |
| Loan loss allowance to noncurrent loans | 153.6195% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 4,510 |
| Noncurrent loans to loans | 1.4988% | 4,228 |
| Net loans and leases to total assets | 82.2449% | 432 |
| Net loans and leases to deposits | 90.9898% | 1,400 |
| Net loans and leases to core deposits | 96.1472% | 1,998 |
| Total domestic deposits to total assets | 90.3890% | 894 |
| Equity capital to assets | 9.1755% | 4,877 |
| Core capital (leverage) ratio | 8.7725% | 4,897 |
| Tier 1 risk-based capital ratio | 10.1881% | 6,875 |
| Total risk-based capital ratio | 11.4508% | 6,850 |
| Memoranda: | ||
| Average total assets | $91,656,400 | 5,233 |
| Average earning assets | $86,132,200 | 5,143 |
| Average equity | $8,963,400 | 5,440 |
| Average total loans | $78,877,800 | 4,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4447% | 2,673 |
| Cost of funding earning assets | 1.3341% | 4,018 |
| Net interest margin | 4.1106% | 2,581 |
| Noninterest income to average assets | 1.6009% | 548 |
| Noninterest expense to average assets | 4.7601% | 460 |
| Loan and lease loss provision to assets | 1.2025% | 1,191 |
| Net operating income to assets | -0.5229% | 6,612 |
| Return on assets (ROA) | -0.5229% | 6,659 |
| Pretax return on assets | -0.5214% | 6,571 |
| Return on Equity (ROE) | -5.2628% | 6,667 |
| Retained earnings to average equity (ytd only) | -5.2628% | 6,576 |
| Net charge-offs to loans | 1.0696% | 1,899 |
| Credit loss provision to net charge-offs | 129.9051% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.7358% | 5,323 |
| Efficiency ratio | 87.4832% | 1,494 |
| Assets per employee ($millions) | 4.9337% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,690 |
| Loan loss allowance to noncurrent loans | 220.6813% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 5,431 |
| Noncurrent loans to loans | 1.0230% | 5,191 |
| Net loans and leases to total assets | 79.5932% | 806 |
| Net loans and leases to deposits | 87.8136% | 2,034 |
| Net loans and leases to core deposits | 92.2500% | 2,762 |
| Total domestic deposits to total assets | 90.6388% | 580 |
| Equity capital to assets | 9.0835% | 5,469 |
| Core capital (leverage) ratio | 9.0670% | 4,574 |
| Tier 1 risk-based capital ratio | 10.3398% | 6,873 |
| Total risk-based capital ratio | 11.6003% | 6,865 |
| Memoranda: | ||
| Average total assets | $91,032,250 | 5,322 |
| Average earning assets | $85,046,500 | 5,236 |
| Average equity | $9,044,500 | 5,482 |
| Average total loans | $78,782,000 | 4,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 2,442 |
| Cost of funding earning assets | 1.3605% | 4,118 |
| Net interest margin | 4.1596% | 2,293 |
| Noninterest income to average assets | 0.9403% | 1,542 |
| Noninterest expense to average assets | 4.3939% | 651 |
| Loan and lease loss provision to assets | 1.8557% | 668 |
| Net operating income to assets | -1.4556% | 7,136 |
| Return on assets (ROA) | -1.4556% | 7,148 |
| Pretax return on assets | -1.4533% | 7,062 |
| Return on Equity (ROE) | -14.1980% | 7,114 |
| Retained earnings to average equity (ytd only) | -14.1980% | 7,074 |
| Net charge-offs to loans | 1.7404% | 1,075 |
| Credit loss provision to net charge-offs | 120.5580% | 3,363 |
| Earnings coverage of net charge-offs (x) | 0.2614% | 5,463 |
| Efficiency ratio | 91.6117% | 1,212 |
| Assets per employee ($millions) | 4.9362% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 1,780 |
| Loan loss allowance to noncurrent loans | 210.6205% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8935% | 5,330 |
| Noncurrent loans to loans | 1.0394% | 5,230 |
| Net loans and leases to total assets | 84.0799% | 347 |
| Net loans and leases to deposits | 92.8843% | 1,407 |
| Net loans and leases to core deposits | 99.8531% | 2,037 |
| Total domestic deposits to total assets | 90.5211% | 677 |
| Equity capital to assets | 9.2412% | 5,092 |
| Core capital (leverage) ratio | 9.3831% | 3,988 |
| Tier 1 risk-based capital ratio | 10.0452% | 6,995 |
| Total risk-based capital ratio | 11.3059% | 6,972 |
| Memoranda: | ||
| Average total assets | $88,485,330 | 5,438 |
| Average earning assets | $82,028,000 | 5,367 |
| Average equity | $9,071,670 | 5,482 |
| Average total loans | $78,259,000 | 4,498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 2,151 |
| Cost of funding earning assets | 1.3911% | 4,236 |
| Net interest margin | 4.2091% | 2,005 |
| Noninterest income to average assets | 0.2377% | 6,254 |
| Noninterest expense to average assets | 4.2966% | 727 |
| Loan and lease loss provision to assets | 0.0373% | 6,305 |
| Net operating income to assets | -0.2516% | 6,604 |
| Return on assets (ROA) | -0.2516% | 6,671 |
| Pretax return on assets | -0.2470% | 6,597 |
| Return on Equity (ROE) | -2.3291% | 6,673 |
| Retained earnings to average equity (ytd only) | -2.3291% | 6,263 |
| Net charge-offs to loans | 0.0415% | 5,002 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | -5.6250% | 5,539 |
| Efficiency ratio | 105.1311% | 697 |
| Assets per employee ($millions) | 4.4505% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0575% | 2,044 |
| Loan loss allowance to noncurrent loans | 110.2442% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.6560% | 3,987 |
| Noncurrent loans to loans | 1.8663% | 3,975 |
| Net loans and leases to total assets | 86.9069% | 172 |
| Net loans and leases to deposits | 97.2835% | 974 |
| Net loans and leases to core deposits | 104.5225% | 1,698 |
| Total domestic deposits to total assets | 89.3337% | 1,342 |
| Equity capital to assets | 10.3900% | 3,356 |
| Core capital (leverage) ratio | 10.7941% | 2,371 |
| Tier 1 risk-based capital ratio | 10.9104% | 6,241 |
| Total risk-based capital ratio | 12.1691% | 6,214 |
| Memoranda: | ||
| Average total assets | $85,834,500 | 5,578 |
| Average earning assets | $78,497,500 | 5,563 |
| Average equity | $9,274,000 | 5,462 |
| Average total loans | $77,078,000 | 4,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 4,692 |
| Cost of funding earning assets | 1.2274% | 6,562 |
| Net interest margin | 4.1742% | 2,155 |
| Noninterest income to average assets | 0.1985% | 6,677 |
| Noninterest expense to average assets | 4.0398% | 1,308 |
| Loan and lease loss provision to assets | 3.1803% | 521 |
| Net operating income to assets | -3.0471% | 7,403 |
| Return on assets (ROA) | -3.0471% | 7,413 |
| Pretax return on assets | -3.0459% | 7,305 |
| Return on Equity (ROE) | -23.0874% | 7,235 |
| Retained earnings to average equity (ytd only) | -23.0874% | 7,204 |
| Net charge-offs to loans | 2.6899% | 839 |
| Credit loss provision to net charge-offs | 128.8212% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.0544% | 6,122 |
| Efficiency ratio | 96.7799% | 1,282 |
| Assets per employee ($millions) | 3.9362% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 1,711 |
| Loan loss allowance to noncurrent loans | 74.3707% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.6434% | 2,658 |
| Noncurrent loans to loans | 2.9065% | 2,655 |
| Net loans and leases to total assets | 88.9802% | 129 |
| Net loans and leases to deposits | 100.6693% | 849 |
| Net loans and leases to core deposits | 155.2528% | 406 |
| Total domestic deposits to total assets | 88.3886% | 1,777 |
| Equity capital to assets | 11.2509% | 2,497 |
| Core capital (leverage) ratio | 11.3715% | 1,990 |
| Tier 1 risk-based capital ratio | 11.4801% | 5,407 |
| Total risk-based capital ratio | 12.7367% | 5,368 |
| Memoranda: | ||
| Average total assets | $81,092,600 | 5,697 |
| Average earning assets | $77,236,200 | 5,553 |
| Average equity | $10,702,800 | 5,103 |
| Average total loans | $74,425,800 | 4,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 5,096 |
| Cost of funding earning assets | 1.1808% | 6,943 |
| Net interest margin | 4.1889% | 2,101 |
| Noninterest income to average assets | 0.1850% | 6,901 |
| Noninterest expense to average assets | 4.0114% | 1,260 |
| Loan and lease loss provision to assets | 4.1436% | 274 |
| Net operating income to assets | -3.9569% | 7,743 |
| Return on assets (ROA) | -3.9569% | 7,746 |
| Pretax return on assets | -3.9553% | 7,680 |
| Return on Equity (ROE) | -28.8890% | 7,581 |
| Retained earnings to average equity (ytd only) | -28.8890% | 7,571 |
| Net charge-offs to loans | 3.6584% | 400 |
| Credit loss provision to net charge-offs | 123.1222% | 4,101 |
| Earnings coverage of net charge-offs (x) | 0.0560% | 5,989 |
| Efficiency ratio | 95.5153% | 1,302 |
| Assets per employee ($millions) | 4.0010% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 1,679 |
| Loan loss allowance to noncurrent loans | 100.8632% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8820% | 3,536 |
| Noncurrent loans to loans | 2.0370% | 3,586 |
| Net loans and leases to total assets | 90.4924% | 96 |
| Net loans and leases to deposits | 104.4997% | 738 |
| Net loans and leases to core deposits | 145.7950% | 696 |
| Total domestic deposits to total assets | 86.5959% | 2,378 |
| Equity capital to assets | 11.7483% | 2,397 |
| Core capital (leverage) ratio | 10.8672% | 2,509 |
| Tier 1 risk-based capital ratio | 11.8762% | 5,084 |
| Total risk-based capital ratio | 13.1343% | 5,012 |
| Memoranda: | ||
| Average total assets | $80,700,750 | 5,738 |
| Average earning assets | $77,344,750 | 5,583 |
| Average equity | $11,053,500 | 5,058 |
| Average total loans | $74,238,250 | 4,763 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 5,024 |
| Cost of funding earning assets | 1.1417% | 7,268 |
| Net interest margin | 4.2815% | 1,698 |
| Noninterest income to average assets | 0.1730% | 7,054 |
| Noninterest expense to average assets | 3.9368% | 1,419 |
| Loan and lease loss provision to assets | 1.0948% | 1,567 |
| Net operating income to assets | -0.7463% | 6,792 |
| Return on assets (ROA) | -0.7463% | 6,795 |
| Pretax return on assets | -0.7439% | 6,644 |
| Return on Equity (ROE) | -5.2050% | 6,635 |
| Retained earnings to average equity (ytd only) | -5.2050% | 6,335 |
| Net charge-offs to loans | 0.5300% | 2,739 |
| Credit loss provision to net charge-offs | 224.8731% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.7208% | 5,000 |
| Efficiency ratio | 91.8156% | 1,656 |
| Assets per employee ($millions) | 3.8454% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 2,215 |
| Loan loss allowance to noncurrent loans | 42.9900% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 3.7274% | 1,646 |
| Noncurrent loans to loans | 4.0430% | 1,665 |
| Net loans and leases to total assets | 90.5899% | 107 |
| Net loans and leases to deposits | 114.9766% | 362 |
| Net loans and leases to core deposits | 169.3599% | 324 |
| Total domestic deposits to total assets | 78.7899% | 5,865 |
| Equity capital to assets | 14.2036% | 1,248 |
| Core capital (leverage) ratio | 13.1799% | 1,377 |
| Tier 1 risk-based capital ratio | 14.4234% | 3,292 |
| Total risk-based capital ratio | 15.6784% | 3,225 |
| Memoranda: | ||
| Average total assets | $80,927,670 | 5,764 |
| Average earning assets | $77,776,000 | 5,605 |
| Average equity | $11,604,330 | 4,921 |
| Average total loans | $74,340,670 | 4,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 5,509 |
| Cost of funding earning assets | 1.1382% | 7,447 |
| Net interest margin | 4.2453% | 1,762 |
| Noninterest income to average assets | 0.1531% | 7,208 |
| Noninterest expense to average assets | 3.8018% | 1,467 |
| Loan and lease loss provision to assets | 0.3802% | 3,045 |
| Net operating income to assets | 0.0543% | 6,111 |
| Return on assets (ROA) | 0.0543% | 6,264 |
| Pretax return on assets | 0.0592% | 6,259 |
| Return on Equity (ROE) | 0.3770% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.3770% | 5,508 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6391% | 1,751 |
| Assets per employee ($millions) | 3.9422% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 2,694 |
| Loan loss allowance to noncurrent loans | 71.8850% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.9850% | 2,929 |
| Noncurrent loans to loans | 2.1664% | 3,029 |
| Net loans and leases to total assets | 90.1970% | 128 |
| Net loans and leases to deposits | 120.6140% | 277 |
| Net loans and leases to core deposits | 169.3836% | 357 |
| Total domestic deposits to total assets | 74.7815% | 6,748 |
| Equity capital to assets | 14.8637% | 1,141 |
| Core capital (leverage) ratio | 13.7897% | 1,238 |
| Tier 1 risk-based capital ratio | 15.2103% | 2,966 |
| Total risk-based capital ratio | 16.4633% | 2,920 |
| Memoranda: | ||
| Average total assets | $81,014,500 | 5,782 |
| Average earning assets | $78,015,500 | 5,625 |
| Average equity | $11,671,500 | 4,933 |
| Average total loans | $74,286,500 | 4,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1420% | 4,817 |
| Cost of funding earning assets | 1.5391% | 7,551 |
| Net interest margin | 4.6029% | 1,167 |
| Noninterest income to average assets | 0.1238% | 7,499 |
| Noninterest expense to average assets | 4.2453% | 1,100 |
| Loan and lease loss provision to assets | 0.6055% | 2,404 |
| Net operating income to assets | -0.3330% | 6,759 |
| Return on assets (ROA) | -0.3330% | 6,634 |
| Pretax return on assets | -0.3316% | 6,489 |
| Return on Equity (ROE) | -2.0882% | 6,517 |
| Retained earnings to average equity (ytd only) | -2.0882% | 5,900 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9403% | 1,281 |
| Assets per employee ($millions) | 4.8933% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 90.5032% | 162 |
| Net loans and leases to deposits | 136.1287% | 138 |
| Net loans and leases to core deposits | 195.2235% | 186 |
| Total domestic deposits to total assets | 66.4835% | 7,621 |
| Equity capital to assets | 13.9735% | 1,430 |
| Core capital (leverage) ratio | 14.5060% | 1,141 |
| Tier 1 risk-based capital ratio | 13.9282% | 3,579 |
| Total risk-based capital ratio | 15.1886% | 3,493 |
| Memoranda: | ||
| Average total assets | $72,668,800 | 5,943 |
| Average earning assets | $69,390,600 | 5,842 |
| Average equity | $11,589,200 | 4,943 |
| Average total loans | $63,407,000 | 5,123 |